BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-16
Company: AES/PHEAA
State: MO
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 in the PSLF program. FedLoan is saying certain payments I made are ineligible & theyve been reviewing the first 3 yrs of my payments in the program for at least 5 months. I called XX/XX/XXXX to investigate & was told my payments were being reviewed. I called XX/XX/XXXX & was told the problem w/my payments was that the loan company that my first XXXX yrs worth of payments were with, had gone out of business. I was told to upload bills showing payments made & I did. Also, there was a XXXX month period of payments that were deemed ineligible. Upon investigation of that, I was told an administrative forbearance was put on my account for 2 months & then a general forbearance for XXXX months. I DID NOT ask for any forbearance - my payments were based on income & per that they were {$0.00} payments! Why would I have to put a forbearance on something that was already {$0.00}! They requested bills showing I was in repayment for that time period, as well, & I uploaded that paperwork too. I called AGAIN after sending several emails, & was told there was nothing I could do but wait. The representative on the phone did say that she would email someone higher up than her & see if that would help. My forgiveness shouldve been the easiest process. I was in the correct payment plan, I worked the same job for the entire time period so no issues w/employer that didnt qualify & I certified my income annually. I did everything by the book! I NOW have over {$100000.00} in student loan debt due to interest! Please help before FedLoans contract expires, my loans are transferred & the chance of something else happening increasing!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03
Company: JPMORGAN CHASE & CO.
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 filed a billing dispute with JP Morgan Chase on a Visa for a charge for a hotel room in which bed bugs were discovered. JP Morgan Chase refused to file a charge back with Visa  even though I have supporting documentation about the bed bugs and a dispute right in accordance with Visa rules and regualtions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Penn Credit Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This a company called Penn credit corp they are saying I owed the city of XXXX XXXX and I have never lived in XXXX  I tried disputing it with XXXX  and they say the debt is valid somebody had used my info I didn't even know about in XX/XX/XXXX I lived in XXXX XXXX in XX/XX/XXXX in XXXX XXXX the address I lived at in XX/XX/XXXX was XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it said I owed the XXXX XXXX XXXX XXXX 1.380.00 or higher I had disputed them on XX/XX/XXXX and just know got the results saying that the debt was valid I really want this debt removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I disputed information on my Experian consumer report with respect to incorrect information about my accounts ( attached ). Experian acknowledged receipt of my dispute by initiating a dispute of XXXX XXXX XXXX ( results dated XX/XX/2020 XXXX and declining to investigate XXXX XXXX XXXX in a letter dated XX/XX/2020. However, I have not been notified of Experian 's actions with respect to my other two disputes contained in the same XX/XX/2020 letter on page 2 ( XXXX XXXX  and XXXX XXXX XXXX. I attached relevant information of my disputes with XXXX XXXX  and XXXX XXXX including court records.

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 2021-09-16
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On around XX/XX/2021 I called & requested by telephone for a debt validation & verification letter from CAPIO PARTNERS LLC for the amount of {$2200.00} and as allowed under the Fair Debt Collection Practices Act, I have requested them to allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX, but I am unaware of the amount due and have NOT received a bill that includes a breakdown of any fees including descriptions of said fees AND/OR interests occurred. 

I will send a SECOND and last request for a VALID debt validation with the following.

1. ) provide breakdown of fees including any collection costs and medical charges.

& 2. ) Cease any credit bureau reporting until the debt has been validated by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Company: BARCLAYS BANK DELAWARE
State: GA
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/2020 I called Barclays to defer my payment, which they approved my request. To my surprise in XX/XX/2020 I realized they had reported my account 30 days late for XXXX XXXX. I called them to correct their mistake but they werent willing to help. XX/XX/2020 I decided not to continue to do business with Barclays, paid off my account in full and closed it. I had that account 1 year and never missed a payment. I called requesting to defer my payment as I work in the travel industry and due to Covid -19. I was not certain what will happen with my job. Please help me correct this unfortunate situation as Barclays are not being responsible for the lack in service.

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 2020-05-11
Company: Comerica
State: ND
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX, I purchased a tv from XXXX XXXX for {$120.00} off a XXXX ad. Around XX/XX/XXXX, I started to email the company and they didn't respond. Around XX/XX/XXXX, I received an email from them stating to wait patiently. I them opened a claim with direct express and was refunded the full amount on XX/XX/XXXX. On XX/XX/XXXX, Direct Express reversed the claim and debited my account for {$120.00}, purchase amount of tv. I asked to receive detailed information about the case reversal to which they sent a short letter stating that there was no error in the transaction. I have made approximately 15 phone calls and an appeal to Direct Express. before I get an answer regarding my questions, I get hung up on. It is obvious they refuse to refund my money even though I never received the product debited to my account nor have I received a refund from the merchant. Direct Express has shown no interest in resolving this complaint. It is for that reason I am asking for your assistance in recouping my stolen money as I am a XXXX  on XXXX income. The states attorney has referred me to you and I have contacted the XXXX  to make a claim against XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 informed by my banker ( 10 years ) that I was not approved for a personal loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: Risecredit, LLC
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 status incorrect

Complaint:
One XX/XX/19 Rise Credit sold my loan to XXXX XXXX XXXX. They no longer own the debt, or have the legal right to collect on it or report ownership of it to the credit bureaus. I disputed ownership of the account with XXXX   and they certified on XXXX that they owned the account, the account was past due and that my claim that they didnt own the debt was false.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
One XX/XX/19 XXXX XXXX sold my loan to XXXX XXXX XXXX. They no longer own the debt, or have the legal right to collect on it or report ownership of it to the credit bureaus. I disputed ownership of the account with XXXX and they certified on XXXX that they owned the account, the account was past due and that my claim that they didnt own the debt was false.

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 2018-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and Transunion are reporting inaccurate information on my credit report from XXXX XXXX, account number XXXX. I have not only requested for the obsolete account to be remove but I have also requested on several occasions for both credit bureaus to provide me the format in which they disputed and who verified the information from XXXX XXXXXXXX as I know this information is inaccurate as well as they are reporting incorrect payment history, This account has been closed for several years and is eligible for deletion but yet XXXX and Transunion has yet to removed from my credit files.

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 2019-05-18
Company: Optimum Outcomes, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Optimum Outcomes - XXXX XXXX XXXX # XXXX, XXXX, NC XXXX I recently contacted the above company by mail concerning verification of debted accounts. I requested original documents that they have with my signature connecting me with those accounts which I have the right according to the FDCPA. They have not provided me with the said request thus far. By reporting this to the credit bureaus they have damaged my reputation and credit worthiness, and may be in violation of other federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
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:
PayPal codes my account for no reason and will not help me getting it back I am sure this is some mistake as I assume it has to b I have not been able to get help from them for months and its affecting me a great deal My email linked to PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: Service Finance Holdings, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I contracted with XXXX XXXX XXXX to install solar panel on my home Iin XX/XX/XXXXI was told by the salesman that it would take up to 90 days before my service would be in operation.HERE it is five months and i have no service. the financial service wants me to pay them and pay XXXX XXXX ; that means that I am am paying too company for the same service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my second complaint! My initial complaint I addressed never receiving a dunning notice for this alleged debt, as well as addressing how the validation information theyve provided does not have my valid address on it. Ive had a XXXX  XXXX XXXX checking account in which Ive enclosed statements from the month PRA claims XXXX sent a letter informing me that theyve handed a account ( not XXXX account over to them. These statements have my previous, and current address on them. The alleged dunning nothing sent by PRA contains the same address the alleged notice from XXXX has as well. Mysteriously, PRA does in fact have my current address, and has sent communications thus far. These documents theyve sent previously, this has been the very first time Ive laid eyes on these. Additionally Ive attached communications showing that they submitted my file to their attorney XXXX and XXXX during an active credit bureau dispute, per their words they sent it on XX/XX/XXXX, in which the active dispute did not close until XX/XX/XXXX, as well as I received notice from their attorney during a new dispute. Additionally PRA sent me a notice stating they were closing their disputes bc they had not received requested documents from me, this letter was dated XX/XX/2019 the only thing Ive ever received from alluding to any type of documents needed from me ( which is never actually asked ) was dated for the exact same day that the letter stating they were closing this dispute was dated for XX/XX/2019. PRA is a very deceptive company, and their track record shows this! They have been lying, and sending falsified documents hoping that no one questions them! They are violating FCA laws, and no one is holding them accountable!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
I disputed an inquiry that was falsely made by Capital One. This credit inquiry was made on XX/XX/2018. I sent a letter to the creditor via certified mail on XX/XX/18 which was received on XX/XX/18, After more than 30 days passing, this company responded to my first letter by sending me a letter that didn't make any sense, It seems like an opt-in or opt-out instruction letter to the bureaus, which doesn't make any sense, I did not authorize anyone employed by Capital One to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17
Company: HCFS Healthcare Financial Services of TeamHealth
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: Information belongs to someone else

Complaint:
XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records I am unable to find any original contract documentations of any contractual relationship between name of company XXXXXXXX XXXX XXXX XXXX XXXX XXXX and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of anoriginal contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence ofa notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim againstme. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney orsell it to another Creditor without providing proof of the originalcontract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. Sincerely 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 2018-08-03
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
PLEASE READ MY COMPLAINT CAREFULLY!

After this complaint I am going to sue EXPERIAN, and this is proof of my ordeals.

1-I have attached to this complaint the tremendously inaccurate accounts which you are displaying on my reports. PLEASE note, you have two accounts with the same ACCOUNT NUMBERS appearing on my credit report as a DUPLICATE and that is WHY you are refusing to understand the incorrectly information when it comes to XXXX! What is going on, why can't you guys see what I am talking about? One has a 30 day late on it and the other is delinquency free! Why are you displaying the one account that is CLEARLY stating that it is closed but still have the other account with the SAME account number, status, open dates on it with ZERO delinquencies? I have told you time and time again that I HAVE NEVER BEEN LATE on my XXXX card # XXXX  ... you are illegally reporting incorrect information. There is 1 ACCOUNT on my credit report from XXXX with STATUS " CLOSED '' with a false 30 day LATE on it and another one that is displaying the same information in the OPEN accounts with the same account # ( that is the accurate one ). DELETE the one which is LATE and CLOSED, that does not belong to me. MY CARD IS OPEN and late-free! I do not know the closed one is with the 30 day late ... it is not mine or accurate. This is not an account that belongs to me and the information is inaccurate, mixed up and false.

2- Second reason why I am going to sue you is that you have not carried out on an investigation into XXXX # XXXX! this is NOT a negative account and you have it as a negative Collection account! DELETE it because it is harming my credit! Who in the world is handling my case? What is going on here? it has been 5 months of this back and forth madness and NOT ONCE have you placed a DISPUTE mark on this account and sent me a single thing regarding an investigation!

I have disputed this multiple times and my recent response from Experian was absolutely off from what I believe that they sent me the wrong response. Their response to me seemed to me was meant for someone else. I didn't dispute anything regarding " child support '' and they claim my dispute was regarding child support, which is very confusing. They responded to me regaining multiple things which I never referenced and do not know who they belong to.

So, basically they may have sent my response to someone else and now I am worried my information has been compromised.

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 2018-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 status incorrect

Complaint:
XXXX XXXX XXXX XXXX/XXXX has discharged a loan and it still shows on my credit report as 129-149 days late. the discharge is due to the fact that should have NEVER been enrolled into this school in the first place.See document attached.

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 2018-08-03
Company: AES/PHEAA
State: MD
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:
XXXX XXXX XXXX  ( XXXX ) has placed erroneous information on my Credit report. The Co-signed l

oans that were included in my Bankruptcy was changed to " Charge Off ''. I have provided proof that those loans were included in the Bankruptcy. The Bankruptcy was discharged on XX/XX/XXXX - which is why the loans for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were included. XXXX fraudulently changed the accurate information. I would like a copy of the " Discharged Debtor '' report that was supposedly sent to NCT in Yr. XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief