BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-04
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted an application for  Public Service Loan Forgiveness ( PSLF ) to FedLoan Servicing. I have not been credited the correct number of payments for my current employment. I called FedLoan Servicing and was informed that I was not eligible for PSLF with my current employer (   XXXX   XXXX   ),  which is why my payments are not credited. However,  3 payme nts for  XXXX  loan and  2 fo r the other were credited according to the statement I received. It does not make sense why there would be differing numbers of qualifying payments.     I am also confused as to when I entered into a qualifying payment plan  for PSLF as the National Student Loan Data System only has information for my current repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
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:
Equifax has been non-compliant with removing the unverified account XXXX/XXXX   XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX/XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: W&A Intermediate Co., LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has ruined my credit, ,Credit is needed to buy a home, rent an apartment, and buy furniture, I had insurance since XXXX  and I am still being billed for this medical debt, the hospital did used my insurance to pay for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
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:
Equifax has been non-compliant with removing the unverified account XXXX   XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Experian Information Solutions Inc.
State: ID
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:
Experian is reporting that I filed chapter XXXX  bankruptcy. This is an outright lie. I have never filed chapter XXXX. The attached letter was sent to my mortgage company as proof.

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 2017-05-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have disputed credit results on Equifax. They have refused to send me my dispute results. I have called multiple times and been told various stories. By law I should have gotten my results within 60 days. It has been over 8 months and I still do not know my results. When I call I speak to people that are unaccommodating, with heavy accents. I have found that majority of the managers and representatives have improperly recorded my previous conversations, so I have to start from scratch with each conversation. I want my results asap. No more excuses blaming the United States  Post Office ( w hich has consistently mailed me my   XXXX    &    XXXX    results ) for their shortcomings. I WANT MY REPORT MAILED TO ME NOW!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been in repayment f or 11 years. This company has consistently mis-applied payments which requires me to call and argue with them for 1-2 hours every 1-3 months to get them to fix how the payments were applied. They may  have changed their name from  XXXX  to Navient, but they have not changed their harassing procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I was up charged a high interest initially when getting my car loan, and also charged high interest on fees.

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 2023-02-02
Company: Experian Information Solutions Inc.
State: LA
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'm sending you this complaint to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : XXXX to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. The accounts and other objects that do not belong to me or that were opened without my consent are listed here : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.

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 2017-05-04
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX ,   XXXX   and Equifax the  XXXX  credit reporting agencies have failed to remove after  three  letters from myself to remove Unverified information from my consumer fi le. (   XXXX   XXXX   XXXX  ). This in violation of Fair Credit Reporting Act.   If said information is not removed then monetary damages will be pursued under Sectio n 616 and Section 617.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
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: Account status incorrect

Complaint:
XXXX XXXX XXXX is committing fraud and interstate illegal activity and violating federal law across state lines. XXXX XXXX XXXX IS FALSELY AND FRAUDULANTLY STAING I OWE THEM MONEY WHEN I DO NOT. XXXX XXXX XXXX ARE FALSELY AND FRAUDULENTLY STATING I OWE THEM MONEY FROM AN OLD CAR LOAN WHICH I DO NOT AND THEY CANT PROVE I DO. XXXX XXXX XXXX XXXX XXXX texas is under ACTIVE criminal investigation by a senior fraud investigator of the district of columbia attorney general and the texas attorney general and the CFPB, the FTC, and the consumer sentinel database. XXXX XXXX XXXX IS committing interstate fraud and illegal activity and committing slander by placing false illegal information on my XXXX XXXX XXXX XXXX XXXX experian equifax and transunion. They are ACTIVELY being sued by me for committing fraud and illegal activity and my lawyers and I are in touch with federal law enforcement in this matter. XXXX XXXX XXXX and the president and board of directors of their company will and are being actively sued personally for fraud and illegal activity. I DO NOT OWE ANY MONEY XXXX $ OR AMOUNTS TO XXXX XXXX XXXX AND THEIR CREDIT REPORTING ON MY CREDIT REPORT IS FRAUD AND ILLEGAL, VIOLATING FEDERAL AND TEXAS AND DC STATE LAW. THEY WILL BE IN PRISON SOON FOR THEIR CRIMES. I ALSO WISH TO RE-ITERATE THAT I HAVE INVOLVED THE DEPARTMENT OF JUSTICE CIVIL RIGHTS DIVISION IN THIS MATTER AND THIS COMPANY HATES AND DISCRIMINATES AND PHYSICALLY THREATENS ( BY ME NOT BEING ABLE TO procure housing due to my credit report ) OUR NATIONS WOUNDED WARRIORS AND DISCRIMNATES AGAINST XXXX VETERANS AND XXXX PERSONS, and gay people, ALSO A VIOLATION OF THE CIVIL RIGHTS ACT OF 1964 AND THE FAIR CREDIT REporting act. THIS COMPANY LIES AND THREATENS PHYSICALLY OUR NATIONS DISabled persons and veterans. THIS COMPANY AND ITS EVIL GOONS SNEERS WHILE THEY KEEP OUR NATIONS VETERANS HOMELESS WITH ITS LIES AND FRAUD.THERE ARE THOUSANDS OF COMPAINTS AGAINST THIS COMPANY WITH STATES ATTORNEY GENERALS OFFICES AND THE DEPARTMENT OF JUSTICE.

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 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX has violated my rights.

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 2023-06-07
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:
There are several fraudulent accounts and unauthorized inquires on my credit report that doesnt belong to me. I havent been checking my credit report in several years and I see that these accounts have been on my credit report for over XXXX  years and should not be on my credit report at all after XXXX years. These accounts are fraudulent and derogatory and is preventing me from buying a house and moving with my family.

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 2017-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX , TransUnion, and   XXXX   the  XXXX  credit reporting agencies have failed to remove after three letters from myself to remove Unverified information from my consumer file.  XXXX   XXXX   XXXX   XXXX   XXXX . This in violation of Fair Credit Reporting Act.   If said information is not removed then monetary damages will be pursued under Sect ion 616 and Section 617.

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 2022-04-07
Company: AMERICAN EXPRESS COMPANY
State: NV
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:
Date XX/XX/2022 Paid American Express Hilton ( AXH ) {$4100.00} On XX/XX/2022 I called American Express Hilton to explain the error, and explain to them that I meant to Pay ( AXH ) {$170.00} and {$4000.00} to my American Express Delta ( AXD ) I was told no problem we ( American Express ) can transfer {$4000.00} to your ( AXD ) and that it will take 24-48 hours. 

Today I looked and the credit is still on ( AXH ) 72 hours later. 

Called today XX/XX/2022 to ask what is the hold up. Now, American Express is telling me that the transfer is going to take 5-7 business days. 

I think this is a deceptive practice and all they are doing is collecting more interest on my ( AXD ) credit card. 

I asked how long does it take to refund my credit and they said 2-3 business days. 

So they can refund my money in 2-3 business days, but they can not do an internal transfer and that is going to take 5.-7 business days. 

I asked for my money to be returned ... but again I think this is deceptive practice and they are collecting more interest payments. 

I would like this researched because this practice is very unfair to consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I called them every month from XXXX to XXXX requesting information about the monthly maintenance fees which caused my balance to drop. The monthly maintenance fee is XXXX $ each month i drop below XXXX XXXX They charged me over XXXX $ since I opened my bank account. On several occasions, they have held my funds that were being transferred from an overseas bank which made my balance drop below XXXX. On XX/XX/XXXX, they authorized to refund me XXXX $ for two monthly maintenance fees after I called with a complaint. However, the problem still continues. 

They charged me wire transfer fees ( XXXX $ ) 6 times from XXXX to XXXX ( XXXX transactions in XXXX ) without notice, i am usually charged wire transfer fees XXXX $ ( they were that before XX/XX/XXXX  and after XX/XX/. Which makes me guess they are trying to cover their losses from the law suit by doing anything they can.

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 2023-01-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX XX/XX/XXXX, I mailed a check, in the amount of {$1100.00}, to XXXX XXXX. 2+ weeks later XXXX notified me that they never received the check. I went to a local Citizens bank branch ( XXXXXXXX XXXX  XXXX ) and they pulled up a digital copy of the check ( # XXXX ). The " payee '' line had a name clumsily written over the original. They began the claim process. 
I received a letter on XXXX XXXX XXXX that they were working on it. I waited until the middle of XXXX to call about progress. The agent told me that it may take another 3 month for resolution. Called, again, in the middle of XXXX XXXX, no progress. Called in early XXXX XXXX... no progress. Called today, was told XXXX bank denies payment. 
I feel, nearly, 7 months, after the fact, is plenty of time to return my money. I have a photocopy of the check ( but, at present, can not forward it to you ). Let me know if you should need it. My phone number is XXXX. Thanks, very much for any help in this matter. 

XXXX XXXX XXXX XXXX. Claim Number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: EQUIFAX, 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:
There is  a Tax Lien on my  Equifax report that was previously removed and put back on.  XXXX   XXXX  and   XXXX   have already removed it but for some reason Equifax has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter last XX/XX/XXXX to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-05-04
Company: Harvard Collections, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
we received a bill from  Harvard  collection services inc, I was not aware that i owed these doctors. original amt.  XXXX  settlement amt.  XXXX  then offer was made  XXXX  if paid on the phone. i had bad experience on dealings on the phone so i offered to pay by check, cashiers ck, or money order. at that time i was told that if i had concerns about paying on the i could pay on the phone and then close out my acct. then they said i could pay by ck. but amt would be  XXXX  to me this made no sense at all. this is what brought me to this point in time. the closing the acct. was so far off the wall i really became concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom it may concern, I am writing to formally dispute the presence of the BMO BANK N.A. account on my XXXX report, as referenced under XXXX  XXXX XXXX; XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The account is associated with the name XXXX XXXX and the address XXXX XXXX XXXX, XXXX, TX XXXX, with the reported XXXX  XXXX. 

Account Details : - Date of Closure : XX/XX/2021 - XXXX/ACCT # : XXXX / XXXX - Original Charge Off Amount : {$9100.00} - Closure Status : UNPAID - Closure Status Date : XX/XX/2021 Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), I assert my entitlement to a precise and equitable representation of my credit history. This statute imposes an obligation on information furnishers, such as BMO BANK N.A., to furnish accurate and complete information to consumer reporting agencies. 

I challenge the accuracy of the reported information and dispute the veracity of the debt in question. Additionally, I request that, in accordance with the FCRA, a thorough investigation be conducted into the legitimacy of this debt. I seek assurance that, beyond any prescribed investigative timeframe stipulated by 15 U.S.C. 1681s-2 ( a ), if applicable, the contested account will be promptly removed from my XXXX report . 

Furthermore, I request validation of the debt in question. Kindly provide comprehensive documentation verifying the legitimacy of the reported account, including details on the original charge off amount and pertinent closure information. I have enclosed the following documents, -Current Utility BILL -Current State ID -Current SSN I am cognizant of my rights under the FCRA and anticipate that XXXX XXXX will undertake a diligent examination of this matter, adhering to the statutory provisions. A prompt written confirmation of the investigation 's outcome, as well as the removal of this account from my XXXX report, is earnestly requested. 

Thank you for your prompt attention to this matter.

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