BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-21
Company: AES/PHEAA
State: CA
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:
Hi, I hold a federal student loan and the servicing company is FedLoan Servicing. My Account number is XXXX. My name is XXXX XXXX On XX/XX/XXXX I received a notification that my loan is becoming due to be recertified. Please see attachment XX/XX/XXXX. 

On XX/XX/XXXX I uploaded all the necessary documents for recertification with the income requirement. Please see attachment XX/XX/XXXX. 

On XX/XX/XXXX I received a recertification letter and my monthly payments were assessed at {$230.00}. Please see attachment XX/XX/XXXX. 

Please note, that I used the exact same income return for the previous year and my monthly payments were assessed at {$150.00}. Please find the following : 1 )  Attachment XXXX ( the IDR monthly payment assessment ) and 2 ) The tax return submitted to FedLoan ( attachment XXXX XXXX - Form XXXX - XXXX Tax Return ) with the IDR form signed on XXXX ( attachment XXXX XXXX IDR Application XX/XX/XXXX - XXXX ). 

On or about XX/XX/XXXX I contacted FedLoan Servicing and inquired about the discrepancy in the monthly payment calculation and was advised to resubmit my recertification documents without an explanation about processing times and guarantee that the mistake won't happen again. 

On or about XX/XX/XXXX I contacted FedLoan ServiceXXXX again and spoke to representative XXXX ID # XXXX. She reviewed my file and determined that there was an error in processing my IDR application which resulted in an increase in my monthly payment. She further informed me that she will put in request to review my application to correct such error. 

As of today, XX/XX/XXXX FedLoan Servicing has not followed up with any type of communication that my IDR application has been submitted for the error correction. I have not received an email or any type of communication regarding this issue. 

I would like my payments my monthly payments to be adjusted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Please be advised that I've been working with TransUnion LLC since XXXX of XXXX to fix and correct all information on my credit file. But as of today XXXX of XXXX. TransUnion LLC as failed to follow the procedures of the FCRA. TransUnion LLC has been reporting misleading, unverifiable, incomplete, erroneous, fraudulent, inaccurate information, and old none relevant information with no physical copies documents to show proof of illegal reporting on my credit profile. Because of TransUnion LLC negligence I am suffering at a tremendous financial hardship. TransUnion LLC is clearly breaking federal & state law by continuing report these accounts on my credit report and it needs to be addressed and corrected at once.

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 2020-01-21
Company: Experian Information Solutions Inc.
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:
XXXX # XXXX is reporting lates to my account that I should not have. It has always been on auto draft and the debt was sold to XXXX XXXX at the beginning of XX/XX/2018, however the new loan is also showing the same late. By law lenders are to give 60-90 days for servicing transfer. I was never late and this should not have lates on it.

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 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is a little crazy because I have never heard about these accounts on my file. I have issues during the COVID -19 Pandemic with my information being compromised I have no ideal who of what theses account are : XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX. I need these accounts removed/deleted asap. Please let me know what I need to do to see who is using my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Bankruptcy listed with XXXX, XXXX and XXXX  has incorrect information listed. Bankruptcy is listed with a XXXX dollar amount. Disputed with credit bureau asking for them to provide proof of how the information was verified. No information was provide

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bankruptcy inaccurate statue of limitation by Federal Law over 10 years chapter XXXX and chapter XXXX dismissed never filed or completed

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 2020-05-21
Company: Experian Information Solutions Inc.
State: IN
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 sent a copy of the letter from the bankruptcy court along with a dispute letter requesting their method of verification to Experian on XX/XX/20 certified mail regarding two bankruptcies that was reporting on my credit report.I also sent another dispute letter on XX/XX/20 certified mail stating the inaccuracies of the two bankruptcies reporting on my file.Experian then responded on XX/XX/20 stating its still under investigation.Then Experian responded on XX/XX/20 stating that the two bankruptcies are reporting accurate.Then Experian sent another letter on XX/XX/20 stating to ask XXXX XXXX for verification on bankruptcies.I reached out to XXXX XXXX they sent me letter on XX/XX/20 stating they could not verify the two bankruptcies and its not showing in their files.I sent another dispute letter on XX/XX/20 certified mail explaining to Experian that XXXX  and XXXX  have deleted both bankruptcies because they couldnt be verified.Then I sent another dispute letter on XX/XX/20 certified mail to Experian with a copy of letter from XXXX XXXX stating its not showing in their file and I asked Experian again for their verification procedure.I also sent another dispute letter to go along with Experian investigation on XX/XX/20 certified mail further asking for verification of the two bankruptcies.Then Experian responded on XX/XX/20 stating the two bankruptcies are accurate and verified.Experian failed to provide me their method of verification which I requested on XX/XX/20.Experian disregarded the letter from the bankruptcy court stating they do not give out information to the credit bureaus.Experian stated to ask XXXX XXXX for verification because thats who they gathered their information from, I did just that and the two bankruptcies could not be verified and Experian ignored that letter from XXXX XXXX also.Experian did not do an investigation they never provided any method of verification or any proof to show how they verified the two bankruptcies.Experian has violated my rights under the Fair Credit Reporting Act and Im beyond frustrated.

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 2020-05-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I've had a Wells Fargo credit card for almost two years, always made my payments on time and never had any issues. A couple of days I received a message saying that they increased my credit limit to {$4000.00}, but the next day after they raised my credit limit my account was closed without any reason, I call the bank and they said I was going to receive a letter explaining why. I received the letter today and it did not explained anything, so I have no clue why they just all fo the sudden close my account.

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 2019-03-13
Company: Affiliated Creditors, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collector is trying to collect more than is owed to XXXX XXXX, I owe XXXX they are trying to collect XXXX They also claim that I owe XXXX XXXX XXXX I did contact XXXX XXXX, I was told that I do not owe them any money. 

The collection agency is Affiliated creditors inc

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
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: Account status incorrect

Complaint:
This is not a duplicate complaint. The credit reporting agency, Equifax, is fraudulently reporting an adverse collection account on my credit report. The collection agency ( XXXX XXXX ) and credit reporting agency ( Equifax ) received written documentation showing that the account was paid in full on XX/XX/2016, as the original creditor ( XXXX XXXX XXXX, XXXX ) accepted full and final payment of the account. The collection agency is fraudulently reporting a delinquent account when it is not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21
Company: Paramount Recovery Systems, L.P.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and XXXX XXXX. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and  will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Experian Information Solutions Inc.
State: CA
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: Problem with personal statement of dispute

Complaint:
This vehicle was paid in full. No late payments and should not be showing any negative marks on my credit report. This vehicle was sold and has had no connection with me since XXXX  Therefore the 3 credit viewer should not be reporting this negativity on my credit poorly.

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 2019-03-13
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
As of XX/XX/XXXX I have been requesting proper verification such as contract for this account this company MIDLAND FUNDING has attempted to sue me in a state I no longer reside in nor have resided in as of XX/XX/XXXX. One case was initiated in XX/XX/XXXX in the state of New Jersey and another one on  XX/XX/XXXX. You did not give me any notice of these two account nor allowed me to properly dispute my information. I have been a XXXX XXXX XXXX since XX/XX/XXXX in the state of XXXX. Someone FRAUDULENTLY signed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
To whom it may concern, I am in the process of selling my house and I have a settlement tomorrow XX/XX/21. There are 2 open HELOCS on the property which belong to the prior owner from 17 years ago. The title company XXXX and I have been trying to reach the lien release department at PenFed for the past 4 weeks in order to get letters of satisfaction issued in order to proceed to settlement. We have not heard from them and they do not respond to calls or emails. If these letters are not received in time for settlement, I will not be able to close on the property and I will be in default. I will also incur the cost of another mortgage and miss the payments for my credit cards. The reason for the sale is that I have been unemployed since the start of Covid and I was planning to use the proceeds from the sale to pay off my debt which is piling up. This matter is urgent and I would appreciate it if you could look into this promptly. 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
Consumer complaint received 2020-04-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
USAA PROVIDED NO ( * not ada accessible for my XXXX  XXXX ) ACCESS FOR ME TO RESOLVE FRAUD AND SENDS ME TO COLLECTIONS DESTROYING MY EXCELLENT CREDIT SCORE SO I AM DENIED CREDIT WITH XXXX XXXX ( documentation of denial unpon request ) See attatched XX/XX/XXXX LETTER RE : XX/XX/XXXX UNAUTHORIZED TRANSACTIONS I REPORTED {$470.00}. Stating temporary credits were made permanet *** there are no temporary credits to make permanet *** 1 ) THIS TOOK A YEAR TO COMPLETE THE INVESTIGATION. 2 ) THIS IS STILL UNRESOLVED. 3 ) THIS IS FTC ID THEFT CASE XXXX. USAA CLEARLY DOES NOT ABIDE BY THE LAW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: EQUIFAX, INC.
State: MA
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:
Good Saturday everyone and the management team ; I'm shocked that this account is still reporting on my credit report as it's still reporting incomplete and unverifiable information. If this account " was '' indeed verified or investigated, why is it still reporting 2 different dates of last active ( XXXX : XX/XX/XXXX ; and Equifax : XX/XX/XXXX ). It's impossible to have those variations between the credit reporting agencies and also, why are their inconsistencies with the payment history. For example, it show 's that the payment was marked " OK '' up to XX/XX/XXXX than all of a sudden on XX/XX/XXXX, it shows that it went into charge off status. Account status and payment history is incorrect just to name a few - It should say late 30/60/90/120/150/180 days late then charge off - Correct? It's imperative under the FCRA guidelines that the creditor or furnisher report accurate information. There are so many inconsistencies, incorrect, and incomplete information that makes this account unverifiable. This is in violation and it can not be reported. Please delete this account immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Good Saturday everyone and the management team ; I'm shocked that this account is still reporting on my credit report as it's still reporting incomplete and unverifiable information. If this account " was '' indeed verified or investigated, why is it still reporting 2 different dates of last active ( Transunion : XX/XX/XXXX ; and XXXX : XX/XX/XXXX ). It's impossible to have those variations between the credit reporting agencies and also, why are their inconsistencies with the payment history. For example, it show 's that the payment was marked " OK '' up to XX/XX/XXXX than all of a sudden on XX/XX/XXXX, it shows that it went into charge off status. Account status and payment history is incorrect just to name a few - It should say late 30/60/90/120/150/180 days late then charge off - Correct? It's imperative under the FCRA guidelines that the creditor or furnisher report accurate information. There are so many inconsistencies, incorrect, and incomplete information that makes this account unverifiable. This is in violation and it can not be reported. Please delete this account immediately from my credit report.

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 2023-04-07
Company: EQUIFAX, 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/19. In the week before XX/XX/19 I logged on to my Capital One account to pay my monthly bill. C1 's 1-time security pin for log on was sent, as usual, to my email account ; I logged on successfully and paid my bill. 
XX/XX/19. I attempted to log on to my C1 account and found that C1 had removed the option for email delivery of a 1-time log on security pin, leaving text/voice delivery to my phone. C1 HAD AT NO TIME INDICATED THAT DELIVERY OF A 1-TIME SECURITY PIN TO EMAIL WAS TO BE DISCONTINUED. I had admittedly omitted to inform C1 when I changed my phone number four years ago. On XX/XX/19 I phoned C1 to inform them that I could no longer log on to my account due to 1 )  THEIR REMOVAL OF EMAIL TO RECEIVE 1-time log on security pin and 2 ) change 4 years ago of my telephone number. I requested that C1 update my phone number. The clerk indicated he would indeed update my phone number. 
XX/XX/19. Still unable to log on : phone number NOT UPDATED, no option to receive 1-time log on  secure pin via my email. C1 asked for my drivers license as proof of identity and said it would phone me in 72 hours to resolve inability to log on to my account. My case number for providing my drivers license ( which I did ) and communicating to C1 on this issue is # XXXX. 
XX/XX/19. I have not heard from C1. I wrote to C1 indicating I would not be responsible for late payment of XX/XX/19 ( please note I pay my bill IN FULL monthly ) as I can not log on to my account. 
BOTTOM LINE : C1 changed its online User Interface and log on procedures without warning ; I have been prevented, now for 2 weeks, from logging on to my account and paying my bill of XX/XX/19. I clearly can not get any resolution from Capital One. Please advise.

Company response to consumer: Closed with monetary relief