BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX, Transunion and XXXX  have constantly used their position of being consumer reporting agencies. The misuse and inaccurate reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA

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 2020-06-01
Company: EQUIFAX, INC.
State: NC
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX  XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
As of XX/XX/XXXX my federal loans have been consolidated with fedloan servicing. At that point I made the transition solely for the Public Service Loan Forgiveness ( PSLF ) program. I made this clear with the representative and was told that was what I was signed up for. In between XX/XX/XXXX and XX/XX/XXXX I followed up on this multiple time throughout the years and came to find out in XX/XX/XXXX that they needed more forms to include the PSLF form and employment certification. Since then till this date I have honored their request to submit forms and proof of my XXXX XXXX employment with the XXXX XXXX XXXX XXXX, which I have been enlisted full time with from XXXX XXXX -  presently. The multiple representatives I have spoken with stated I have been on track and had a case number XXXX after I got PSLF denial and submitted TEPSLF as I was told would be what forgives my loan. Today, I spoke with XXXX, employee number XXXX who stated without me knowing my account was in forbearance from XX/XX/XXXX -XX/XX/XXXX.  During this time no one made me aware of this or sent me information concerning this. My frustration is this whole time, I've done what they have asked and believed after 10 years in the programs the loan would be forgiven. At any point if I was told during the conversations in which I asked continuously if there is anything else I need to do on my part and gotten consistent " no 's '' that this loan being forgiven would happen this year from what the representative told me on XX/XX/XXXX, at XXXX CST. It just appears to me their was every very little intention on forgiving my loan. Instead I'm left with the impression that this was a scam to receive interest funds from loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On Sunday, XX/XX/2022, I realized I was under an Identity Theft attack. I called USAA and informed that that my account had been compromised because the hacker had taken control of my XXXX phone. I informed USAA 's customer service that a fake checking account and a new savings account were created in my name at USAA. And a new credit card was ordered as well. I asked USAA to close the new accounts and shut down my XXXX existing credit cards. They told me they would. They did not. I found out later that week that not only had USAA reactivated my XXXX credit cards, but they had also sent a replacement card for my existing VISA. On Wednesday, I discovered this. I spent 3 hours with USAA customer service. Meanwhile, {$1800.00} had been charged on my old card XXXX. The hacker also charged thousands on the new card. While I realize that I will not be liable for any charges, USAA 's lax security measures after I reported this situation has caused me great stress. I believe USAA 's security measures are lacking in effectiveness. I have lost confidence in USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Conduent Incorporated
State: MS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I recieve unemployment payments to my Eppicard. One day I noticed over XXXX dollars missing from my account in XX/XX/2020 so i made a dispute. Then ordered a new card after I recieved the new card XXXX more dollars was missing from my account again in XXXX XXXX I filed a dispute which no papers were mailed to me after representive told me they would come in 5 days. I got my new card and XXXX more dollars were stolen I made a dispute again in XX/XX/2020 which I was told they would send forms in 5 days. Not only did I not recieve forms for my disputes but you could not reach any over the phone to resolve the issues. After waiting I finally mailed a letter in writing in XX/XX/2020 describing my disputes. In return they finally send a letter saying they wouldnt return my XXXX dollars because they did an investagation and the information they got from the merchant. So I called and the information they gave did not make sense but they wont take a second look. I then asked about the other disputed which almost three months later they had did nothing for my claim. They just sent the paperwork for the other two claims a week ago which it is now XX/XX/2020. Before I could even send in my paperwork for the disputes I just recieved. They have already sent a letter saying they couldnt find fraud. What!!! I just got my forms to get my credit last week. This is Unbelievable these people are scammers and this proves they are not investagating these cases and not returning customers money. I have been fighting to get my money back since XXXX making disputes that they not even sending out so people wont get their credit. This company needs to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
my bank jp morgan has yet to credit my account for an amount of XXXX dollars that was sent by a company known as XXXX XXXX XXXX here in XXXX XXXX XXXX new york. This amount was presented to the bank on XX/XX/2019. This amount was confirmed by the XXXX XXXX  XXXX department of consumer affairs after a thorough investigation. That amount in question was never released by the bank to me. I am asking your agency to assist in securing the amount in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying for over a year with SPS to get help on my mortgage with back payments. SPS took over my loan XX/XX/XXXX from XXXX XXXX as I just got a wonderful affordable modification I can afford well in the meantime the loans was transferred and everything was a FIASCO for several months as I called everyday, In XX/XX/XXXX I was laid off due to the COVID-19 Pandemic I CALLED SPS to advise them they put me in a forbearance program I also was asking for help with the back payments I know I have a good low APR of 2 % I was not asking for anything lower just help with getting back on track with my payments to bring my account current and I have been given the run around for a entire year please someone look into my account and phone logs. I was told I had to assume the loan which I knew nothing about, I filled out several papers OVER AND OVER just to be denied everytime. In the State of NJ I was advised the Mortgage companies could NOT ask for all back payments due to the pandemeic which technically was from XX/XX/XXXX until now as of XX/XX/XXXX ' I got a full time job so I definitely can pay my mortgage I am willing to pay a extra {$200.00} with my current mortgage, I was told my account is with a attorney in foreclosure I have done everything and submitted everything SPS has ever asked for to avoid foreclosure and pay my mortgage I can afford my {$1500.00} monthly payment I only need help with the back payments not seeking a lower APR I DON'T WANT TO LOSE my home I have nothing if I lose my home. I lost my husband in XXXX ' as a extra income was taken and I promise I will do all I have to to keep my home and SPS is not willing to work with me for a year now .I was never notified by SPS by law 15 days effective the transfer that was my right, I just want SPS to work with me on my back payments I am willing and can afford my mortgage I am begging for HELP as I have for over a year with SPS and it seems all they want to do is foreclose they haven't tried to work with me I was even told by a supervisor XXXX on XX/XX/XXXX ' to go get a personal loan cause SPS can't help me. I was distraught this is effecting my health, XXXX XXXX XXXX possible XXXX if I can't get my pressure under control due to this stress, PLEASE HELP ME KEEP MY HOME I lost my husband I don't wan to lose my HOME we worked hard to get for 15 years ago. I even got scammed by a company who said they can help me by working with you charging {$1300.00} for 3 months and nothing but a DENIAL FROM SPS I am at the end of my rope for help I am XXXX  what do I tell my son if we lose all we got left.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Experian Information Solutions Inc.
State: VA
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 account # XXXX violating my rights FCRA dispute not resolved I have a right to privacy Account not mine The law states that a financial institution can not display my information or furnish information on my consumer report without permission. If I opt out, the congress states I am not to have my personal information reported. 15 USC 6802 AND 6801 B ( 2 ). 
Please remove the inaccuracies from my report immediately. Due to disclosures not being provided with my signature and MY RIGHTS TO PRIVACY the following must be removed, its the law. Without my written permission this inaccurate information must be removed.This is personal NON PUBLIC INFORMATION and to be protected according to 15 USC 6802 ( A ).

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 2018-02-07
Company: I.Q. DATA INTERNATIONAL, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To whom it may concern:I’m writing to complain about XXXX XXXX or XXXX XXXX XXXX XXXX. I’m sending proof of a payment done on XX/XX/2015 to XXXX XXXX in that time for XXXX dollars. I’ve had emails with the manager XXXX XXXX asking many time to contact sure deposit to clear this debt with no answer of them at all(XXXX). Now I’ve been contacting both agencies to clear this of my credit report, the answer of them is they have to wait to hear from XXXX XXXX to take out that from my record. I'm sending images of emails with manager XXXX(Spanish) and mails XXXX  manager from XXXX XXXX XXXX XXXX.I would appreciate a response from you in writing. Please let me know how to proceed, what need to be done to get this fix. Thank you for your assistance,Sincerely,

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I first informed the 3 major credit bureau that businesses has been adding hard inquiries to all of my reports. I hadnt attempted any credit or business from the particular companies in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is on my credit - this company was my sister in laws account - they have never provide documents, loans, or proof I was on loan. I only got tags for her in my name - and had them removed and turned in - Also the car was sold at an auction and they ares till reporting inaccurate balances, ownership its fraud- they are the only ones reporting inaccuracies XXXX XXXX is reporting fraudulently on my account / never received any documents signed or contacts on a card there was stolen from me and fraud documents were given to collection agency

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I've spoken to Transunion several times and a majority of the time the reps are very rude.. My last call was XX/XX/XXXX, I spoke with XXXX who claimed she was a supervisor.. I was following up on a dispute from creditor XXXX XXXX  that the Transunion claims to have verified as a valid debt. I asked could they send me the method of verification used or any information they have that validates this debt. She told me she didn't have any and that if I needed it to get it from XXXX XXXX. I went on to explain to her that according to the FCRA guidelines that it is my consumer right to request this information and that it is Transunion 's duty to provide it to me upon request and to also report factual verified information. She got upset with me when I started quoting FCRA rules and guidelines according to the law and told me if I didn't have anything further or anything else to talk about then have a good day and hung up on me

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 2020-07-06
Company: Experian Information Solutions Inc.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit 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 2021-07-24
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: Investigation took more than 30 days

Complaint:
I sent an offical letter of dispute on XX/XX/2021 and followed up with a complaint on the CFPB. XXXX  and Equifax did not respond and have not responsed in the given time frame and still the errors are present on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: Experian Information Solutions Inc.
State: KS
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 feel that there was not a through investigation done for my credit report and it return with updated information now was given to me as an update result the account from XXXX  XXXX  account amount {$2100.00} is not mind.

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 2019-11-13
Company: EQUIFAX, INC.
State: MI
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 CHECK MY CREDIR REPORT AND NOTICED THESE FRADULENT ACCTS. 

XXXX  XXXX XXXX/ ACCT : XXXX****/ ACCT OPENED XX/XX/XXXX {$300.00} XXXX XXXX/XXXX  & XXXX / ACCT OPENED XX/XX/XXXX {$85.00} XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX ACCT OPENED XX/XX/XXXX {$640.00} XXXX XXXX XXXX/ XXXX XXXX / ACCT OPENED XX/XX/XXXX {$830.00} XXXX XXXX XXXX/ XXXX XXXX/ ACCT XX/XX/XXXX {$570.00} XXXX XXXX XXXX XXXX  /ACCT OPENED XX/XX/XXXX / {$150.00} INQUIRIES : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX/ XXXX XXXX/ XXXX/ XXXX-XXXX/ XXXX XXXX/ XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24
Company: EQUIFAX, INC.
State: MD
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 sent Equifax a police report, my XXXX from the time this address and collection of XXXX was reported on my file, and also a dispute letter on XX/XX/2018. Today XX/XX/2018 I give them a call to see the status of the investigation, I was told I would have to wait another 30 days for investigation. I really would like to buy a car but I can not because of this collection and address on my credit file that is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22
Company: CITIBANK, N.A.
State: NY
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:
XXXX is order # from best buy for {$580.00}. Item was not sent by merchant and XXXX at Citibank refused to dispute the charge. Customer spent two hours plus trying to resolve dispute with BestBuy and Citibank to no avail. They failed to send item and yet I'm still being charged. Totally disgusting. Item purchased on XX/XX/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 2018-09-17
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have had continuous problems with XXXX XXXX. They are taking advantage of people with student loans under the Public Service Loan Forgiveness ( PSLF ) program. They will not consider taking into account I have made over four years worth of payments to XXXX XXXX before moving my loans to XXXX XXXX in XX/XX/2017. XXXX has yet to tell me how many total payments I have made toward my 120 qualifying payments before the loan is considered forgiven. I have made numerous phone calls ( more than 5 ) to get an answer to this question and have not received back any consistent answers. They currently say they have my loan under a review, but that it could take months for them to make a decision about how many of my payments should qualify for their program. They also claimed they would not considered any payments that I paid ahead ( I explained I did this because of building interest ). I was promised calls back numerous times and no one reached out to me or returned my calls. I have been with XX/XX/XXXX for over two months and have yet to receive any notification of how many qualifying payments I have made nor have I received a date of which I could expect to be eligible to apply for loan forgiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this debt is inaccurate incomplete unverifiable. does not have my signature and does not have correct social security number.

Company response to consumer: Closed with explanation