BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-15
Company: AES/PHEAA
State: AZ
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 have been making payments for the last couple of years towards PSLF. However, the company seems to always be " processing '' these and still shows that I have no payments counting towards the 120 I will need to obtain forgiveness.

On multiple occasions, I have submitted paperwork to maintain my enrollment in  PSLF and was asked to submit it again. At one point, I submitted the SAME document completely filled in 7 different times. I even had a customer service representative tell me that they were requesting I send it again but that she could clearly see the 7 different documents submitted and that all were done correctly so she was unsure of why I needed to again.

After this, I began recording dates, names and ID numbers along with what the representative told me regarding my PSLF status. The detail document is attached below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
When making an online, in person, cash withdrawal or cash transfer my card is blocked and declined. My direct deposit arent always reported. I also believe that my funds are being misused by the Financial institute. They have decreased my daily spending limit from XXXX to XXXX. When I asked why I wasnt given an explanation.

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 2017-11-29
Company: WELLS FARGO & COMPANY
State: VA
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:
I wrote into all three credit reporting agencies asking them to have the companies Wells Fargo XXXX on XXXX XXXX XXXX and XXXX XXXX XXXX on all three ) validate my debt and send me copies of all documents with my signatures validating this account. This was not done. XXXX XXXX  has also reaged my account which by law isnt allowed. These items need to be deleted if validation can not be given.

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 2018-03-15
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Equifax in blatant violation of the following FTC regulation : 623.

Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition * ( A ) Reporting information with actual knowledge of errors. 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.

* ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if * ( i ) the person has been notified by the consumer, at the ad- dress specified by the person for such notices, that specific information is inaccurate ; and * ( ii ) the information is, in fact, inaccurate.

* ( C ) No address requirement. A person who clearly and conspicu- ously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 

* ( D ) Definition. For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.

( 2 ) Duty to correct and update information. A person who * ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and * ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that infor- mation, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

Continues to report the following inaccurate items as included in a bankruptcy that XXXX has deleted as inaccurate ( see enclosed document ) : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX PUBLIC FILINGS XXXX BK IND CH-XXXX  ( XXXX not reporting ) delete

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have been having issues with XXXX and Experian in reference to credit inquiries being deleted from my credit report even after proof of my information being exposed in past data breaches and informing them of unauthorized hard inquiries observed recently on my credit report. XXXX has deleted all hard inquiries and also mailed out a current credit report. I am requesting for the same results with XXXX and Experian after several recent disputes via phone. Attached below are documents of the results.

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 2022-02-02
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX i had FRAUD Charges on my Wells Fargo Debit card totaling over $ 3500+. 

I dont use or have a XXXX  account, i went online and disputed with my bank these unauthorized charges. 

I tried getting in contact with XXXX  by Phone but kept getting a busy line, the bank closed my FRAUD Claim. i dont understand why, i thought i was protected during these types of situations where someone steals my debit card info and spends my money.

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 2018-08-27
Company: Diversified Consultants, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted them numerous times. I have send below letter. I cc : FRCA They have failed to provide PROOF signed documentation, ID uses or any other documents that VERIFY I had an account with XXXX who they are trying to collect for. They send statements, that do not PROVE anything about how the account was opened in 2012 supposedly. They are falsely reporting on my credit report. I have also filed a fraud affidavit with XXXX in this case. 







Please be advised this is my SECOND WRITTEN REQUEST. 

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 

Where are the documents that you used to verify these accounts? 

What is the name of the person in your company who verified these accounts? 

What documents did they use to verify them? 

Please provide me with the name of that individual, their business address, and telephone number. 


You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I submitted proof of unverified late payments to all three credit bureaus showing how late payments ahd not been verified because they were shwioign differmtly for all three bureaus. They have all closed my disputes without removing the unverifed information. They updated the missed payments to make them match what I sen them, however, that is not what i requested. Since they did not properly verify after several attempts to get this corrected, I sent in my highlighted copies showing the differenes in the bureaus reporting.After having to go back and forth several times I requested that they be removed, they had time to correct thema nd did not, kept saying it was correct. I want these late payments removed ASAP. XXXX and XXXX are also illegally reporting XXXX XXXX XXXX as " XXXX '' every month since XX/XX/2019

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 2018-08-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a personal loan with Wells Fargo on XX/XX/XXXX. I was pre-approved so I proceeded with the application process. Wells Fargo sent me a notice to upload my XXXX XXXX & most current paystub. While uploading that info I accidently up loaded other tax documents that was I was not asked to send. I tried to cancel but it did not work. I called to speak with a loan specialist and was treated very unfairly. This lady was way out of line. She told me she was going to call my employer about my tax write offs. This is none of her business nor the my employers. I called to complain about the incident and the way I was treated and was assured that it would be handled and she would not be handling my loan request. Well she called my employer and my loan was denied based on the info that she shouldn't have even received. They deducted last years tax deductions from this years salary. How is this fair? My situation is different this year. I'm so embarrassed now that all my co workers no my financial situation and how can they base their decision on something that was not even required to obtain the loan. I have had this account for years and I am currently looking for somewhere new to bank. Shame on Wells Fargo for treating my like this. I have been humiliated and treated like a criminal or something.

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 2019-06-12
Company: JPMORGAN CHASE & CO.
State: MI
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 purchased plane tickets through XXXX on XX/XX/2019. They were nonrefundable UNLESS I purchased cancellation plan marked Exhibit 'A ' for {$38.00}. Things changed I had to cancel my tickets a week later it was 6 weeks before the flight. XXXX refused to refund my money and said I owe the airlines {$250.00}. I NEVER purchased anything from UNITED airlines. I reported this as fraud to Chase credit card and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
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: Account status incorrect

Complaint:
On several occasions I have disputed an account XXXX XXXX XXXX with Equifax as the account information is incorrect. I have requested multiple times for a verification and validation of the actual debt and I have received NOTHING from Either Equifax or XXXX. XXXX XXXX yet this inaccurate account is still reporting negatively on my credit report. As this has violated my federal rights, this account is to be deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I purchased a vehicle at the XXXX XXXX XXXX in XXXX Florida on XXXX XXXX XX/XX/2018. I initially swiped my American Express Blubird card that i get my direct deposit on. It declined. I got paid that same day. I then used another source of payment. Later on that day i realised that my account was {$700.00} short and the payment was indeed accepted, but it was not in the dealerships ledger. I then contacted American Express customer service and i could not get any information on my account because their " system was down ''. My {$700.00} has been on hold for 3 days. I contacted American Express again this morning and they continued to tell me my money is on hold through an automated system and there is nothing they can do about it. I have car payments and bills, {$700.00} is a lot of money that i need right now, not in 7 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am a XXXX XXXX XXXX XXXX XXXX XXXX veteran. I am unemployable as I am almost XXXX XXXX. I have a student loan with American Education Services. I was paying them up until my unemployment check was available. Now, I rely only on my XXXX compensation check from the VA to sustain myself and my family. It is already hard enough to make ends meet, as I have a son in college and a XXXX years old daughter. I have tried many times to ask to cancel my loan, or at least to reduce my monthly payments, but I was denied each and every time. I have sent all documentations they have requested that show my XXXX, but their answers still the same, I have to pay {$750.00} each month. Now, they send me to collection. Would please help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is an ongoing problem with Equifax for the past 30 days. Equifax has MIXED UP my brother 's information with mine. I have already contacted Equifax multiple times and they insisted the problem was fixed. They have mailed me a copy of my credit report 3 weeks ago. Although the information on that report was correct, I still see my brother 's information on my Equifax online account. 

I used my login credential to place a security freeze on my Equifax credit report online today. However, the confirmation letter has my brother 's name/address on it instead of mine. This means that Equifax still hasn't fixed all the errors completely. Please refer to the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Affirm 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: Account status incorrect

Complaint:
To Whom It May Concern : This letter is to formally advise you that this debt was settled and a paid-for deletion was processed through true accord. True accord is a third-party collection agency that represented Affirm. This debt was paid in full for a full deletion through an associate by the name of XXXX. All phone calls were recorded and monitored through the company. I am asking for a full deletion off of my credit report. Attached is a report from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: JPMORGAN CHASE & CO.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2018, Amount {$350.00}, companies involved : Chase and XXXX I purchased XXXX XXXX tickets through XXXX but fell for a scam. I sent payment through Chase/XXXX but never received the tickets. 

I called Chase within 10 minutes when I realized that I was the victim of a scam and spoke to at lease three Chase employees on the phone. But they claim there is nothing they can do to stop the payment and even told me I shouldn't file a police report because I initiated the payment!!! The payment was actually showing pending for at least five hours on Chase.com but Chase did not do anything about it.

I also filed a police report on this crime to my local police department a few hours later.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: EQUIFAX, INC.
State: MS
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 the attachment, concerning my recent correspondence with Equifax. Equifax has violated my rights pursuant to FCRA 605B ( 15 U.S.C. & 1981 c-2 ) by not blocking and/or removing fraudulent accounts and inquiries within 4 Business Days of receipt. On XX/XX/2019, I mailed Equifax a certified mail, return receipt request letter, with the police report attached, stating that I am a victim of identity theft and to block the information that is the result of identity theft. They received the information on XX/XX/2019 and instead of blocking the information, they imitated a dispute. They sent information to my email on XX/XX/2019, stating that they want me to receive the results through via email. I never  authorized them to contact me through my email ; in fact, I mailed them all of the information that they needed. On the results they mail me dated XX/XX/2019, they stated that they will not block the information on my credit file and will contact the creditors on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-18
Company: EQUIFAX, INC.
State: NV
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:
ON OR AROUND XX/XX/XXXX I WAS GOING TO APPLY FOR SENIOR LIVING HOUSING HERE IN XXXX XXXX NEVADA. AND THE AGENT ADVISED ME BEFORE SHE DO A HARD PULL OF MY CREDIT TO LETS LOOK AY XXXX XXXX. AND I NOTICED SEVERAL ACCOUNTS OPENED IN MY NAME ON OR AROUND XX/XX/XXXX - TO XX/XX/XXXX AROUND THE HOLIDAYS. THAT I DID NOT OPEN NOR AUTHORIZED. AFTER DOING MY INVESTIGATION THESE ACCOUNT WERE ALL OPEN ONLINE. THESE ARE FRAUD AS WELL AS THE MANY AUTHORIZED INQUIRIES ON MY CREDIT REPORT. 
I DID A STATEMENT WITH THE XXXX XXXX XXXX POLICE DEPARTMENT. WHICH HAS BEEN ASSIGNED TO A DETECTIVE I AM ASKING ALL 3 CREDIT BUREAUS TO REVIEW THE ATTACHED DOCUMENTS AND REMOVE ALL FRAUD ACCOUNTS LISTED AS WELL AS UNAUTHORIZED INQUIRIES FROM MY CREDIT FILE IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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