BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-15
Company: R & B Corporation of Virginia
State: AZ
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:
XXXX XXXX AND CREDIT CONTROL CORP. 
Disputed on XX/XX/XXXX. Filled out a police report on XX/XX/XXXX. I filled out an identity theft report for XXXX XXXX. Received an email from XXXX XX/XX/XXXX stating they approved and zeroed out the collections. Would be gone by 90 days off my credit report. waited the days and contacted XXXX again on XX/XX/XXXX. Was told she was going to look into it. Never heard back. I emailed XXXX again and got a response. She sent an email of the collections saying it would be off. Emailed her back on XXXX saying that it was incorrect information on the statement she sent. Never heard back. Emailed again on XXXX stating I wanted answers. We keep going in circles. I called the collections agency and told me to contact XXXX XXXX again. I called the number provided with her email and it is a nonworking number. This is getting out of hand and I want answers!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: AES/PHEAA
State: OR
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:
Dear CFPB, I am writing to illustrate some grave concerns I have with FedLoan 's servicing of my student loan, at the directive of the Department of Education ( DOE ). On XX/XX/2019 I received a notification from FedLoan that my loan had been placed in an " Administrative Forbearance ''. There was no disclosure in the letter why the forbearance had been applied. As required by the Truth In Lending Act, there was disclosure in the letter around the compounding of interest associated with this loan being placed in forbearance. After talking to the Department of Education it seems that the forbearance was placed on my account in response to the Borrowers Defense Fund ( BDF ) which I was apparently enrolled in a year before. The representative at the Department of Education for the BDF stated to me that there are over 200,000 applications pending review and that there is no expected timeline for the review, and that the process may take years to be addressed. Furthermore, she stated that no loans had been discharged through the BDF. I would like to tell you that the placement of this Administrative Forbearance onto my account caused a cascade of repayment issues with FedLoan, as I am also enrolled in the PSLF program, so making monthly payment is imperative. Although the personal situation of my account is bothersome to me, I have greater concerns about placing interest bearing Administrative Forberances onto the accounts of already at risk borrowers. When these loans are finally reviewed by the BDF, and return to a payment status there will be years of compounded interest applied to borrower ' loan, which will likely create a whole new crisis in student loan lending. If the Department of Education would like to take years to review these loans for eligibility for discharge, or rather spend years in court trying to find ways to circumvent borrower 's relief, these loans need to be placed in a non-interest bearing status while they are under review. 
As required by TILA, there was no language in the letter around the Administrative Forbearance to name the main beneficiary of the compounded interest, which is the Department of Education, and the Federal Government. This current structure of reaping funds off the interest of student borrowers in predatory, unethical, and illegal and must be reviewed. 

Sincerely, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
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: Their investigation did not fix an error on your report

Complaint:
A few years back we entered into an agreement to have my student loans reinstated and have a payment plan. Part of our agreement was to have the late payments removed from my accounts and updated with all 3 credit reporting bureaus. This was never done despite us following through. This is now negatively impacting my credit.

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 2021-03-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XXXX i sent dispute letter to Wells Fargo concerning account # XXXX about the method of verification they used to determine the accuracy of this account. They failed to respond to my disputes and it has been over 30 days which is a FCRA violation.As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense.

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 2021-11-04
Company: DISCOVER BANK
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX mailed me a Judgement For Plaintiff notice on behalf of Discover credit card. XXXX XXXX XXXX claims I was served a summons on XX/XX/21. I was never served a summons. Total amount payable to plaintiff is {$9.00}, XXXX, according to this default judgement. I was never notified of a court date. XXXX XXXX XXXX claims the complaint was filed on XX/XX/21, and a copy of the complaint and summons were served to me, XXXX XXXX, on XX/XX/21 " as appears from the officer 's return. '' I was never served.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Transunion credit reporting agency continues to furnish Previously Disputed US Department of Education accounts # s XXXX & XXXX Account is horribly inaccurate and unvalidated. Accounts are not open or being paid

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 2021-03-17
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2021 I had the sum of XXXX sent to my paypal account, immediately the money dropped into my paypal account, paypal threw my account to account limitation, then i called and explained the transaction and i was told that the limitation will be lifted with 24hrs to 72hours. 

I have made 5 calls to the very rude and inhospitable customer service representatives and i was assured that the limitation will be lifted. To my amazement on XX/XX/2021 the account was permanently closed with my funds in it, then i was told i can not claim my money for 180days! without any form of empathy! 
I even explained an emergency i had, but they were not concerned. 


I was asked to produce my passport, bankstatements etc, i provided all, but the bullies told me they have a right to close my account unjustly! 

There is XXXX transaction which i remembered is a survey platform that helps me earn money when i answer questions, they claimed it was fraudulent transfers. 
( see attached ) Kindly use your good office to claim back my money for me please, i am in dare need of it. 

I have provided them my International passport, my bank statement and all they required and i am ready to provide whatever they need, i do not engage in any fraudulent activity. 

I am amazed that a lot of people were disappointed that i use paypal, i never knew that paypal has made a very bad image of themselves in the public, i have had nighmares this few days as i am shocked that we have extremely wicked and unempathic customer service or limitation team in existence in this 21st century, this may affect paypals going concern in the future. 
Find below the history of my qmee transaction history. 

I am a fraud investigator by profession and i know you should know that when you suspect a fraudulent activity, you ask for evidence to be sent not rudely close your customers account with the hard earned money, will you be happy to have your own money locked up for 6months? how evil! 
Please you have frustrated me enough, and caused me sleepless nights, do not punish me unjustly, i need that funds as its for an emergency in this covid period. 

see attachment and if you need more evidences let me know, i am ready to provide it. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Synovus Bank
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
FSTPROGRESS 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 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 other adverse item of information, other than records of convictions of crimes which antedates 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I always keep my funds in my savings, n transfer when I'm ready to spend or pay a bill. I recheck to see if the funds were actually gone from my checking so I know my purchase or bill was payed. Every now and then for the last couple years I have noticed negative charges in my checking account, and the Representatives At Wells Fargo that I have spoken with told me that it was a pending transactions, when the funds were no longer there to see in my mobile app. To avoid XXXX dollar fees per transaction I put my funds over to cover charges I never Made. Some charges were over {$100.00}. I am told to gather information myself. It happened too many times to remember specific dates. I informed them today as well.

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 2021-03-17
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:
I contacted Equifax 60 days ago by certified mail and have not received a response. I have an account on my credit report that is inaccurate and a deformation of my character because I paid this account in full before it was sent to a collection agency and before it was on my credit report. I sent the collection agency proof that was provided to me by the original creditor that I dont OWE ANY MONEY and have not received a response. And I am trying to utilize my credit to purchase a home and this INACCURATE account is holding me back. I also attached the proof that I dont owe a balance with deacon station and this was signed by the general manager. 

Account : XXXX XXXX XXXX XXXX Account Number : # # # # # XXXX Date Assigned : XX/XX/2019 Amount Owed : {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have closed XXXX XXXX XXXX with Ally Bank ( XXXX XXXX  ) for the amount of {$98000.00} each plus interest on XX/XX/2023 with this bank which I had an external checking accounts stablished for years ( XXXX XXXX XXXX ) After closing directed the Bank to transfer the fund to my established act at XXXX they informed me that will take XXXX bossiness days that was odd because other transfer between accounts usually is couple of days but anyway I never received the funds within XXXX business days so after many calls they informed me that they sent the funds to a wrong accounts and that takes XXXX business days to get it back and another XXXX business I will get our money I need the money for my XXXX I am a senior and afraid that they are playing game is there anyway your agency can get involve and assure that we receive our retirement funds. 
Truly appreciate your efforts, Regards 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 2022-07-27
Company: EQUIFAX, INC.
State: AZ
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:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX EMPLOYER : SELFEMPLOYED Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
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:
This letter that was submitted to the credit bureau shows it was a paid-for deletion account, and they are unwilling to delete the account from the credit report. XXXX has removed the account, but Experian and XXXX failed to comply

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 2023-04-18
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded. I expect the immediate deletion of these accounts. I won't wait another 50 days.

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 2020-05-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was reviewing my credit report and noticed it contained a lot of errors pertaining to my Personal Information. I am requesting that you promptly update and delete the following unknown accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX. Please see the attached copy of my Driving Licenses and Social Security Card for your reference. For the record I have lived in the same residence for over 3 years. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is inaccurate. I am requesting the verification of the metioned accounts above, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Please delete/remove the following unverified accounts :

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 2023-09-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2022-07-28
Company: Experian Information Solutions Inc.
State: CT
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 this XXXX XXXX have been disputed numerous times with EXPERIAN and yet now still here we are over 105 days later it's still showing up on my Credit Report under a name XXXX XXXX which is also on my Credit Report! I've told them numerous times to REMOVE THEM BOTH filed numerous disputes and EXPERIAN ignored them! Who has a dispute investigation for over 3 months which they have on RECORD that I disputed them! By law it's only supposed to be 30 days but yet it's still there like if my life and family life is a joke. I'm also suing them and took legal actions against them for this it doesn't make sense so maybe they'll understand now. Please have them remove it immediately, they want me to wait another 45 days when I've waited over 105 days. XXXX got my score at XXXX OUTSTANDING

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 2021-03-17
Company: DISCOVER BANK
State: FL
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:
THE CREDIT CARD COMPANY DICOVER CARD, IS CHARGING ME FOR AN AIR TICKET, THAT THE AIRLINE CANCELED, I HAVE SENT YOU PROOF THAT IT DOES NOT ACCEPT ANY VOUCHER, SEND YOU A NOTIFICATION FROM THE XXXX XXXXXXXX XXXX WHERE IT SAYS THAT A TICKET TICKET SAYS US, DIRECTLY WITH THE AIRLINE, I HAVE THE RIGHT TO A FULL REFUND AND THEY DO NOT WANT TO DO THAT ALSO THEY WANT TO REPORT ME LATE PAYMENTS FROM THE CARD BECAUSE I HAVE NOT MADE ANY PAYMENT CORRESPONDING TO THAT TICKET THAT WAS CANCELED

Company response to consumer: Closed with explanation