BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX, trans union, XXXX all have many names and different addresses and they are not me nor are mines and some how my information was involved in a data breach and this has caused my very personal and important information is out everywhere and lately I have been getting lots of emails saying that I owe companies and also everyday Im getting calls even when Im at work or at home and this is stressful when these people have handed out my information!!!!! 
I had to get a lock for my social security number and yet people are still harassing me daily and its all XXXX, trans union, and XXXX fault!!! I only have a first and last name only My address is a private mailbox. So how could these people have information when I didnt give them permission to them!!! My first name XXXX  and I dont have a middle name and my last name XXXX! So who is those other names and addresses??? I have a private mailbox!!!

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 2018-03-01
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX XXXX has said TWICE now they have " run my credit '' for a credit card application. I have verified via my report they have not pulled my actual information. They have returned twice now I am not found, no credit history. Etc. They did not even respond to my first CFPB complaint and just found out yesterday they " closed my case '' without speaking to me. They clearly are performing serious fraudulent activities and will not even speak with me about what has happened. I was attacked on the phone and screamed at by a " XXXX '' whose only point was to tell me we had never spoken before. We didn't speak any further occasions either. Nor did any other members of this so called bank follow up. They just closed the issue with zero resolution.

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 2020-10-30
Company: Ascendium Education Group
State: ND
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Ascendium send notice. I do not know who they are. XXXX did not notify me of change. I have written XXXX over and over on deferment forms and they never responded to my letter or notes. I gave up. I do not have phone to call. They failed to correct payments that I did make. They did not accept emails either. According to Trump has deferred interest and payment until end of year. Ascendium says I owe at 6.8 % interest XXXX and XXXX plus XXXX collection costs for total XXXX by XX/XX/20. This company in following Fair Credit laws. Unfortunately, I do have that kind of money trying to just survive. 
Ascendium failed to provide a reasonable payment plan or deferment until it is affordable to pay. 
This organization is using a threatening and pushy tone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In 2017 American Education Services applied my daughter 's payments ( I am the cosigner ) to the wrong loan. Upon receiving notices of delinquency, both my daughter and I repeatedly called AES, and were told that the payments had been corrected and that the notices of delinqency were a mistake. It continued to be a problem, but they continued to tell us that the payments were being correctly applied. Subsequently, the loan was placed in default and sent to collections. Attached are documents clearly showing that the last payment on the loan prior to it being declared in default was made on XX/XX/2017 in the amount of {$130.00}. Also attached is a letter from AES dated XX/XX/2017 stating that the payment is 149 days delinquent, which was clearly not the case. My daughter, and I, again contacted AES, but it was by then placed in default, and they refused to even discuss the matter. Presently, the loan is in collections with a company called XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of my ( Experian, XXXX, and XXXX ) consumer report, and I noticed that it is reporting my experience with this company.

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 2022-02-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company doesnt have the legal right to collect on this alleged debt. I have repeatedly asked for them to identify the debt owner so that I may communicate with the original debt owner. This company hasn't validated the debt. I do not have a contract with this company SLS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: CITIBANK, N.A.
State: MA
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX XXXX XXXX {$5300.00} I HAVE TRIED CONTACTING THE MERCHANT WHICH LED TO DEAD ENDS AND RED FLAGS. I ALSO CONTACTED ATT UNIVERSAL CITICARD TO FLAG THIS CHARGE AS FRAUD. I HAVE BEEN DEALING WITH THIS CLAIM FOR MONTHS AND FINALLY WAS TOLD ON XX/XX/XXXX BY A MAN NAMED XXXX, A SUPERVISOR IN THE FRAUD/SECURITY DEPT, THAT THE CREDIT WOULD BE THERE BY THE 2ND WEEK OF XX/XX/XXXX. IT IS NOW XX/XX/XXXX AND I HAVE BEEN TOLD THAT I HAVE TO START ALL OVER AGAIN. THEY WANT ME  TO RE-SUBMIT A CLAIM LIKE IT NEVER HAPPENED AFTER I HAVE BEEN CALLING AND WAITING FOR MONTHS AND THERE ARE PLENTY OF RECORDS AND NOTES ON THE ACCT FOR ALL THE TIMES I CALLED AND THAT I WAS TOLD I WAS GETTING MY CREDIT BACK AND THE INVESTIGATION WAS OVER. I HAVE DONE EVERYTHING THEY HAVE ASKED ME TO DO AND THEN SOME. I HAVE A BEEN A CUSTOMER FOR A VERY LONG TIME SO THIS IS VERY SAD THAT I HAVE TO GO TO THIS LENGTH AND I EXPECTED TO GET THIS TAKEN CARE OF WITH NO ISSUE BUT THIS IS GETTING TO A POINT WHERE I M CONSIDERING CANCELING MY ACCOUNT AFTER 27 YEARS.

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 2020-10-30
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, how are you? Why is a collection shows past due and late payments? I thought by default a collection is by default late and past due. It's a violation of fcra and fdcpa and it's illegally re-aging this account. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29
Company: Cash Express, LLC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
On XX/XX/21 they ran two checks in the amount of XXXX and XXXX and sent my account in the negative and then turned around and ran two more checks on XX/XX/21 in the amount of XXXX and XXXX. Sent my account even more in the negative. This is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: Experian Information Solutions Inc.
State: TX
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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX has called me several times from Unknown Number. They called three times today and I answered the third time ( XX/XX/XXXX ). I asked them, isnt it illegal to call from an unknown number, and he stated that his company does not do anything illegal. They also called me from an Unknown Number twice on Thursday, XX/XX/XXXX, and I did not answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: CREDIT ACCEPTANCE CORPORATION
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I co signed on a car loan through credit acceptance. But in XXXX to my understanding XX/XX/XXXX I believe it was voluntarily repossessed by the other applicant. During that time the car was sold at auction and the balance to my understanding was left at XXXX. I have NEVER been contacted by credit acceptance until I reached out XXXX of this year and asked why not only was I NOT notified about the XXXX it had accumulated in interest charges but when I asked what I could do to get it taken off my credit I was told they could take it off for XXXX that same day or I could finance another car with them. I tried to get answers as to why I was never contacted about the debt and all I was told is they reached out. The only proof I was sent was a copy of the original contact. Im very upset because they have also updated my credit report several times with incorrect information in order for it to look like a new debt and allow more time for them to force me to pay whatever amount they ask. All Im asking is for someone to review the information. I am entitled to know of any debt in my name within a timely matter. They shouldnt be allowed to wait 5 years and then ask me to pay XXXX and never give me a chance to confirm the debt or allow me to make payment arrangements when the debt is in collections from XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: TD BANK US HOLDING COMPANY
State: CA
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 didnt use Charges after XX/XX/2018 they are fraudulents, I didnt eat sushi nor ate food after XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-28
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: Old information reappears or never goes away

Complaint:
ALL OF MY STUDENT LOANS WERE PAID OFF BY XXXX. BUT THE LOANS STILL REMAIN ON BOTH OF MY CREDIT AGENCIES AS OPEN. PLUS THEY ARE SAYING THAT I OWE XXXX XXXX XXXX AND THE DEPARTMENT OF EDUCATION AND THEY ARE BOTH IN THE SAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
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 recently went to check out a new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I noticed a couple of items on my report that are not mine. These items need to be deleted from my credit report : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, CHAPTER XXXX BANKRUPTCY  There are also inquiries on my credit report that should not be there either : XXXX/XXXXXXXX-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

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 2020-07-28
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Original loan balances {$19000.00} ( Subsidized ) and {$10000.00} ( non-subsidized ) Current loan balance {$45000.00} Amount paid since XXXX : {$110000.00} I had a few late payments and put the loans in deferment when I got divorced, but something seems really wrong here. 
AES recommended to place notes ahead of time on payments to pay the subsidized loan a certain amount, etc. Nothing helps to reduce the principal. 

XX/XX/XXXX : After graduating I began repayment of student loan XXXX XXXX XXXX ( XXXX XXXX XXXX : XXXX ) subsidized loan ( {$19000.00} ) and subsidized loan ( {$10000.00} ). 

XXXX My spouse and I were badgered to consolidate our loans via telephone, so we did. Then AES purchased the loans. Our interest rate is 7.63 % The unsubsidized loan : I am not sure how, but by XX/XX/XXXX our new balance was {$38000.00} XX/XX/XXXX All Loans Disbursement {$48000.00} new balance {$87000.00} ( There was no disbursement taken by us. AES can not explain this transaction or why my balance is now {$87000.00}. ) XX/XX/XXXX All Loans -Loan Consolidation {$39000.00} {$48000.00} ( Now my balance is $ XXXX AES can not explain why ) The Subsidized loan : XX/XX/XXXX our new balance was SUBSPC + {$13000.00}. 
XX/XX/XXXX : Current Balance of this loan : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: SYNCHRONY FINANCIAL
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2020-10-30
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have an account with Citibank. On XX/XX/2020 I logged in to Citibank online and submitted an inter-institute-transfer to transfer a large sum ( 90 % of my all of my balance with XXXX XXXX  ) from my linked XXXX XXXX  to my Citibank account. On XX/XX/2020, that sum was deducted from my XXXX XXXX  account and I was left with a small amount ( 10 % ) in that bank account. Not worrying much, as I thought the funds will be in Citibank account the next day or so. But till today, XX/XX/2020, funds never arrived in my Citibank account. I have spent numerous hours with Citibank customer service, filing various complaints, yet absolutely zero response to the date and no credit either. So I am without funds for more than a month.

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 2020-10-30
Company: CITIBANK, N.A.
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:
Refund credit from the merchant is not showing up on my credit card : I have purchased a product from XXXX online site, which was returned to them in unopened box within a week. They processed my return and claimed they have sent the credit transaction to my credit card bank Citi. But citbank is saying they have not received the credit transaction from the merchant XXXX. XXXX sent me their Credit Memo as a proof of refund that says my credit card is credited for the amount. I have spent over 12 hours on numerous call with XXXX and Citi customer service and billing team agents to resolve the issue. Citibank initiated a XXXX way conference call with them, me and XXXX to discuss the issue. In the call Citibank agent confirmed to XXXX that they did not receive the credit transaction for refund on their side. XXXX confirmed they processed and posted the refund credit. Both the merchant and the bank are blaming each other. Both parties wanted the other party to issue the refund and they do not want to resolve the issue on their side. 
Attached : 1 ) Credit memo from XXXX dated XX/XX/20 for the return for {$540.00} 2 ) Citi credit card transaction dated XX/XX/20 for the purchase for {$550.00} ( difference in amount due to extra gift wrapping charge )

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 2019-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Credit Bureaus keep on saying that the item displayed on my credit report are correct!! The accounts are not a charge off, they were paid off and were not late! I could not believe they did a full investigation on the accounts because they are incorrect!! I asked them for detailed response as to how the investigation went but they provided an XXXX XXXX verification.. Please remove the account asap XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation