BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-01
Company: AES/PHEAA
State: NY
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:
My last initial payment owed to AES was XXXX. I payed them sometime in early XX/XX/XXXX like on the XX/XX/XXXX or the XX/XX/XXXX in the amount of XXXX dallors. They only applied about 60 dallors and when I asked why they said I have to pay interest, which made no sense. Interest accrues every month and according to a statement that had my interest it explained that its 6 percent for the year, which I surely dont believe they acounted me for. I disputed this reaction with my bank who saw through the deceit since I provided images to support my claim and they rewarded me back my XXXX dallors. Now, AES is saying Im 26 days past due and claiming my loan is delinquent. Can someone resolve this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
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: Information belongs to someone else

Complaint:
There are a lot of accounts in my report that are not familiar with me, I was a victim of identity theft and I have reported it to the police. I sent letters to the bureaus, but they did not send me any response.

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 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did an investigation to my credit report and noticed that the following accounts are inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. 



XXXX XXXX / XXXX / {$0.00XXXX XXXX XXXX / XXXX / {$0.00}

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 non-monetary relief
Consumer complaint received 2019-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This student loan is showing lates on my credit report, the debt is not mine, I was not in school at this time. This is fraud and the loan is not mine.

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 2021-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently had a notice for this company to contact me by mail for any correspondences because I hadn't received anything from them but the credit bureaus kept saying verified. How was this account ever verified when the address that they told me on XXXX was not my address nor has it ever been my address. I have not received any documents from LVNV. In my conversation with XXXX and supervisor ( I can not recall her name ) on XXXX the most recent conversation the representative dictated the WRONG address and said oh, that may be why you haven't received anything. I have disputed this account and the verification of this account with all the bureaus as well as with Resurgent ( LVNV ). I have NEVER received anything from them in regards to this account. 

When I asked the representative today what I could pay to settle this account because it was not my fault that I hadn't received anything she told me {$920.00} which I felt was unfair due to the fact that I was never notified of this account nor that they were going to place it on my credit file earlier. I feel this is unfair. 

In looking at my spam today after my knowledge of LVNV I found over 30 emails from XXXX XXXX in reference to LVNV dating from XXXX XXXX XXXX. How was I supposed to know about this account or any liabilities that I had from emails in a spam folder? 

How are these tactics above board? Why do I have to advocate so hard for myself when I am in the dark about this entire account that according to the representatives was sold to you in XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: CA
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 follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$100.00} XXXX  XXXX Bankruptcy Date XXXX : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

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

Complaint:
Discover 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: EQUIFAX, 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:
My personal info was used without my permission to open fraudulent accounts, unauthorized and unknown residenal addresses. 

XXXX XXXX XXXX XXXX XXXX : {$630.00} Date Open : XX/XX/XXXX Addresses XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tx XXXX Equifax XXXX XXXX Funding Date Open : XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX # : XXXX Date Open : XX/XX/XXXX Bal : {$630.00} XXXX XXXX XXXX # : XXXX Date Open : XX/XX/XXXX Bal : {$2800.00} Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Experian Information Solutions Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
On XX/XX/XXXXI sent a dispute letter to XXXX regarding an account on my credit report for which they claimed that I owed {$1200.00}. I challenged the accuracy, compliance and reportability of this listing because I am unaware of owing money to this company. I also requested to validate the information, and to provide me with any documentation associated with this account, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. And that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from their company or any company that they represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore if they can not validate the debt, they must request that all credit reporting agencies delete the entry. They did not respond within the 30 day period. On XX/XX/XXXX I followed up with another dispute letter to XXXX  stating that by not replying in a timely matter to my initial letter on XX/XX/XXXX, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I stated that I was making a final goodwill attempt to have this matter cleared up because the listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. On XX/XX/XXXX I received a letter back from XXXX  stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature. OnXX/XX/XXXX I sent another dispute letter to XXXX stating that they have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. I requested the description of the procedure used to determine the accuracy and completeness of the information. And additionally I requested for XXXX   to provide me with the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. OnXX/XX/XXXX I received a letter back from XXXX   stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature. I have been getting the same response since.

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 2022-08-11
Company: Hauge Associates, Inc.
State: IA
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:
I moved last year after i sent out an email stating i wanted to withdrawal from classes at XXXX XXXX. the school sent out my bill to the wrong address and i didnt receive the letter before the dispute date. i had to call or email before XX/XX/22, but i did not receive the letter before that. i talked to iowa central about my email i sent out saying i wanted to withdrawal, but they cant seem to find my email. i need a payment plan that will let me start paying in XXXX next year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: WLCC
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Loan was taken out in XXXX of 2019. I have paid over {$1000.00} for a XXXX loan and now I am receiving threatening letters from a debt collector. They are refusing to send me my payments and loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
On XX/XX/XXXX I sent a dispute letter to XXXX  regarding an account on my credit report for which they claimed that I owed {$1200.00}. I challenged the accuracy, compliance and reportability of this listing because I am unaware of owing money to this company. I also requested to validate the information, and to provide me with any documentation associated with this account, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. And that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from their company or any company that they represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore if they can not validate the debt, they must request that all credit reporting agencies delete the entry. They did not respond within the 30 day period. On XX/XX/XXXXI followed up with another dispute letter to XXXX  stating that by not replying in a timely matter to my initial letter on XX/XX/XXXX, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I stated that I was making a final goodwill attempt to have this matter cleared up because the listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. On XX/XX/XXXXI received a letter back from XXXX stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature. On XX/XX/XXXX I sent another dispute letter to XXXX  stating that they have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. I requested the description of the procedure used to determine the accuracy and completeness of the information. And additionally I requested for XXXX   to provide me with the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. On XX/XX/XXXX I received a letter back from XXXX   stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature. I have been getting the same response since.

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 2019-04-25
Company: Capital Management Services, LP
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Every day, I receive a call from XXXX, in which I do not pick up and this person leaves a message. It is a male, not a recorded voice and he sounds like he's talking in a call center ( i.e. background noise ). He has an American accent and voice is a deep tone. The voicemail is identical each day, never addresses any names, just says : " We have an important message from capital management services. This is a call from a debt collector. Please call XXXX. '' I have no debt, so know this to be a false call.

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 2019-04-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was charged for a service over the phone, i gave my debit card information to the clerk to charge me for {$290.00}. 

My bank statement shows I was charged {$2900.00}. They also said that I signed some contract which is a lie. I never did. 

After calling about the charge they said that someone would give me a call back in 24 hours. But in the morning I realized that they had blocked my number. 

This place is a scam. 

Merchant : XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: BTH Management
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX-XXXX 2017, I have sent multiple letters and contacted collection agency via phone, to validate debt showing that I in fact owe them money. I have never had a pay day loan, so when I reached out to them to provide documentation they were very unprofessional with assisting me. 

I would like to be provided validation or contract from this company for said debt! I do not have a contract with this company also this company does not have an active license to collect debt in WA state

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX provide me a letter for XXXX, XXXX and Equifax to update my credit scores and credit reporting agencies hasn't updated my credit scores and balance. 
As my utilization ratio is under 30 % in which my credit scores will be increase once credit reporting agencies update my credit and scores. 

I am going through a VA Loan process and I need my credit scores updated immediately so I can get a lower interest rate. 
Why is XXXX, XXXX  and Equifax not updating my credit report and scores.? 
Also for XXXX XXXX  XXXX # XXXX late payments is incorrect as evidence of my XXXX checking account ending # XXXX evidence states that XXXX, XX/XX/2019 XXXX XXXX was called in by phone on each month of the XXXX to XXXX XXXX  XXXX and they took the payments on time. 
Also, XXXX XXXX XXXX loan account # XXXX is on XXXX and not on XXXX  and Equifax.It needs to be added to XXXX and Equifax immediately. 

I am XXXX, XXXX and a US XXXX XXXX Military Veteran. 
Please support me on my XXXX XXXX XXXX XXXX under Department of Justice. 
Very Urgent Matters! 
Does XXXX, Equifax and XXXX  have a business partnership with XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
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: Was not notified of investigation status or results

Complaint:
If Equifax, XXXX and XXXX continues to ignore every dispute letter I send out I will have to take legal action against all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Miller, Stark, Klein and Associates
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received a threatening call from a guy who would not identify who he was that stated I owed XXXX over 700.00 and that he had a judgement against me. I do not nor have I ever to my knowledge owed this debt, if I did it would have been more than 11 years ago. I have an account with XXXX currently that has been in good standing for over 7 years. He would not let me talk, he had my date of birth, an address I lived at 10 years ago and the last 4 of my social security number. When I told him I do not owe this he started screaming at me that if I did not pay them today that they would garnish my wages and take me to court. He was very threatening, rude and hostile. When I told him they are a scam he hung up on me. I am very concerned that he has my dob and social. 
I called back and asked what the company name was and was told it is Miller, Stark, Klein & Associates. The girl then asked me if I had an account with them and when I said no she hung up on me. The phone number they are calling from is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
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:
On XX/XX/2018 I have asked Transunion to please updated my address with only the address listed on my drivers license. And yet there are still addresses I dont recognize o n my report. Please help me in getting the only address listed on my valid license listed on 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 2019-04-25
Company: EQUIFAX, INC.
State: CA
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:
six XXXX XXXX accounts were opened under my name with out my knowledge, these accounts were inaccurate and fraud account opened, i have disputed these with equifax because they are the only one who are reporting this inaccuracy please have this inaccuracies removed from equifax credit agency i will be attaching my police report and the FTC report which i have been providing equifax for the longest times thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have a 6 figure loan with Navient because I have XXXX XXXX and stayed on campus during my XXXX. I had a loan and was laid off in 2017 and my payment plan was not the same when I got on my " feet ''. It was like the loan started over due to a life event. Not only that, in 2017 when I requested lower payment, they couldn't let me pay what I could, I either had to pay over 1,000/month or put my loan on hold because I didn't have the funds. 

I was young when I got my loans before the recession and would not have gone to school if I hd to do it again. Navient has no soul.

Company response to consumer: Closed with explanation