BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-22
Company: AES/PHEAA
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 began working for a XXXX hospital after graduating college in XX/XX/XXXX. I submitted my first employment certification form ( ECF ) in the summer of XX/XX/XXXX for the Public Service Loan Forgivement ( PSLF ). The ECF was approved, the qualifying payment count was appropriate, and my loans were transferred to XXXX XXXX. In the summer of XX/XX/XXXX, I submitted my second ECF at the recommendation of XXXX XXXX to submit an annual ECF. I received a determination on my XX/XX/XXXX ECF with what I believe to be an inaccurate qualifying payment count. I called XXXX XXXX at the end of XX/XX/XXXX and was told by a representative that a manual review would need to be performed which typically takes 3 months. Today ( XX/XX/XXXX ),  approximately 4 months after that initial call, I had yet to hear back on the results of the review. I called XXXX XXXX   for an update and new estimated time I could expect to receive a decision. I was told by the representative that she did see the request I submitted in XX/XX/XXXX, it was still under review, and at this time they do not provide an estimate of when the review will be complete because it could be more than a year. When I asked for clarification regarding the annual ECF and if this would at least be resolved when I submit an ECF in the summer of XX/XX/XXXX, she reported that annual ECF certifications are only reviewed for qualifying payments made from the last time an ECF was submitted despite having the same date of employment start listed for each ECF. Thus, this problem will continue to compound year after year with the expectation that I as the consumer may never hear back about my manual review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
It has come to my attention that these companies have accounts open under my name and I have no knowledge of this. I do not recall applying for credit with these companies ever before. Either I have been mistaken for someone else or this credit was the result of some fraud. These companies were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX these accounts were all opened this year of XXXX Credit lines opened from {$200.00} to {$500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed complaint with chase XX/XX/2022 charges reversed while investigating filed police report XX/XX/2022. 2 weeks later chase reversed charges stating I took money. I asked for further proof they told me burden of proof is on me .I have been treated like garbage from chase no one cares they are sorry but I am out XXXX XXXX XXXX XXXX XXXX XXXX  I can not afford to lose this money I need your help!!!!!!!!!! this is criminal how they are treating me. my friend who is a XXXX detective has told me people are stealing info at arms and duplicating and stealing money I know I am not alone!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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:
My consumer report have updated with inaccurate data. I did not consent to any of this Please see the attached for complete arbitration details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Hyundai Finance is not providing the title information to the appropriate agency so that I can register the vehicle in my new home state of XXXX. I was previously in XXXX. This is a particularly time sensitive issue because I am not able to obtain a parking permit to park on the street until I have XXXX tags on my vehicle. I first submitted the request and appropriate information on XX/XX/2022. They said that it would take 10 business days to get the information to the appropriate agency in XXXX. I followed up again on XX/XX/2022, and they stated it was in progress. I contacted them again on XX/XX/2022 again stating it was in progress and takes 10 business days, but that it didn't get entered into the system until XX/XX/XXXX. I reiterated that the request was submitted per Hyundai Finance secure email on XX/XX/XXXX and that it needed to happen asap so I can obtain my parking permit. I called once again on XX/XX/2022 at which point the call was forwarded to a manager, and they said they would try to get it done as soon as possible. As of Friday, XX/XX/2022, the title information still had not been received by the appropriate agency in XXXX. This is truly unacceptable in general. I will now have to pay XXXX  XXXXday to park in a garage because I don't have any more temporary parking permits available to me until 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 2019-06-29
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 received copies of my credit report from XXXX, XXXX, Equifax and noticed the companies reporting inaccurate information in my credit file I called the companies and disputed the accounts the companies claim the accounts was verified and continue to report the inaccurate information on my credit report. I disputed by phone and mail so that I can keep complete record of all correspondence I also disputed with the companies that is reporting the inaccurate accounts. XXXX, XXXX, and Equifax claim that they have verified the accounts and that is not already one of the company 's I sent a dispute certified letter to has already been sent back to me saying that the company does not exist these bureau are allowing incorrect information status on accounts and old information to continue to report in my credit. also they are reporting names and addresses medical collection without following the HIPAA rules and regulations so please look into the companies it is not right for the credit bureau to report information that does not belong to you for the purpose of making money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: MOHELA
State: NC
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 have had several conversations with customer service at Mohela ; on XX/XX/XXXX, I spoke with XXXX ; on XX/XX/XXXX, I Blessing ; on XX/XX/XXXX, I spoke with XXXX ; on XX/XX/XXXX, I talked to XXXX, and on XX/XX/XXXX with XXXX, and each time the customer service representative quoted a different amount to repay. I only have XXXX loans and XXXX parent plus loan. Mohela 's customer service representative quoted that the XXXX loans placed on the savings plan would be XXXX, and the parent plus loan would be on an XXXX plan, costing XXXX. The customer service representative told me the XXXX loans would cost XXXX, and my parent plus loan would cost XXXX. I am a state employee, and I can't afford to make that payment. I need to resolve the issue to make payments on my student loan. As it stands now, they are saying I am past due, although a forbearance was requested and issued by the customer service representative on XX/XX/XXXX. I waited on the phone for over XXXX hours each time I spoke with a representative. Each representative was in training and could not assist me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX ACCT # XXXX Amounts : {$3800.00} / {$3600.00} / {$3500.00} / {$7300.00} / {$3800.00} / {$7300.00} / {$6400.00} / {$1900.00} / Date Opened : XX/XX/2019 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act 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 an 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 2019-03-17
Company: Atlanticus Services Corporation
State: SC
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:
On XX/XX/2019, I picked up some mail from the people that had recently bought my house. While going through this mail, I saw 2 credit card bills that I didn't recognize. After opening these bills, I saw that they were fraud. I had never applied for a credit card to either institution in question, so therefore none of the charges on these cards were done by me or authorized by me. I immediately called both XXXX and XXXX XXXX and advised them of the fraud. The cards were terminated and fraud paperwork was sent to me by both companies. I filled out this paperwork and mailed it back. However, XXXX keeps putting negative reports on my credit report. They are now saying I am over 60 days late on my payment to them. I have no obligation to pay for fraud. Their refusal to remove these negative items from my credit report have now damaged my credit. My credit limits have been reduced on my XXXX card by {$1000.00} and my XXXX XXXX credit card had been reduced by {$4000.00}. Once fraud is reported, there should be a presumption of innocence on the part of the person who asserts to be a victim of the fraud. I submit that any credit card company that ruins a person 's credit after fraud has been reported to them is ripe for suit. This has damaged me in my ability to purchase materials to fix up a property I'm working on to get it ready for sale. XXXX has, in effect, robbed me of {$5000.00} in purchasing power to conduct my business as well as caused a reduction in by credit score to where it is now below average. What's left of my credit will probably be ruined as well if they do not remove all items they have against me on my credit report. I was prompt on reporting the fraud so it could be stopped. However, XXXX has not been prompt in removing themselves from my credit report, instead they have chosen to ruin my credit over fraud. I intend to sue them for doing this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Experian Information Solutions Inc.
State: NC
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:
According to my research about FCRA XXXX, XXXX Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX BRITTANYPL XXXX XXXX XXXX, NC XXXX ; XXXX XXXX PL XXXX XXXX XXXX, XXXX XX/XX/2022 ; XXXX XX/XX/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 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX  addressed one of the issues, but not my concern of how they continue to report the utilization of my credit being at 47 %. 
My card utilization is only 8 %. 
After contacting XXXX  they made the correction right away. 
Seeing that this aspect of credit card utilization is essential to repairing ones credit. 
The refusal to correct this error seems intentionally underhanded. 
I've no response regarding the correct reporting of my card utilization. 
Can I sue them for this?

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 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been a victim of identity theft, I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately. 

Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$550.00} Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$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
Consumer complaint received 2021-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is reporting INACCURATE late payments to my credit report from an Auto loan that is now closed and paid. I have disputed these inaccurate late payments with them directly along to XXXX, XXXX, and Transunion and neither company has been able to validated this information correctly and have failed to provide me with transcripts proving these late payments are accurate! They are reporting 17 late payments and that is inaccurate! See attached copy from my credit report showing how they are being reported.

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 2020-12-26
Company: CITIBANK, N.A.
State: CA
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:
Unresolved Chargeback dispute between Citi and a merchant ( XXXX ) regarding the original transaction date of XX/XX/2020 in the amount of {$1700.00}. This was a deposit for an out-of-state apartment lease who required a merchant transaction through XXXX. 

On XX/XX/2020, I was forced to put a temporary hold with Citi on this transaction due to Covid-19 travel restrictions, but two days later I cancelled the hold when the landlord agreed to hold my deposit until Covid travel restrictions were lifted. 

Citi sent a " Dispute Detail report '' that this transaction amount of {$1800.00} was canceled and applied a permanent credit to my Citicard. Later, Citicard rescinded this credit claiming they made a mistake and the charge remained on my Citicard. 

The merchant nor the landlord received the funds after I cancelled the hold with Citi. 
I used other funds to pay the amount again to the landlord, while Citi showed that I still owed it on my Citicard

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 2020-12-26
Company: DriveTime
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: Credit inquiries on your report that you don't recognize

Complaint:
I never authorized them to use my information for any credit check its causing a problem on my credit and needs to be removed. I tried contacting them and was told the matter will be solved but instead I got harassed through multiple phone calls. I need this removed

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 2022-12-19
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My consumer rights were violated under 15 usc 1681b ( a ) ( 2 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
Wells Fargo arbitrarily decided to close all Lines of Personal credit as of XX/XX/XXXX, with minimal notice and without offering any options besides " Apply for one of our other credit cards. '' However, after multiple attempts online and in the bank with a personal banker, I was repeatedly turned down. I've been a Wells customer since XXXX, keep an average balance of $ XXXX month-to-month, and have had this Line of Credit for 10 years. I was XXXX and on XXXX over 4 years ago, and did have some problems that impacted my credit score, but it will be several more years before that stops negatively impacting my credit score. The Line of Credit represents over half of my current total credit limit, and having it disappear will make my credit score much worse, and take longer to recover. Over the last 3+ years I prioritized my obligations to Wells paying thousands in interest and fees, never missing or being late with a payment, and now have XXXX outstanding debt with them. It's wrong that I have made considerable effort in good faith to honor my obligations to Wells, and they can arbitrarily pull the rug out from under me, create big problems for me, and offer nothing to offset the impact their actions have on me. The only other credit options currently available to me are very low quality and expensive.

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 2023-09-24
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602A states I have the right to privacy.

15 USC 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) sections states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 USCs - 2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Delete the following names off my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-10-09
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Same as complaint XXXX. I made transactions and there was dissatisfaction of services. They told me I approved charges and there was nothing that they could do. 

Good thing I wasnt making a complaint about making the charges I was making a complaint about dissatisfaction of service and reclaiming my funds. They did absolutely nothing.

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