BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-02
Company: AES/PHEAA
State: WI
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 loans have been paid off the same account, but the FEDLOAN does not reflect that. The payments should be the same, as they have been made on the same payment account. 

XXXX XXXX XXXX XXXX XXXX {$33000.00} Remaining / Disbursed on XX/XX/XXXX XXXX/XXXX Qualifying Payments Expected Forgiveness Eligibility  XX/XX/XXXX XXXX Eligible Payments 93 QualifyingPayments 6 PaymentsNeed Employment Certification 10 Ineligible Payments 2 XXXX  XXXX  XXXX XXXX {$34000.00} Remaining / Disbursed on XX/XX/XXXX XXXX/XXXX Qualifying Payments Expected Forgiveness Eligibility XX/XX/XXXX XXXX Eligible Payments 18 QualifyingPayments 6 PaymentsNeed Employment Certification 85 Ineligible Payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-28
Company: LJ Ross Associates
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent a certified letter to LJ Ross on XX/XX/XXXX request validation of a debt they have listed on my credit report. LJ Ross received the letter on XX/XX/XXXX. To this day, I have not received any information validating the debt, and they continue debt collection practices by reporting it on my credit. According to what I read on the CFPB 's website, they should not be reporting anything that they have not validated. Also, it has been longer than 30 days since I requested proof of the debt. I have not received anything. 

This has been very damaging to my credibility and has limited my ability to obtain better financing a terms with other companies. Please investigate to have this information removed and collection actions stopped.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ERC ( Original Creditor : 11 XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Accscient, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, Consumer sent NATIONWIDE RECOVERY SERVICES an intent to sue letter for violations of the FDCPA and debt parking. NATIONWIDE RECOVERY SERVICES refused to accept my mail yet they willfully and intentionally continue to violate my privacy.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-05
Company: Credit Central Holdings, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I always pay my loans on time and I also renewed my loans but fell behind payments and started getting harassing phone calls, visits to my house and threats, so I called up there the lady manager got loud and rude and started making threats to me about going to the court house she gave me until tomorrow to make a payment with a very loud rude voice Credit Central XXXX XXXX XXXX SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
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 credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that MACY'S/DSNB has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-07-18
Company: EQUIFAX, INC.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
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:
On XX/XX/XXXX, Experian added a collection account to my credit report for a medical bill resulting in a drop in my credit score. The only way I knew the collection account had been added to my report was when I applied for a mortgage loan on XX/XX/XXXX and the loan officer informed me. The collection agency, XXXX XXXX XXXX, is claiming I owe them {$660.00} for an unresolved medical debt. I have no unresolved medical debt and this collection agency has been reported to the Better Business Bureau for being unable to provide documentation validating debts they have reported. The XXXX XXXX XXXX website claims that they notify consumers prior to reporting the collection, which is false. I contacted the agency to try and resolve the collection and they advised me that they did not have my personal information on file including my address ( how would they have notified me? ). The agency states that they have to submit a request to their corporate office in order to have the collection deleted but state that it takes 3-4 weeks and the debt must be paid FIRST. The representative stated that they could not provide any immediate documentation of the collection being paid. Despite having limited information on the collection, they strongly encouraged my submitting a payment to resolve the debt over the phone and continued to insist on needing other personal information. This office is conveniently located in XXXX, near my residence, despite allegedly being a debt owed in XXXX. Experian made no attempt to validate the collection or collection agency information prior to adding it to my credit report. I have been informed that my personal data was compromised in the XX/XX/XXXX XXXX data breach. Coincidentally, two suspicious collection accounts were reported in XX/XX/XXXX. I contacted Experian to try and resolve the issue. The customer service representative I spoke to advised me that even if I were to pay off the fraudulent debt, that was most likely the result of the breach, but the collection would remain on my credit report for 7 years. 

Despite filing a dispute to try and resolve the issue, my loan officer has advised me that my current credit report does not reflect said dispute. The collection is a scam and it has caused my credit score to drop immensely putting my attempt at being approved for a mortgage in serious jeopardy.

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 2021-08-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently sent letter, dated XX/XX/XXXX to Equifax, regarding inaccurate information that they have been reporting on my credit report. That information is the following ; XXXX XXXX XXXX XXXX from XX/XX/XXXX, XXXX XXXX from XX/XX/XXXX, XXXX XXXX, Dept of Education, and Child Support. Its been 45 days and i have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
For the past several months, I have been disputing this inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus ( XXXX and Transunion ) in  which I requested these inaccuracies be removed. Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies is as : XXXX, ACC # XXXX. I also contact XXXX for the balance I had pay them before which was {$460.00} different than the one they reporting???

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 2019-10-24
Company: WELLS FARGO & COMPANY
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Today on XX/XX/2019, I tried to resolve an evolving issue regarding my privacy information with regard to my credit card that I had with Wells Fargo. There has been a business senior Vice President named XXXX XXXX and XXXX XXXX who has invaded my personal information to collaborate with other businesses and other business people in the community to make money and ruin my reputation. They would use every little purchase to combine forces to help themselves and hurt my reputation. All of my purchases and dates. They even combined forces with local baseball players including the XXXX XXXX players named XXXX XXXX, XXXX XXXX, and 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 2018-04-30
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom it May Concern : Back in XXXX of XXXX we had a mortgage litigation case against our mortgage servicer dismissed by a federal district judge. Our forclosure date is XX/XX/XXXX or 10 days from now. We are trying to work things out with the mortgage serivicer, Mr. Cooper/Nation Star but they won't allow us to do anything because they say the account is in litigation even thought it has been almost eleven months since the case was dismissed. We are not allowed to communicate with the trustee sale law firm because they are saying the account is in litagation, which at this point it is not and hasn't been since XXXX of last year. This denies us any attempt at a work out such as a loan modification.This is not right and seems to be illegal. Because of this delay, we are losing out on a chance to save our home from foreclosure. We are just the little guy being subjected to the illegal actions of XXXX XXXX. 
Sincerely, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: AMERICAN EXPRESS COMPANY
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:
I booked a hotel room on XX/XX/XXXX of 2021 for XXXXe night with XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX  via XXXX. The reservation was for {$660.00}. I cancelled within the time period of free cancellation and received an email that my cancellation was processed and that i would be receiving a refund within 14 business days. I never received my refund, i attempted to call XXXXXXXX XXXX and XXXX on multiple occasions before submitting a dispute with American Express, XXXXXXXX XXXX  said XXXX never cancelled my reservation, even though they sent me an email that they did and I never received a call back from XXXX. I opened a dispute with American Express and submitted proof of cancellation and received provisional credit because they are still waiting for a response from the merchant. I am concerned because XXXX 's will say that it was never cancelled but i have email confirmation and submitted that to American Express! The free cancellation should be enough to close the investigation. I revoked authorization, I need my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 this listed Agency ask for proof of validation. It's been more than 30 days and no response. I have no knowledge as to why this company is appearing on my report. I have informed them they are reporting non accurate information that is very harmful and at this point offensive. 

Account Name : XXXX/XXXX  XXXX  Account Number : XXXX Account was opened : XX/XX/2020 Account Balance : {$620.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-05-05
Company: EQUIFAX, 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. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Great American Finance Co
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My billing is incorrect I have notified them almost monthly. This is a furniture finance and It has promotions that excludes interest if paid by promotion dates I have paid all of the promotions by the date due to have them closed but there is one for XXXX that was paid and I am getting billing stating that it has not been paid and it's past due which isn't true The rep/sup XXXX threatened me and said that if I didn't pay today I would lose my promotion I attempted to inform him that the bill is incorrect and I needed it to be corrected prior to payment to ensure I am paying correct amount. I am willing to pay what I owe and nothing else To have manager call me to resolve billing issues send an accurate bill and remove all or any late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

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 2021-10-05
Company: Experian Information Solutions Inc.
State: GA
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:
After several attempts of contacting these 3 credit agencies to renove this fraudulent information listed on my accoutn after their suppose investigations. Which I believe was never done because at the time of these accpunts being opened I was in prison. I sent information that proves I was in 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 2020-07-11
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, I have disputed and requested investigation through XXXX credit reporting Co about complaints of re-aging a negative and erroneous collection report from Portfolio Recovery A ( collection agency ). XXXX  and Portfolio Recovery A has not provided my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and has not provided me with the date of first delinquency, nor the FCRA compliance date and the name of the party who reported the date of first delinquency ) The original creditor XXXX acct ending in XXXX is showing a balance of {$510.00}, which XXXX had reported first delinquency date before XX/XX/XXXX. However, ( Portfolio Recovery A ) continues re-aging an erroneous first delinquency date that should have been deleted from my XXXX credit report this year on XX/XX/XXXX. Portfolio Recovery A ( the collection agency ) has re-aged this account again and is showing that the original creditors ( XXXX ) date of first delinquency has been revised to XX/XX/XXXX, which is erroneous and harmful. I am requesting a deletion of this account immediately and am filing a formal complaint against Portfolio Recovery A and XXXX  credit reporting Co for illegal re-aging practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/2022, I made a complaint ( XXXX ) to Transunion about an amount that XXXX has listed on my credit report. Along with this complaint I sent documentation clearly showing that XXXX has knowingly and willingly placed information on my report that they have not and can not verify with full accuracy. Transunion acknowledged my complaint and claimed to have updated my report as a consequence. After looking at my report, I saw no changes and that the charges remained. 

On XX/XX/2022, I submitted a CFPB complaint against Transunion ( XXXX ) for allowing questionable information to appear on my credit report. Transunion again responded that my XXXX account was updated. Again, I saw no changes. 
In my estimation, Transunion is systematically sending false or misleading statements to the CFPB and is in violation of 18 U.S.C. 1001. The questionable information is still on my report, and XXXX is now reporting this debt 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 non-monetary relief
Consumer complaint received 2022-08-08
Company: TD BANK US HOLDING COMPANY
State: NE
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 never received my XXXX statement for my TD bank/target card. They reported a 30 day late payment on my credit report. When I found out about it, I paid the account in full and closed it. All this was even done before the payment would have been 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
My checking had no fees for payments to oversees merchants, but after making international payment and incurring {$58.00} fee, I found out about updates to the fee schedule on my Visa Debit Card. Upon complaint to the branch manager XXXX XXXX, I am told that the new update was allegedly disclosed to me last year. I found no such information using means of communication available to me, including email, postal and mobile banking application.

Company response to consumer: Closed with monetary relief