BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I been receiving phone calls of harassment, profane and abusive language, death threats, threats of wage garnishment, threats of arrest and being sent to jail and prison for over 3 years from XXXX XXXX XXXX for a fraudulent auto loan account and debt thats not my account or debt. The account and debt is fraudulent and is the result of identity theft. XXXX XXXX XXXX is in infringement and complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Minnesota State law.

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 2017-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 included inquiries were found on my credit report. I called Transunion and they have refused to help me. 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, WI XXXX. Made on XX/XX/XXXX 2 ) XXXX XXXX.XXXX XXXX XXXX XXXX, XXXX , WI XXXX. Made on XX/XX/XXXX. This is stressful as I have tried to go through the proper channels to have this removed and I feel this should be taken more seriously. Transunion calls it a " glitch '' in their system and now will not listen to those effected by it. Thank you, 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 2022-09-06
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On Wednesday, XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of Bidens Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I am eligible for XXXX in forgiveness. Throughout the pandemic I paid almost $ XXXX in payments. 

It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, aidvantage are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I need you to investigate the following accounts you claim to be accurate on my credit file XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Please show me detail documentation including an application signed by me otherwise delete this unverifiable inquiry from my credit file. 

After you finish my request, send me an updated report Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: EQUIFAX, INC.
State: NC
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 submitted a request to this company to remove unverified accounts that are on my credit report in violation of 15 U.S.C. 1681. They have not done so. The Fair Credit Reporting Act requires every agency that reports credit events ( including Equifax, NOT JUST THE ORIGINAL CREDITOR ) to keep in their OWN ( Equifax 's ) files VERIFIABLE PROOF of everything they report. BY LAW, this proof should come from EQUIFAX, as well as the original creditor. This burden lies of proof lies with them and they ignored it themselves and passed it off to the original creditor. EQUIFAX did NOT send me, from their own files, documents used to verify these accounts. Nor did they send me the name/contact information of the person in their company who " verified '' the information. Them stating that they have reached out to the original creditors for information about the accounts tells all of us, they have not maintained verifiable information in THEIR OWN ( Equifax 's ) personal files. They HAVE NOT produced the copy of the ORIGINAL CREDITORS DOCUMENTATION with my SIGNATURE that should be in their records AT ALL TIMES. I AM DEMANDING THAT EQUIFAX DELETE THESE UNVERIFIED ACCOUNTS IMMEDIATELY : -XXXX XXXX- Acct # XXXX -XXXX- Acct # XXXX ... XXXX -XXXX- Acct # XXXX ... XXXX -XXXX- Acct # XXXX ... XXXX -XXXX- Acct # XXXX ... XXXX I will gladly HIRE A LAWYER as the law is not being upheld, and I will also go to Social Media Outlets to express my dissatisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
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: Personal information incorrect

Complaint:
The Experian credit report supplied by Experian shows XXXX XXXX XXXX, Name ID # XXXX as a name included in my personal information. This person is not me. The name is not an alias for me. I have never used that name for any reason. 

In addition, there is an address in my personal information of XXXX  XXXX XXXX, NH XXXX. I have never lived at that address. 

The name XXXX XXXX XXXX, and the address XXXX XXXX XXXX, XXXX NH XXXX need to be removed from my credit report. 

In providing a copy of my credit report, the only recourse Experian offers to correct inaccurate information is to file a dispute of inaccurate information with your agency. 

Please assist me in removing this person 's name and address 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 non-monetary relief
Consumer complaint received 2021-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I am a returning customer to Capital One. I received a pre approved offer which I accepted. The web site would not allow me to sign in and when I contacted Capital Onbe after one hour on the phone with " XXXX '' I was promised an email from them which I would then be able to send back verification info ( drivers liscence ). Email did not arrive, My credit rating has been reduce due to the hard inquiry and I do not have the promised credit card,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
CRA ... XXXX AND XXXX ... REPORTING INCORRECT XXXX XXXX XXXX DATA INFOR AND NOT MY ACCOUNTS, NEVER HAD ANY PUBLIC RECORDS, REMOVE BANKRUPTCY FROM FILE, SAME DATA  REPORTED 2X ON FILE, OUTDATED INFOR ON FILE, VIOLATES FCRA PROVISION 604,605,607,611 AND 623

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
CAPITALONE BANK HAVE NO WAY TO CONTACT THEM DURING COVID-19. CAPITAL ONE BANK HAVE NO EMAIL, NO CHAT, NO WEBSITE LINK, XXXX XXXX TO REQUEST HELP WITH ISSUES. THE ONLY OPTION CAPITAL ONE BANK GIVING TO ITS CUSTOMERS/POOR CONSUMERS IS TO CALL 800 NUMBER OR READ THEIR FAQ. READING THEIR FAQ ON WEBSITE CAN NOT REQUEST PAYMENT DEFERMENT ON PARTICULAR ACCOUNT. THEIR 800 NUMBER IS ALREADY JAMMED DURING COVID-19. THEIR FAQ ON WEBSITE IS USELESS BECAUSE THERE IS NO WAY TO CONTACT THEM AND REQUEST DEFER PAYMENTS ON ACCOUNT DURING PANDEMIC COVID-19. PLEASE HELP POOR CONSUMERS.ALL OTHER BANKS HAVE PROVIDED AUTOMATIC PAYMENT DEFERMENT OR VARIOUS ELECTRONIC METHODS TO CONTACT THEIR CUSTOMER SERVICES DURING COVID-19. BUT CAPITAL ONE HAVE DONE NOTHING EXCEPT SAME 800 NUMBER WHICH IS ALREADY JAMMED WITH CALLS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: WESTERN UNION COMPANY, THE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Complaint About Western Union on Money Transfer and Non-payment I refer to the above in which I was a victim of non payment of a money transfer via Western Union XXXX. The loss was in relation to a money transfer via Western Union at XXXX XXXX XXXX via a Western Union transfer no. MTCN XXXX. I am a regular user of Western Union money transfer services for many years. So far I had no problem and I am very satisfied with the service. Recently, I planned a trip to XXXX XXXX. As I did not intend to carry too much cash with me, I make a transfer at the Western Union agent in  XXXX of an amount USDXXXX to XXXX XXXX on XX/X/2017 XXXX. I am the sender as well as receiver. In my application I have included a test question and answer for security reason as this is the first XXXX I sent to XXXX XXXX. 6 hours later at XXXX I received an SMS from Western Union informing me that the money was pick up by XXXX XXXX XXXX XXXX. myself. I was shocked to know that. I immediately lodged a non-payment claim at Western Union. I was informed that they required 21 days to conclude the investigation. On XX/X/2017 I received a email from Western Union United State stating that they denied liability as they said the agent paid out the money in accordance with the procedure. I strongly believe that the agent in XXXX XXXX deliberately paid out the money because no one knew the security question and answer except the agent. I lodged a complaint at my local authority. I was advised that Western Union was incorporated in the US and it was not within our local jurisdiction. Therefore, I request your good office to intervene and help to resolve the above matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi, My name is XXXX XXXX. 

I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EQUIFAX RECEIVED THE LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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 disputed the accounts # XXXX and # XXXX with Portfolio Recovery Associates collection agency multiple times but the issue is still not resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-01
Company: Mid-Atlantic Finance Co., Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2019, I filed a complaint against Mid Atlantic Finance with CFPB. Since filing the complaint, we have not been able to communicate with anyone regarding the details of our account. Per XXXX XXXX, no one is able to speak with us, except for a specific department because we filed the complaint. When we call, we are placed on hold for extended periods of time with no response. In XX/XX/2019, I emailed Ms. XXXX   documentation requesting an extension due to financial difficulties. Ms. XXXX stated we would get a call back within one week. I have made numerous attempts to call, only to hold for extended periods and the phone call be dropped.

Mid Atlantic Finance has incorrectly charged off our account. We want to pay the account ; however, we are requesting modifications to the loan. We are requesting a loan modification due to financial difficulties with my son and my husband. Mid Atlantic is not our original lien holder. Our account was sold to them without our prior knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received an email from the Dept. of Education stating that the PSLF had been expanded and that I didnt need to do anything but that my payments toward forgiveness of my loans would increase by at least 33 payments according to their records. They suggested I send in a certification of employment to ensure all of my counts were updated. I submitted everything they requested. When I received my letter, it shows that my payment counts increased only by the employment verification that I submitted. My previous 33+ payments have never been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: EQUIFAX, INC.
State: MD
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 file one complaint on XXXX XXXX XXXX and today I received a notice that this fraudulent account was updated again and it cost my score to drop. This should be removed from my account as I HAVE NEVER HAD A XXXX XXXX  CARD. I did again reach out to them and if they don't stop this activity I am going to my local Maryland State Police XXXX XXXX and report it. How can they take pleasure in destroying peoples lives? They have failed to provide any of the credit bureaus with information and refuse to send anything to me. They have a XXXX  address and I have lived in XXXX  for 31 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I became XXXX on XX/XX/XXXX, and lost my job due to said XXXX in XX/XX/XXXX. I contacted Navient about my private student loan ( or Signature Student Loan, as it is referred to on my account ). They told me I have no more forbearance and it would go to collections. They will offer me no lower payment. Since that time, I have been receiving 8 collection calls/day. When I called Navient, they said that they know how many times a day they can call, and that number is 8. They said they have their own internal collections. They do call between the specified times, but eight times per day. They said they are not harassing me, but trying to collect on a debt. Although I have been paying on this debt since XX/XX/XXXX, the principal alone is above the principal amount of the original loan. The original principal amount was {$29000.00}, and the payoff amount today is {$29000.00}. This has caused me to look at the history of my payments. I see that I was charged a {$920.00} " repayment fee '' at the inception of the loan. I have no idea what that is, or if it is legit. Additionally, I do n't see a total of how much I have actually paid already on the payment history. It sure seems like they would end up receiving a lot more than the principal amount than a person should have to pay. Especially for a student loan. <P/>They said they will send me paperwork to complete, and if they find that I am permanently XXXX, the loan can be forgiven. The calls will stop for seven days. I asked once before for them to stop calling me because I am XXXX and have no job, and they told me I have to request that every 7 days, or the calls will continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: Utah System of Higher Education
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am a XXXX XXXX at the XXXX XXXX XXXX XXXX  ( XXXX ). I have a Direct Consolidation Loan that is serviced by XXXX XXXX XXXX XXXX. My employer, the XXXX, has a student loan repayment program ( SLRP ). As part of the annual application process for its SLRP, the XXXX gives me a loan data verification form that I am required to forward to XXXX, so that XXXX can confirm certain details about my student loan. This XXXX form, together with the XXXX XXXX cover letter, asks XXXX to return the completed forms directly to the XXXX, either by mail, email, or fax. I submitted this XXXX form to XXXX  on XX/XX/XXXX, using their " File Upload '' feature on my account portal. Three weeks later, XXXX still has not supplied this information to the XXXX. I have contacted XXXX  multiple times, both by email and over the phone, and they keep telling me that it can take them 30 business days or longer to process such a request. I do not believe it is acceptable for XXXX to take so long to process such a simple request for information. In fact, last year, in XX/XX/XXXX, XXXX faxed the completed form to the XXXX the very next day after I submitted the request to XXXX. They are now either incapable of providing a minimum level of customer service to the borrowers whose loans they service, or they are deliberately trying to impede my ability to accelerate repayment of my loan through the XXXX XXXX SLRP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: GENTRY FINANCE CORPORATION
State: AZ
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Embarrassing phone calls made to my work of employment, harrassments made to my supervisor as well myself. I am currently a single mother trying to get a place for my son and myself, no vehicle and recently divorce.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage with Wells Fargo and monthly payment unexpectedly went from {$350.00} to nearly {$400.00}

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 explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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