BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-19
Company: AES/PHEAA
State: CT
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 record of Qualifying Payments for Public Service Loan Forgiveness is incorrect. I made 85 qualifying payments as of XX/XX/XXXX, the date of my most recent Employment Certification form however received correspondence from Fed Loans on XX/XX/XXXX and qualifying payments are still not accurate. Qualifying payments from my count as of XX/XX/XXXX should be 95. The attached document shows the error : the number of Qualifying Payments ranges from 48-55. 

In XX/XX/XXXX, Fed loans sent me a letter saying my qualifying payments were updated, they were not accurate. 
On XX/XX/XXXX, Fed Loans sent me a letter saying my employer certification form was incomplete for XXXX XXXX XXXX XXXX. I sent in the requested information and I haven't heard back. 
In addition, I also sent in a ECF for XXXX XXXX  XXXX XXXX in XX/XX/XXXX and I haven't heard back. 

The number of qualifying payments from XX/XX/XXXX is the SAME as the number of qualifying payments for XX/XX/XXXX. Thus, FedLoans did not update the XXXX XXXX payment ( {$1100.00} payment that took over 18 months to review ) NOR did they update the payments from the " in school deferment '' payments. 

In school deferment is in quotes throughout the message as I should not have been in, " in school deferment '' as I was working full time AND doing a XXXX XXXX XXXX program. I do have the letter that requested me to be out of deferment. 

I have made multiple calls to FedLoans. 

Included in this message : - XX/XX/XXXX statement saying they need more information for ECF - the updated ECF for XXXX XXXX that was resent ( uploaded ) XX/XX/XXXX - XX/XX/XXXX Direct Bill with qualifying payments - XX/XX/XXXX Direct Bill with qualifying payments - XX/XX/XXXX Direct Bill with qualifying payments - ECF for XXXX XXXX XXXX XXXX uploaded XX/XX/XXXX for which I haven't heard back - documentation of one time payment for XX/XX/XXXX payment - message from Fed Loans on which loan sequences were paid during in school deferment ( however all loan sequences were paid during this time ) - XX/XX/XXXX qualifying payment update by Fed Loans ( not accurate ) - original request to not be in deferment - follow up request to not be in deferment I want the record corrected to show the number of Qualifying Payments for Public Service Loan Forgiveness for all loans sequences to be 85 payments as of XX/XX/XXXX ECF or 95 payments as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-27
Company: National Credit Adjusters, LLC
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:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible.

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THE INQUIRIES LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. PLEASE THOSE INACCURATELY PLACED INQUIRIES NEEDS TO BE REMOVED OFF MY CREDIT.

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 2020-09-03
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for mortgage deferment during COVID in XXXX. My deferment was approved and I was provided both the written and verbal communication that I will be allowed to modify my load and defer these 3 months payment to the end of the mortgage. I resumed my payment in XXXX. 

My account continues to show not current and that I owed the 3 months of balance. I had tried to resolve this with Wells Fargo and they had provided written confirmation on on XX/XX/XXXX and XX/XX/XXXX that the deferment has been approved and the balance will be tagged toward the end of the mortgage terms. 

My account continues to show that I have a 3 months balance and not current and I am not able to even pay my monthly mortgage online. I had escalated this to Wells Fargo executive team and have been working with XXXX XXXX, XXXX XXXX. 

I spoke with XXXX on XX/XX/20, XX/XX/20, XX/XX/20 to discuss the letter and why. my account is still not showing current and I can not make mortgage account online using my joint Wells Fargo Checking account. He told me that it must have ben a technical glitch and to wait till close to end of XXXX and early XXXX to see whether they have been updated. I called again on XX/XX/20 to discuss this issue and again left a voicemail on XX/XX/20 to request a call back to resolve this issue by end of business XX/XX/20 and till this date, I have not received any response from Wells Fargo and my account is still showing with a 3 additional months balance and I am still not able to make online payment. 

Wells Fargo continues to make mortgage payment difficult which poses hardship to home owners especially during the COVID pandemic.

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 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
My mortgage was serviced by XXXX XXXX at the beginning of the COVID19 pandemic. A forbearance program was offered and I opted in. The mortgage was then transferred to XXXX XXXX ( XXXX ). 

XXXX XXXX assured me that all would be good. Despite their assurances, I received 2 hand delivered notices as well as incessant robo calls. When I would speak to anyone at XXXX XXXX, the would continue to assure me that all was good and things were on track for a loan modification. 

Approximately XX/XX/2021, I was notified by a credit monitoring agency that a significant event and change occurred on my credit report. Upon reviewing my credit report, XXXX ( d/b/a XXXX XXXX ) reported a delinquent account to credit reporting agencies. 

I am not clear how this is delinquent when I have been communicating with XXXX XXXX about the modification program since the loan was transferred and I have made 3 payments since the modification started.

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 2018-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have been mailing and faxing information to the credit bureaus to no avail. There are collection accounts that are appearing on my bill that are not my accounts. There were also false addresses in addition to false inquiries on my credit report. I spoke with representatives from all three bureaus. I followed all of the instructions that were given to me by all 3 bureaus. Which included filing a police report, contacting the creditors, and faxing all of the information to Transunion and XXXX and mailing to Transunion. I did exactly what was told and still the collection accounts, false addresses, and inquiries remain on my accounts. At this point Im extremely upset and do not know exactly what to do.

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 2017-09-14
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX # XXXX. I had complaint about this company before and I had not received back any correspondence from this company. It has been more than 30 days since and this account I demand to be removed from my Credit Report.Pursuant to the Fair Debt Collection Practices Act, XXXX U.S.C. Section XXXX, you are hereby notified to CEASE AND DESIT all further communication with me in regard to the referenced debt. 
Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26
Company: Square Inc
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/21 I was given a return of XXXX from cashapp in which I was scammed for by another person whom I gave no permission to use my account The said account that the money was returned to is closed and I cant withdraw my final funds or cash it out to another card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. 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, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, US DEPT VETS Company Inquiries : XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: EQUIFAX, INC.
State: DE
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:
" Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. We hope this resolves your concerns. If you have any additional questions, you may call ( XXXX ) XXXX or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. '' This has been the excuse given several times and not once have you provided proof of a valid debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
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:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

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 2021-02-26
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX is reporting my auto loan as still open when it has been paid off. 
All 3 credit bureaus are showing an open balance with XXXX XXXX and 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 2020-04-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ftc violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX inquires also for the above accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: EQUIFAX, 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:
There's information reporting on my file inwhich is a direct result of identity theft and these accounts went on to become closed but this is not sufficient I'm demanding that they be removed and blocked from my credit file. 

1 ) XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Santander Consumer USA Holdings Inc.
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hello, I used Chrysler Capital to finance my XXXX. Well long story short, I went with a local bank for better service. I had the local bank pay off my loan and Chrysler Capital applied the amount a on my due date for my payment but did not show the transaction on my online history. So, I paid the monthly payment amount of XXXX on XX/XX/2020 at XXXX XXXX. I have a confirmation number of XXXX. I talked to a rep from this bank on XX/XX/2020 Chrysler Capitol will not return my payment on the paid in full closed account unless I fax them my Bank statement with the transaction at XXXX. 
I do not feel Chrysler Capital needs to see what is in my bank account or any other transactions on my statement. I feel this bank is trying to fraud me out of money I do not owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Sequium Asset Solutions, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I picked up a number of different items at XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ) that I dropped off to be dry cleaned earlier in the week. 

Upon returning home, I discovered that 2 identical pillow covers had been damaged and ruined due to the merchant 's negligence. The pillow cover materials were frayed and there are now black stains on the covers not present at time of dropoff. I also had another pillow case that had the zipper destroyed due to the merchant 's negligence. 
Again, these pillow cases were in EXCELLENT condition at time of drop-off. In fact, 2 of the matching pillow cases were practically brand new ( purchased XX/XX/XXXX ) I returned to the dry cleaner the next day on XX/XX/XXXX to address these issues. 
PLEASE NOTE THAT THIS WAS THE 2nd INCIDENT OF RECEIVING DAMAGED GOODS & SERVICES FROM THIS MERCHANT. THE FIRST INCIDENT OCCURRED IN XX/XX/XXXX. 
The dry cleaner accepted my goods and tendered my payment, yet refused to take ownership or responsibility for the damage he caused. Merchant stated he would repair the damaged pillow, but he did not fix it after I gave him the opportunity to do so. Merchant also refused to refund my money for services and damaged goods, which is unlawful. 

I then filed a dispute with Citi and provided documentation and information to support my claim. Citi ruled in the merchant 's favor, even though my goods were damaged and I did not receive the service I paid for. 

I had another dry cleaner successfully repair the pillow cover with the damaged zipper on XX/XX/XXXX. This cost me an additional {$7.00} out-of-pocket.. 
I still need to replace the 2 damaged pillow covers. I also need to be refunded the amount I paid to clean the damaged pillow covers. 

{$120.00} - Cost of 2 lumbar pillows ( Wayfair ) {$7.00} - Cost to repair zipper ( XXXXXXXX XXXX XXXX : XX/XX/XXXX ) {$16.00} - Refund of dry cleaning damaged covers ( 3 x {$5.00} ) TOTAL : {$140.00} If Citi does not reverse this charge of {$130.00}, I will be filing a Small Claims suit in XXXX County ( XXXX XXXX, CA ) and will be including Citi as a co-defendant, alongside this merchant. I am NOT paying for goods that were damaged due to someone else 's negligence. 

I am disappointed in how Citi handled my dispute. I ask that the person who denied my claim put themselves in my shoes as a consumer. I'd like to know how this was deemed acceptable and why I should be expected to pay for a merchant 's negligence. I tried resolving it with merchant but he refused to take ownership, putting the blame back on me. XXXX XXXX and other cardholders would not treat their customers this way.

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 2016-10-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
The Credit Reporting has not sent me my free Credit Report after my written request.

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 2020-08-03
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I want my free annual credit report and or a complimentary credit report from all three credit bureaus. the reason for this request is updated info and victim of three scams online including fraudulent charges and identity theft.

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 2020-05-26
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: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. 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, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, US DEPT VETS Company Inquiries : XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: DISCOVER BANK
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I booked and fully paid for a cabin rental with XXXX XXXX for a stay from XX/XX/XXXX-XX/XX/XXXX. 12 days after we departed ( XX/XX/XXXX ) I was charged an additional {$460.00} for " damages ''. We did not cause any damages during our stay. Discover Card allowed the merchant to charge me and refused to reverse the charges after I disputed.

Company response to consumer: Closed with explanation