BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-17
Company: Experian Information Solutions Inc.
State: VA
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 following inquires has been fraudulently and unauthorized placed on my credit file, I'm asking that they be removed. 

( 1 ) XXXX XXXX ( XXXXXXXX ) ( 2 ) XXXX XXXX XXXX XXXX ) ( 3 ) XXXX XXXX ( XXXXXXXX  ) ( 4 ) XXXX XXXX ( XXXXXXXX ) ( 5 ) XXXX ( XXXXXXXX  )

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 2019-03-09
Company: AES/PHEAA
State: DC
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 am ( at least attempting ) to be part of the public service loan forgiveness program. 

Because my employer helps me with my payment due each month, I have multiple payments each month that come in at different times to satisfy my monthly balance. Due to this scattered payment, I have tried multiple times to get guidance on what payments count in order to ensure my total payments are qualifying each month and I am not making excess payments that dont count towards forgiveness. 

The only regulatory requirement about the timing of the 120 payments is that they not be made later than 15 days past the due date, but I have been told that some of my bill satisfying payments may not be qualifying because they were made too early. I have been told completely inconsistent policies regarding early payments by different representatives and every time I ask for a written policy so that I can fully understand and ensure I am complying with it, I am told no written policy exists. 

After my number of qualifying payments reported by the XXXX XXXX  was far lower than the number I believed I had made, I promptly sought clarification. I was told the only way to review this was to make a formal request for a review of payments and wait for the company to complete a unilateral review that would take an entire year. This review would not provide any transparency or allow me to have a discussion with a human doing a review, all while 12 months of potentially qualifying payments pass while I am potentially still not making qualifying payments despite satisfying every bill because no one can provide me with a clear understanding of what the early paying policy for a monthly bill actually is. 

This lack of transparency and failure to communicate requirements that end up disqualifying payments that public service workers are diligently making on their monthly bills completely defeats the purpose of this program and discourages program participation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ChexSystems. 

Please see attached. 

Daily I try and log in my ChexSystems and daily I get the attached message " Your request could not be processed because of a technical issue. Please try again later or contact ChexSystems at XXXX. '' I call this number, speak to a barely English speaking representative, and no one can help me. 

Excuse after excuse. 

I need access to my online account. 

Fix all these errors so I can. 

This is unacceptable as its my right to have access to my own file.

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 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft 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 2019-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please reverse the late payments reported on the following accounts : XXXX/XXXX XXXX ; XXXX/XXXX XXXX ; XXXX   XXXX XXXX  XXXX ; XXXX/XXXX XXXX ; account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-06-17
Company: Experian Information Solutions Inc.
State: RI
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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft UNIVERSITY OF XXXX IS 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 2019-06-17
Company: EQUIFAX, INC.
State: MO
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:
These accounts are not mines, not sure if they are mixed up with someone with a close name or just an clerical mistake ..but please remove these accounts immediately. 

1 ) XXXX XXXX {$1000.00} 2 ) XXXX  XXXX  XXXX {$83.00} 3 ) XXXX XXXX 4 ) XXXX/ XXXX  5 ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: CITIBANK, N.A.
State: CO
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 travelled to XXXX for my Meetings on XX/XX/XXXX- XX/XX/XXXX. 
-I have Citi bank credit card & it can be used internationally without any fees. This is the reason I got this card. 
-XX/XX/XXXX I reported ~2 unknown activities from merchant XXXX XXXX XXXX  which happened within seconds ( saw it online transactions at my phone ) for {$1100.00} & {$750.00} amount. 
Immediately checked my wallet & card was in wallet in my hotel room. ( I was leaving my wallet in my hotel room during bath, gym etc. ) - called the bank & Card was immediately closed & I opened the dispute. 
-XX/XX/XXXX Citi bank reported that they will not consider this as fraud because card is not stolen. ( why would I say its stolen if its in hotel room? ) -I asked if bank/they reached out to merchant & find what was bought but I believe they failed to do so because they simple considering this transaction is valid. 

I strongly believe that its a standard process where when large amounts get transacted from a card within seconds, bank get alerted & block the transactions & alert. 

Bank didnt alert me & stated that because I was traveling, they didnt alert me & it was a registered trip. Does this mean bank lets the fraud happen? & how about 2 transaction continuously happened at same place, same merchant, big amounts, somewhere in XXXX & bank dont care? 

Also I believe banks didnt investigate properly & just because card was with me they got a reason to cancel the dispute. Anyone could have took the card & swipe away. I guess its not hard to keep a card swiping/reader machine with you if you are a fraud? 

-did they find who was the merchant? 
-what was purchased? 
-who they reached out to find out if its correct? 

What is the point of 0 % liability & protection from bank if they deny this kind of fraud. 

Please help resolve this.

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 2021-11-03
Company: Experian Information Solutions Inc.
State: IL
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:
It has been 30days and I have not received a response from credit bureau about items I have reported that are not mine please remove items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This occurred on XX/XX/XXXX for the amount of {$48.00}. 

I submitted the payment through the automated service but didn't receive a confirmation number, I am now being advised that the payment has been marked late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: ENCORE CAPITAL GROUP INC.
State: IL
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:
On XX/XX/XXXX, I submitted, via XXXX certified mail with tracking number XXXX, my request for Capital One to provide me with a XXXX for Capital One Bank credit card number XXXX that Capital One charged off on or about XX/XX/XXXX. In a letter dated XX/XX/XXXX, Capital One responded by discussing the furnishing of information to the credit bureaus. That was clearly NOT the purpose of my XX/XX/XXXX, communication. Capital One refused to address my request for the XXXX On XX/XX/XXXX, I submitted a SECOND REQUEST, via XXXX certified mail with tracking number XXXX, for Capital One to provide me with a XXXX for the charged-off account for tax year XXXX. As of the submission of this CFPB complaint, Capital One has not provided me with a XXXX as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX credit card company is inaccurately reporting payment date. I began a dispute with XXXX on this account but I noticed something today that was left out. The original account has incorrectly listed a payment date. I can only guess that this is a purposeful made with the intent to extend the date of expiration. I have never made any payment to this bogus account and I would like the company to be held liable for this dishonest business practice. It has been inactive since XX/XX/XXXX not XX/XX/XXXX. One phone call to the creditor will verify this. I would also like XXXX to be made aware of this and I can not notify them when there is an open dispute

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 2023-08-27
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I sent out a letter out on XX/XX/2023 to transunion with my identity theft letter. Here my tracking number XXXX. They credit bureau failed to investigate my investigation back. This not make sense According to the law 15 U.S 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On approximately XX/XX/2019, I received a mail offer from USAA for a pre-approved credit card offer. The offer stated I was " Pre-Selected '' for the USAA Rate Advantage Visa Platinum credit card. The offer had a fixed expiration date and contained the mandatory, legally required, Pre-screen and Opt-Out notice. I also verified that USAA obtained a soft-inquiry copy of my credit bureau report prior to making the pre-screen offer. This offer was a legal, firm offer of credit. 

On XX/XX/XXXX, I also noticed the same pre-screen offer in the " My Offers '' section of my USAA eBanking portal. I already have credit card products with USAA and have had them for many years. 

On XX/XX/XXXX, I submitted my online application for the pre-screened offer and my application was immediately declined. During the application process, USAA obtained a copy of my credit bureau file from XXXX. USAA informed me in writing of their decision and the only reason stated was " Maximum credit limit reached. '' USAA knew perfectly well what my credit limits were with them prior to my application and, in fact, prior to extending the pre-screened, firm offer of credit. Worst case scenario is they knew my credit limits with them upon accessing my credit bureau report used to determine my qualifications for their firm offer of credit. Further, it is not my responsibility to know whether my current credit limits put me at their maximum exposure or not. 

Knowing I was unqualified for their firm offer of credit, they should, at a minuimum, never pulled a hard copy of my credit bureau file after I applied.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I have a consolidated loan it is now with Nelnet. Half of my loans were discharged quickly with aidvantage. However, Nelnet still has not discharged the rest Through XXXX vs. XXXX. I had spoken with the person whos over my borrowers defense application. I was informed that nelnet would be notified to discharge the remaining balance of the loan. It's a year later and nelnet still hasn't discharged the remaining balance. I'm aware that discharges have been taking place yet i still have loans. I'm tired of playing this game between nelnet, borrowers defense and fed aid. I need the remaining portion discharged as promised. I'm sick and tired of being sick and tired.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Trident Asset Management, L.L.C.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
You are claiming I have an account with you or I owe you something. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with you. Also, because you are a 3rd party collector, you have no permission to furnish any information on my credit report in the first place. The law states that before you collect any information about me, you have to get my authorization to access my credit report for any reason. You didnt do that first, and theres no way I would ever give a slimy collection company permission to slander me on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: Pacific Home Loans, Inc
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2018, and at least quarterly for the last two years, Pacific Home Loans Inc. will mail official looking documents that allude to being a part of the Department of Veterans ' Affairs or the recipient 's home state ( in my case, the State of Washington DSHS ). It claims to consolidate debt under a refinanced home loan. There is letterhead made to appear as either the State of Washington or the VA along with official looking Service Member ID numbers, reference IDs, and information about your current loan and lender. The company soliciting the refinanced loan is only mentioned in small print in obscure locations of the letter. There will be a unique web URL created in the letter and a phone number that is only referenced as a " VA Loan Specialist. '' This is a predatory loan company with no official ties to the VA or state government. Requests to be removed from mailing lists have been made by phone, email and USPS letter. None of the requests have been fulfilled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received correspondence from a company named XXXX XXXX XXXX  ( XXXX  ) about a {$650.00} debt on XX/XX/2020. XXXX  stated in their correspondence that they had acquired the debt from LVNV Funding and that I had 30 days to dispute. I sent XXXX  a letter on XX/XX/2020 and asked for debt validation within accordance of the FCRA & the FDCPA. XXXX  sent me correspondence containing what they had acquired from LVNV Funding on XX/XX/2020 and stated that is all that they had received. I wrote LVNV Funding on XX/XX/2020 and XX/XX/2020 asking for documentation of debt validation and that they indeed even own this alleged debt that they are reporting onto my credit report. They have yet to respond to my requests. XXXX  has not responded to my request for proper debt validation either that was dated for XX/XX/2020. 

LVNV has not verified or validated anything within accordance of the law and they keep updating my credit report monthly. Secondly, on my correspondence from XXXX, LVNV was named as the Original Creditor. I didn't know that collection agencies can be XXXX 's. 

Please look into this matter because neither company has replied in a timely manner to my request yet my credit report was updated from LVNV Funding on XX/XX/2020, 5 days after the 30 day response time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: NC
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:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX with XXXX, -XXXX  XXXX XXXX- called and left a message at my place of employment, which I am not working at right now as I am on XXXX. He lied to an employee of the company saying that the call was regarding an " application ''. When I returned the call to him to find out what it was regarding, he then stated that It was a collection account. He threatened to serve me legal papers at work. I stated a couple of times that I was on XXXX and not working, and he asked " what does that have to do with it? '' He was rude, condescending and a bit harassing. Also, he stated the address that they have sent information to, to which I responded was not my address. I told him my mailing address and he responded that they needed my physical address. I told him that I wasn't giving them my physical address and that they needed to send information to my XXXX XXXX , which is when he threatened to have papers served to me at work.

Company response to consumer: Closed with explanation