BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-05
Company: Reliable Credit Association, Inc.
State: WA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
the year of XXXX? I was buying a car from XXXX XXXX XXXX. The cost was {$15.00}. The car was repro. Sold at auction for {$3000.00}. XXXX XXXX, XXXX and XXXX XXXX, is garnishing my paycheck. They have taken over {$20.00} from me. I am a father of XXXX children, this is a hardship on my family. If they have taken, over {$20.00}, they should give me a car worth the amount they taken from me. I do not have the car! They keep resubmitting the same paperwork threw the court, and they never show, how much they have taken from me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: WESTERN UNION COMPANY, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I sent {$100.00} to XXXX on XX/XX/2021. Because the person could not collect, Western Union told me to cancel the transaction for a refund. I cancelled but never got a refund. 
XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: JPMORGAN CHASE & CO.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I sold my house this year and XXXX Mortgage send me a check for my remaining escrow. I deposited this check into my chase account ; however Chase bank put a hold on the check. I called chase bank, and they said the check can not be verified. I called XXXX Mortgage, but they said the check is valid. The guy I talked to at XXXX said it is weird that they cant verify the check. 
Later, Chase bank closed my account and put hold on my check. 
I called back XXXX Mortgage to reissue me a new check, but they said chase bank has already cash the check, so they can not issue me a new Check. 
I called chase bank again, and I told them to call XXXX to verify the check, but the woman said they can not call XXXX Mortgage. 
As at now, XXXX is still holding on with my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am unable to pay the full amount required for my private loans. I asked for a decrease and they only offered a XXXX dollar reduction. I am only working part-time. They said there are no other options at this time. I said, " So you 'd rather I pay nothing? '' and she replied, " You ca n't call a bank and demand your loan payment be lowered. '' She then stated it will " hurt me '' if I do n't pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX on or about XXXX/XXXX/2015 on EQUIFAX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-20
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I sent equifax my dispute on XX/XX/XXXX,2017 ask to dispute several accounts that 's on my credit report. Equifax refuse to do a proper investigation calling the companies and asking them to verify over the phone or via the computer does n't constitutes an investigation. Equifax does n't have any paperwork nor contract that bear my signature stating that I have a contract obligation to these accounts. Which is a violation of the FCRA per section 611. Due to the findings of your investigation which was published and the fines that cfpb issued to equifax for these same illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: WELLS FARGO & COMPANY
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Made an online purchase on XXXX-22. XXXX XXXX via Wells Fargo website. I soon discovered that the purchase was fraudulent. Contacted WF for resolution. They opened a fraud claim that was denied for reimbursement on XXXX22. I contacted them again to argue my claim. Agent stated they dont refund these types of transactions!! I deactivated my XXXX account, as I will never use it again for any transactions. It has exposed its nasty underbelly to me!!!

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 2022-11-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following Inquiries I do not recognize : XXXX XXXX XXXX EXPERIAN XX/XX/2022 XXXX XXXX XXXX EXPERIAN XX/XX/2022 XXXX XXXX XXXX XXXX2 XXXXXXXX XXXX XXXX XXXX EXPERIAN XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Also, I have included my credit report showing the inquiries mentioned above. XXXX is charging me for two inquiries on the XXXX XXXX  date of XXXX it was duplicated please help me correct this.

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 2021-04-20
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2021, Paypal decided to " permanently limit your account as we found potential risk associated with it '' after I received funds from my husband 's account. The fund was for a business loan payment that we both owe. Not only did Paypal charged us fees for " goods and services '', but it is tieing up the fund for 180 days as an interest-free loan to Paypal. This is completely unacceptable to steal our money, charge us fees, and immediately prevent us from doing anything with the funds. I can't refund, withdraw, or send it out. This is stealing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 had a credit card with XXXX XXXX for several years. I placed an order on XX/XX/XXXX and they ran a HARD INQUIRY on my credit report without my knowledge. It was not until XX/XX/XXXX that I noticed the inquiry. The reason listed for running my credit is " PERSONAL SERVICES ( non-Medical ). I called on XX/XX/XXXX and was told that they automatically run my report every 6 months no matter what. I told them this was the first time my report was ran since I initially got the card ( I believe in XXXX ). I asked why did they list PERSONAL SERVICES as the reason for running my credit and got no answer. I asked for a supervisor and was told a supervisor would call me back. I never received the call back.

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 2017-02-09
Company: SUNTRUST BANKS, INC.
State: FL
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I made an international wire with my bank Suntrust to a beneficiary with a bank call XXXX and the funds have not arrived. The wire was sent on XX/XX/XXXX and as of XX/XX/XXXX the funds have not been credited. I have done various TRACES through the banking system but as of yet nothing has happened.

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 2022-11-07
Company: WESTERN UNION COMPANY, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I sent {$25.00} to XXXX on XX/XX/2020 XXXX XXXX XXXX. The recipient was unable to collect the money and Western Union refuses to refund me. No reason provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Freedom Mortgage Company
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX and XX/XX/XXXX. I have called Freedom a few different times to fix this problem and send proof of false delinquencies. The 30 day late we called and did a skip payment for the year and then XX/XX/XXXX their payment processing system was down and they told us that they fixed both of the problems but it is not reflecting our credit and causing issues with getting financing to buy a home. 
The only thing that they will give is the payment statements showing that the late payments were removed but not fixed via credit bureau. 

I am currently in XXXX  at our home trying to sell it while my husband is working in XXXX  where we are needing to buy. This is causing a huge issues. 
Please help. 
Thanks. 


Other info. 
Loan # XXXX Two different loan accounts with Freedom due to refinancing in XX/XX/XXXX.

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 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately

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 2017-04-29
Company: Credit Clearing House of America, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law.  Credit Clearing House  has been reporting unverifiable and inaccurate information on my credit which has damaged my credit and I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
hi, The This complaint is credit reporting agency " EXPERIAN '' they are reporting Bankruptcy on my credit report which is inaccurate it should been removed, The other credit reporting Agency 's XXXX and XXXX XXXX deleted the " BANKRUPTCY '' Why not Experian does the same thing, also want to remove my personal statement on Expierian report i want to remove it also experian drop my credit score for no reason from XXXX to XXXX which is not fair, i do n't know why is experian treating me like this, i think is my name because i am XXXX othe wise there is no reason the way they are treating me like this XXXX XXXX

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 2021-11-22
Company: American Credit Acceptance, LLC
State: GA
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:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I believe while trying to start a new mortgage, a loan officer at Navy Federal Credit Union discriminated against me and treated me unfairly. In early XX/XX/2021, the loan officer gave me incomplete information about my options and at one point encouraged me to not follow through with the mortgage. At one point she increased our pre-approved amount to much more than we could afford. Through social media I later learned the loan officer had posted pro-Trump and alt-right material. I believe I jokingly made an anti-Trump comment over the phone during the beginning stages ( unknowing of the loan officer 's political beliefs ), which was the reason for the discrimination. In the end I went with a different lender and brought the loan officer 's behavior to the attention of her supervisor on XX/XX/2021. I do not know if any disciplinary action was taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
While serving XXXX XXXX from XXXX to XXXX before I was XXXX. I was dealing with XXXX XXXX XXXX whom unbeknown to me they were putting me on forbearances. Which know that FedLoan Servicing has taken over my account XX/XX/XXXX I have discovered via my Public LOan Forgiviness that only 48 months have been applied. I am missing roughly XXXX months of payments applied. They have not really done anything to correct this issue. As of roughly XXXX XXXX this loan should be written off underneath that program. It needs to be readjusted accordingly to show I have made 101 payments out of my required 120.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Company: AXOS FINANCIAL, INC.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to XXXX, I experienced financial hardship, and my mortgage went into forbearance. Instead of offering a deferment, Axos Bank only offered a XXXX mortgage with a XXXX balloon payment. It didn't seem reasonable to expect financial stability in 12 months. 

I worked as a mortgage professional for many years, and I knew from the beginning that it was a bad idea. I repeatedly requested other options and was forced to proceed. I prayed that they would reconsider and offer me another reasonable option. Instead, they offered me a refinance that would increase my current mortgage payment by {$1500.00}, and I can barely afford my current payment. The 12 months were up last XXXX and the interest rate has more than tripled to 18 %. 

I feel that Axos Bank took advantage of the situation and what they are doing is predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: NORTHERN OHIO INVESTMENT COMPANY
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XXXX ( XX/XX/XXXX ), I obtained a home improvement loan through XXXX XXXX XXXX. At the time the loan was taken out, XXXX XXXX XXXX  filed a XXXX against my property for the loan amount ( recorded XX/XX/XXXX ). Sometime after that, XXXX XXXX XXXX changed its name to XXXX XXXX. There were multiple loan servicers assigned over the next few years. From what I was told by a representative from XXXX, they sold a portfolio of loans to Concord on XX/XX/XXXX. They advised me to contact Concord to resolve my issue as it was sold to them. 

I contacted them several times and no one could access the account and provide no information whatsoever. They indicated that they have no record associated with me. I asked to have the issue escalated in order to access what is likely an archived account. I sent an email to the department suggested to escalate the matter on XX/XX/XXXX and have not heard any information back from them. 

In addition, there was NO recorded assignment of this debt to Concord. They can not provide me with any account information and say they have no record of me at all. I have no data on this as it was over 15 years ago when this began. I need Concord to release the lien on my property as it is interfering with my ability to sell my property.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-22
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I had to get a private student loan my first year of college, I went to XXXX. They sold my loan to " American Education Success ( AES ) ''. I am trying to get a long term loan repayment modification to get my monthly payments down to a reasonable rate because I do n't make enough money to be paying their full monthly payment on top of my other loan service providers ( for context I have over $ 100k in debt, Thanks America. ) First they call me saying I did n't put in the correct count of loans I have ( I 'm paying for all my loans including the ones 'technically ' under my fathers name because they are Parent PLUS loans ), which is super petty ... but anyways I fixed it according to what I discussed over the phone and emailed them that SAME day. Now, a month later I get an email saying they never received anything and they 're denying my request. So I frantically call them ... AGAIN. She says a note was put on my account that on XX/XX/XXXX ( I emailed them with the corrections on XX/XX/XXXX ) that nothing was received. So I correct the employee on the phone and told them to look again. She comes back after putting me on hold saying they did in fact receive my email ( so now they 're liars ), but no one would tell her why now I 'm getting told I never submitted anything ; and that my account would have to be put under review. This review will supposedly take another 7-10 days. Guess what 's due conveniently that soon? Oh yea, my next loan payment. At this point they are purposely stalling to get more full monthly payments out of me. I DO NOT have the money to sustain this B.S.. AES is a scam and need to be reported for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
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:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I am writing to dispute an address on my record. I have never lived at this address:XXXX XXXX XXXX XXXX XXXX, MA XXXX. 
I have written to the XXXX credit reporting companies in the past to remove this address, as I have never lived there, but it still remains on my record. I am writing to request its removal once again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian sent me a letter refusing to conduct an investigation of errors on my credit report because they said the letter was suspicious. I am attaching a copy of the letter I sent them to this e-mail, and there is n't anything suspicious about it. I even included copies of my 2014 XXXX and drivers license to verify my identity. They gave me an e-mail address to go to so that I could verify my investigation request XXXX. After entering in my information, they told me I had to mail in my request. Well, obviously, I 've already done that. They also gave me a phone number to call : XXXX. I called it, but I ca n't get out of the automated system and speak with a real person unless I buy something from them. The investigations are supposed to be for free.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation