BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-26
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
FYI.. none of the prior options to select were pertaining to my issue : I received an XXXX Degree from XXXX   XXXX University in XX/XX/XXXX. Shortly after the school was called XXXX ( so have a degree for a school no longer in existence ). I have continually worked for a non profit organization and have paid income based repayments for over the 10 year requirement ( 12 years at this point ). I had initially sent required docs in XX/XX/XXXX to the Department of education so they would know that after my 120 payments, the balance should be forgiven. At that time I received a response that I had not yet made the required payments so to resend info once that part was complete. They mentioned no other issues. Then in XX/XX/XXXX after all required payments were made I sent a new request. I then received a letter stating that I was not consolidated with the right kind of student loan company ( which offers the option on their website ) so I wasn't eligible for the 10 forgives. My loans have increased by over {$10000.00} after paying for 12 years. Since the school switched to XXXX and XXXX failed, allot of students are having the loans wiped out totally. Apparently I don't qualify because my XXXX degree was completed. ( loan balance now XXXX - for an XXXX ). I am simply looking to get the forgiveness that was advertised on my loan holders website. I consolidated with American Education services. Initially was told I keep federal benefits consolidating through them. Working non-profit I have gone without raises for most of the years I have been here and in fact my income has dropped. Was recently told to reach out to CFPB to see if anything can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have been the victim of identity theft the following accounts were not opened by me : 1 ) XXXX Acct # 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 non-monetary relief
Consumer complaint received 2020-05-02
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I have accounts listed on my credit report with Transunion, in which I do not recognize. I reached out to Transunion via certified mail over 30 days ago. I provided Transunion all the necessary documents to remove the following account : XXXX XXXX  # XXXX. However, I have not heard back from Transunion nor have they remove the false accounts listed. I am reaching out to CFPB to help me resolve this issue.

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 2019-09-26
Company: EQUIFAX, INC.
State: NJ
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 got a copy of my credit report and wanted to dispute some accounts. I sent a letter to Equifax disputing the bankruptcies on my report on XX/XX/2019. I was disputing them according to Section 609 ( a ) ( 1 ) ( A ) -Equifax is required by law to verify through the physical verification of  the original signed consumer contract- any and all accounts they post on a credit report. They failed to provide Verifiable Proof ( as original Consumer Contract with my Signature on it ) Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed on the dispute. 

I received a response from Equifax on XX/XX/2019 stating that they verified all accounts and the items is being reporting correctly.. I did not agree so I sent a second letter to Equifax on XX/XX/2019 requesting they show proof, because they had not provided me a copy of ANY original documentations 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. I got no response from them. So I sent them no response letter on XX/XX/2019 because it has been more than 30 days and I had not received a response. I received delivery confirmation that Equifax received my letter on XX/XX/2019. In accordance with s.1629 ( 8 ) of the debt collection practices act, which clearly states that any  information known to be false, can not be reported to any credit bureau. I requested that they immediately delete the disputed information from my credit report. 
I got a response on XX/XX/2019 from Equifax. They had removed only ONE of the bankruptcies off my credit report. I did not understand why only ONE of the bankruptcies was removed from report. SO I sent another letter to Equifax on XX/XX/2019 disputing this bankruptcy. I am now filing a complaint because Equifax should follow the law when reporting to items to people credit reports. I would like items to taken off my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit 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:
We bought a dishwasher and it was broken. We called the store, they had us come in to order a new one and process the return of the old one. The manager told us the dishwasher would be picked up within 3 days, so we waited. They brought our new dishwasher and told us they werent taking the old one. So I called the general help line and spent 5 hours on the phone trying to get it resolved, the guy on the phone said the manager did not process the request correctly and he needed to reach out to the vendor to see if they would take the dishwasher, he said that someone would be calling me that day and they were scheduled to pick up the dishwasher on Monday. Well the dishwasher wasnt picked up on Monday, so I called again on Tuesday and spoke with a supervisor and he said everything would be taken care of and he would call me no later then Friday, nobody called me on Friday, so I called in and spent another 2 hours on the phone! I still have a dishwasher sitting in my living room and Ive received the bill on the dishwasher and Im afraid of getting a late charge and my credit being hit. I dont want to have to pay for 2 dishwashers.

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 2018-03-19
Company: Penn Credit Corporation
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This outfit robo-calls my home number 4 to 6 times a day. They never leave a message or anything. I do not owe anyone any money and have not for more than fifteen years. 

I have never received any documents from them or any supposed distressed creditor.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Credit Bureau Services Association
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX send a debt to collections that was not true. I have email where they told us to leave the apartment because the apartment was not equipped for us to live in.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wells Fargo bank was authorized to take money out of my account on XX/XX/XXXX. Instead they took it out on XX/XX/XXXX. Now they have me incurred {$200.00} in fees because there deceptive practices

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 monetary relief
Consumer complaint received 2019-09-26
Company: JPMORGAN CHASE & CO.
State: CA
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:
To Whom it may concerns : After several attempt phone calls with Chase freedom Credit Card dispute department, Customer Service, and branch visits my issue still pending since XX/XX/2019. I purchase sunglasses from XXXX XXXX XXXX  on XX/XX/2019 and returned them to company via XXXX on XX/XX/2019. Merchant received returned sunglasses on XX/XX/2019. Merchant did not return the money or refund me back claiming that he issue a credit to the bank. Since XX/XX/2019 until now I open dispute claims for the charges and provide bank with XXXX proof that merchandise was returned and still I am not going any where. Dispute department at chase they are so hard to deal with what hurt is that they keep asking for a proof that I return the merchandise and I keep sending it and always they say we did not get it on a timely manner and ask me to open a new dispute ... I am sure money is somewhere with chase and they do not want to refund me back my money. Please help I have family and I can not afford to pay for something that I do not have nor using.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-02
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX I contacted bbva compass regarding a charge on my bank account for {$560.00} from XXXX XXXX. I disputed the amount because it was for a service I never received as the gym closed down abruptly and wouldnt refund my money. The bank sent me a letter on XX/XX/2020 stating that my dispute was complete and they were giving me my money back plus any overdraft fees associated with this purchase. I contacted them multiple times and could not get a straight answer on why I didnt get my money back. Ive called multiple times and waited on hold over an hour. I also sent emails requesting that they handle this but no one will respond. I want the money owed to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-16
Company: National Credit Systems,Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or about XX/XX/2018 approximately XXXX hours. I received a phone call from XXXX XXXX of NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX, GA. The agent XXXX XXXX stated I owed XXXX XXXX {$3500.00}. I explained to the agent the debt is fictitious, and to cease and desist all communication with the aggrieved party XXXX XXXX. I have no contract nor engaged in commerce with NATIONAL CREDIT SYSTEMS or any subsidiary. The agent taunted, became belligerent and before hanging up abruptly! The agent ( XXXX XXXX ) stated " That's why it's going to be placed o your credit report ''. On XX/XX/2018, I forwarded a CEASE AN DESIST letter to : NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX, XXXX. to the attention XXXX XXXX. On XX/XX/2018, I received notification from XXXX XXXX and XXXX  that NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX, GA indicates I owe {$3500.00} in debt. This shows the malicious and criminal practice of this company. I have no contract and never engaged in commerce with the criminal organization. The company has committed a crime against the XXXX XXXX XXXX along with using subversive tactics to prevent any dispute of this fictitious claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
Accounts had been opened in my name as well as inquiries, my information has been compromize in recent data beaches, an FTC report had been filed and a police report # XXXX. 
Please block these information from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Bridgecrest Acceptance Corporation
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Bridgecrest refuses to allow me to make payments on its web portal.

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 2019-09-26
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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 was impacted by Hurricane Dorian in XX/XX/2019. The Governor of Florida declared my county, XXXX County, Florida under the State of Emergency order. In addition, the USPS suspended delivery of mail to my zip code, XXXX. Based on the foregoing, I did not receive my XX/XX/2019 statement from Target. I attempted to resolve this with Target but they are denying I was impacted by the storm. 

Because I did not receive my statement, I did not know I owed money to Target ( my payment due date was XX/XX/19 ). I only  learned that I was late when my credit reporting service alerted me on XX/XX/19 that Target made a negative reporting on my credit card. I immediately paid the balance due on XX/XX/19 ( {$10.00} ). 

I then called Target to dispute this matter and Target rejected my dispute and argued with me that I was not impacted by Hurricane Dorian. I had a wonderful payment history with Target up until this event and I am disputing their handling of this matter. It is clear that I was impacted by Hurricane Dorian and mail delivery was suspended in my area. I did not receive my XX/XX/2019 statement and was late with payment as a result.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-16
Company: Experian Information Solutions Inc.
State: NJ
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:
I am filing this complaint because XXXX  ( credit file confirmation # XXXX ), XXXX  ( credit file # XXXX ), and Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 2018-03-06
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 fraud alerts or security freezes

Complaint:
Trans Union has refused to remove my consumer statement and to provide an updated credit report reflecting that the statement has been removed. Pursuant to receiving my free annual credit report on XX/XX/18, Trans Union have failed to act upon my 3 written requests to remove my consumer statement.

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 2021-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Good Afternoon, My name is XXXX XXXX I am writing this email to report harassment from credit card dept collectors. I have credit cards from Capital one and XXXX XXXX. Unfortunately due to the time we are in with with Pandemic, i have been falling behind on my payments. I still manage to make my payments even tho i make them late. I am currently unemployed. I was laid off from my XXXX position over 8 months ago. I have been receiving tremendous amount of calls day and night from insane amount of different numbers. It is so overwhelming the amount of calls i get in one day, most times up to 5 calls within 10 minutes non stop. I have to leave my phone off though out the day because this is causing me XXXX. I believe i have enough XXXX from dealing with my sickly mother, no work and figuring out which bill i get to pay first with the little we get from unemployment. I can NOT pick a credit card payment over food or electricity bills.These companies are doing this to other people i know as well. I understand it its their job, but there is a limit. I will leave the different numbers below. As well as screen shots of all the calls i get. I hope there is something that i can do and/ or that you guys can do for me to help with these companies. people fall in more depression and anxiety with this pandemic, It is hard enough with these hard times for them to make it worse. I would appreciate it immensely if you would email me back at XXXX. Best regards and thank you. 

Phone Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX + Unknown callers ( private numbers )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Im being charged private mortgage insurance even though I have long since brought my loan to value under 80 %. Im being charge {$75.00} a month Ive contacted the company twice about stopping this charge and they have refused. At this point I have over paid {$1500.00}

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 2019-09-26
Company: EQUIFAX, 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:
Equifax and XXXX are reporting incorrectly a collection in the amount of {$330.00} on the XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of the bill I received. ) This account does not belong to me and was billed in error. Unfortunately, my daughter had an accident and needed to make a visit to the emergency room. I had accompanied her and assisted her in filling out her paperwork. The billing department must not have switched her insurance information over at the time of this billing and consequently this bill was sent to me and actually should have been sent to my daughter. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I Have a few errors on my credit report that need some attention. I would like my current and only address to show properly as XXXX XXXX XXXX, XXXX, SC XXXX. Please remove the following addresses XXXX XXXX XXXX, XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX. There is a account the I do not recognize on my credit from XXXX XXXX # XXXX. I would like the current phone deleted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX they are not mine please delete from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX, I attempted to temporarily lift my Equifax credit freeze. When attempting to complete the process online, the form prompts me to use my already established myEquifax account. Upon logging in, I get an error " We are temporarily unable to complete this request. Please try again later. '' I have had this same error in the past and filed complaints about it. It is almost like Equifax has locked me out of my account and will not fix it. I demand access to my myEquifax account as I should have a right to temporarily lift my credit freeze on demand like with XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
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:
Unable to access my account through the XXXX app. I am a newly single mom trying to save money every way I can. I have complained to Capital One via social media, but I probably will not hear anything else about it. Why am I unable to use MY information how I see fit?

Company response to consumer: Closed with explanation