BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-22
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I initially took out a student loan with XXXX XXXX XXXX XXXX to pay for a XXXX XXXX XXXX  studying at XXXX XXXX XXXX XXXX University   XXXX, training provided by XXXX XXXX. However, the training was less than satisfaction for all the students so the school had agreed to issue all students full refund on XX/XX/2020 in the amount of {$8300.00}. The refund was processed and confirmed by a representative at XXXX XXXX on XX/XX/2020 and confirmed again by the accounting manager of XXXX XXXX, XXXX XXXX, on XX/XX/2020. Please see attached email communications for details. 
The XXXX XXXX representative also referred me to their loan servicing company, University Accounting Service , LLC ( UAS ) for more details on the status of my refund check. I contacted UAS for the first time in XX/XX/2020 through their online contact portal asking them about the refund status and when the check will be issued. One of the companys representative responded by telling me they forwarded my question their accountant specialist who will get back with me for the details. No one from this company has gotten back with me. I waited approximately 2 weeks and decided to call their customer service number ( XXXX ) on XX/XX/2020. The representative who answered the phone informed me that I will need to wait from 45 60 days counting from XX/XX/2020 for them to issue the refund check. I monitored and saw that my account became {$0.00} balance ( from having {$8300.00} refund ) on XX/XX/2020 so I contacted the company again through their online contact portal and was informed that my refund was processed on XX/XX/2020. However, it has been over 10 days and I still have not received the check in my mail. I contacted the company again on XX/XX/2020 asking for the date the check was sent out. They have refused to provide me with any answers. As of today, XX/XX/2020, this company still refused to issue my refund or even confirm if they have send the refund check. Additional email communications are attached for your review. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: TX
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:
I have been a victim of identity theft XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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 Account # 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 a account without my written instructions.

15 U.S.C 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 explanation
Consumer complaint received 2021-04-12
Company: R & B Corporation of Virginia
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions 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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX : {$0.00} - This just proves your lack of proper record keeping. Now, this item is reported to be 60 and 30 days past due, yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that you have not abrogated my rights by reporting false information, otherwise, remove it 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 2021-02-11
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2020 I sent a letter with respect to off base and obscure things on my credit report, it's been more than 60 days after the fact and I have not gotten any reacts. As of this second, consumer reporting agency have not carried out their responsibility ordered under the law. I have an inclination that I am being exploited and being disregarded about my disputes. Inability to follow these government guidelines by credit reporting agencies are researched by the Federal Trade Commission ( see 15 USC 41, et seq. ). Likewise, Section 611 ( a ), it is doubtlessly expressed that an inability to explore these things inside 30 days gives motivation to quickly removed those items from my credit report it has been more than 60 days so they ought to deleted promptly. I request these accounts be deleted promptly or I will petition for prosecution because of the pressure that you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have not lived at the addresses listed except for XXXX Fl. 
The other addresses are my ex husbands where I never received mail nor did I ever live there. This is fraud! I only have XXXX XXXX credit card these other accounts are not mine. Please help me and direct me what to do. I want to file a complaint and charges against this person. 
Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Vehicle Solutions Corp
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Since XX/XX/2020, I have called my auto loan company several times to resolve this error on my credit report. On XX/XX/2020, my auto loan company reported that my account is 90 days past due with the balance of {$1500.00} ( which included a repossession fee ) and that my car is being repossessed. I did not understand why my car is being repossessed when I made a payment to them on XX/XX/2020 of {$390.00}. Although my payment is usually due on the XXXX, I paid this amount without a late fee because one of their customer service representatives offered me their COVID-19 relief program on XX/XX/2020 around XXXX. According to this rep, the COVID-19 program would defer my payment for XXXX once I made the payment in XXXX and sent my job letter. Which I did as instructed. ( proof will be attached below ) The next time I call in XXXX to make a payment I hear my car is in repossessions. On XX/XX/2020 around XXXX - XXXXXXXX XXXX, I spoke to XXXX XXXX this situation and she said this occurred because their system did not acknowledge my payment made in XXXX nor was there record of the covid relief program being offered. I sent her a bank statement showing her that payment was made and sent my job letter. She agreed to honor the deferment and told me it would be updated by XX/XX/XXXX. It has not been updated nor was my covid relief offer acknowledge. As of XX/XX/2020, I have called multiple times about this issue still not being resolved and I am unable to speak to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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 information incorrect

Complaint:
CFPB + Experian, On my XX/XX/2022 credit report there are comments under a closed XXXX XXXXXXXX account that I would like removed - attached to this complaint are : - my drivers license - my social security card - my address - my complaint letter - my Experian credit report Please have the comments, in the comment section, for this closed XXXX XXXXXXXX account, removed as soon as possible.

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 2022-01-10
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/XXXX XXXX called me yet again after i callrd them twice and ask that the stop harassing me when i get a check i will pay i did sent XXXX dollars that was i can afford they keep harassing i want it to stop now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-06
Company: Experian Information Solutions Inc.
State: LA
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:
All 3 bureaus are reporting this account as debt still being owed. This account was promised to be removed from my credit BUT HAS UPDATED TO 50 % PAID. I SETTLED THIS ACCOUNT WITH XXXX XXXX  AND IT WAS PROMISED TO BE REMOVED. SEE DOCUMENT ATTACHED. THE LAST UPDATE SHOWS I PAID THE XXXX AND XXXX IS STILL OWED. THIS IS INACCURATE

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 2023-03-08
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
car loan began XX/XX/2015 for a 72 month loan. I have been paying on loan for 7 years 5 months and they are stating loan isn't paid off. Everytime I call for payoff the amount changes from {$2100.00} to {$1200.00} to {$2700.00}. Changes on a daily basis. I've tried to ask why loan isn't paid off yet and they always give a different reason. I have proof off all payments and dates paid and how much which is usually higher than minimum amount because we have been trying to pay this loan off. I have loan agreement. They are reporting to credit agency I am late every month even though I have proof of payment. I have been paying on a 72 month loan now for 89 months. I need help.

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 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
THIS AUTO LOAN LISTED IS A FRAUDULENT LOAN THAT SOMEONE USED MY PERSONAL INFORAMTION TO OBTAIN THIS LOAN THE THEFT USED MY INFORMATION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA & # XXXX ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2021-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor 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 the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
On XX/XX/XXXX I filed a dispute with Transunion regarding information they had listed on my credit report that was not correct, The items were regarding 3 accounts. The first is for XXXX XXXX ; account # XXXX balance= {$560.00}. This account has been paid off and was disputed. The dispute update came back on XX/XX/XXXX showing this account has been paid off. However it remains on my credit report still with the balance of {$560.00}. 
The second account is for XXXX XXXX ; account XXXX balance = {$2500.00}. This account has been paid off and was disputed. the dispute update came back XX/XX/XXXX showing account was paid off. However it is still listed on my report still with a balance of {$2500.00}. 
The third account is for XXXX XXXX XXXX XXXX XXXX account XXXX balance= {$170.00}. This account has been paid off and was disputed. The dispute came back on XX/XX/XXXX showing the account was paid off. However it remains on my report still with a balance of {$170.00}. On XX/XX/XXXX I called their customer service rep and explained the issue. He stated what he was looking at showed these items were removed. However I explained to him I was logged into my paid Transunion account and do in fact still see them on my online report. He could not resolve the issue. I WANT THESE REMOVED FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX after multiple attempts to contact American Express Serve I was able to reach them. I notified them of Several fraudulent transactions on my account. I advised that I myself took out {$200.00} at an ATM on XX/XX/XXXX and that I hadn't realized my card was gone or used until XX/XX/XXXX. During that time may transactions took place and I didn't authorize nor make these transactions. The lady I spoke with said on the call " This definitely appears to be fraud on minute after your transaction was complete someone attempted a withdrawal at the same ATM and entered your pin incorrectly. '' Apparently they attempted it again and got the PIN correct. In the next 2 days they stole near {$3000.00} from my account. I filled out all the forms and sent them back in as requested. Only to be told that they are denying my claim. I went to the XXXX website to realize this is what they do with any suspected Fraud case they deny your claim then close your account on you. Even though they clearly advertise Zero Fraud Liability. I sent in and requested any and all documentation to prove it was me. If they can't provide a picture of the Suspect that stole my money how can they deny my claim. They are unable to provide any information that would warrant denying the claim. They also refused to even provide me the written documentation they claim they used to determine the fraud. With COVID-19 going on and the amount of money stolen I can't and won't just let this go!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: M&T BANK CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
M & T bank emailed be and said I would be receiving my new debit card in the mail, I received it to today and called the bank to tell them I didn't not open and account or request a debit card. When I first received the email, I reported it as phishing. 

The bank said it was opened in my name, with my ss # and correct address, they removed to debit/acct.

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 2019-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have several businesses that have taken me into a deep XXXX. I started working on my credit last XX/XX/XXXX and have gotten my record pretty accurate. I got my first credit card in XX/XX/XXXX and it was in good standing up till XX/XX/XXXX when capital one decides to close the account at no real logical explanation. XX/XX/XXXX I opened a XXXX bank account and during our business relationship we had some major communication issues and XXXX belittled me up until XX/XX/XXXX when I was notified they no longer want to do business with me! Both accounts were somehow involved with a XXXX fraud account that had applied these two to the fraudulent accounts and was debiting tedious amounts that took some months to notice. I contacted XXXX in XX/XX/XXXX to advise them of the fraud accounts and XXXX alleged to investigate the events and take action. I made several calls up to date and the accounts still reflect in my name. I dont understand why Im being done like this. I call and made complaints with all of them and have documented proof. I was part of the XXXX data breach and possibly the capital one yet they do not care that this is not my fault. I can not get a bank account because allegedly Im in XXXX XXXX but the report I got from said XXXX XXXX does not reflect much that renders that decision. Im so terribly confused at the turn of events and the level of treatment I have received. I just learned I was also part of the XXXX data breach from XXXX and was never notified. I have been on top of my credit and these listed accounts and they have dismissed me with no explanation that could help me fix the issue or offer up logical explanation. I have written cfpb and called FTC filed a identity theft report and offered it when necessary. Hand in hand these financial agencies have black listed me and shamed my name for what seems to me what is called a risk factor that I had nothing to do with. They all claim to have fraud prevention liability ect. Im a victim of that Fraud they speak of and they show no sympathy even if possibly at fault. I can not get a credit card for the life of me. I have been postponed starting college do to all this stress and confusion. The literature I have read in these regards is mind blowing conspiracy type incidents. XXXXupful explains they hold the rights to do what is listed above. What happen to our rights that clearly hold no purpose when exercised? Trust? Act? Privacy? The rights to be heard? The right to know whats being used against me on file? In the USA we call it the land of the free and our constitutional rights are implemented to help us remember! Why and to whom? This is all so pathetic and I truly believe this is rigged to keep poverty where we come from wow how rude!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I contacted Mitchell d. Bluhm on XX/XX/XXXX and advised that this debt was part of a bankruptcy, case # XXXX and it should not be reported or collected on any longer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27
Company: EQUIFAX, INC.
State: KY
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:
I requested an investigation of my accounts was not done correctly, or In Accordance With the Fair Credit Reporting Act. These accounts can not be reported as being open And closed at the same time monthly. These accounts need to be deleted because it is damaging my credit. I want a line by line reinvestigation on the accounts listed below. The accounts listed below have also violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681, they are show inaccurate information. XXXX XXXX XXXX Account # XXXX violated my federally protected 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. I never provided written instructions to furnish these accounts. I need the following incorrect names removed from my credit report too : XXXX XXXX, XXXX. Correct Name : XXXX XXXX XXXX.

Company response to consumer: Closed with explanation