BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-15
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have XXXX XXXX XXXX XXXX credit card with Pentagon Federal Credit Union, where I have scheduled auto payment for statement balance every month in their systems. 

In XXXX, there was a fraud on my account which was automatically identified by Penfed. They closed the existing account and issued me a new card. I verified with them if I need to make any changes to my account, I was told no. 

Today, I noticed instead I am charged interest and when I called them, they said they know the problem but instead of fixing bouncing me back from one person to another.

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 2018-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Transunion along with XXXX and XXXX  are all in on the same corrupt activity. While the recent government shutdown occurred they were not allowing our yearly free credit report. You could n't even pay to see your scores. They were breaking every law in the book while the FTC was down. As soon as FTC opens back up, they all of sudden are starting to get back into compliance. They are reporting false and negative information, as well as inaccurate account balances, high balances, ect ... Then, they try to get you to pay to try and dispute inaccurate information, that should n't have been there in the first place. These guy need shut down and run out of town for their continued documented activities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied for XXXX student loan forgiveness in XXXX, XXXX. On XX/XX/XXXX, I received a letter from FedLoan Servicing stating my application had been received. But when I call ( XXXX ) XXXX to check on the status, there is no record of my SSN or account number. I have to wait about two hours to talk to someone only to be told they have to route me to the " correct department ''. Then I get disconnected every single time. I have called on the following dates : - XX/XX/XXXX - XX/XX/XXXX- XX/XX/XXXX - XX/XX/XXXX The letter says it can take XXXX to 120 days to process my application, but that is unreasonably too long considering everything is done through electronic interfacing. If nothing else, the system should still recognize my SSN or account number, otherwise I would not have received a letter confirming application receipt. 

I believe FedLoan Servicing, like several other student loan servicers, are engaging in fraud. They are billing the government for services they are not actually providing to borrowers and they make it impossible to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Alorica Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Pursuant to Florida statute 559. 715 of the Florida Sunshine Law, Global receivable Solutions has yet to send out a letter of assignment and they have had this debt assigned to them sinceXX/XX/XXXX. This means that a letter of assignment would have had to have been sent out no later than XX/XX/XXXX in order for them to be compliant under Florida law. I was told by a representative of global receivable solutions that they did not have to follow the law considering the dead have been previously assigned to them back in XX/XX/XXXX but had been recalled by XXXX XXXX XXXX Hospital billing department on XX/XX/XXXX. As such, the debt was reassigned to Global receivable Solutions on XX/XX/XXXX which means that Global receivable Solutions still has to follow the letter of the law as outlined under the Florida consumer credit protection act, which they have not done. Therefore, Global receivable Solutions is leaving themselves and they have not followed the Florida consumer credit protection act nor the fair debt collection practices act by giving me the validation dispute time frame. This company has already had a complaint submitted against them by myself back in XX/XX/XXXX alleging the same transgression committed by this organization.

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 2017-09-13
Company: EQUIFAX, INC.
State: TX
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:
Equifax poorly performed its duties in seuring my personal and financial information. 

They were recently hacked ( XXXX XXXX, XXXX ), and have confirmed that I have been a victim of the hack ( as of XXXX/XXXX/XXXX ). The company demonstrated gross negligence in this matter by : 1 ) Waiting over a month to alert the public ( me ) of this breach and security risk.
2 ) failing to secure data in a manner accordance with the laws and standards ( PCI and PII compliance was not met ) 3 ) Acting insufficiently in the aftermath ( Filed a press conference as opposed to contacting me directly, having a weak PIN solution for credit freezes ) Due to this breach, from this point forward I need to be vigilant over my credit report as now anyone can have access to all of my personal data. This will require at a minimum, a premium monitoring solution. It 's entirely reasonable to assume that I will also need to deal with a compromised identity in the future, which will take hours of personal time and effort to mitigate, and can potentially range into the hundreds of thousands of dollars in damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: IQOR US INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Allied Interstate for a debt and account with center point issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This account is not mine and I have idea what this is. I was a victim of identity theft back in 2014 but I am unsure if this account is from that issue. 

I want them at Allied Interstate to close this right away please. 

I have sent Allied Interstate a letter to close this as well which I have attached. 

Thank you for the help and assistance on this frustrating manner.

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 2017-11-15
Company: Oracle Financial Group LLC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX/XXXX/XXXX I was told by a friend who received a call that a XXXX XXXX was trying to reach me in regards to a complaint. I contacted her XX/XX/XXXX and was told there was a balance of {$890.00} with a company I got a loan from. During the call XXXX mentioned a possible settlement of XXXX and said I could do 2 payments. I told her that was too much for me. I also had a recent payment arrangement for the same loan company that resulted in a payment being taken out of my account on the wrong day which resulted me removing the payments. This was back in XX/XX/XXXX since then my hours have been cut down and I am only paid semi monthly but was looking to pay this off in XX/XX/XXXX. This was unacceptable for her and XXXX also kept threatening the loan company taking me to court. I asked of a payment arrangement {$10.00} a month for now that I could mail in which she said they can not do and refused to give me an address to send the payments to. XXXX said with the balance and court fees it would amount to about {$1300.00} or more also. She kept saying they would take me to court and garnish me.Then when I asked for the address again she transferred me to a supervisor XXXX XXXX who also did n't give the mini miranda and refused what I had to offer as a payment. He also said the arrangement was only done over the phone with debit or bank information. I was never told what the company name was either so when I asked, he gave me another name other than what I had researched which was " XXXX XXXX XXXX ''. I asked if this was also XXXX XXXX he said yes. XXXX also said the over the phone payment was because the original loan was done online which it was not. I went into the store to get the loan. I told him I never received any mail about them having the debt. He begin arguing with me resulting in saying he will let the client know that I refuse to pay and hung on me. I tried several attempts to call back and was either hung up on or they just did n't answer. I am concerned if this is a scam or not as I know companies have ways to access our debt and seek money by phone. I am also concerned because although I am willing to resolve the issue now the company is not working with me on such last minute notice and threatening to take me to court and garnish me. The original loan balance as of XX/XX/XXXX is {$200.00} with XXXX XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I wrote a letter to XXXX Credit Bureau to correct errors that were on my credit report. The status letter that I received in the mail was that the information on my credit report was updated. Which this is incorrect, because I do n't owe this company below : XXXX XXXX So I called the credit card company and spoke to a rep by the name of XXXX and she informed me that my account was indeed closed and that I do n't use any money to their company. I asked her if they could update the credit bureaus stating my account has been closed and put in a positive account standing. She informed me that they could n't do that. This is really hindering me from purchase a home and it needs to get credit. My credit score is being effected because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Midstate Collection 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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX and Midstate Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX My name : XXXX XXXX Bankruptcy  : XXXX ( XXXX XXXX XXXX Illinois ) This collections entity is using data and sending informtion to XXXX and other credit agencies/repositories that lacks integrity. It reports DEROGATORY remarks and reported my Bankruptcy incorrectly. There should not be a flagged Credit Reporting issuance for Bankrptcies that are discharged for anything included ( Which XXXX was included and my attorney and the courts sent them & Midstate ALL informaiton and discharg info ) It not only impacts consumers in many aspects of their lives but violates Bankruptcy laws and Fair Credit Reporting rules and can be construed as oppressing individuals using the system to categorize, deny jobs/employement and housing and credit and other things. Credit Reporting and attorney has been contacted. The buying/selling and sharing of consumer private information and using it to target and using the credit reporting system to share data that should not be pursued in order to deter people 's future, records, collect money that was in bankruptcy should be illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hi, I have several issues with Transunion but the most recent Im very hindered by. Transunion is reporting my credit card usage is up by 38 % and I am holding NO BALANCES my score dropped 50 points???? In 2 days??? Something is clearly wrong! They need to adjust and fix! Also they send me a link through XXXX XXXX for XXXX XXXX  and said I was approved for a XXXX  XXXX  XXXX  cluck the link and it would not affect my score it clearly has!!!!! I am working hard to fix all these incorrect issues in my credit and Transunion has been the only agency Thats difficult and still reporting wrong information! And dropping me 50 points in one day!

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 2019-05-12
Company: Statebridge Company
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Regarding Statebridge Company - My mortgage was sold to Statebridge a few years ago. Since online payments can not be processed without a fee, I have set up automatic payments through XXXX Bill Pay - these payments occur automatically monthly. My XX/XX/2019 payment ( sent on XX/XX/2019 XXXX XXXX EST ) was rejected because, apparently, Statebridge changed their mailing address and they therefore were not able to received my timely payment. This rejection only showed on my XXXX  account on XX/XX/2019 XXXX XXXX EDT.

I received a few phone calls from Statebridge to my home - they called in XX/XX/XXXX to tell me of this error and that they will waive any late fee and will not report to the credit agencies due to their error. In addition - I received a letter stating the same. I subsequently made two payments to Statebridge as my XX/XX/XXXX payment was already due - the payments were sent on XX/XX/2019 XXXX XXXX EDT and they arrived to Statebridge on XX/XX/2019 XXXX XXXX EDT.

On XX/XX/XXXX - I sent my XX/XX/XXXX payment which arrived XX/XX/2019 XXXX XXXX EDT.

On XX/XX/XXXX - I received a credit alert stating that I have a " new alert '' - " Missed payment - Statebridge Company ''. My first ever missed payment on my credit report AND I DID NOT MISS ANY PAYMENTS!!!!

I have had many issues in the past with Statebridge but this one is absolutely unacceptable.

I demand the Government take action to shut down this scam company! The reports online are clear evidence that they must be shut down immediately before causing more financial ruin!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Maximus Education, LLC dba Aidvantage
State: VA
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:
There is an ongoing issue with requesting a refund. I was never notified of a problem with my request and requesting management intervention has not resolved the issue. Consistent cycle of delays without repercussions but if I was 3 months in submitting payments the student loan company would want to garnish my salary. 

Please do something so this does not happen to others. 

XX/XX/XXXX - student loan company at XXXX agreed to process refund of {$4300.00} which would be return as paid through XXXX to XXXX. 
XX/XX/XXXX - student loan company stated refund was approved on XX/XX/XXXX and would be return as paid through XXXX to XXXX in XXXX weeks. 
XX/XX/XXXX - student loan company stated refund would be received in XXXX weeks, but by mail. 
XX/XX/XXXX - student loan company stated refund was approved, would receive by mail, must be a problem with XXXX. Spoke with XXXX stated there was an error, but could not explain the issue stated would expediate request. 
XX/XX/XXXX - student loan company stated refund was approved XX/XX/XXXX still pending, requested XXXX stated XX/XX/XXXX had a clerical error when request was created she contacted billing and refund would be return as paid through XXXX to XXXX in XXXX weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: UT
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:
I refinanced my mortgage last month. The previous mortgage company completely removed my information from all credit bureaus showing excellent payment history, which caused my credit score to drop XXXX points and two of my creditors to decrease my credit limits, which also dropped my score even further, because they state no mortgage loan and mix not diverse due to no mortgage showing. I DO have a mortgage. Cardinal mortgage should have documented my mortgage with them Paid In Full since it was

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Experian Information Solutions Inc.
State: AL
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:
IN MY PREVIOUS DISPUTES TO BOTH CREDIT BUREAUS XXXX AND EXPERIAN REGARDING XXXX XXXX XXXX XXXX WAS UNSUCCESSFUL. BOTH BUREAUS CHOSE NOT TO REMOVE THE INCORRECT DATA FROM MY CREDIT FILE.DESPITE SUPPORTING DOCUMENTS THAT DISPUTES THE INCORRECT REPORT BOTH BUREAUS CHOSE TO ACCEPT XXXX XXXX XXXX XXXX 'S DATA.AGAIN, I HAVE ATTACHED ADDITIONAL SUPPORTING DOCUMENTS TO INCLUDE THE VEHICLE TITLE SIGNED BY A XXXX REPESENTATIVE DATED X/X/2011.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXXXXXX XXXX XXXX  XXXX account # 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

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 2017-11-15
Company: Equitable Acceptance Corp
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
I was contacted by a third party company promising to reduce my student loan debt or even erase it for a fee of {$1300.00}. Name of the company is Equitable Acceptance Corporation and the account was opened on X/XX/2017. They have not even contacted XXXX or provided any type of service that they have promised to provide. I would like to not have to pay this scam company any more money and get it taken off 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 2017-07-10
Company: EQUIFAX, INC.
State: AL
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:
IN MY PREVIOUS DISPUTES TO BOTH CREDIT BUREAUS EQUIFAX AND XXXX REGARDING XXXX XXXX XXXX XXXX WAS UNSUCCESSFUL. BOTH BUREAUS CHOSE NOT TO REMOVE THE INCORRECT DATA FROM MY CREDIT FILE.DESPITE SUPPORTING DOCUMENTS THAT DISPUTES THE INCORRECT REPORT BOTH BUREAUS CHOSE TO ACCEPT XXXX XXXX XXXX XXXX 'S DATA.AGAIN, I HAVE ATTACHED ADDITIONAL SUPPORTING DOCUMENTS TO INCLUDE THE VEHICLE TITLE SIGNED BY A XXXX REPESENTATIVE DATED X/X/2011.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I contacted XXXX about inquiries on my report that were n't authorized by me. I also contacted XXXX about a glitch in their reporting that removed inquiries and they replaced them my report without giving me notice in the mail 5 days prior as they should.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Dear US Bank, I did not realize until recently that a personal checking account XXXX and a business checking account XXXX was successfully opened in XX/XX/XXXX. At the time, I was told by a US Bank banker that you were not able to open the accounts successfully. 
I just realized it was indeed opened and I have been charged fees for it. I would like to keep the accounts open going forward, but I kindly ask that you reverse the following fees : Account : XXXX XX/XX/XXXX : {$6.00} Maintenance fee XX/XX/XXXX : {$6.00} Maintenance fee XX/XX/XXXX : {$6.00} Maintenance fee XX/XX/XXXX : {$6.00} Maintenance fee XX/XX/XXXX : {$6.00} Maintenance fee XX/XX/XXXX : {$2.00} Statement fee XX/XX/XXXX : {$6.00} Maintenance fee XX/XX/XXXX : {$2.00} Statement fee Account : XXXX XX/XX/XXXX : {$5.00} Service Charge XX/XX/XXXX : {$5.00} Service Charge XX/XX/XXXX : {$5.00} Service Charge XX/XX/XXXX : {$5.00} Service Charge XX/XX/XXXX : {$5.00} Service Charge XX/XX/XXXX : {$5.00} Service Charge Thank you,

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