BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-16
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was on forbearance plan from XXXX till XX/XX/XXXX. By some way even though I spoke with company rep for ending the plan it was. Prolonged till end of XX/XX/XXXX ( company mistake ) Any way I was keep paying my mortgage from XX/XX/XXXX even though it was on forbearance plan. For refinancing ( different company ) I need a letter stating that my forbearance plan ended on XX/XX/XXXX. From that time I am trying to get that letter calling the company 2-3times a week. They were telling me that need a time for the process to be ended then they will send a letter. My refinancing company keep asking me for that letter. To be short on XX/XX/XXXX ( from that time I start writing down all names ) after speaking with different customer rep i asked for supervisor > her name was XXXX ID # XXXX, who told me that there is a problem with a account and that i have un unpaid balance of XXXX XXXX XXXX for XXXX and XXXX though it was paid and she also said that to proceed with letter the account need to be curren and it will take few days and that on Tuesday XX/XX/XXXX she will call me back. So nobody call me back and on Wednesday I called back and connected with other escalated them member by name XXXX ID # XXXX who also told me that will review and will contact that department and will call me .Because nobody called me back i call Thursday and spoke with other escalation team rep XXXX member ID # XXXX. He promised me to see whats going on and call me back in an hour. After few hours I call back spoke with XXXX ID # XXXX who remembered me and said that sensed a request for that letter. Today is Friday I spoke with XXXX ID # XXXX who told me that letter can be obtained only on XXXX of XXXX - SIMPLE LETTER STATING THAT FORBEARANCE PLAN ENDED. Analyzing all this i think the company doesnt want to let me go with other refinancing company. Extremely bad experience in communicating with this mortgage company. People need to keep way from this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX my student loan repayment was waived because of disability. I was placed in a annual review for a number of years. The monitoring period ended and all of my student loans were permanently and totally discharged on XX/XX/XXXX. 

Credit reporting agencies, do not reflect that all of these loans were previously discharged. Some credit reports show that I'm in the monitoring period until XXXX. 

The loan amounts are so much higher than when they were taken, because of interest charged during disability monitoring.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was told not to do anything but I took the proactive approach and filed a claim with the FTC and attorney general. I also planned on filing a report with the attorney general and XXXX for XXXX XXXX/zelle but was waiting to receive a call or email back. After calling today, I saw that there are notes on file but nothing explaining what actually happened. If you go back and listen to the recording you will be able to see that I was essentially strong-armed my a very XXXX  man in a bad neighborhood with XXXX XXXX who begged to use my cell phone for a call. I was hesitant but due to the fact I was with my wife and in a bad neighborhood, I complied with his request. He was then able to send {$1700.00} through zelle in my XXXX XXXX app before getting my phone back.I was able call in and report it while the transaction was still pending and provide the phone number it was being sent to but they were unable to stop it from happening. I will come into my closest branch as soon as its open but wanted to provide a copy of the first fraud claim to help re open the casa or expedite the process. Once I speak with someone I will then take the necessary steps through the attorney general, XXXX. I would like to submit an authorized pushed payment fraud as listen in your XXXX and will commit any time and resources I have to get this taken care of.Please submit a SUBJECT ACTION REQUEST to dig deeper into the issue to get my money back for my bills and make sure this does not happen to someone else in a poor financial situation. In the mean time I will also reach out to Financial Ombudsman Service. To see if they can add additional assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent numerous letters to Transunion/XXXX reporting this bankruptcy showing on my credit that is not mine from XX/XX/2020. I have also provided a police report showing I reported said bankruptcy. They continue to report the bankruptcy. I ask for how it was verified, and they just respond saying it was verified. 

Multiple phone calls and letters with no resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Michael Wayne Investment
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a car two years from Auto Connection in XXXX, Va two months after purchase the engine seized up in the car.. this was XX/XX/XXXX.. I was told I had a warranty on the car come to find out this was not the case XXXX later I get my car back. All through XX/XX/XXXX I had numerous problems with the car, In XX/XX/XXXX I contacted them again about the engine ... because they put a used engine in the car, I told them the engine was getting ready to go again, I was told to drive it over 70 miles from my house to the dealership I told them it would seize up.. in doin so the engine locked up. For 5 mths I have paid on a car that has not ran, once again I contacted them, once at my expense I got it to the dealership I was told it needed various things, then I was told to go to the dealership and look for another car they would take mine on trade, when I arrive at the dealership my car has MORE damage then when it left, keep in MIND MY Finance COMPANY MICHAEL WAYNE advised me to go.. : short and long I offered a settlement amount on car and was denied because there is XXXX damages done to my car I owe XXXX loan is current and my option is to pay on a NON running car or I have to get another LOAN from them to make the current one go away ... I feel as if I 'm being held hostage OH, I failed to mention they offered for me to FINANCE the damages done to my car when originally I was told if the car was paid to a certain amount the loan could be wiped clean ... Let, me add XXXX is the one who told me to DRIVE the car after I said it was NOT drivable and he said it was goin to need an engine, he is also the ONE who said if the loan got down to XXXX the rest could be wiped cleaned, I hold XXXX responsible for this mess he has played XXXX thru this whole mess, several people have tried to clean up his mess and I 'm grateful for them ... but Michael Wayne is NOT looking at their liability in this mess in my opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the second time I am reporting this. I have been a victim of identity theft. Someone has stolen and fraudulently opened accounts under my name without my permission. The following accounts are a result of identity theft, and opened with a fraudulent application. 
XXXX XXXX XXXX Opened XX/XX/XXXX US DEPT OF EDXXXX Opened XX/XX/XXXX {$340000.00} USDOEXXXX Opened XX/XX/XXXX {$210000.00}. 
These accounts where not opened by me nor have I authorized anybody to one these accounts for me. I had a suspended license during the time this account with XXXX. I also could've never opened a student loan because I dropped out of high school. Please Block these accounts ASAP. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03
Company: Blockchain.com, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I met a person on XXXX XXXX years ago. Then in XX/XX/2021 I started sending him some money for investment/ loan thru bitcoin. I sent over XXXX to him over a period of 6 months. He sent me a check for XXXX that was part of my investment back but the check bounced. I am speaking to this man via video chat and he lives in XXXX. I have his drivers license info and where he lives. He told me he used the money to buy a house for his mom. He is refusing to give me the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Diversified Consultants, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is my 3rd dispute against Diversified Consultant Inc ( DCI ) account number XXXX in the amount of {$460.00}. I contacted you the CFPB to get them to take this fraudalent account off my XXXX and XXXX credit reports! Well they will take it off one and put it back on another! They have not sent me any information regarding this account and my right to dispute or provided any verification of the debt belongs to me! As I stated in my previous complaints, I 've never authorized anyone to use my identity and I have lived at my current address 2 years! It says on my report that the debt was open XXXX XXXX, 2017. If it was open or closed that day, it 's not my debt to pay! 
They are playing this game that they will take it off my report and then report it again after I 've disputed it with you and the credit bureaus! They 've just recently placed it on my XXXX report after my dispute! I am willing to take farther legal actions against them and the credit bureaus because this debt is not my debt! I do n't think this is a game and it burns me up to know they are taking this as a joke!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Submitted complaint to Lexis Nexis XX/XX/XXXX because it is reporting Public Record information that it purchased from XXXX, a system of record used by the bankruptcy court. On XX/XX/XXXX, it provided a letter stating the information was " verified '' because it the information still shows in XXXX. Lexis Nexis has failed to contact the originator of the information to verify the information. XXXX  is not the originator of the information, the Court of Record is. Lexis Nexis continues to violate my rights protected under The Privacy Act of XXXX and the Fair Credit Reporting Act.by reporting inaccurate and derogatory information about consumers, failing to maintain policies to ensure the accuracy of the information they report and failing to properly investigate disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
On XX/XX/2019, I logged into Experian to check my credit report. The page that came up as soon as I logged on was a screen prompting me to enter billing information. It was for Experian 's Identity Theft Protection plan. However, it's not obvious that is what it is for, and the page almost makes it seem I had to put in my credit card information. 

When I press the decline button, I go to my overview screen. I know in the past I have frozen my credit, however, on this screen it shows " Your Experian credit file is unlocked '' with a button to " Lock Your File. '' When I click that button, it says my Experian Credit file is unlocked. What is not obvious is Experian is referring me to their personal paid service to protect my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: D&A Services, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit card balance was paid in full on XX/XX/2017 in amount of {$57000.00}. Company name was XXXX XXXX XXXX XXXX, which is shown on my credit reports. The company name now is D & A Services. I have contacted them to remove negative information but could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I decided to sign up for automatic debit payments for my monthly student loan payments through the XXXX website. I applied and then the next time I logged in to my account, I noticed that the amount due said {$0.00}. I called and was told that I was put on an automatic forbearance when I applied for their automatic debit payment system. I do not recall that being disclosed anywhere when I signed up. I asked if this forbearance was going towards my total amount of forbearance available on my loans and whether the interest was being capitalized and the representative stated no. Therefore, my XXXX payment is now in forbearance and being skipped, for purposes of a payment as well as for my 120 payments for the Public Sector Loan Forgiveness, delaying my eligibility. Also, no where on the website where I log in to view my account does it state that my account is in forbearance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo is using system manipulation to intentionally cause overdrafts. In XXXX XXXX I paid my XXXX bill. The payment was deducted the same day ( SHOWED DEDUCTED ALL DAY ). 
W.F. claims nothing was drafted ever until the payment magically appeared 3 - 4 days later. I sent 3 requests for explanation with random response. Finally believing it was a 1 time issue. I let it go. 
Well, yesterday XXXX XXXX XXXX, I paid my bill again and it showed it was deducted and I continued to pay my other bills. This morning to my suprise I had additional money in my account and double checked and sure enough Wells Fargo is claiming I did not make paymemt and NO PAYMENT was EVER drafted. The rep claims he was not calling me a lyer. 
BUT TWICE, I paid my bill, but really did not, and W.F. does not have any record of this mystical draft. 
I nearly over drafted my account. 

The rep told me I should track my money better and it 's not their problem. 

How is it that I am supposed to trust a financial institution to handle my money when they can not even explain to me why a vendor was allowed to draft an invisible payment and not show any trace.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute Equifax for months about my 6 Consolidated Student loans through US Dept of Ed that were reported through the pandemic as in Collections and Account Status 120+ past due ( XXXX ) instead of Paid in Full by Consolidation and in Federal Forbearance like the Cares Act instructed. My family and I have been negatively impacted by this and my credit scores, I haven't been able to get the house I need as a essential worker because of this. I called the Us Dept Of Ed on this and they agreed with me that these things should be cleaned up because these accounts are Paid In Full by Consolidation but Equifax is telling me they are confirming these disputed things. It's confusing and a dead end loophole.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received a letter from Experian stating that their investigation of my dispute for XXXX # XXXX And XXXX  # XXXX was completed and verified and updated. I received my credit report and the date last reported hasn't changed from XX/XX/XXXX and XX/XX/XXXX respectively. I question that an investigation has actually taken place! The date last reported should reflect this year, the year of my dispute that they reference in their letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
In accordance with Fair Credit Reporting Act, 15 USC 1681 section 602 A states that I have a right to privacy, 15 USC 1681 section 602 A section 2 It also states a consumer can not furnish a account written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the second time I am reporting this. I have been a victim of identity theft. Someone has stolen and fraudulently opened accounts under my name without my permission. The following accounts are a result of identity theft, and opened with a fraudulent application. 
XXXX XXXX XXXX Opened XX/XX/XXXX XXXX DEPT OF EDXXXX Opened XX/XX/XXXX {$340000.00} USDOE/XXXX Opened XX/XX/XXXX {$210000.00}. 
These accounts where not opened by me nor have I authorized anybody to one these accounts for me. I had a suspended license during the time this account with XXXX. I also could've never opened a student loan because I dropped out of high school. Please Block these accounts ASAP. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-24
Company: PNC Bank N.A.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XXXX XXXX {$25.00} was debited from XXXX rather than XXXX as it was supposed to. Rather than using the overdraft protection that I requested to come out of XXXX, the account accrued ridiculous d.a.i.l.y. fees for a simple {$25.00} balance. 

On XXXX XXXX, the full negative amount was XXXX from account XXXX, after {$150.00} in fees had racked up - rather than simply doing this from the start when the {$25.00} was initially taken. 

When I called, I was told nothing could be done as I already had a courtesy refund of fees earlier in 2017, which is untrue, those fees were requested due a billing dispute. The snotty representative told me to close the account, then. 

I work for a bank and I can tell you - this exact behavior is why customers hate us. These disgusting business practices are why banks have no trust among American consumers. I would never treat a customer like this and find it reprehensible that PNC ca n't make money in an honest way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: BB&T CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Info about my account balance, direct deposit, etc are not being sent out quickly enough

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation