BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-23
Company: AES/PHEAA
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 information incorrect

Complaint:
RE : ACCOUNT NUMBER XXXX XXXX XXXX I qualified for Public ( Student ) Loan Service Forgiveness and my student loans were forgiven by FedLoan Servicing on XX/XX/2022. 

However, in a previous correspondence/letter, FedLoan Servicing ASSURED ME that FedLoan Servicing will be reporting my forgiven consolidated amount of XXXX to the Three Credit Bureaus as XXXX PAID IN FULL ''. 

THIS IS NOT THE CASE. FedLoan Servicing is wrongly reporting to the Three Credit Bureaus as " PAID.CLOSED ''. PAID/CLOSED COULD BE FOR DIFFERENT REASONS, BUT PAID IN FULL IS WHEN THE ACCOUNT IS PAID IN FULL TO FED-LOAN SERVICING XXXX THE DIFFERENCE BETWEEN " PAID IN FULL '' AND " PAID.CLOSED '' IS HUGE. If FedLoan complete their obligation to Report my XXXX loans to the three credit bureaus as " Paid In Full '', then my credit score will be increased. When FedLoan Servicing is reporting that my newly consolidated student loans are ONLY " PAID.CLOSED '', that reflects negatively on my credit score, because FedLoan does not direct the three credit bureaus that my student loans are FORGIVEN OR PAID IN FULL BY THE GOVERNMENT. 
THIS IS WRONG. 
See the following explanation by XXXX : " The Difference Between Closed and Paid-in-Full. - Revolving accounts, like credit cards, are referred to as " closed '' when the account can no longer be used to make charges.Credit card accounts will show " closed '' with no balance rather than " paid in full '' so that there is no confusion about whether the account is open to new charges. Paid, '' or " paid in full, '' is the term applied to installment accounts, like car loans/student loans, after the last payment is made and you have completed repayment of the loan as agreed. XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX Account 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 instruction

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 2023-02-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had a personal credit card with Citibank since XXXX. Starting in XXXX Citibank has decreased my credit limit-a total of THREE times-despite the fact that I made my monthly payments. I had my credit limit decreased TWICE in XXXX months : on XX/XX/XXXX and again on XX/XX/XXXX despite the fact that I made all required monthly payments. 

I have called and written to Citibank. When I spoke to Citibank they lied and said that part of the reason why my credit limit was decreased was because according to XXXX I was underpaying my monthly payments on other credit cards. This is a lie. During the same conversation, the same operation acknowledged that I had a " Good performance review with Citibank. '' I subsequently contacted XXXX and spoke to an operator who said that my account " Is clean '' and that " There is no negative information, no late payments '' reported to XXXX. 

Citibank has caused my credit score to go down by repeatedly lowering my limit. Every time Citibank lowers my credit score they disrupt my credit utilization ratio. Citibank has therefore caused me damage.

Citibank has violated the Fair Credit Reporting Act by failing to send me written letters informing me of their decision and explaining why. Citibank has failed to respond to my written letter. Why after 20 plus years did Citibank start to monitor my account and begin to regularly check with the credit bureaus about me? Because of discrimination. Citibank has violated my rights by discriminating against me based on gender and race.

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 2022-07-23
Company: JPMORGAN CHASE & CO.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
We cancelled a XXXX XXXX due to Covid. XXXX issued two credits {$680.00} on XX/XX/XXXX and {$31.00} on XX/XX/XXXX to Chase AARP credit card even though we no longer used that credit card. XXXX  policy is to put the refund on card that was used for deposit, even though we told them we no longer use that card. Chase was taken over by XXXX & we didnt activate XXXX XXXX. Both banks, Chase & XXXX can not locate any of our account information. XXXX will not refund our money because they say they no longer have the funds. XXXX says to contact banks collection department. We have gone in circles, contacting all again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have previously disputed this account with the bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me - the alleged account holder - there is no way the bureaus were able to verify this! I'm invoking my rights as a consumer under Federal Law and the bureaus are choosing to blatantly just ignore me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17
Company: Experian Information Solutions Inc.
State: IN
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 account is still being reported XXXX open with a balance on my account. i have tried to dispute this account numerous times and experian dispute specialist said my additional information attached was " insignificant ''. This incorrect information is continuing to be reported on my credit report after providing proof this account is closed and all activity has been terminated.

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 2021-10-21
Company: CORELOGIC INC
State: IL
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:
Pursuant 15 U.S. Code 1681 Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Remove the following from any all credit reports : 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

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 2023-11-18
Company: ACRE MORTGAGE
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage
Sub-issue: Closing disclosure or other related disclosures

Complaint:
Acre Mortgage & Financial Inc., Classic Quality Homes, and their attorneys are aware of my name, and address since the information presented in the attached documents has been presented before the United States District Court for the Middle District XXXX XXXX, including the United States Court of Appeals for the Third Circuit. This has been an ongoing Civil Litigation since XX/XX/2016. The Plaintiff was victimized in XXXX XXXX XXXX XXXX XXXX XXXX real estate property predatory lending scheme. XXXX XXXX XXXX failed to comply with the CFPB 's TILA RESPA Integrated Disclosure ( TRID ) rule, failed to obtain the Plaintiff 's six pieces of information for a valid application, and failed to utilize and create the XXXX ( A ) Loan Estimate and the XXXX ( A ) Closing Disclosure. Therefore, XXXX XXXX XXXX failed to create a valid and enforceable mortgage loan application, and demanding mortgage payments without an existing, valid, and enforceable mortgage loan application. 

I do not mind if the CFPB publish my information so that others can learn of my experience, but I am requesting that the CFPB remove my name and address. 

Thank you for your assistance in this matter

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone opened up an American Express credit card. XXXX were 2023 and it was closed XX/XX/2023. This is not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: DISCOVER BANK
State: IN
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:
A renewal charge of {$53.00} was placed on my Discover card without my authorization. The renew was for a service that no longer exists. I contacted the merchant, and, as a precaution, I also disputed the charge with Discover. The merchant agreed to refund the charge and sent me a document showing that the refund was made. However, Discover did not give me credit for the refund. I contacted Discover and sent then copies of emails from the merchant, attesting that the charge was not valid and was refunded. However, Discover ignored these emails. I called Discover and talked to XXXX. She did not question the fact that i paid the charge through Discover, nor did she question the validity of the emails from the merchant stating the charge was not valid and should be refunded, nor did she question whether the merchant made the refund. She said the transaction was handled through XXXX, and i would have to contact them. I can not do that because I have no relationship with XXXX, in the context of this transaction. I did not pay XXXX ; I paid Discover. If Discover handled the transaction through XXXX, it was not my choice and out of my hands. My dispute is with Discover, and i have demonstrated it is not a valid charge. I expect Discover to honor the dispute and recover the charge from whatever entity Discover paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Crow Creek Sioux Tribe
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Loan was set up for 16 WEEKLY payments, and after these were paid the lender is still trying collect additional payments out of my bank account. When I called the lender 's customer service department, they said my loan was set up for 16 months. the loan amount {$2100.00} and the payments were to be {$190.00}, which after 16 weeks is XXXX repaid. That was the agreed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When I purchased the home 4 years ago I put down over 50 % in the first 30 days. I received a letter saying that due to my current equity I no longer will need to pay PMI. 
I should never have been paying PMI. When I called about the letter they said my loan to value wasn't there, but it is now. This is not true. 
On my mortgage statements I saw the wording, XXXX XXXX XXXX XXXXXXXX knowing this entire time that it was PMI. 
The mortgage company has been giving the run around and hung up on me when I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX XXXX XXXX XXXX is a closed account that is reporting late payments on my account in error. I've contacted the company directly to ask to report accurately on my account and remove late payments. I was told that they could not do it and to speak to the credit bureau. I've spoken with the bureau " Transunion '' and my account still haven't been resolved. 

I have every right to have inaccurate errors removed on my account. and this error has not only hinder my credit report, but also everyday life when it comes to funding and education.

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 2021-09-05
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Transworld communication is pursuing a debt that was originally disputed and removed off my credit report on two different occasions. This company knows the debt is not valid but insisted to still pursue and use unlawful tactics towards me about a debt I haven't accumulated. This debt was originally under Adjustments mercantile collections before it was disputed and resulted to deletion off my credit report for inaccuracy I am a " XXXX '' of my father whom holds the same name. He has used my name in the past for opening accounts fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Aqua Finance, Inc.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I financed my pool with a company called XXXX XXXX. They used Aqua Financial for the funding in XX/XX/XXXX. Original amount was {$80000.00}, monthly payment of {$1000.00} for 20 years. I have been making {$1000.00} payments every month and not a XXXX has come off my principal. I am only able to go back to XXXX of XXXX  since Aqua is now using a new online payment portal and they do not offer you all of you loan info. 
My daily interest accrual is {$30.00}. So every 31 day I accrue {$930.00}. I pay {$1000.00} on the XXXX of every month and they are not taking a XXXX off of my principal. I made an additional {$200.00} payment on XX/XX/XXXX since my monthly payment had been removed so that the {$200.00} would go towards the principal. I looked online and it said I still owed {$180.00} in interest even after my monthly payment. I called and they said my {$200.00} will first go to pay off the {$180.00} and the remaining will go to principal. So, I cancelled the payment. Also starting in XXXX they started lowering my monthly payment by {$1.00}. Started as {$1000.00} in XXXX, then {$1000.00} in XXXX, {$1000.00} in XXXX, {$1000.00} in XXXX, {$990.00} in XXXX, {$990.00} in XXXX and XXXX is the same at {$990.00}. So why would you lower my monthly due when supposedly I am not even paying enough now to cover interest. Their statements do not show principal balance. 
I currently show owing {$78000.00}. By the time my next bill is due I will owe {$79000.00} with interest. So in over 2 years {$1100.00} has come off of my principal. {$1000.00} of that is because they posted a payment to my principal by mistake. So technically only {$110.00} has actually came off my principal. That is less than {$4.00} a month being taken off my principal. This is not right and probably illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-03-16
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the accounts listed below : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX   XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Inquiry details Inquiry details XXXX Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union Universal Cr Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX  XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. 
Universal Credit Ser Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Utilities XXXX-XXXX Inquiry from XX/XX/XXXX + Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2023-03-16
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX  Balance XXXX {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Nelnet, Inc.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
We started several months ago trying to get our student loan payment lowered. We filled out all the information they needed and still havent heard anything. We received information saying our loan was in forbearance until first of year, but the online account states a large balance due. This balance due is XX/XX/. We chose to pay the principal on the loan, while it was in Congress. Please help us! We dont want this to affect our credit.

Company response to consumer: Closed with explanation