BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-17
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Southwest Credit Systems has been attempting to collect on debt that was settled with original creditor/prior collection agency. They have tried to collect on a telecommunication account ( XXXX ) via threatening means ( garnishment/legal filing etc ) and refuse to remove this from my credit report. They are fraudulently representing/attempting to collect on a paid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, 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 summited a complaint on XX/XX/ about some improper information reporting in my credit report. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below including my personal information. 
Correct Personal information : Full Name : XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, OH XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. Also I uploaded my a picture of my DL and the credit report showing the inaccuracies. 

**List Accounts Must be REMOVED** XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2018-05-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am applying for a consumer ( home equity loan ) and my lender is unable to obtain my credit report or scores. I have tried to remove any " freeze '' on my credit reports but the reporting agencies reflect I do not have a " freeze '' in place. 
PROBLEM : I can not remove a freeze nor can the lender access my credit report. 
I have made the loan application and have three days to resolve the access issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been mailing letters requesting that items on my credit report be verified with detailed information sent to me, as well as other information that were reporting inaccurate to be removed, and lastly I have gotten no response from them in regards to my requests. I have not been notified when an investigation was launched yet alone if it was completed. This problem has existed since XXXX of 2020. It's frustrating because the inaccurate information and unverified accounts are causing mishaps in my finances.

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 2023-02-27
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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX BANK XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2020-07-27
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:
I provided a notarized statement of fact that Ive been a victim of identity theft and the credit bureaus have not removed the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
company nameed " dynamic recovery solutions '' in XXXX, sc keeps calling and mailing saying to recover a debt that i dont owe. does not show on any of my credit reports. 

customer service number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
In order to REMIND the TransUnion Credit Bureau that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand the immediate removal of this! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$25000.00} ; XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Owed : {$990.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, 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 XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights. 

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 an account without my written instructions

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 2022-02-25
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe any debt to Credit Collection Services and XXXX. I have XXXX whole time and I received collection letter from Credit Collection Services regarding debt to XXXX. This is a fraud. Someone and/or XXXX forgery my signature for application and contract. Forgery and fraud are felonies. I filed police report regarding fraud and forgery with XXXX XXXX, TX police

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: AES/PHEAA
State: CA
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:
My student loan payments should qualify for Public Service Loan Forgiveness as I work for a qualified employer and have made regular payments over the past ( approximate ) 7 years. My loan servicer has not qualified all of these payments and I would like to know why. I requested a payment tracking letter from XXXX  XXXX   regarding payments that qualify under the Public Service Loan Forgiveness. I requested this breakdown of qualifying payments approximately XX/XX/XXXX. I was told that it would take up to 2 months to complete. I checked back in XX/XX/XXXX - it was still reported not complete. I continued checking in every few months and was told that it was finally complete in XX/XX/XXXX and would be sent immediately. I never received the payment tracking letter and have continued calling to check up on/request it and have still not received the promised payment tracking letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I've been a long standing client with JP Morgan Chase Bank. I have had a banking relationship with them for over 15 years and my account has never suffered from an overdraft, low balance or any other account problem. 

On XX/XX/2018, I received a call from someone from XXXX XXXX from Chase Fraud Investigations questioning a series of transactions on my account. I explained to the representative that I recently got married in XXXX and the transactions were withdrawals to pay for wedding related expenses. After a brief conversation, we hung up the phone. 

About 2 weeks later I went to use my debit card at a store when my card was declined and the transaction did not go through. I contacted Chase and was informed that the bank had made a decision to close out my checking account. The only explanation I received was that the relationship is an at will relationship and the bank can choose to close out my account at any time with no explanation. I was in disbelief and outraged by this extreme course of action. I attempted to speak to a supervisor and unfortunately it went nowhere. Anyone I attempted to speak with only provided me with the same justification : the relationship is an at will relationship and that Chase bank has the right to close my account with no cause or explanation at any time. 

We are talking about a 15 year relationship. Additionally I have multiple credit cards and a mortgage through the bank - Which have all been maintained in very good standing. No late payments, no delinquencies or any other blemishes with the relationship. 

At that point I decided to contact the JP Morgan Chase executive office to further attempt to escalate this issue. I asked them if they have any questions or need any additional details, I would be happy to provided it but I was asked no follow up questions. Again, after a week of " investigating, '' they came back with the same line as they previously provided. 

I am seeking escalation of this matter and a reopening of my account. I am happy to provide additional details and information. Just because I got married isnt justification to close my deposit relationship that has only been maintained to the highest level. I believe this particular matter has been dealt with in the right channel within Chase bank and I am reaching out to ensure this is re-reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Chase bank has been applying my payments to the part of my balance that has a much lower APR, instead of paying-off the newer part of the balance that has a much higher APR ... I feel this is incredibly deceptive as well as unfair because it keeps that new, Higher APR purchase on the books essentially forever! This is on my Chase Slate card. I was under the impression that payments, by law, had to be applied to the higher APR portion? Furthermore, what is completely unfair is that Chase will not tell you your balance!! I called them 2x today, XX/XX/2018 to ask how I might keep track of the balances that have different APR 's, as I pay off my debt, and in the age of computers even they told me they would not offer that breakdown ... are you serious? It is clear to me that their process is intended to keep the customer either perpetually in debt or indebted as long as they possibly can. And they hamper your effort to better your debt situation. This is totally lame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: DISCOVER BANK
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: Old information reappears or never goes away

Complaint:
I have submitted a complaint with you about the incorrect reporting through Discover and XXXX XXXX. They are still affecting my credit and I haven't heard from either of them about these account. All they keep telling me is that they are working on " getting me the information '' Its been a month now. XXXX XXXX is the only on that gave me a date XX/XX/XXXX that I would hear back nothing about what that would be.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: Bread Financial 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My wife and I were shopping at XXXX XXXX XXXX XXXX, We visited the customer service desk to obtain a membership card for her thru my account. The representative took care of our matter and offered a preapproved credit card that I initially declined the offer, after a sales pitch we can save XXXX a gallon on fuel plus any other offer they have by using the card and assured it was preapproved my wife encouraged me to move forward with the offer. The representative at XXXX XXXX asked me a few questions and said the card will arrive in the mail about 10 days. All was well till I got a letter from XXXX XXXX XXXX  rejecting my XXXX XXXX credit card due to to many new credit in the last 12 months. My initial decision to decline the offer was to avoid an other hard inquiry to my credit bureau 's. XXXX XXXX XXXX blamed this on XXXX XXXX   customer service, XXXX XXXX customer service told me in no way did they have anything to do with this situation, It Was XXXX XXXX XXXX showing them on computer screen I was preapproved from XXXX XXXX XXXX web site. Representative at XXXX XXXX  told me this happens a lot.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been trying since XX/XX/2018 to get my loans recertified for an income-based repayment program, and due to errors by the servicer ( XXXX ), my recertification was delayed, and now, I have been placed into an inappropriate repayment plan. 

My recertification request, with my tax return and my spouse 's tax information, was submitted on XX/XX/18 ; after a request for additional income documentation on XX/XX/18, I provided that information the same day. 

On XX/XX/2018, I was notified that my request could not be processed, and on XX/XX/2018, I received a letter informing me that the issue with processing my recertification request was because my tax return had not been provided. I called XXXX, and after a discussion with Customer Service, it was agreed that my tax return had already been provided and that my application would be sent back for review. 

Despite repeated attempts to check on the status of my recertification, it took weeks longer for my recertification to be processed, and on XX/XX/2018, I learned of a new issue. My recertification was approved, however, after it was determined that I did not qualify for the repayment plan that I requested, and rather than placing me into a repayment plan with the next lowest payment ( IBR ), I was placed into REPAYE, which because it includesmy spouse 's income in its calculations, will increase my payments by approximately {$850.00} higher than IBR, the lowest repayment plan I qualify for. 

Per the XXXX representative I spoke with, my only option was to start the process over again with a new recertification application ; even though they had failed to follow the instructions of the program requirements of placing me in the lowest repayment plan I qualify for ( since I did not qualify for the one requested ). 

Unless I pay more than I should be having to pay, I will now be losing the ability to make qualifying payments for at least the next month, if not longer. There have been repeated errors and delays with the processing of my recertification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This letter is regarding account 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 XXXXXXXX which you claim my account is chargeoff. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting, validation, that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue, I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please note : This notice is attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

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 2019-08-22
Company: AES/PHEAA
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: Account information incorrect

Complaint:
The payment history shows current one month and 60 days late on the very next month. This item is reporting incorrectly and according to the FCRA it is not reporting 100 % accurate and should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A company identitying themselves as " portfolio recovery associates '' has repeatedly contacted my mother asking her how to get in contact with me. She lives in another state and has a different last name, they have contacted her 23 times in one week and made threats of legal action against her. I made contact with this company at the number XXXX XXXX XXXX on the morning of XX/XX/19 and identified myself and requested they stop contacting family members and was told " we can call anyone we want ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX creditor has violated my rights. 
10 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2019-08-22
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was trying to purchase concert tickets through XXXX and it ended up being a scam. I sent {$86.00} through PayPal and I am unable to cancel the money and they declined my dispute for a refund as I authorized the transaction. Yes, I sent the money but I never received my tickets at this is a scam I now see all over XXXX.

Company response to consumer: Closed with explanation