BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-03
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
As of XX/XX/2017, I am paying 44 % of my post-tax income to servicing my student loan debt. This figure balloons to 90 % after calculating my living expenses. My private student loan payments are {$1000.00} per month. I am an XXXX, making a decent salary, but this burden is unsustainable. I am often unable to afford basic living expenses, such as a haircut or money for laundry, because of these monthly payments. My loan holders, XXXX and XXXX XXXX, have not offered any options that are feasible ( even offering a $ XXXX monthly  reduction for six months and then increasing the payment for the following 6 months by {$70.00} ). My only option is to refinance, but I find myself in a catch-22 : I need to lower my student loan payments to reduce my credit card debt ( which I incurred as a result of having to use the cards to pay for groceries, public transit charges, and other basic necessities due to the high student loan payments ) in order to pay off the debt so that I can increase my credit score to qualify for a refi, so that I can-you guessed it-reduce my student loan payments. My cosigner is my now-XXXX year old grandmother who lives on a fixed income. I am at the end of my rope, and have nothing but a bleak outlook for the foreseeable future unless I can find some sustainable relief on these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: World Acceptance Corporation
State: GA
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:
On XX/XX/2022 I received an Response From World Finance Company of Georgia, XXXX ( World ). Their Response was Improperly Documented They Stated the Account/Transaction isnt eligible for this recognition as his debt was charged-off not canceled. Do they not know What charged off mean they put it on a tax Form and Received compensation for that account they Are in Direct violation of 15 USC 6802b and all its subsections I wasnt given a chance to opt out of my Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; they are violating. And as far as the statement they are alleging Ive never lived at that address nor had that phone number. ALSO WHAT DOES INDUSTRY STANDARD MEAN? 
They definitely arent in Metro 2 Compliance. Have them provide proper Documentation and show the original Creditor with Original Signature I Dont owe any Alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: GOLDMAN SACHS BANK USA
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: Account status incorrect

Complaint:
On XX/XX/19 I got rejected for a loan with Marcus  by Goldman Sachs Bank USA. One of the stated reasons is that there is a series delinquency on my report, however I have checked my credit report and there is no delinquent information. I'd like all parties involved to manually review my credit report and figure out the source of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account with a balance of +11k usd in for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received an Annual Escrow Account Disclosure Statement dated XX/XX/2019 that listed our new mortgage payment as {$XXXX}. Originally, since our mortgage began in XX/XX/2019, our mortgage was {$XXXX}. After researching, it was found that the mortgage company had incorrect amounts for our tax amounts/escrow. The mortgage company listed our property taxes at roughly {$XXXX} when the correct amounts are just around {$1100.00}. I called them immediately and asked what I should do. They requested that I email them scans of the information I have. ( Note - They said I would receive confirmation that they received the correct information via email but in the first three times, and then the following two times, that I emailed information they requested, not  once have I received a confirmation. Throughout all of my emails, I have never received a confirmation even though they have the correct email for me on file and I double and triple checked the email they wanted me to send the scans to to make sure all was correct. ) So, I emailed them scans of our tax bills THREE times over the course of a few days, with no response. They confirmed that they received the information, only after I took the time to call them again, and that an adjusted bill would be sent in the mail. I then received an updated bill that listed our payment due for XX/XX/2019 as {$XXXX}. After more researching, I found that the mortgage company STILL has the incorrect amounts. I have now emailed a scan off an official Tax Certificate TWICE with no responses again. Per a phone call on XX/XX/2019, I was told that it would be resolved within a week or so. I called the next week on XX/XX/2019 to check on the progress and it was discovered that whoever I talked to on XX/XX/XXXX actually did not forward my information to the tax department and no progress was made. It was confirmed during the XX/XX/XXXX phone call that my information was indeed being sent to the tax department this time and the matter should be resolved within a week or so. I have since called XX/XX/2019 ( Three times on the same day since their phone system kept dropping my call while I was on hold for roughly 30 minutes EACH time ) and XX/XX/2019, and the only information the company will give me is that it has been forwarded to the tax department and that they are looking into it. I check daily to see if the amounts have been corrected and they are still incorrect, which reflects an incorrect mortgage payment amount.

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 2017-06-03
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
At  XXXX  in the morning, Saturday,  XXXX   XXXX , I received a call that went straight to voicemail. I checked my voicemail and I get an automated message telling me that it 's regarding my Synchrony credit card account ( for  XXXX .  XXXX   ). I  did miss a payment but one payment does not mean that they should send me emails, which they did on Friday,  XXXX   XXXX , then call m e ( twice thus far ) to let me know that I need to make a payment. Synchrony bank is notorious for bombarding their customers with phone calls the moment they do n't receive a payment the day that it is due. If they will employee such tactics, then I have the right to report them just the same. Most credit companies give you a grace period if missed one payment after not missing any. I have not missed a payment with this company so they should n't jump the gun by pestering me with phone calls just because I forgot to set up a payment with them. It 's not necessary. It will get paid. They do n't need to bother me about it. On top of that, they raised the minimum due. This is how people get into debt. Again this company is notorious for making their customers pay the price for missing only one payment. They need to be investigat e.

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 monetary relief
Consumer complaint received 2019-12-10
Company: WELLS FARGO & COMPANY
State: OH
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 purchased a home with my ( at the time ) husband using a VA loan through Wells Fargo Home Mortgage in XXXX of XXXX in the state of XXXX. We were approved for the VA loan due to his XXXX XXXX status with the XXXX XXXX. I am not, nor have I ever been a member of the XXXX XXXX XXXX. We were divorced in XXXX of XXXX, and per our divorce decree, he was to be responsible for the house that we purchased and was to take over the mortgage payments. At the time of our divorce in XXXX, I left the state and moved to XXXX ( I no longer occupied the house we purchased together since it was his per the divorce decree ). The house was foreclosed on in XXXX of XXXX ( unbeknownst to me ) as he apparently did not make the mortgage payments as was dictated in the divorce decree. As of XX/XX/XXXX, Wells Fargo Home Mortgage is still reporting negatively on my credit report due to that mortgage being foreclosed on. I have sent them copies of the divorce decree multiple times, and even filed a dispute with them, however, they refused to remove the information from my credit report.

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 2021-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have submitted disputes before with TRANSUNION directly to them. However to no avail. After learning the laws that protect me as a consumer I am now executing my rights. TRANSUNION violated 15 USC 1681a ( 2 ) ( b ) as the items listed on my letter should be excluded from my consumer report. Additionally, I have included my written instructions for my consumer report. Lastly I didnt consent to having a FICO score.

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 2022-02-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Portfolio Recovery Associates is reporting XXXX accounts to XXXX, XXXX, and XXXX that does not belong to me! Earlier last year I contacted the XXXX bureaus, informing the about XXXX debts on my reports in the amounts of {$540.00} and {$670.00}. No action has taken place. 

Pursuant to 15 USC 1692g they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: KEYCORP
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
We made two ACH transfers to a payee with KeyCorp/KeyBank accounts -- {$1900.00} authorized on XX/XX/2021 and {$1000.00} authorized on XX/XX/2021. Unfortunately, we subsequently learned the payee had provided an incorrect account number and never received the transfers. We, our bank, the ACH provider, and the payee were all assured that the funds would be returned to our account in three business days since the account number and name did not match. However, this was never done and KeyBank subsequently refused to return our funds to us. This, in our view, is fraudulent retention of our funds. 

I submitted a Certified Letter ( copy attached ) to XXXX XXXX, XXXX, Chairman, and President of KeyCorp/KeyBank outlining the problem and demanding that our funds be returned to us. Three weeks later I have yet to receive even the courtesy of a response to my letter. 

It has now been eight weeks and we have yet to receive a refund of our funds. This is nothing short of unacceptable and intolerant and a fraudulent retention of our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
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: Information belongs to someone else

Complaint:
I have provided Transunion with a dispute letter via certified mail on XX/XX/XXXX involving inquires and inaccuracies on my credit report. The agency has not taken on my dispute, but instead chooses to send me a letter of additional services that they provide as a company on XX/XX/XXXX. The letter was sent to the address posted on the consumerfinance.gov website; TransUnion LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA 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 non-monetary relief
Consumer complaint received 2021-06-12
Company: WELLS FARGO & COMPANY
State: MD
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 noticed multiple hard inquiries on my credit reports that I didn't authorize nor did I benefit from the inquiries. The date was XX/XX/2019. I have reached out to each of these companies on multiple occasions letting them know that didn't have permissible purpose but they have not removed these unauthorized hard inquiries.

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 2022-04-08
Company: EQUIFAX, INC.
State: MD
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. I have credit monitoring in place and received notification that Bank of America requested my credit report on XX/XX/2022. I do not bank with Bank of America nor have I applied for any loan, credit card, or bank account with Bank of America. I have not applied for any credit with any creditor in over a year. This inquiry is fraudulent and any accounts that Bank of America has opened in my name were NOT opened by 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 2021-11-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/21 Wells Fargo allowed a fraudulent Checking and Savings account to be opened online, with my name and SS # and address... the Driver License # was wrong and the issue/expire dates were left blank ... no other info except an email and phone # that was not mine. 
XX/XX/21 I received paperwork welcoming me for opening accounts with Wells Fargo ( I have never had an acct with them ). Same day I go into bank to inform them of the fraud, the bank employee told me on XX/XX/21 two Pennsylvania Unemployment Checks were deposited and immediately withdrawn ( names on checks XXXX XXXX and XXXX XXXX ). Both accounts having a current XXXX balance. I had all my ID proof, DL, SS card, Passport, Birth Cert. ( they only looked at DL ) I asked that they close the accounts. They said they don't do that, it must go through fraud dept then put me on the phone with a guy in the fraud dept. He said he 'froze ' the accts, nothing will be able to go in or out. I asked that he close the accts, he said not until their research is done. 
XX/XX/21 I received a document stating the 'Complaint Resolution ' which states the accounts are STILL open. I ended up putting a credit freeze with all 3 bureaus.

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 2022-04-08
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/ExperianXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-15
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been contacted by capital one collections multiple times via my cell phone and work cell phone about a debt I have never received any verification or validation. I have asked Capital one collections to stop calling my phone and to communicate by postal mail only as they are violating the Telephone Privacy Act. I am going to file a lawsuit against the company if communication is not ceased immediately. The fine for every call after I cease and desist is $XXXX. I have filed a legal complaint with XXXX XXXX XXXX as well as the FCC and FTC.Today i received a notification that XXXX  XXXX  has reported a negative account from capital one for $XXXX. I have never received a debt verification or validation from the collections or how to dispute. Also, once XXXX  XXXX  purchased the account from capital one, they voided any payment agreement in place as Capital One has now been paid in full. I do not have a card account with XXXX  XXXX  and they should not be contacting me to collect any debt that i do not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Did a debt resolution with my credit union. Paid off my capital one credit card. Capital one cashed it in XX/XX/XXXX and said they cant find it we faxed cashed check recipient to them. They still havent put towards my account now charging me late fees and ruining my credit. Called at least 10 times and they say under investigation and wont help me. They cashed it I cant get any help and dont know what to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, of 2019, I sent a letter to Portfolio Recovery Associates on account listed below requesting balance. 

Case # XXXX PRA File No : XXXX Original Creditor : XXXX XXXX  XXXX Original Acct Ending # XXXX XX/XX/2019 I have a letter from Portfolio Recovery Associates replying to ledger request for all payments & balance for this account. The payments amount came to XXXX as of XXXX. I have continued to make payment payments of minimum XXXX as agreed upon per mediation and stipulated agreement. 

On XX/XX/2019 in my XXXX  PO Box a letter dated XX/XX/2019 from Portfolio Recovery Associates for a settlement offer for XXXX. The balance details an incorrect as you will see by attached letter dated XX/XX/2019 requesting payments and balance. In addition, you will see on the mailed envelop is sent to my previous XXXX  address where I no longer reside. I have continued to make payments per stipulated agreement.

Company response to consumer: Closed with explanation