BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-25
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I refinanced with XXXX in early XX/XX/XXXX, I have been on an Income Driven Repayment Plan and the Public Service Loan forgiveness plan for the duration. I work as a XXXX. I have called almost every year to challenge their qualifying payments tally which, as of today, is still more than 2 years behind. I receive conflicting information from customer service reps each time I call. Two years ago I was considering a job change and the representative said that as long as I still worked as a XXXX my loan forgiveness track should not be jeopardized. I left a lucrative XXXXl position to work for a small XXXX start up that provides XXXX XXXX for high volume or under served XXXX all over the country. I found out this year that the last 8 months of loan payments I made have not counted because my current employer does not qualify for loan forgiveness. As a small company, it appears, they can not apply for the tax exempt, non-profit status that large, wealthy XXXX enjoy. And so now instead of having about 5 years left of repayment, I have 15 years left of repayment totaling an additional {$250000.00} ( more than a half million in total, not counting the 4 years of repayment to XXXX XXXX before I refinanced in XXXX ). And so as of now the {$180000.00} I borrowed in XXXX in my late XXXX to become a XXXX will cost me more than {$500000.00} well into my XXXX. And now I have to scramble to refinance with another company, or sell my house in order to pay off the remaining {$190000.00} balance -- XXXX XXXX  more than I borrowed almost a decade ago, despite consecutive monthly payments. Mine was one of the first XXXX   classes forced to enter repayment during residency, so we were all on IDR plans and making payments too low to even cover the interest we were generating on our highest interest loans, so every year our principal balance just kept climbing. And then legislation was passed so that we could no longer write off that student loan interest. My loans continue to cost me {$25000.00} a year out of my take home pay, and now the department of education wants to extend my repayment period an extra decade even though the kind of work I do has not changed nor has my salary. This is money I can't save for retirement, money I can't put away for my daughter so that she never has to struggle with immense student debt like this, money I can't spend on home improvements or family vacations. If we told XXXX  students that the penalty for becoming a XXXX was at least a half million dollars paid out over 30 years, I am sure that far fewer American students would pursue XXXX. Which is a XXXX shame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
there was a charge {$25.00} for XXXX that i made on my account on XX/XX/2020 and this charge is Valid not Fraud the dispute was open by mistake and never shouldve been open. 

this charge was made by XXXX XXXX XXXX and its not fraudulent please cancel dispute i contacted capital one fraud department and unfortunately they are unable to cancel this dispute for this payment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently obtained my credit report and found several errors I contact credit reporting company to have item corrected however there was no response after 45 days the items in dispute are below and on attachment Confirmation # XXXX 1 ) Please remove all non account holding inquiries over 30 days 2 ) please verify and update the balance, payment history and current status on all accounts below as the information on file is incorrect ...

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 both accounts need balance and history update Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: F.H. Cann & Associates, Inc.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
First off I have never ever received any type of letters for my wage garnishment of 25 %. Also they took my entire tax return on XX/XX/XXXX and no one has any idea why I did not receive a letter 60 days before. The amount of my loans have not changed since XXXX. They have been garnishing my wages for the past year and then took my tax return. I am a single mother with XXXX kids. Tax time is the only time of the year that I am worry free for about a month. I work hard everyday. I did not think they were allowed to garnish my wages plus offset my entire tax return. This is just awful plus the balance is not dropping.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent a certified mail on XX/XX/XXXX requesting debt validation. Sent certified mail on XX/XX/XXXX requesting proper verification bearing my signature. Did not receive a response. Sent complaint via their website on XX/XX/XXXX, no response. Called on XX/XX/XXXX got hung up. Called back, was transferred to supervisor. Supervisor was yelling entire time, stating that they dont have to verify and that an itemized bill was sufficient. Supervisor made remark that If i want to keep playing stupid they will no longer contact me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Strategic Alliances, Inc.
State: UT
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 is reporting on debt on my credit file that I do not owe. I was never notified of this debt. I only noticed this bad debt on my credit file. As soon as I found out I called and immediately paid it. However, I was not given the proper protocol. I never received any phone call, letters of any type in the mail. This is a violation of my 30 day right to dispute. This debt is years old and when I called they had no idea why they did not send me any proper notifications. This bad debt needs to be removed off of my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
In accordance with the Fair Credit Reporting Act all these accounts have violated my rights. 

15USC 168i section 602A States that I have a right to privavy.

15 usc 168i section 604a section2 It also states a consumer reporting agency can not furnish an account without my written consent.

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 2019-02-28
Company: MJ Altman Companies, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
MJ ALTMAN COMPANIES - trying to collect a debt which does not belong to me. I have contacted the creditor, a medical company, and then have no records for me in their system. I reported this to MJ ALTMAN on more than 1 occasion, and they refuse to stop the collection. They have now reported me TWICE - two trade lines, to the bureaus, for a debt that does not belong to me. This has taken my score down over 100 points. Please help me in reaching out to this company. They will not go back to the creditor as I have to check the mistake. TY

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 2019-05-31
Company: American First Finance, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
1. The company has been calling numerous times daily even after leaving voicemail messages 2. They have effected several payments from my bank without my authority - thereby exposing me to overdraft fees and thereby threatening my overdraft status with the bank.

3. I tried to resolve this a few days ago when I answered their calls regarding a past due account, which I wanted to settle outside the regular semi-monthly payments we had agreed - this is the amount I'm complaining about.

4. In that call on point 3, above, I had requested they move forward the payment days by two days to correspond with my new salary paycheck dates - which they ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery calls me repeatedly during the day and as late as XXXX at night. They call from dozens of numbers from all over the country. I have repeatedly asked to stop being contacted, as the person they are looking for is not me. The representatives are sometimes rude and hateful and ask for personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Theres a few inaccurate accounts as well as personal info which need to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX XXXX XXXX  is reporting a debt on my credit file. I was not given the proper protocol. I received no phone calls and, no letter, no notice at all until I checked my credit file. I immediately called and paid it off. However, they are in violation of my 30 day right to dispute for adding this to my credit file without any notice. I mean this collection debt is years old and they never send me anything. When I called them, they had no idea how they didn't send any notices to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX XXXX  is reporting a debt on my credit file. I was not given the proper protocol. I received no phone calls and, no letter, no notice at all until I checked my credit file. I immediately called and paid it off. However, they are in violation of my 30 day right to dispute for adding this to my credit file without any notice. I mean this collection debt is years old and they never send me anything. When I called them, they had no idea how they didn't send any notices to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX Original Creditor : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX AMOUNT {$450.00}., XXXX XXXX # XXXX AMOUNT {$1500.00}, XXXX XXXX XXXX XXXX # XXXX AMOUNT {$0.00}, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Possible Financial 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: Account information incorrect

Complaint:
Account : POSSIBLEFINA ( XXXX ) Date Opened : XX/XX/2020 Balance : XXXX This account is deferred or in forbearance, please remove it

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: EQUIFAX, 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:
I recently checked my credit report and noticed an account by the name of XXXX XXXX XXXX reporting to XXXX credit bureaus XXXX & Equifax... I have never opened an account with XXXX XXXX XXXX .... I contacted the company and I was told that I am not in there system .... But for some reason they are reporting a Card with a balance of {$3300.00} .... This account is a fraudulent Account which I have no knowledge of .... When I checked my credit report I also noticed phone numbers, addresses, and my name spelled incorrect. I DECIDED TO GO TO MY LOCAL POLICE DEPARTMENT TO HAVE A REPORT COMPLETED DUE TO A FRAUDULENT ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/2022 - Personal information on Experian is not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 - addresses XXXX XXXX XXXX, XXXX Ca 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 2023-06-12
Company: EQUIFAX, INC.
State: MD
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
Company: EQUIFAX, 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:
I am writing to delete the following information on my file. The items I need deleted are listed on files attached. 

I am a victim of identity theft and did not make the charges. I ask that all the items be deleted off my credit report. 

I reported the theft of my identity to the Federal Trade Commission. 

I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Thanks in advance for your time. 
- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was notified about. Settlement opportunity during a class action lawsuit. When I call the wait times are extremely long or I get disconnected. There is a class action lawsuit suit filed against this company. I was not aware of this not did I receive documentation on this matter. I have been with this company since 2004 and I am seeking to find out more about this matter. I have noticed higher payments and rates that I am required to pay and I have not discussed anything additional with this company. Can someone please contact me at your earliest convenience about this matter. Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
American Express has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief