BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
Company: Maximus Education, LLC dba Aidvantage
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Requested refund of loan payments made during pandemic under the cares act. First request was XXXX, rep said she processed it and would take up to 6 weeks. Called back on XXXX, rep said it was approved on XXXX and should see refund shortly. Called back on XXXX, rep said she will request refund and " expedite '' it. 

Company is refusing to actually process the refund. What is recourse here?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: TN
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 have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022 2022

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 2022-08-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-30
Company: TD BANK US HOLDING COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I fell hook line and sinker for a gift card scam. I received an email that was supposedly from XXXX. I didn't call the number in the email but went directly to my XXXX account and the notice was there and I called the number thinking it was for XXXX. I really missed all the red flags, they supposedly credited my bank account but it was for {$5000.00} instead of the {$500.00}. I was directed to get gift cards which I stupidly did. The money was gone from the gift cards and I've contacted my credit cards to see what I can do. The gift cards were, Target, XXXX, XXXX and XXXX XXXX. These were {$500.00} gift card. The XXXX XXXX card was bought at XXXX XXXX and the XXXX cards from XXXX 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My PayPal account was permanently limited in XX/XX/XXXX. I have not broken any of the user agreements or done anything wrong. I am a XXXX XXXX ; I only used my PayPal account to receive payments from my clients. I understand how important it is to review the accounts regularly to keep PayPal safe for both buyers and sellers. However, I always work in good faith and follow all the policies and user agreements as stated. I tried to contact PayPal support a few times, but they said that this decision is final and the only option I have is to wait 180 days and then withdraw my PayPal balance. After 180 days had passed, on XX/XX/XXXX, I received an email saying that my funds were eligible for withdrawal. But on XX/XX/XXXX, PayPal transferred all my money ( {$1100.00} ) to themselves. The transfer memo said XXXX damages caused by XXXX XXXX XXXX violation. I contacted PayPal support, but they couldnt even explain to me which policy I broke. I think this is completely unacceptable and is simply theft. I would like to get my money back ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TrueAccord Corp.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
True Accord reached out to me on XX/XX/22 for a XXXX from XXXX for {$400.00} I have records of ending my contract with them and returning the equipment with a {$0.00} balance. 

I wrote to True Accord informing them of this. They stated they would do a debt verification and never got back with me. I received a notification they reported this debt to the credit bureaus. 

Currently they are trying to collect a debt not owed and have not proved I owed this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had been a customer with Wells Fargo for several years starting after 2009. Throughout the years I was charged overdraft fees when I had the funds in the account. I finally decided to close all accounts associated with Wells Fargo due to this happening so many times. This caused me to lose money and to miss work to straighten this out. I went in each time to branch managers to take the fees off and they never did. 

When I decided to close the account, the bank continuously blew me off and said due to covid they could not help me close my account. I was told to make an appointment at my local branch finally ( XXXX, FL ) and they then refused my appointment and stated they had too many appointments scheduled. It was a terrible and exhausting experience to deal with 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 2020-01-19
Company: EQUIFAX, INC.
State: MN
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:
The following accounts and credit inquiries listed on my XXXX, Equifax and XXXX XXXX credit report are fraudulent and unauthorized accounts and credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX. They accounts and credit inquiries are all fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-03
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-08-24
Company: KEYCORP
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Got charged interest on a zero percent interest fee. The fee itself was included in the zero percent initial rate. Then after full payment of the charge initial credit request I was charged interest for the fee even though it was wrapped within the 0 %. None of this was communicated to me. Upon followup I notified the bank this was unacceptable they proceeded to hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I'm being Charged Fees that caused me to be late on my Rent and Car payments. The Bank failed to do their job. From the start of this account until now. I've tried several times to correct this issue with the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Account Management Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I became aware of the debt by reviewing my 3-credit score, I had insurance at that time, I was not informed of any extra charges at the time of my services ware rendered, I contacted all XXXX they removed the information as well as XXXX. XXXX is refusing to remove the defamatory information, the original date of the services according to me was over 7 years ago and by default should be removed from the report. I disputed this information with XXXX XXXX or 4 times due to the fact the medical office didn't inform me that they war going to bill me for the services were rendered. According to my understanding of the law, a patient must be informed of any out-of-pocket expense at that time of service. 
I requested a copy of my original invoice or bill from the original billing, I was never provided with that information.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: FULTON FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a phone call 2 weeks ago that a third party company would be reaching out to send modification documentation. I have been calling to follow up because I have not heard anything. No one answers the phone, it gives the option to leave a message, which I chose to do, however no one has ever called back. I really just want to get the modifications documents and pay my escrow shortage if possible. It seems impossible.

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 2020-10-05
Company: CITIBANK, N.A.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
the exact same, everyday i power off my device, and this # XXXX is the first number to call with out fail, even though i have this number blocked through other means it still calls, and from that point throughout the day it calls. this has become an issue that is now disturbing my peace, and i would like it to stop

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 2022-09-30
Company: DISCOVER BANK
State: NY
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:
n accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX, ACCOUNT # XXXX, 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 2022-08-03
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
on XX/XX/26, i cancelled auto pay with US bank to govern my own payment schedule. 

on XXXX, i realized that {$280.00} was " transferred '' out of my account- this was not authorized or approved. 

on XXXX, at XXXX XXXX  PT, i called card services. no info was shared with me on how this 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 2022-12-28
Company: Affirm Holdings, Inc
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I had a small account with Affirm to pay 4 installments for shoes from XXXX. The shoes were paid off as expected but afterwards money continued to be withdrawn from my checking account under the name XXXX XXXX XXXX. The prior account with them was withdrawn without listing my name on my statement. I did not realize that odd amounts were steady being withdrawn from my checking account until the latest withdrawal on XX/XX/XXXX. My bank reimbursed the past 2 months of charges, but I have not received a response from Affirm for the remaining money fraudulently taken from my account since XXXX, XXXX. I sent a letter to Affirm which they received on XX/XX/XXXX by XXXX XXXX. The account number for this was given to me by a customer service representative, but I was unable to file a complaint online because something did not match. For that reason i chose to send documents to Affirm XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX. Number given to me was XXXX. I do not have an active account with Affirm since purchase of shoes from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Previous complaint filed XXXX none of the three accounts that I have been sending several police reports and Ftc reports for two years were removed! This is a violation! I have sent police reports from two different jurisdictions XXXX XXXX  XXXX and XXXX XXXX as well as several more from XXXX XXXX. I have sent several FTC reports and affidavits for the following that you refuse to XXXX and remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have also sent letter of intent to sue and also letter from XXXX stating that they have verified that IT IS ID theft and you ignored it I will proceed with legal action for this violation and also seek emotional damages since you have ignored all my cries for help to resolve this matter. 

Previous complaint filed XXXX : I XXXX XXXX XXXX Experian authorization to proceed with this complaint. This is complaint # XXXX. I am a victim of identity theft and as a result there are some accounts appearing on my credit report that are identity theft, fraudulent and unauthorized. I have attempted to submit a Block Request to Experian as well as an Identity Theft report from FTC XXXX Federal Trade Commission ) with several police reports from two different jurisdictions since XX/XX/XXXX until now to no avail. My federal protected consumer rights are being violated by Experian refusing to follow the FCRA laws and failing to open proper investigation with no documentation attached I request again remove/block theft accounts ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. These accounts caused me to have anxiety become homeless, depressed, suicidal, and denied credit I am ready to move forward with litigation if accounts are not removed. I also asked for validation original contracts from Experian and creditors XX/XX/XXXX, XX/XX/XXXX and previous dates and did not receive it FCRA 15 U.S. Code 1692g and 1681 - Validation of debts states it must be removed if debt is not validated showing instruments it must be removed. Admission equals deletion these accounts was removed from XXXX and XXXX which means Experian has to comply. I reserve my right to sue you civilly in the court system, which will result in my seeking the maximum allowable penalty for each item

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 2022-10-25
Company: EQUIFAX, INC.
State: NC
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:
Here is the list of inquires thats on my credit profile with XXXX, XXXX and Equifax these items are fraudulent and have no relation to me and I have sent FTC reports and letters to the credit bureau and they tell me my excuses each time as to why they didnt remove the items stating I didnt have dates of the inquires. Then stated they couldnt verify my identity Ive submitted numerous of items disputing these fraudulent inquires to no avail! and wasted hundreds of dollars sending certified mail and still got no results! This is unfair and hindering me from purchasing a house please remove these items XXXX XXXX Inquiry date XXXX XXXX, 2022 XXXX  XXXX Inquiry date XXXX XXXX, 2022 XXXX Inquiry date XX/XX/2022 XXXX XXXX XXXX  Inquiry date XXXX XXXX, 2022 XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, 2022 XXXX XXXX XXXX Inquiry date XXXX XXXX, 2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX XXXX  XXXX Inquiry date XX/XX/2022 XXXX XXXX  XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
My identity was stolen and multiple loan and credit card applications were filled out, these companies then ran a credit check witch went agianst me as inquiries on my credit report and I would like them removed. The companies are XXXX  XXXX banking from XX/XX/2022 - XXXX XXXX from XX/XX/2022 - XXXX XXXX from XX/XX/2022. I contacted the companies and they confirmed the inquiries and informed me I had to file a report with the FTC as I am doing now.

Company response to consumer: Closed with non-monetary relief