BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-24
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
I was affected by hurricane ida, my family & I lost everything, including my job that was also closed due to damages from this natural disaster. Only relief I was offered was to take one payment off the front my loan and send it to the back of the payments, however due to being evacuated in a different state I wasnt able to make it to sign the paper so instead they made my account negative which tremendously affected my credit. After speaking with advisers and also doing my own research Ive heard about and insurance that should cover my loan Theyre saying i didnt have enough collateral for your secured loan. Its THEIR job to get enough collateral. I shouldnt be responsible for ANYTHING after Ida. My loan shouldve be paid off, I fell as if They increase whats called their outstanding by increasing loan limits after I pay well on your first loan. As they increase my loan, they got lazy. They wanted to hurry up and close the loan and get you out the door before i can question my payback. In doing so, they didnt update my collateral to secure their own interest. So instead the office taking the hit for being lazy, they make the customer pay for their laziness. I feel as if and injustice has been done on my behalf and most likely countless others. This hurricane destroyed my property as seen in pictures below

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 2023-09-18
Company: EdFinancial Services
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XXXX XXXX XXXX I submitted a one page form to Edfinancial, together with a cover letter explaining what I needed. The letter and form asked Edfinancial to verify the amount of my outstanding loan ( {$1100.00} ). The Edfinancial website does not have an obvious place to upload these forms, so I called and spoke to a representative who advised me to upload the form using the " cancelled check '' option. After a month, I didn't hear anything, so I called Edfinancial and was told that they " faxed '' it. Yes, its XXXX and they would have me believe that they faxed it instead of emailing it. Sure. So I checked with my employer XXXX XXXX XXXX who confirmed they did not receive it by fax or otherwise. I called Edfinancial again and asked that they email it to my employer and to me, so I would know when it was done. Another month passed, and I tried to contact Edfinancial to get the status and can not get through. I tried emailing, live chatting and calling. You literally can not get through. 

I think they are engaging in at least one obviously fraudulent and abusive practice. They have an option during long call wait times to have them call you back. Here 's what they are doing : After many hours, they call you and as soon as the call connects, THEY HANG UP. This happened to me twice. I think they are doing that to give auditors the impression that they are clearing calls.

Anyway, they are not responding to emails. The call wait times are 10 hours long. Their " live agent chat '' is " unavailable. '' I've complained to everyone I can think of. 

I'm XXXX XXXX XXXX and I don't owe a lot of money and my own inability to get through to Edfinancial is not going to wreck my credit or anything. But I can only imagine what this is like for a XXXX XXXX XXXX who owes real money and for whom getting through is very important. These servicers are all terrible and abusive, but EdFinancial is the worst I've dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removal of the inaccurate information about my account has been diligently neglected by TransUnion. Despite sending them the last request, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the incorrect information about my account is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that are still reporting on my report : XXXX XXXX XXXX Balance {$130.00}

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 2022-11-26
Company: Experian Information Solutions Inc.
State: CT
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 started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow XXXX disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2022-09-19
Company: Experian Information Solutions Inc.
State: NJ
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:
I did not authorize this credit inquiry

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 2022-11-24
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$7200.00} ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-24
Company: Experian Information Solutions Inc.
State: NY
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 2022-11-26
Company: Upgrade, Inc.
State: LA
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:
Following up the previous complaint XXXX. I had a refund missing for weeks and since the complaint I was finally able to see the transaction backdated to XX/XX/XXXX that says " Post Payment {$100.00} '', however my balance prior to the refund was already {$0.00}, if the refund was processed correctly I should've had negative {$100.00} on the card. I reached out to support multiple times and was told the refund to be sent to the upgrade checking account by XX/XX/26, at the time of filing complaint the refund is not in my card balance or bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I'm adding my name to the list of thousands of unhappy Venmo customers who've had accounts frozen for no good reason. 
I opened an account so my friends could reimburse me for a hotel stay in Wisconsin, and made several requests. Venmo almost immediately froze the account, with {$240.00} ( the first reimbursement ) in it. 
Venmo says that I did something wrong ( although they won't say what ) and has demanded that I submit a copy of a photo ID, after which they will initiate a " review '' process that could take up to three weeks. I maintain that since all I did was attempt to use their product, their request for additional documentation is unnecessary and intrusive, and that they should fix the security software that " flagged '' my perfectly normal use of the product. 
To date, I have not submitted a copy of my ID, and Venmo refuses to send me my {$240.00}, nor will they return the {$240.00} to the friend who sent it to me. In short, Venmo is using {$240.00} of money that belongs to me, and if, as I understand is the case, thousands of others are in this same situation, that's a nice chunk of change for Venmo to hold on to while they stall around with repeated requests for ID and lengthy reviews. 

It seems axiomatic that inconveniencing customers should not provide an opportunity for arbitrage. ( The last time I checked my account, I noted that even though the account is " frozen, '' I can still make requests for cash. Which, of course, Venmo could continue to hold while they string this thing along. ) Venmo should not be permitted to use monies from frozen accounts to do business or in any way pad their balance sheet or bottom line : rather obviously, there should be no reverse financial incentive for inconveniencing customers or holding their money. 

I hope that CFPB can help me resolve my dispute with Venmo, and I also hope you will take action on making sure that Venmo is not deriving any benefit from monies in these " frozen '' accounts. 

Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fiar Credit Reporting act, XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 


15 U.S.C 1681 section 602 A.States I have the rights to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-06-06
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
On XX/XX/XXXX, I applied for a {$15000.00} XXXX XXXX XXXX XXXX, a student loan to be used to finance the New York State Bar Exam preparatory course and exam fees. The application and note both read as a master  student loan. The interest rate on this loan has increased each year and is now currently at 10.5 %. To date, I have already paid {$16000.00} on this {$15000.00} loan, and still have a principal balance due of {$13000.00}. 

In XX/XX/XXXX and again in XX/XX/XXXX, I reached out to student loan refinance companies to attempt to refinance this loan to lower the interest rate and monthly payments. Both attempts have been declined because this loan, which is currently serviced by Firstmark Services, is being inaccurately reported on my credit report as a personal loan and not a student loan. When I reached out to Firstmark about getting this corrected, as it is not only impacting my ability to refinance, but also my credit score per XXXX, they responded by saying the loan is " not reported as a student loan and is also listed like this in the promissory note and disclosure documents. '' After review of the promissory note, which clearly states it is a " Master  Student Loan Promissory Note '', I reached back out to Firstmark, who has yet to correct the issue on my credit, leading to another denial of my refinance application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ive been a PNC Bank customer for over XXXX years. On Friday, XX/XX/2022 My mother and I walked into the PNC Bank branch located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. My mother is older, walks with a cane and has some health issues, so I approached the bank teller window to assist my mother. My mother proceeds to make a {$3500.00} withdrawal from her checking account and we stood at the window for over 30 minutes trying to figure out why my mother can not make a withdrawal from her available government issued social security funds. My mother produced her identification upon request ( Photo I.D and debit card ) but still was denied to have her funds released. It then came to my attention that my mother and I was being XXXX XXXX as I attempted to withdraw the {$3500.00} out of my personal account. I also produced proper identification and typed my social security number on the key pad, only for the teller to tell me I can release the money to you, do you have another credit card, I then give her a credit card that matches the name on all of my identification that this female bank teller, who doesnt look like me is holding in her hand, then she ask me for a work I.D . which I did not have, so I removed my XXXX XXXX so that she can see I am the same person on the drivers license in your hand, along with two additional credit card, a medical card with my name and employers name and and another master card. It was so embarrassing being XXXX XXXX  and not being able to have access to my own money that I work so hard for. I have XXXX accounts at PNC bank and I have substantial amounts in two of those accounts and after standing in the bank for and hour and still be denied access to my money because of my XXXX XXXX is horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 I did not give anybody written instructions

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 2023-10-18
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently notified all three bureaus that I am a victim of identity theft. I mailed and submitted online all required information. In return the credit bureau accused, and told me that I made my complaint in ERROR. this complaint is not an error

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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, 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. Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.

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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im writing to you because I have been having issues with all 3 credit card reporting agencies. XXXX XXXX  credit card erroneously put 2 late payments on my report. One for XXXX, 2021, and another for XXXX, 2021. I called XXXX toll-free number to let them know of this issue and they told me that they do not show any late payments for XXXX, and XXXX of 2021. My XXXX card was used fraudulently last year, so my credit card was replaced with a new number. My only guess is that maybe since my credit card number changed, only the old credit card number would show the late payments, but the XXXX representatives said that should not be an issue. 

I have been trying to get this straightened out with Trans Union, XXXX, and XXXX since 2021 but they wont fix the issue. I have been filing dispute after dispute with all 3 agencies, with the help of a XXXX XXXX XXXX representative that works for XXXX to no avail. XXXX is part of XXXX. I am trying to get credit for a balance transfer to pay off my large debt but the slow-acting, and unhelpful nature of all three credit reporting agencies is preventing me from doing so. The two erroneous late payments shown on my credit reports for XXXX, and XXXX of 2021 should not be there. Those XXXX late payments are marring my otherwise perfect credit. 
If you need to contact the XXXX credit monitoring representative, his name is XXXX XXXX, and his number is XXXX, extension XXXX. The case number is : XXXX Can you please contact them and get them to fix the issue that has been going on since last year? At this point I dont know where to turn for help. I hope you are able to get this matter resolved. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX Credit Limit : {$5300.00} XXXX High Balance : {$7600.00} XXXX Balance is presently : {$0.00}

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