BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-01
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have been trying to get answers about my application for forgiveness of student loans through the public service loan forgiveness program. Im trying to get a listing of which payments have counted towards the qualified payments they have to make sure theyre all accounted for. There are payments from prior loan servicers that I havent gotten information about. Its very frustrating because I could be done with student loans and Id like to make some life decisions for my family. 


Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 following accounts were not opened by me, nor was service received. Please deleted them from my credit report : XXXXXXXX XXXX XXXX. ( The company stated they would delete the account since it was open fraudulently, however they only closed it ) please delete account. The following inquiries were not done by me, so please delete : XXXX XXXXXXXX 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 2021-09-10
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: Was not notified of investigation status or results

Complaint:
I received a copy of my credit report and found the following item to be errors. See the attached copy of my credit report. Here as follows are items in error : 1. I have never been late with payments on this account. 
XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
I sent disputing letter to the Bureaus and Bureaus did not reply to my letters. It's been more than 50 days since I sent disputing letter to the 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 2021-07-27
Company: Social Finance, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I have a fraud alert and their security Team refuses to call Me and clear it my app is pending approval but they dont care to call me and take care of it its a simple verification process their giving me such a hard time what a horrible experience company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: BARCLAYS BANK DELAWARE
State: FL
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:
This is related to four tickets I purchased on my Barclay Card on XX/XX/XXXX to XXXX via XXXX - Merchant Name -- XXXX XXXX. Round trip flights from XXXX to XXXX for XX/XX/XXXX, supposed to return on XX/XX/XXXX. The flights were cancelled due to the pandemic. When I asked for a refund, XXXX told me the airline asked for 6 months. I understood and waited. I communicated with XXXX several times after and they responded that XXXX XXXX refund department would be refunding me my money. 

On XX/XX/XXXX I wrote to my credit card company to file a dispute explaining I was yet to receive a refund for four charges : 3 for {$600.00} and 1 for {$560.00} - a total of {$2300.00} Right after I sent the letter, Barclaycard opened up a dispute and credited my account. 

Fast forward to XXXX of XXXX, Barclaycard clawed back the refund and when I inquired as to why - the customer service rep said that the airlines said there was no fraud! Evidently there was no fraud and I never mentioned fraud - the services I paid for were not provided and I was asking for my money back. I had to explain to customer service the story again and they told me to send a second letter which was sent on XX/XX/XXXX. I have called upteen times to no avail. 

I checked my Barclaycard site this week and low and behold I had FOUR NEW CHARGES from XXXX XXXX. I called in and advised that THOSE were indeed fraudulent- I had not purchased those flights and they say they are going to investigate this and send me a new card. 

I also inquired about the original case where the airline cancelled my flight and they had credited and then taken back the money - case # XXXX ( not sure if the O is an O or the number zero ) - and the customer service rep told me that the case was closed!!! No one has reached out to me. When I told her how could this be, she told me I had to write another letter!!! I asked her to please escalate, that this was unacceptable, that I wanted to discuss this with someone in Corporate and she told me all she could do was escalate to a Manager. 

Please help me. All I want is my money back, and credit me back all the interest they have charged me and then I want to cancel this credit card as it is the WORST in Customer Service. I have called over 15 times, explained over and over to no avail. 

attached you will see screenshots of the communications with XXXX and the letters sent to BarclayCard. Barclay Card ending in XXXX Barclay Card Dispute = XXXX XXXX  XXXX, XXXX, Delaware XXXX Phone number - 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 monetary relief
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: MD
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2019-11-01
Company: Self Lender 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: Account status incorrect

Complaint:
Company refuses to work with me with account spoke to " XXXX '' a rep from their company via chat and unfortunately was told there's " Nothing they could do '' to help me fix this issue, I changed banks and completely forgot about this account that was auto-drafting from my account ; I tried fixing it w no resolution. 

Pleases remove negative marks / this account from my report immediately as it is not accurate or notify me how to fix the account + bring it current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX is reporting a judgment on my credit to all the agencies that judgment was discharged in XX/XX/2017 it is illegally fraudulently and on ethically being reported on my credit two years later it needs to be removed and my credit score needs to be adjusted immediately

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 2019-03-17
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 was having a problem paying down my CC I called XXXX XXXX and asked them to work with me and set up a payment plan. 
They set up automatic payments that they pull from my bank monthly and they are till reporting me late to the bureau I have called numerous times and asked for a letters saying I made my payment and to please assist with this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I have disputed Federal tax lien ref # XXXX with Transunion twice and even filed a CFPB complaint about how incorrect the item is reporting. The same item has been reported by the other credit reporting agencies and was REMOVED due to the incorrect information being reported. The filing date and even the amount is incorrect and this lien is not in any way, associated with my name, social, nor my DOB. This item must be removed immediately!

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 2023-02-28
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: IN
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under! XXXX XXXX XXXX. 

XXXXDEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report counting any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: PA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2023 at XXXX I received an email stating that my new account at Frost Bank was open. I did not and have never opened an account at Frost Bank. This is the second time it has been open. There was another account opened online at Frost bank on XX/XX/2023. They have been closed and reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
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:
I sent a complaint last XX/XX/XXXX, containing disputed items that I want to be deleted. Here is the list of items that I want to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$320.00} ( Original Creditor : ) XXXX Balance : {$300.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consider this as a follow-up to my previous complaint to make sure the listed items are removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 contacted all three Credit Bureaus/Agencies XXXX XXXX XXXX XXXX, TransUnion ) and the Creditors ( 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 involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

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 2018-10-11
Company: Experian Information Solutions Inc.
State: IL
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'm stating a claim " THESE ACCOUNTS ARE INACCURATE, INCOMPLETE, AND UNSUBSTANTIATED ACCUSATIONS AGAINST 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 2017-12-12
Company: Cottonwood Financial Ltd.
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Yesterday my daughter was contacted my a person named XXXX XXXX who made threatening statements about a lawsuit against me. The phone number she was given was for XXXX XXXX XXXX XXXX ( XXXX ). I called the number and left a message. I was unaware of any debt owed that would result in such action. 
When XXXX called me back she stated it was unresolved debt from a payday loan I 'd taken out in XXXX 2014. I know for sure that loan was satisfied. She stated I would be served papers and verified my phone number and place of address. 
The next day I got a recording stating I would be served papers at my place of residence or work and if I was served at work then I would need a supervisor or head of security to co-sign. I called then number provided ( XXXX ) and was transferred to a business that did n't identify themselves when they answered. They merely said hello. I asked who I was speaking to and was told XXXX. I attempted to talk to him about availability to be served court documents. He became extremely rude. 

He asked me if I had spoken to the original creditor ( The Cash Store ). I said I did n't, but I had bank statements and receipts to prove the loan was paid in full. He told me to expect to be served and the matter would be resolved in court. 

I called the Cash Store and was given the information to their corporate office. The person I spoke to confirmed the loan had been paid in full. She said if I received any other phone calls I should tell them to 'Cease and Desist '. I called the phone number back ( XXXX ). Again, the phone was answered by XXXX who did n't identify the place of business. I told him I had spoken to the Cash Store and the loan had been satisfied. I told them the representative said to cease and desist. He told me to bring all of that information to court and hung up on me. 

Part of what seems off is yesterday, XXXX XXXX did not have my employer correct and when I told her that was not my employer, she did not try to collect the information for my current place of employment. They also can not tell me how much the original loan amount was and the stated I had written bad checks. The money was automatically withdrawn from my account, which I have proof of on bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, I have been calls between the hours of XXXX XXXX. in reguards to an out dated debt of {$150.00} the person claimed to be representing Jefferson Capital Systems , LLC I was informed that if I do not pay the amount in question that my bank account, will subject to asset sizure. Including notifying credit card companies and reporting to all three credit reporting companies also stated that " they Jefferson Capital a group of people to place of home to obtain payment if not done so my place will be burned. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX  score reduced claiming :! ) Lack of recent installment loan information XXXX ) Length of time revolving accounts have been established, They would not explain the reason for this. 
They said there had no information about outstanding loans. I have no loans or late payments. I contacted TransUnion twice and they had no explanation why the XXXX score was decreased twice in the last several months, nor what I could do about it. They referred me to you.

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