BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-09
Company: AES/PHEAA
State: CA
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 applied for the Public Student Loan Forgiveness program and was denied. I have been in XXXX XXXX  for about XXXX XXXX which consists of XXXXXXXX XXXX at the XXXX XXXX and about XXXX XXXX for the XXXX XXXX. There was no explanation for denial and I qualify for this program. I was told to consolidate my loans in order to qualify which I did and still got denied. Every time I call in a different rep tells me something different. Everyone is on a different page with no clarity. Can someone look into my account and see what's going on. I will be contacting congress as well for some assistance on my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Attempted to access the company website multiple times during the week of XX/XX/23 to view my mortgage loan and make my monthly payment but their website is not working. On XX/XX/23, I attempted to call the company but the phone number is no longer working. As of this e-mail there has been no communication from the company advising of any issues. It is unknown if this company is still in business or what is happening with my mortgage. 

Also, the company never sent out an Escrow Analysis Statement for this year explaining an increase in my mortgage payment which I know they are legally obligated to do. My payment increase goes into effect on my XX/XX/23 payment but again, no statement received explaining this increase.

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 2023-11-15
Company: Experian Information Solutions Inc.
State: FL
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigatiXXXX 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 XXXXXXXX

Company response to consumer: In progress
Consumer complaint received 2020-12-15
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am furious that these accounts are on my credit reports. I was under the impression that the credit bureaus are to verify the information before placing on my reports. I guess they did not do that since they are reporting fraudulent accounts on my credit reports. I have never had any accounts with these people so this is very shocking to me and it is stressing me out. Please remove these accounts immediately.

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 2023-01-01
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
American Express offered me a 20 % cash back and XXXX points on restaurant spendings during the first 12 months ( capped at {$250.00} total cash back ). They honored this offer for my small restaurant spendings, but did not honor it on my largest ones. Most recently in XX/XX/2022, they categorized two of my restaurant spendings in XXXX as " other purchases '', rather than as " restaurants ''. 

Upon my inquiry in late XX/XX/2022, Customer Support agreed with me that it was " odd '', but told me to wait a few days and contact them again if the cash back and the XXXX points did not appear. Upon my second inquiry in early XX/XX/2022, Customer Support told me that those restaurant spendings were categorized as " bar & cafe '', rather than restaurants, and so did not qualify for the cash back and the XXXX points. I found this to be arbitrary for two reasons. First, the places where I made the spendings were, to any reasonable person, restaurants, and not bars nor cafes. And the spendings were on meals. Second, I had received XXXX points and cash backs from places that are obviously cafes ( such as XXXX ). So they seem to make a distinction between restaurants and " bars & cafes '' quite arbitrarily, and there is no way customers like myself can determine beforehand whether Amex would categorize a place as a restaurant or a bar/cafe. 

This practice of arbitrary categorization gives Amex the power to exploit their customers, since there is no way for customers to know Amex 's categorization of a particular spending, nor to dispute Amex 's categorization later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXXXXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$11000.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$160.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$3700.00}, XXXX XX/XX/2022, XXXX 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 2023-02-13
Company: Experian Information Solutions 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 appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXXXXXX 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 2020-12-15
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: Information belongs to someone else

Complaint:
Why am I being denied a copy of the credit report pulled by XXXX XXXX XXXX XXXX used for a loan so I may prove it was a fraudulent loan? What are my requests then continually labeled duplicate when XXXX XXXX XXXX XXXX supplies 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
Consumer complaint received 2023-08-11
Company: Valor Intelligent Processing, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to address an ongoing matter pertaining to a debt allegedly owed to XXXX, which has been brought to my attention through communications from Valor Intelligence Processing and subsequent collection agencies. 

In an initial correspondence with a representative from Valor Intelligence Processing, I expressly conveyed my request for a validation letter regarding the purported debt. Regrettably, despite their assertion of having dispatched the validation letter, I have not received any documentation substantiating its dispatch, nor any verifiable means of tracking its delivery. This lack of tangible evidence raises concerns as to the authenticity and procedural regularity of the communication. 

Furthermore, on XX/XX/, I was once again contacted by a collection agency in relation to the same debt matter. It bears noting that during this interaction, I reiterated my denial of any obligation and reiterated my request for a debt validation letter. Unfortunately, as with the previous instance, the validation letter remained conspicuously absent from subsequent communications, thereby impeding my ability to fully comprehend the basis of the alleged debt. 

A similar scenario unfolded on XX/XX/XXXX, XXXX, when I was contacted anew by the collection agency, prompting yet another explanation on my part regarding the inaccuracy of the purported debt. At this juncture, I reiterated my demand for a debt validation letter, while additionally expressing a desire to converse with a supervisor. Despite being assured that a supervisory contact would be established within a 24-hour timeframe, no such communication materialized. 

Subsequent to these interactions, I received another call from the collection agency on XX/XX/XXXX, again urging me to remit payment for the debt in question. My response remained consistent I maintained that the alleged debt was not substantiated by any legitimate obligation on my part and that I continued to await the requested debt validation letter. It was during this communication that an email address was provided for the purpose of formally submitting my request. Eager to rectify this situation, I promptly transmitted an email expressing my concerns and reiterating my request for validation. 

As of XX/XX/XXXX, the date of this correspondence, I have received communication from yet another collection agency indicating the recent transfer of the account in question to their administration. This transfer prompts me to address these concerns anew, as the matter remains unresolved despite multiple attempts to ascertain the veracity of the alleged debt and its accompanying documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, 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:
In accordance with the fair credit Reporting act XXXXXXXX accounts : ( XXXX XXXX ), (  XXXX XXXX ) , ( XXXXXXXX XXXX XXXX XXXX ) ( XXXX XXXX ) , ( XXXX XXXX ) , ( XXXX XXXX XXXX  ) has violated my rights. 

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

15 U.S.C 1681 section 602 A : states the banking system is dependent upon fair and accurate credit reporting. 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. 

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: CA
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:
My 3rd submission was supposed for remaining fraudulent inquiries only, but that only applied to my XXXX and Equifax Credit Reports, as I see no removal whatsoever in my XXXX Credit Report, that I am a victim of identity theft and I write to the 3 Credit Bureaus to dispute the should be remaining inquiries in my file resulting from the crime. But the XXXX did not give attention to my Fraudulent Inquiry Removal Request. Again, the inquiries I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. Please remove these fraudulent inquiries, especially the inquiries still reporting in my XXXX credit report : XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions 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 appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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 2020-07-12
Company: WELLS FARGO & COMPANY
State: FL
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:
On XX/XX/2019, an inquiry was made by XXXX XXXX and Wells Fargo Dealer S that i did not authorize or recognize.

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 2020-03-09
Company: Experian Information Solutions Inc.
State: KY
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 applied for a mortgage loan and discovered that Experian has been reporting someone else 's mortgage, credit card, address, spouse, and social security information on my report. I haven't had a need to apply for new credit for several years, and my other reports ( XXXX and XXXX  ) are  completely correct -- didn't feel the need to check Experian. Wish I had. So now I'm trying to dispute the five addresses that weren't mine, the spouse that isn't mine, the two credit accounts that aren't mine, and the two SSNs that aren't mine. All the while, this is holding up my own mortgage application. I filed a dispute immediately with Experian, then went a step further to contact the mortgage lender in question to resolve the dispute as quickly as possible ( 30 days is not quick enough in a tough real estate market ). My problem is not that Experian has refused to correct the information -- that is still playing out over the next 30 days -- rather my problem is that there is material damage to my life because of an inability to obtain credit when I need it directly due to Experian 's negligent handling of my credit report. Though I have followed every rule, paid every lender on time -- essentially I have done my due diligence in being a good borrower -- I'm going to suffer and Experian has no consequences to be pro-active in making sure that every number matches, lenders also have no consequences to assure the information they transmit to the bureaus is correct -- or if there are consequences, there is no recourse for the long-suffering borrower who can't get a loan.

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 2023-11-27
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to the bank ( Truist ) on XX/XX/2023 to withdraw some money from my checking account and was told the account balance was insufficient for my request. I spoke to the branch manager and she explained that a withdrawal of {$840.00} was made on XX/XX/2023 at another bank location outside of my district. She proceeded to file a claim for reimbursement for fraudulent/unauthorized activity. I called the fraud department on XX/XX/2023 to check the status of the claim and was told my claim was denied because I did not report the fraud within 30 days of the transaction. I explained that I could not report the fraud within that time frame because I did not know the transaction had taken place until XX/XX/2023, and I filed a claim that very day. I filed an appeal and was told the appeal was denied as well. I called the fraud office again on XX/XX/2023, explained the situation and how I could not file a claim before XX/XX/2023 because I had no idea of the fraud before that date. I also requested what process was used in their investigation and was NOT provided with any futher information. I explained that if they would review the surveillance during that transaction and the forged withdrawal ticket, they would be able to see that I was not the one responsible for the transaction. I put my money in the bank for protection and for the bank to allow someone to STEAL it is just wrong.

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 2022-12-20
Company: Experian Information Solutions 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: Report provided to employer without your written authorization

Complaint:
XXXX, XXXX & EXPERIAN The 3 well Known Credit reporting companies have no proof of my written consent to post my personal information on there sites. This is a violation to my constitutional rights, I have the United States laws listed below, with the links attached that protects my right to privacy. Along with the United States law that says the credit reporting companies need proof of my written consent, Which they don't have. I Also have the United States law that states, ( A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ). I do have the Account numbers as well, before the United States laws that protect my Constitutional rights. 

Account Number : XXXX Company : XXXX XXXX XXXX XXXX XXXX Company : XXXX XXXX XXXX Account Number : XXXX Company : XXXX XXXX 15 u.s.c 1681 section 602 A. XXXX XXXX XXXXXXXX XXXX XXXX Code 1681 - Congressional findings and statement of purpose states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : law.cornell.eduhttps : XXXX XXXX U.S. Code 1681s2 - Responsibilities of furnishers of...

it also states a consumer reporting agency can not furnish a account with out my written instructions.

15 u.s.c 1681c. ( a ) ( 5 ) section law.cornell.eduhttps : //www.law.cornell.edu text15 U.S. Code 1681c - Requirements relating to information contained in...

states : no consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than 7 years 15 u. s.c 1681s-2 ( A ) ( 1 ) law.cornell.eduhttps : //www.law.cornell.edu text15 U.S. Code 1681s2 - Responsibilities of furnishers of...

A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is causing me a lot of stress and XXXX  and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief