BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Based on the provided account information from the credit report for XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), here are the inconsistencies and incomplete information among the XXXX major credit bureaus ( XXXX, Experian, and XXXX ) : Account Number : XXXX and Experian report the account number as " XXXX. '' XXXX does not provide an account number for this account. 
Account Type : XXXX reports it as an " Open account. '' Experian reports it as an " INSTALLMENT '' account. 
XXXX does not provide an account type for this account. 
Account Type - Detail : XXXX reports " Open account. " Experian reports " Debt Buyer. '' XXXX does not provide an account type detail for this account. 
XXXX XXXX : XXXX and Experian report " Individual account '' as the bureau code. 
XXXX does not provide a bureau code for this account. 
Account Status : Experian reports " XXXX '' as the account status. 
XXXX and XXXX do not provide an account status for this account. 
Monthly Payment : None of the bureaus report a monthly payment for this account. 
Date Opened : XXXX and Experian report a date opened of " XX/XX/XXXX. '' XXXX does not provide a date opened for this account. 
Balance : XXXX and Experian report a balance of " {$2000.00}. " XXXX does not provide a balance for this account. 
No. of Months ( terms ) : Experian reports " 1 Month '' as the term for this account. 
XXXX and XXXX do not provide a term for this account. 
High Credit : XXXX and Experian report a high credit of " {$2600.00}. " XXXX does not provide a high credit for this account. 
Credit Limit : None of the bureaus report a credit limit for this account. 
Past Due : None of the bureaus report past due information for this account. 
Payment Status : Experian reports " Seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department '' as the payment status. 
XXXX and XXXX do not provide a payment status for this account. 
Last Reported : XXXX and Experian report a " Last Reported '' date of " XX/XX/XXXX. '' XXXX does not provide a " Last Reported '' date for this account. 
Comments : There are comments indicating a dispute, and the consumer disagrees with the information. This information is consistent among the XXXX bureaus. 
Date Last Active : XXXX and Experian report a " Date Last Active '' of " XX/XX/XXXX. '' XXXX does not provide a " Date Last Active '' for this account. 
Date of Last Payment : None of the bureaus report a date of the last payment for this account. 
Two-Year Payment History : Experian reports " XXXX XXXX' ( charge-off ) for all months in the two-year payment history. 
XXXX and XXXX do not provide a payment history for this account.

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 2021-11-20
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Jet Blue credit card through Barclay 's Bank for a few years. I used it and carried a modest balance. I have never complained about the interest rate and paid my bill on time. About two months ago, I purchased some furniture. Not thinking about it I decided to put a piece of furniture on this card. I am not sure what I was thinking really but I certainly did not think that I would get no promotional rate at all! Most cards offer this on new purchases for at least six months to possibly a year! If I would have known this or realized it I could have financed the furniture through the major retailer, I purchased it from or opened a credit card through them with a 0 %. I have good credit. I would have qualified for the financing or the credit card for sure. I seen when making my last payment online that I am now paying {$35.00} per month in interest. I was stunned. I contacted the bank immediately through their online messaging asking if something could be done. I am experiencing a hardship as it is. I don't want to have to go into a settlement with this card and ruin my credit. This is unreasonable. I want something done and the high interest refunded for the XXXX months or I am going to have to make an unpleasant and serious decision as I am not going to be able to pay my bill..

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 2022-01-10
Company: AES/PHEAA
State: MA
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:
In XXXX, I received an email from the department of education stating that I may have an additional 4 months of qualifying payments for purposes of PSLF. Currently, I am on track for forgiveness in XXXX, but if those payments counted, then I could reach 120 payments this month. I submitted an ECF on XX/XX/2021 and have not heard back. I have called FedLoan and they can not provide any details on when I will receive a final payment count.

Also, there have been months over the years where I have paid in excess of the amount due in that month. I would like those excess payments to count toward my total payment count.

I would like assistance in getting a final payment count from FedLoan and processing my PSLF application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S.C 1681 Section 602 A states the right to privacy.

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. 


Hard inquiry XXXX XXXX hard inquiry XXXX XXXX HARD INQUIRY XXXX XXXXXXXX XXXX XXXXXXXX HARD INQUIRY XXXX XXXX HARD INQUIRY XXXX XXXX Account 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 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received any letter or phone call attempting to collect a debt. Furthermore, I have and always have had PPO Group insurance Plan. If I were aware of this debt I would have contacted the provider immediately to resolve any payment due. XXXX and XXXX did not follow the CFPB laws and protocol and failed to notify me of the debt thereby taking away my right to settle the debt with the medical provider.

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 2022-08-16
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: Account information incorrect

Complaint:
TransUnion removed 31 points from my credit score when XXXX reported an increase of XXXX dollars in my school loans in XXXX or XXXX of last year. This is a lie. That value XXXX is the original amount of my consolidated Federal Student Aid Loans in XXXX of XXXX. There are no other Federal Student Aid Loans. The 14 consolidated in XXXX of XXXX are the only Education Loans I have. The Republican Congress capped Federal Student Aid Loans at XXXX in XXXX forcing me to withdraw from my PhD program at XXXX XXXX. In resolving this issue I have learned my FSL consolidated loan is not being serviced by XXXX it is subcontracted out to XXXX ( XXXX ) the former XXXX  : This is what XXXX had to say : With respect to XXXX XXXX concerns regarding inaccurate credit reporting ; According to the national credit bureaus loans previously serviced by XXXX / XXXX  are no longer reflected on her current credit reports. 

This is a lie as TransUnion reports information on the FSL every month. I have had the same consolidated loan since XX/XX/XXXX. 

Who is committing fraud TransUnion, XXXX, XXXX or all three of you? 

Complete XXXX  response : " RE : XXXX To Whom it may concern : This is in response to complaint XXXX, which outlines XXXX XXXX XXXX XXXX concerns regarding her account. XXXX XXXX XXXX, XXXX. ( XXXX  ), previously serviced two Federal Consolidation Loan accounts for XXXX XXXX on behalf of XXXX. XXXX contracted with XXXX to maintain servicing and repayment activities on their student loans. The following outlines each loan ; XXXX : Serviced by XXXX from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX this loan was transferred to XXXX for servicing with an outstanding principal balance of {$110000.00}. This account is no longer reported by the national credit bureaus. XXXX : Serviced by XXXX from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX this loan was transferred to XXXX for servicing with an outstanding principal balance of {$81000.00}. This account is no longer reported by the national credit bureaus. With respect to XXXX XXXX concerns regarding inaccurate credit reporting ; According to the national credit bureaus loans previously serviced by XXXX / XXXX  are no longer reflected on her current credit reports. If XXXX XXXX believes there are inaccuracies on her report XXXX suggest she file a dispute directly with the credit bureau. Please let us know if there are any additional questions relating to this response, or if there is any additional information that XXXX can provide. Sincerely, XXXX XXXXXXXX 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 2017-06-02
Company: LENDING COMPANY, INC., THE
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In  XXXX  I was attempting to paid off my account and made several payments. In  XXXX  I received series of communications via, email, mail and phone call suggesting that since the payments did not occurred on  XXXX , my account is past due. I made multiple payments in  XXXX , however I was n't able to complete the payoff of the account because the last payment was reversed  ( Complaint Number   XXXX  ). I have talked to  XXXX   XXXX   XXXX  on a couple of occasions and they are claiming that my payments for the month of  XXXX  is credited only against the balance and not the schedule payment. Also it look like they are trying to backdate my payments to applied to  XXXX  ( see attachments ) and report my account as 30 days late. I believe this is acting in bad faith in an attempt to force me to make additional payments for  XXXX .   XXXX    XXXX   XXXX  is also overdrawing the payment amount in  XXXX  based on their belief that I am past due.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-16
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: Reporting company used your report improperly

Complaint:
I am writing this complaint to inform the CFPB that my rights have been violated by this consumer reporting agency. In a correspondence to Equifax, XXXX of XXXX, I requested proof of my consent regarding the sharing of the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  account number XXXXXXXX XXXX XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX number XXXX Date open on credit file XX/XX/XXXX. XXXX. 
Another XXXX XXXX account XXXX with opened date XX/XX/XXXXXXXX XXXX XXXX Account number XXXX As of today, I have not yet received a any proof of my consent regarding the sharing of the above accounts. According to 15 U.S.C 6802- Obligation with respect to disclosure of personal information ( B ) the consumer is given the opportunity before the time of, that such information to be disclosed. to such third party. and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option, in a correspondence to the consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: IN
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:
These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
State: CA
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 was living in apartment with XXXX XXXX XXXX company and at the end of the contract of one year they not giving me my deposit which is {$400.00} and the need about {$1300.00} from me so i start my small claim against them and i take 2 judgments against them that i need to collect from them {$350.00} and i request many time Equifax to remove the collection but no any reply from them same from XXXX XXXX the collection company please find attached 2 judgments from XXXX Court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I am enrolled in the XXXX XXXX upgrade program administered by Citizens Bank. The bank sends no statements whatsoever annotating payment history, and its online portal does not display any payment history. I am unable to obtain records for the payments I made, all on time and in full compliance with the loan terms, so that I can file the associate expenses for my mobile phone equipment on my 2017 taxes. 

Citizens Bank acknowledged the system was unable to denote the account history and submitted a ticket for repair back in early XX/XX/XXXX. It remains unresolved, and tax filing deadlines are at risk of being missed for business filings. 

The portion of the system that takes the customer 's money works flawlessly. The actual compliance and records portion still does not work, and it will ultimately end up costing me financially due to their inability to provide the agreed upon services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit 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 non-monetary relief
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: NJ
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, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX 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 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 2022-01-10
Company: Cash Link USA, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
My friends and family are receiving repeated phone messages from a company called XXXX. The phone number being used is XXXX XXXX XXXX. Even though I have spoken with the company in regards to the debt, they continue to leave messages on my families voicemail stating that they are location services and they are looking to provide me court documents. When I asked the company for their statistics such as their company address and website I am being denied the information. They are constantly harassing my family although they never try to call me first and have spoken with me several times. I have contacted the original creditor and they state that the company my information was given to is different than the company that is harassing me. I have asked for a verification of debt letter and I am not being provided one. I have received no mail correspondence from the company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am appalled by the Credit Bureaus ' inability to verify the disputed account on my Credit report despite the multiple letters I have been sending to them! How many letters would it take me to send to them in order for the Credit Bureaus to update and correct the status of this account? Once again, I am NEVER LATE in paying with this account. I have my own record of payment history to ensure the data athat the Credit Bureaus and the creditor present is accurate and not erroneous. The information they present does not match with what I have! I am requesting that the Credet Bureaus stop this erroneous reporting and correct this account to report accurate information on my Credit report! I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining account to be corrected : XXXX XXXX XXXX XXXX : {$290.00} Date Opened : XX/XX/2020

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 2022-08-16
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Texted me at XXXX p.m. which is a violation of fdcpa.

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 2021-07-12
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
JCPENNEY and their financial provider XXXX XXXX, sent me my XXXX statement to pay on XXXX XX/XX/2020, with a new balance of : {$1600.00} and I paid regularly {$200.00} dollars. 

The next statement for the month of XXXX to pay on XXXX XX/XX/2020 the balance was : {$1600.00} - {$200.00} payment + {$38.00} fees charged (? ) + {$1800.00} interest charges (? ) My new balance for XXXX XX/XX/2020 was : {$3300.00} Without any purchase made by us or either fraudulent purchase on our account. 
It took me awhile to find out what happened and where to go for help. 
I talked to a representative of the bank and she told me that maybe it was a new purchase. 
When I told her that it was not and the statement said it was interest charges, she said that I couldn't have more information about it because I was not the primary card holder. I said that I was authorized by my husband and she said that only to pay and to buy. Not to disclose any other information. 
My husband has been sick for quite some time and I know how deeply affected he gets with this kind of felony. He feels hopeless and doesn't know how to fix or get the help we need. 
I have the statements to show this outrageous amount and also I have been paying every month, which I know I already paid my purchase, though I am still paying for the interest theft because I did not know what to do until now that I am presenting this case to you. 
Please help us out. 
Thank you so much 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 monetary relief
Consumer complaint received 2022-08-16
Company: U.S. BANCORP
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022, a fraudulent charge ( + XXXX XXXX XXXX # XXXX XXXX XXXX ) appeared on my credit card for the amount of {$40.00}. 
On XX/XX/2022, I contacted Meriwest Credit Union and informed them that this charge was not made by me and my credit card was stolen. 
On XX/XX/2022, I received a new credit card from Meriwest Credit Union. 
However, on XX/XX/2022, Meriwest Credit Union reversed the provisional credit to my account. I tried explaining to them several times that this charge was not authorized and me and credit card was stolen, but they refused to listen.

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