BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-13
Company: AES/PHEAA
State: VA
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:
I recently went online to XXXX to learn about public loan forgiveness. I did not know that all this time, I've been playing back federal loans under the wrong plan. the website suggested I apply for the new program since I had more than 10 years of payment. I applied and have heard nothing. I also applied in XXXX and XXXX. I went back to the site in early XXXX to make sure I submitted everything I was supposed to submit to be eligible. when I went through the advice website ( which was not updated ) I was told to apply for an XXXX repayment plan and to consolidate my loans. I had two federal loans, one for my school and another a PLUS loan for my daughter. I tried for several days to call the phone number given but never got through, on a few occasions, when they called me back, they hung up on me before answering. In a panic, I filled out everything and got my husband to sign. I went back to the site on XX/XX/XXXX and created an account on XXXX to see if I could find the status of my application. in the electronic inbox, there were two letters stating that I should reconsider consolidating and that they were almost done with consolidating my loan. There is no way I would have seen letters in an electronic inbox of an account I had not signed up for ... .the letter stated that I would have to start over in order to qualify for the PSLF program. I paniced and called them to no avail, then ai sent an email stating that I never received the warning letters and to please stop the consolidating process. ON THAT DAY they quickly completed the process and paid off my loan. Now I am stuck with a consolidated loan I did not want and I've lost 10 years of repayment. It turns out that I was supposed to only apply for an ICR payment plan but the application is confusing and suggests that you also fill out the consolidation piece. It also states that you can not get PSLF if your loan servicer is not Fed Loan. I thought that since I did not fill out the consolidation form in XXXX or XXXX that was the reason they did not have my paperwork. this is fraud. I would like to see all of my applications that I sent to XXXX since XXXX and the documents that state exactly when they completed my consolidation. also, I want receipts that they actually sent me the XXXX letters warning me about consolidation to my home address or email address. this mistake has cost me more than repayment of my {$200000.00} loan, since I am XXXX I will not have 25 years of work to pay off the rest of the loan and I was told that I will not get my government retirement because I have loans due. PLEASE HELP ME I do not know where to turn and this is unfair. There is no reason that I would consolidate my loan if I had known that m y 10 years of repayment while working in public service would be lost. thanks for reading.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
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: Account status incorrect

Complaint:
XXXX XXXX XXXX : I paid the remaining balance IN FULL via my online XXXX XXXX XXXX  portal in the amount of {$140.00} ( the entire balance as stated on their website - SEE ATTACHED DOCUMENT SHOWING BALANCE OWED, AND PAYMENTS MADE ). 

-XXXX XXXXXXXX I was made aware of a missed payment only because I logged into the site to request that the account be closed. I called XXXX to understand what was late and why I had a balance on the account when I already paid it in full. They were unable to answer my questions and told me that someone would call me back. After not hearing back I called back in and spoke to XXXX who told me she saw the notes from my last call and would get back to me with answers on why there was a {$6.00} balance and then a {$7.00} balance after I had paid the balance in full. I spoke to XXXX again on XXXX and was informed that interest had been charged on the account along with a late fee and that these fees weren't visible when I paid the published balance on the XXXX website in XXXX. I agreed to pay the late fee and balance in full on XXXX with the understanding that the late payment report would be deleted from by credit report. Nothing was done by XXXX after this call and the late is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The Equifax credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX / XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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:
On XX/XX/22 I spoke with a rep at each of the following companies, XXXX, XXXX, and Transunion about the possibility that they were reporting fraudulent accounts on my consumer file. I pleaded with them to remove these accounts as I had no knowledge or information on where these accounts came from. I was told by all 3 companies that I needed documentation and to fill out an FTC report. I did just that and sent my letters via certified mail on XX/XX/22. After 30 plus days from sending my letters, the accounts are still showing on my report and were somehow verified even though they are not mine. I am extremely confused and frustrated over this because my family and I are trying to buy a house and this situation is keeping us from being able to do so. I called all 3 companies again on XX/XX/22, asking how they somehow proved that these accounts were mine but they only told me to contact the creditors directly and that they couldnt do anything else to help me. I tried contacting all the creditors that were fraudulently reporting on the consumer file, and without any surprise they had no knowledge of me or the accounts either. I am not sure what else to do and after researching online I came across the CFPB website that some friends of mine told me would help me with my situation. I really hope this helps because my family and I desperately need this house we are trying to apply for.

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 2018-02-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I noticed a charge on my account on XX/XX/2018 from XXXX   XXXX XXXX XXXX of {$24.00}. The phone number they listed with this charge is XXXX. 
I called my bank to dispute the charges and they told me that I have been charged this amount from this company every month for as far back as a year maybe more. I have never signed up with or given any reason for Experian to charge me. I tried to call the number on the charge and it immediately asked me for my ssn. I felt uncomfortable right off the bat because I did some research on this number and Experian and had come across other people complaining about fraudulent charges mad by a company claiming to be Experian. When they called, they were prompted to give their credit card info and/or ssn. After relaying their information, they were hung on and more charges were made. 
I laughed and hung up the phone. My bank is currently disputing the charges.

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 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to 15 USC 1681c-2 - Block information resulting from Identity theft. Please remove the following account as it does not belong to me. 

Fraudulent Account XXXX XXXX XXXX XXXX Fraudulent inquiries XXXX XXXX XXXX XXXX date of inquiry ( XX/XX/2023 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25
Company: Experian Information Solutions 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:
Im filing a complaint to you today to inform you I was the victim of identity theft. I sent the required documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you through this platform. Here are the items that are erroneous in my file and need investigation : 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 XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$400.00} XXXX XXXX  XXXX Balance : {$9800.00} XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$540.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor XXXX  XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$410.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: Sequium Asset Solutions, 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:
I was applying for a refi. XX/XX/XXXX I was told my credit score went from XXXX to XXXX because of a negative report by a collections company report for {$1600.00} due to XXXX. XXXX I called XXXX, gave my account number, told them I returned their modem XX/XX/XXXX, the day before moving to XXXX from XXXX, I could not find the XXXX receipt. She submitted a dispute ticket. No updates XXXX and XXXX. XX/XX/XXXX I called Sequium Collections, told them the XXXX info, they offered to settle for {$900.00}. Their info is all incorrect : name, DOB, address, account number. Only SS last 4 digits were right. XX/XX/XXXX I called XXXX, gave MY account number, who said my account had a " credit balance '' of {$74.00}, and it was NOT sent to collections. I never received invoices for the {$74.00} if its was owed. Just to be careful, I paid {$74.00} with a credit card, got a confirmation number, and we agreed that if it was not owed, they would pay me back. She said customer service dept will handle this by XX/XX/XXXX, and they will fix the problem with the collection company, gave me a reference number. I requested and received an email from them stating that MY account balance was XXXX. I sent info to XXXX, who immediately removed it from my info. XXXX and XXXX are still " investigating. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On several occasions I have disputed with the XXXX major bureaus the account listed on my report XXXX XXXX and XXXX, I have asked them to verify the debt, and sent me a accounting of how they came to these charges concerning an apartment complex I resided in. I left the apartment in better condition than it was when I moved in, so I have requested they validate, verify the debt, and provide me the detailed charges or a Itemized list of how they came to these charges. I also requested a signed contract where I agreed to pay them. 
I was never in a lease or agreement or contract with this company and they have not complied with the FCRA in providing me this information and continue to report on my credit file negatively affecting me. I have been mailing letters to Experian, XXXX and XXXX XXXX and they are stating its verified, by who, when I have no lease or contract with this debt collector. Please help in this matter I have not received any feedback from them except to kept saying they verified this debt, when it's no way they could have, or they would be able to provide me with the proof.

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 2021-01-29
Company: Niederman Stanzel & Lindsey
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Submitted financial affidavit to debt collector as in response to a civil action in XXXX County Superior Court which collector had brought against me. 

Debt collector contacted me by telephone on XX/XX/2021 and : * lectured me about civil court procedure and that the judge would not " look kindly upon '' the motions I had filed in response to a missed appearance. 

XXXX accused me of lying after I provided a detailed explanation of why I did not have income ( resigned a job under duress after learning of a conspiracy and estate fraud which is currently under investigation by the FBI ). 

* threatened to inform the judge presiding over the matter of my " excuses '' for not paying the debt. 

* stated that he " believed I was just the type of person who chose to run out on his debts ''. 

At this point I informed the debt collector that I had no objection to him notifying the judge of my circumstances, and terminated the phone call. 

Following the phone call I sent multiple emails to the debt collector which included : XXXX copies of a restraining order I had applied for against my previous estate attorney as a result of the estate fraud and criminal conspiracy against me. 

* written request for copies of the recording of the phone call which had just occurred. 

No responses by email, phone or other medium were ever received. Later that day the debt collector filed a motion objecting to my motion to vacate an arrest warrant and bail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, and XXXX XXXX XXXXXXXX have 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 Sectio
n XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2019 it showed up on my credit report, debt of XXXX. I contacted not only the credit collecting company but the originator of the debt and neither one of them had any information of me owning any money. So i said fix it, and they said they cant fix something they cant find, yet there it sits on my credit report. I disputed it and XXXX XXXX reported it as valid ... XXXX  .... Very frustrating. I would pay it .... Does anyone hear that ... They say there is nothing to pay.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Cedars Business Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Cedar Business Services, I have requested verification of the debt and it has not been provided. I continue to get harassed via work email. Confirm the debt owed, that it is mine, and that you are authorized to collect the debt. I ask that you provide all supporting documentation and information on how you arrived at that conclusion. This is my request and right under FCRA 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-07
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
i was charged XXXX on my bluebird pre paid card for a charge i did not approve. I submitted the complaint as soon as the transaction happened which was XX/XX/2019. They still dont have an update and it is almost 2 weeks. I called them two days ago about a provisional credit and they said it would be credited to my account in 10 days. After talking to them today, they said it is going to take 45 days to make a decision. Right now, i cant pay my rent, car note and car insurance because American Express Bluebird is taking a very long time to handle this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: WELLS FARGO & COMPANY
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Wells Fargo credit card prepaid card. Missed a payment, got a lot of late fees and interest fees. Tried to reason with Wells Fargo customer service to lower the fee amount and pay off the credit card. They refused and sent it to collections. Over {$3000.00} dollars in fees and interest. Dates are between XXXX XXXX current

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 2018-12-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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:
Good evening For the last month or so, a company has been calling my phone at least 2 times a day. The name of the company is Portfilio Recovery Associates. They call from different numbers and then doesn't want to identiy themselves. I dont have time for the harassing calls. You block one number and they call from another.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-07
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019 I wrote a letter to the credit bureaus about a collection account for {$480.00} I noticed on my credit report and stated that it was being reported inaccurately. On XX/XX/2019 I received a letter from the credit bureaus stating they verified the debt so I sent a letter to the collector, ( PMAB LLC ) on XX/XX/2019 requesting that they send me proof of the following : that this debt belongs to me, that they own the debt, they have a right to collect in my state, a copy of the original contract bearing my signature, proof that they can collect this debt, any copies of letters that were sent to me from them or the original creditor regarding this debt, how much they bought the debt for, chain of title on the debt, as well as proof of whether they owned or were assigned the debt. On XX/XX/2019 I received a letter in the mail from PMAB LLC which was a simple and generic print out. Nothing of which I had requested in my letter to them. Nothing of which proves this debt belongs to me or that they have a right to collect on this debt.

Company response to consumer: Closed with explanation