BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-13
Company: AES/PHEAA
State: PA
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:
A Payment was made to bring the account current prior to AES/PHEAA reporting to the Credit Bureaus XXXX however AES/PHEAA deliberately reported that the payment was past 30 days and I believe it is in response to them being spiteful and them retaliating against me for reporting them to multiple Regulators. I can tell you right now that these complaints will continue, because future borrowers should be extremely aware of how AES/PHEAA operates XXXX They appear to create their own rules while ignoring Consumer Protection laws. It is no surprise that they were unable to prove beyond the shadow of a doubt that they weren't incompetent and/or creating situations for borrowers that were questionable, such as converting promised Grants into loans for educators. Ms. XXXX knew what was going on, and so do various other State Legislators. When payments are late but paid before you submit to the Credit Bureas, AES/PHEAA had advised me that they will not report that it was 30 days past due in the past. It is clear that people lie within this company. I've already seen multiple employee comments complaining about this company also saying that morale is bad and management treats people badly. There's a shocker. 

People are doing just this : https : XXXX https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Eastern Account Systems of Connecticut, 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:
I'm doing a follow-up the an earlier complaint account numbers : XXXX XXXX Under the Fair Debt Collection Practices Act, you are required to respond to my request for validation within 30 days of receipt of my communication. However, it has been more than 30 days, and I have yet to receive a response. Under both State and Federal consumer law I have the right to get have my debt validated, and you are obligated respond within the statutory time limit. 

Failure to respond to my requests for validation is a violation of the Fair Credit Reporting Act and may result in an investigation of your company by the Federal Trade Commission.

Any attempt to collect on this debt without properly validating would be in violation of the FDCPA and State consumer protection laws. Should you continue to attempt to collect this debt without validation, I have the right to sue you in small claims court and subject you to a fine of {$1000.00} per violation, as well as my attorney fees and court costs as damages. 

In addition, I would like to remind you that you are legally obligated not to report a debt that has not been properly validated to any of the credit bureaus. I understand we had communication through the cfpb system but I have never received a validation letter and still you sit on my credit report. I will not hesitate to report these violations my State 's Attorney General, the Federal Trade Commission, and file a complaint with the Better Business Bureau.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My mother sent me XXXX dollars to my account but American Express serve said I violated there terms by doing that it was money to help me make a down payment on my house her bank approved the transaction I have XXXX little girls under XXXX  yrs I have nothing then my tax refund was sent to that account of XXXX dollars they closed my account instead of calling or asking me about the transaction that was made it has the option to select transfer too account I dont need that need that kind of money on me to get robbed I been using this company for 4 years and this happens and they tell me I need to write them explaining about my money that is wrong and outrages please help me I have kids and that is all I had this happened XX/XX/20 help I'm a single mom

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
THIS IS A CASE OF BIG COMPANY USING THEIR POWER OF NOT REMOVING A FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I AM A VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OPENED AN ACCOUNT WITH BANK OF AMERICA, THEY HAVE ALSO MAINTAINED THE ACCOUNT. THE ACCOUNT IS CURRENTLY CLOSED, WITH XXXX BALANCE BUT NEVER THE LESS THIS IS A FRAUDULENT ACCOUNT AND BANK OF AMERICA REFUSES TO REMOVE THIS ACCOUNT. UNDER FAIR ACT CREDIT 605 THE FRAUDULENT ACCOUNTS SHOULD BE REMOVED ONCE THE IDENTITY HTEFT HAS BEEN VALIDATED. I AM VICITM AND I HAVE ALSO SENT THEM THE NORARIZED IDENTITY THEFT REPORT SO I CAN PROVE MY INNOCENSE, I HAVE NO IDEA WHAT ELASE I CAN SEND TO THEM TO PROOF THAT I AM VICTIM. REMOVE THIS FRAUDULENT ACCOUNT 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 2023-08-07
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I applied for discharge from my loans through the XXXX and XXXX XXXX XXXX ( XXXX XXXX ) application. They have specific requirements the determine discharge eligibility. One, you have to be awarded XXXX benefits for a term of 5 to 7 years minimum before recertification or reevaluation ( whichever it's called ). Second, you're physician can fill out a page that comes with the application stating that my XXXX are permanent or lasting a certain amount of years. Due to issues I'd rather not discuss I have not had luck finding primary care physician in a few years. I have a XXXX but she won't sign or file any paperwork or documents unless a special appointment is made when she will go over and fill out with me to be sure we are in agreement and both understanding of whatever is being signed. This appointment is not for 4 more months and I am not sure the rules for filing another application for discharge but they denied my application despite my award of XXXX benefits beginning XX/XX/2020 ( I think, I don't remember exact ) they stated I sent wrong documentation. But that was all they sent I have like 8 letters with just that sentence. Denied due to insufficient documentation. I submitted the complete Notice of Award with statement made by administrative law judge that he has awarded my XXXX benefits and recertification date is 5 years from date I legally became considered XXXX by the social security administration. I sent the my " Notice Of Award '' which states XXXX start date and date for review 5 year later as well as what my income will be and when payments begin etc. I got the documents straight from my account in SSA Website. The same legal documents that I have used to show proof of XXXX benefits as well as Doctors correspondence with social security me disabling conditions and statement saying XXXX last over a year to whole life. I don't want to have wait 4 months for doctor appointment to fill out the one page when I legally, according to their own very specific and straight forward conditions that need to be met for an approval for discharge of the loans and I meet the criteria. I don't know what other documents I could possibly send them to prove I am XXXX and judge ruled recertification or review of my case 5 years after start date. It's simple. Their are no other requirements. I am tired of getting denial letters from agencies when, I'm someone who reads all the fine print all the contracts and all terms of service even if it's 100 pages of terms of service before entering a website or creating a new account on some platform. I know exact rules and guidelines according to their own handbook ( or PDF document in my case )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a notification some time XXXX that a debt was owed by an account I did not open. XXXX my home was broken into and since then I have noticed identity theft on my credit report. I have been trying to get the company to send me information about the debt but I have had no luck. The debt was said to be open XX/XX/XXXX. The name of the debt collection is Rash Curtis And Associates. Original name XXXX  XXXX XXXX XXXX XXXX XXXX. While waiting on a response I have gotten a police report for identity theft and got a fraud alert on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: GOLDMAN SACHS BANK USA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My online-only Marcus savings account has been frozen for more than XXXX months ( since XXXX or XX/XX/2023 ) for unspecified reasons. I have been on XXXX lengthy telephone calls with customer service and another unidentified " department '' to try to address their concerns without success. I have answered all of their KYC questions ( name, password, XXXX, XXXX, " secret word, '' drivers license, etc. ). In early XXXX, Marcus requested and received a hard copy, notarized Affidavit of Identification. Still, my account remains frozen and I remain unable to access my funds. Whenever I call customer service, I'm told the unidentified department with whom I must speak is either closed or has a lengthy wait time. Last time, I requested a call-back, which was never received. 

I am a XXXX XXXX XXXX. During my 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 XXXX XXXX XXXX  As such, I appreciate and understand the importance of KYC procedures and OFAC requirements. 

Having satisfied each and every one of Marcus ' requirements, however, I am at a complete loss as to why I remain unable to access my online account. If I depended on these funds to pay bills, I would be destitute by this time. Marcus has acted unreasonably, ostensibly in the name of investor protection. I should be granted immediate access to my funds and compensated for the inconvenience and delay they have caused. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX is reporting a collection account on my credit report that they have made absolutely no attempt to validate the debt before placing on my credit. I have never heard from them and when I went to apply for a loan I learned that they were reporting an account that XXXX XXXX charged off 4 years ago. 
Not only did they not validate the debt before reporting it they are now re-aging the debt. They show the account opened in XXXX when it charged off at the end of XXXX. I complained to XXXX XXXX about a charge and they did n't respond and it led to a charge off. 

The account is also duplicated. XXXX XXXX is also reporting the account. 

That means there are XXXX violations due to a single trade line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: CITIBANK, N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I applied and received a Citi bank card where I could do balance transfers with no interest for 24 months. 
I transferred a XXXX balance .and an XXXX that is XXXXXXXX XXXX XXXX I was unaware at the time XXXX did not allow balance transfers. 
Upon looking at the Citi account there was a transfer, but it was not my account. I spoke with customer service several times and also wrote a letter of demand in XXXX to remove the XXXX transfer and reimburse me transfer fees. 
Each inquiry was given a 30 days to investigate. 
Each month XXXX, XXXX & XXXX customer service said it would open a 30 day investigation. I have not had the transfer removed and no communication from Citi. 
The last communication I was told to report my Citi card lost or stolen and this would freeze the account. I did not do this. I want that transfer removed and reinbursed the fees charged.

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 2023-04-25
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX DOB : XX/XX/XXXX Equifax XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX To whom it may concern I am in disagreement with the items listed below which still appear on my credit report even after your investigation.

Im writing to you in regard to Equifax Credit Bureau - Corporation ; I was rejected to get an account deleted from my credit report by your Customer Representative XXXX XXXX ; she says she cant do it and wont do it either. 

I am requesting a full investigation on this matter ASAP and requesting this account to be DELETE ; XXXX ) XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX # XXXX I received a copy of my credit report on XX/XX/XXXX ; Which contains errors that are damaging to my credit score. I am requesting the following items be completely investigated as each account contains several mistakes that need to be deleted from my credit report ASAP. 

Thank you in advance for your time. I understand that you need to check with the original creditors on these accounts and that you will make sure every detail is accurate. I also understand that under the Fair Credit Reporting Act, you will need to complete your investigation within 30 days of receiving this letter. Once you are finished with your investigation, please send me a copy of my new credit report showing that account DELETE from my credit report. 

I look forward to hearing from you as I am actively looking for a new job and wouldnt want these mistakes on my credit report to stand in my way. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2023 I received an email that both my checking and savings accounts had been closed. I had no idea this would be happening and the account had the only money I had. Between $ XXXX {$2500.00}. They gave me no motive that my account would be closing and offered no options to give me access to the money on the account. That was my rent money and I have now been issued an eviction notice. When I reach out to chime they are unable to tell me why the account was closed or if my check has been mailed. I am homeless because of this! I need to know if my check has been mailed and to what address!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Paypal closed my business account ( XXXX XXXX XXXX ) on XXXX XXXX. The message I got from them is that I violated their User Agreement and they are holding the money in my account for 180 days. My business transaction was legitimate. My investor sent $ XXXX through paypal for 1 % ownership in our feature films. Little did I know Paypal took {$150.00} of it and now the balance is {$4800.00}. I agreed to send him a refund so he can do a cashiers check for $ XXXX. That's when Paypal put an accounts limitations on it and requested docs which I sent. After docs sent I got that dreadful message not allowed to do business with Paypal.. I've been trying to get a hold of someone for an explanation, but this " relevant '' team they forwarded my problems to never got back to me. All I want to do is get access the money in my account and refund my investor, bur they put this ridiculous hold on my account without even telling me the reason. They have been trying to refund the $ XXXX through my business checking account twice and I got a {$29.00} NSF fee each time because of it. I can't understand why they would try to get the $ XXXX from my account when the money is the the Paypal account. These guys are shady. I simply want to get access to my money and give the refund to my investor. I don't want them trying to get it out of my checking account like they did twice before. My investor has been waiting 12 days now for a refund and shouldn't have to wait anymore. Paypal shouldn't be trying to get the money out of my business checking account either when the money is in the Paypal account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/XXXX my certified mail was delivered to Transunion at XXXX. To date, I have been ignored or they just trashed my letter as they have not attempted to verify the alleged debts reporting incorrectly.. I am escalating to cfpb as it is 90 days so I know they are in violation. I have no trust to send another notice there so I need your help.

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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-10
Company: AMERICAN EXPRESS COMPANY
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:
date : XXXX XX/XX/, amounts : {$59.00} + {$99.00} two transactions, Merchant : XXXX XXXX XXXX Bank : American Express credit card. 

I downloaded XXXX app on my XXXX XXXX XXXX  from XXXX store on XXXX XX/XX/2023. I paid {$59.00} for download XXXX XXXX on my XXXX  and {$99.00} for download XXXX  on my XXXX. I use American Express for both transactions. After i made the payment. I tried to use XXXX. it was not working on my XXXX  and XXXX. i did some trouble shootings still same issue. Then i purcahsed XXXX XXXX from app store on my XXXX. XXXX  works very well on my XXXX. then i purchased XXXX XXXX from app store on my XXXX. XXXX XXXX works very well on my XXXX. I found it is not my device problem. then i request refund from XXXX on XXXX XXXX XXXXXXXX XXXX denied my request. then i contacted XXXX. XXXX  only have email contact method. i emailed XXXX  3 times. i only got automatically reply while i sent the email to them. after that no further response. then i contacted American Express to fill dispute charge on XXXX of XX/XX/2023. The agent from American Express recommend me contact XXXX  again and denied my dispute reques. I contacted XXXX  on XXXX XXXX again. XXXX recommend me to contact American Express. Then i contacted american express again. at the meantime i request to talk to supervisor of XXXX. then i had phone call with American express and XXXX  together. they both just talked their own policy that is i am unable to get refund even the application not working. I entreat both parties. Finally American Express said could fill a dispute case for me. However, I will get the same result because XXXX has denied my refund request. they cant get chargeback for me.

Company response to consumer: Closed with monetary relief