BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-02
Company: AES/PHEAA
State: NY
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 am writing so the state of my case can be documented appropriately. For approximately 6 months, I have been having ongoing and unresolved issues in my account. Initially, I did not submit by re-certification form for the 501c3 I work for, which caused by payment to go up from its former {$250.00} to {$400.00} in I believe XXXX XXXX. I paid on of these months as I was told my payments would be rectified once the form was approved. Since that time, I have experienced nothing by problems in my account, which are not only unsolved, but are getting worse. 
Upon seeing I was billed the same amount again, I contacted FedLoans and have received the following advise from different people : 1. Go into my account and pick a cheaper repay amount ( not possible ) 2. They'll put me into forebearance ( Never did ) 3. In XXXX, call back again, and they tell me they'll bill me {$5.00} and I'll go into forebearance ( also never happens ) 4. I call back yet again in late XX/XX/XXXX, and am billed the {$5.00} and pay it. During this phone call I was told that not only were by bills still {$450.00} some odd, but my XXXX bill is {$800.00}. This left me crying on the phone to an agent who told me that my account is one of the worst and messiest she'd ever seen. She was the only person who was ever significantly helpful to me, and the only person who got a manger to confirm that her advise was correct. 
If you still review my account, you will see that I was on direct pay, and consistently paid by {$250.00} every month. I also paid the one off {$400.00} as that was my responsibility. Since that time, FedLoan has given my tons on conflicting information and has even made my account worse. It is my goal, and has been my goal for months to get my account back to the {$250.00} payments. 
It is my current information that the {$5.00} payment will put me in forebearance, which will bring my account current, and I will then be able to get my {$250.00} payments reestablished. This has been an anxiety ridden experience for me. 
I then e-mailed XX/XX/XXXX to confirm that my forebearance is in the process, it will bring my account current to {$0.00}, and I will be free to change my payment plan and resume my {$250.00} payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct 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 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither 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.

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 2022-05-23
Company: Experian Information Solutions 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:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2021-05-10
Company: JPMORGAN CHASE & CO.
State: VA
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 pulled credit on myself I noticed a credit card acct with Chase ending on XXXX that has a balance of {$23000.00} on my credit report thus lowering my Beacon score. I am an authorized user on my Dad 's credit card acct and that is what this is, but I am not liable for this balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-13
Company: WorldRemit Corp.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I initiated a transaction for {$1000.00} with the reference number XXXX to WORLDREMIT. The recipient ( XXXX XXXX ) till date have not received the payment. 
I had called several times and was provided the reference number XXXX. 
They requested the recipient of money send his account statement to you from XX/XX/XXXX till XX/XX/XXXX. ( Which was sent to them ). But action was not taken. I have called several time with the minimum wait of 2 hours and customer service is telling me they will investigate and get back to me within 24 hours which they never did and I will call again and wait for two hour and will get the same response. I have a recorded evidence of all my communication with customer care. I also have email correspondence with World Remit. I will be more than happy to share this evidences.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, 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:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is 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 non-monetary relief
Consumer complaint received 2022-05-23
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:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04
Company: Kikoff Inc.
State: TX
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:
date XX/XX/2021 I was the victim of identity theft. Someone opened up a credit account at Kickoff lending llc in my name. The reason Kikoff lending llc should be punished and looked at is due to the fact that I have and have had for some time a fraud alert on my credit report with all 3 credit bureaus currently. I also have a security freeze on all 3 credit reports at XXXX, XXXX  and XXXX XXXX. Kikoff lending llc NEVER attempted to verify my identity before they let someone open an account in my name. My fraud alert clearly states that a lender must verify my identity at the phone number listed before any accounts can be opened. Also, if you look on their website at Kikoff.com under support center then credit score then article on does a security freeze affect Kikoffs ability to report payments or open new accounts? No, a security freeze does not impact our ability to report payments or open new accounts. If a customer has a security freeze on their credit, we will still report their kikoff payments. this is inuriating that they let someone open up an account in my name without verifying my identity even with a fraud alert and security freeze on all 3 of my credit reports.

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 2023-08-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Select Portfolio Servicing is my Mortgage company and they have taken home insurance out on my home. They have added the insurance payment to my mortgage payments for each month. I recently file bankruptcy and will be paying the insurance payment back to my mortgage company for the insurance they have taken out on my home. I recently have had major roof damage from storms and hail which have caused my roof to leak in several areas in my home. So, I needed to take a claim out and did so and had a claim specialist come out and look at the damage. I received a claim check from the insurance company, and it has my name and my mortgage company name on the check. My mortgage company is refusing to send the check back to me so I can pay a contractor to fix my roof damage and the inside my house ceiling where it leaks. They want to send me a quarter of the money for me to pay my contractor. I can not pay my contractor a quarter of the money because my contractor will only do all the work at one time and will not only do partially of the roof work. So, I am stuck with a damage roof and my ceiling leaking and can not get it fix because my mortgage company is refusing to send me all the claim check back to me. I have recorded conversation with my mortgage company that by law I made sure they knew I was recorded our conversation on several different conversation with different agents telling me to send them the check and they would endorse it and send it back to me. And I have other recorded conversation with agents telling me different stories about what I need to do with the claim check. And I'm also trying to get my own home insurance on my home, so I don't have to pay my mortgage company to take insurance out on my home. But no insurance company will give me insurance with a damage roof until I replace my roof damage. And now my mortgage company is taking their own insurance out on me again and adding the payments to my mortgage payments every month causing my monthly payments to go up on me. I will be more than happy to send the recorded conversation to the CFPB if needed. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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: Their investigation did not fix an error on your report

Complaint:
*See attached Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Because PayPal had to honor their Buyer Protection Program and they are refusing to give us working XXXX XXXX as they did in the past, it would appear that now they feel that THEY ARE ENTITLED to SHUT OUR BUSINESS DOWN without any explanation whatsoever. This complaint is to add to the contemporaneous record. Please see the screen video that I have attached. 

***Since this is a matter that may involve discrimination all communications should be in writing at the address listed on this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Incomm Holdings Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I am trying to close the account as the expiration date is nearing ( XX/XX/2022 ) and the webiste for the company and the phone numbers offered do not show an active account, however there are still funds on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 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 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 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 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, this complaint is not made in error neither 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. 

XXXX XXXX ( Original Creditor : 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 2021-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Ive had a Capital One credit account for over a decade. I lost my wallet in XXXX  and when I called them to get a replacement card, they said I had to pay my balance off in full since my card was restricted. So it took me two years but I finally did it. I called them to please unlock my card and give me a replacement and they told me I am permanently restricted on this account so all I can do is apply for a new card. Why would they put me through that if I was never to get my account back? My balance is completely at XXXX and had I know I am being told this can never be reopened I would have let the account just go to collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have recently disputed this that with XXXX XXXX and I received a response from their company stating that they will notify all three credit bureaus for deletion of this account on XXXX XXXX 2019. As of today XX/XX/XXXX I contacted your company for an update and this account has not been removed. I am attaching proof of request for deletion letter from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
There is an old outdated account that is past the statute and unverifiable and still remains on my credit file. I have disputed this several times with nothing back. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a BBVA Compass Clear Choice Checking with a promotional bonus of {$200.00}. The terms state that in order to receive {$200.00}, you must open a Compass Clear Choice Checking before XXXX XXXX, XXXX and after openeing the account, make an electronic deposit from an unrelated 3rd party of at least {$300.00} into the account within 60 days of account opening. The bonus should post within 60 days. 

I qualified for the terms on XXXX/XXXX/XXXX with an electronic deposit of {$300.00} on XXXX/XXXX/XXXX and I have yet to see the bonus post to my account. After reaching out to BBVA compass they have been unhelpful and are unwillilng to solve the issue per the terms of the promotion. 

Timeline : Account Opening Date : XXXX/XXXX/XXXX Electronic Deposit {$300.00} : XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
As a consumer affected by XXXX XXXX covered major disaster period that is still ongoing, I have recently become aware that my consumer rights have been violated on several occasions. According to XXXX XXXX Sec XXXX, no person XXXX furnish any adverse item of information ( except information related to a felony criminal conviction ) relating to a consumer that was the result of any action or inaction that occurred during a covered period. Sec. XXXX also restricts collections on consumer debt during a national disaster or emergency. Debt collector means a creditor and any other person or entity that engages in the collection of debt, including the Federal Government and a XXXX government, irrespective of whether the applicable debt is allegedly owed to or assigned to such creditor, person or entity. Discover Bank has closed my credit card account, furnished adverse information to my credit file and also caused me to lose other credit opportunities by damaging my credit score/financial reputation. The president has not declared the XXXX XXXX to be over therefore this is still in effect. Discover Bank is noncompliance with federal law and has willingly and intentionally harmed me. I demand all adverse information to be removed from my credit file immediately, for my account to be reopened and a new card sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SLS is not giving me a modification. The loan number is XXXX I was told by SLS that I could make a single payment 2 months ago. Then, in the following week, SLS told me that the loan had been sent to foreclosure attorney, just a week later. 

I am a XXXX XXXX XXXX Veteran, and I have long XXXX ( see XXXX XXXX XXXX at the XXXX XXXX XXXX, XXXX XXXX ). 

Time is of the essence to stop SLS from foreclosing. 

They said they sent this to foreclosure attorney on XXXX XXXX. I learned that a Notice of Default was filed on XXXX XXXX. This is unjust, inappropriate, and must be stopped by Federal regulators.

Company response to consumer: Closed with explanation