BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-04
Company: AES/PHEAA
State: UT
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 requested forgiveness under the Public Service Loan Forgiveness waiver. For six years I worked for the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I provided my XXXX form that verifies my employment for those years and it has been denied as evidence of my work as a civilian. This is the official form the Department of Defense uses to document federal service. 

The Fed Loan Servicing said they require the PSLF form to be signed. The XXXX XXXX XXXX XXXXXXXX XXXX who should sign this verification does not have a way for former XXXX civilians to contact them ( your account is discontinued when you separate from civil service and there is no phone number or email to contact ). 

The human resources at the office I worked for provided a letter to verify employment but FedLoan Servicing will not accept that. They did say they would accept signature from my former direct supervisor but he is dead. 

The other thing they said they would accept is W2s, but I am missing my W2 for 2009 and the IRS will not provide a tax transcript for that long ago. 

In addition, the rejection of my application sited the wrong reason for rejection. If I had not called and asked, I would have provided the wrong information and not addressed the actual reason for the rejection of my application. 

In addition the FedLoan Servicing said they requested that my loans be transferred from my current loan servicer, XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX claims they have not received the request and claims they have no way to verify. So the two servicers are providing contradictory information and will not talk to each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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, 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.

ACTION TAKEN - Sent Certified letters for past 3 years since XXXX, XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX, Contacted all 3 credit bureaus to file investigations to have removed. 
XXXX XXXX XXXX XXXX Past Due Amt : {$1500.00} - Orig Charge Off Amt : {$1700.00} Date Opened : XX/XX/XXXX ACTION TAKEN : Several attempts made to Remove debt due disability insurance on account. 

XXXX Business & Dates Requested : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX- XXXXXXXX XXXX  XXXX XXXX ( XXXX ) XXXX Account Type : Individual Auto Account Status : Date Opened : XX/XX/XXXX Date Last Reported : XX/XX/XXXX Amt : {$11000.00} High Balance : {$20000.00} 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 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2022 I reviewed my credit report and noticed information that was incorrect with 2 of my accounts. According to XXXX, XXXX and TransUnion I was late on these accounts, which is completely false, as I have already verified this information with the creditors. I proceeded with sending XXXX, XXXX and TransUnion dispute letters outlining what was incorrect on my file. 

TransUnion sent me a response to my dispute on XX/XX/2022 stating they did not understand the nature of my dispute, which I think is a stall tactic and violation of the FCRA, because I was very clear that I was disputing the status of my accounts, reflecting incorrect payment history. 

I have yet to receive a response from XXXX on their investigation results and it has now been over 30 days since I sent in my dispute letter. 

XXXX, XXXX and TransUnion are both in direct violation of US Code 1681a Paragraph 2, which states " Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ''.

And according to the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j the creditor must provide me with PROOF that I was indeed late but they CAN NOT! 

As an XXXX XXXX it is already hard to navigate the stigma within this country 's financial institutions and having erroneous information reporting on my credit profile just makes it so much difficult for me to be a able to provide a better quality of life for my family. 

Please help me correct this erroneous information!!!

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 2023-01-12
Company: Experian Information Solutions 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:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 non-monetary relief
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
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 non-monetary relief
Consumer complaint received 2022-11-30
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  Account # XXXX, XXXX 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information other than records of convictions of crimes which antedated the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 2023-04-27
Company: JPMORGAN CHASE & CO.
State: NY
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:
I returned something on Amazon but somehow along the way, Amazon didnt scan my package into their returns even though it was scanned and delivered on XX/XX/04. I reached out to Amazon and they kept telling me to wait 30 days, then it got pushed out to 60 days, then finally at 90 days they said they couldnt help. I have the XXXX tracking number saying that it was returned and I have the initial update that Amazon knew that the return was coming. I reached out to Chase multiple times since XXXX and they kept taking Amazons claim that they needed proof of the time being returned. How can I get proof if I dont work at the warehouse?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-24
Company: United National Services
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Account under XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Currently I'm having problems with premier credit card. For long period of time I've been trying to lower down my internet with this company. So I can pay them off finally. I noticed most of my payments is just basically going to interest and bailing nothing is going to principal. I tried to negotiate a monthly payment that I could afford that will allow me to pay off this credit card faster. However I'm denied each time. I currently hold two credit cards with this company.. which I would like to merge into. And just make one payment and pay them off. 

I try to see many ways with this credit card company, to work more out with a payment plan and lower it down the rates in order for me to pay this off. Only this company will not work with me. However, they keep increasing the minimum monthly payments that is causing me problems to keep up. Knowing I can not really afford that. Which is causing me financial problems in the long run. I need this credit card company to work with me on both of my credit cards with them. 

With the interest rates being so completely high it's making it impossible for me to keep up.. it's causing me problems financially..

Company response to consumer: Untimely response
Consumer complaint received 2021-12-25
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: Problem with personal statement of dispute

Complaint:
Since XXXX of 2021 I have been receiving numerous phone calls from a company called XXXX XXXX XXXX XXXX XXXX stating that they have been hired by a company called XXXX XXXX and that I owe a debt that needs to be paid. 

I have asked numerous times for the Experain, XXXX XXXX XXXX XXXX XXXX XXXX XXXX to provide me with proof that I am the person they say owes this debt with my signed signature pertaining to the matter. 

XXXX, XXXX XXXX XXXX continuously calls me and asks me for my attorney 's name and number and I don't know why. And they can't prove they have a contact with me.This account started out with a balance owed of around {$5000.00} and now I am receiving letters in the mail that the balance is now {$15000.00}. I am terrified and troubled with the financial stress and harassment they have added to my life. 

I have sent letters to all parties involved within the last 60 Days asking that this information be verified with me and I haven't received verification yet. This account needs to be removed 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 2023-08-14
Company: EQUIFAX, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent out an FTC report along with a dispute letter regarding an account on my credit report for XXXX XXXX XXXX XXXX for {$130.00} that I have no knowledge of. On XX/XX/XXXX I received a letter stating the information sent does not match my report which were my identity documents that I sent in my social security card and Driver license. Which I cant understand how if it does not match how is it being reported to my credit report which my social is connected!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was able to go into my XXXX and transunion credit report when I first signed up less than 30 days ago. Now when I attempt to log in i keep getting an error message that my info is incorrect, which I know could not be correct because I saved my log in to my pc. After calling several numbers ( because Im locked out now ) I finally got someone on the phone that said they dont know what the problem is and could not help me. They told me to call me and hung up on me.

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 2020-01-11
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In addition to Numerous calls i received etc there was a notice taped to the front door of my home this morning that demands i contact Nationstar mortgage dba Mr cooper immediately. No return address from whom came onto my property and attached a notice to my door and it was brought to my attention by a neighbor who thought it was a summons to court. Im frustrated with this cause i have been in constant contact with this company since inception and it really appears that they are maliciously attacking me. I have a gross income of XXXX when i applied initially for the fourth attempt at a modification now i make even more income and i stull cant afford to pay them back????? During modification I told them that the XXXX of child support wasn't being paid and that XXXX in utilities is subsidized from the church etc so I've ALWAYS have had more than reasonable enough income to pay them responsibly but its always a different tactic and i didn't appreciate this notice from a person or company that wont identify themselves but now how to get in contact with me and leave threatening propaganda from their boss. I want to know why they got a unknown third party to put something on my door they already assigned my information to their attorney referral service so to go to this unscrupulous third party is unfathomable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I never asked XXXX, XXXX or Equifax to place a fraud alert or extended fraud alert. Im not sure why they are taking it upon themselves to put an alert on my credit file. I recently purchased a credit lock and unlock protection plan. There is no need for any type of fraud alerts or alerts to be added to my credit file. These alerts were added without my consent and I want them removed immediately. According to the Fair Credit Reporting Act, I have to request to have alerts added and I did request and alerts were added with my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I moved out of XXXX XXXX XXXX  XXXX in XXXX of 2019. In XXXX of 2019, I received a bill for damages for {$100.00}. I was not aware of any damages, so I asked them to provide proof of the damages and I would happily pay them. XXXX XXXX XXXX  XXXX informed me that they could NOT prove there were any damages and couldn't provide any proof of damages. I asked them to withdraw their request for payment due to it being fraudulent and false, and they refused, even though there are NO damages. They then sent me to collections ( Fair Collections and Outsourcing ) who then reported me to all three credit bureaus and severely damaged my credit. Attempts to contact and explain the situation to Fair  Collections and Outsourcing were met with a repeated response of " pay or we will damage your credit further ''.

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 2023-04-27
Company: MARINER FINANCE, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I was in the hospital and unable to communicate with the lender at that time. Once I came around and actually got possession of my phone I sent my son with my debit card and a note to make the payment for me. I did this on Monday XX/XX/2023. They refused to take the payment because I now owed more than one. I was able to get a call through to XXXX @ XXXX and explained to her that I had been in the hospital since XX/XX/XXXX and that all I had the ability to pay was the one payment, which she took over the phone. I also asked that the phone calls to my place of employment cease because we are not allowed to receive any type of personal, debt collection calls etc.. at work. ( This was also stated in the note my son had from me that they refused to accept. ) 15 U.S. Code 1692c - Communication in connection with debt collection states that : Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 
I was notified by my supervisor yesterday on XX/XX/2023 that they called my office 3 times and I was again counseled that I can not receive these calls at work. I feel that they are purposely causing me more distress and possible loss of employment. I am doing all I can to get better and caught up on my payments but I do not need the added stress of possibly losing my job because they continue to call my place of employment.

Company response to consumer: Closed with explanation