BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: OH
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Owed : {$5300.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-30
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
We have been customer of TD Bank ( XXXX ) since XX/XX/XXXX. Around XXXX, we also became customers of TD Bank USA and currently deal with their store at XXXX and XXXX  XXXX in XXXX. Credit cards were opened in XXXX in XXXX and later ( around XXXX ) in the USA. 

We used our US VISA account and decided not to make a payment until I could be sure that the charges were proper. Please note that this is not an issue in XXXX since I am provided with all the details on line during the month followed up by a mailed printed statement. However this does not occur with TD US Visa. However, they decided to reduce my credit limit from {$20000.00} to {$1000.00} where it sits currently which I find unworkable and have been phoning them regularly requesting it be increased. I shortly after decided to pay the whole amount to put this matter to an end. 

They later followed up with 3 letters stating they are unable to approve a credit limit increase because of : serious delinquency time since delinquency is too recent or unknown too few accounts currently paid as agreed lack of recent installment loan information I have no other obligations or accounts with a debit balance that I am aware of. If TD VISA has different information I would like to know about it. But why would they make this statement and refer to installment loans since we have never had one. Also please note that our chequing account bank balances in XXXX and the USA are over {$100000.00} and have been for some time. They say that XXXX provided information that influenced our decision - how can they get information since we do not have a social security number. 

TD apparently does not have any intent to properly handle this matter and is dealing with it in an offhand matter. Also please note that a previous TD USA credit card had a date expiry date of XXXX. I tried to pay for a meal on XX/XX/XXXX, that year but was told that my card had expired. So it seems that TD is playing with their customer 's good will. I would venture that universally every one knows that a card so described expires the last day in XXXX, not the first.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i am filing this complaint because XXXX, transunion, and XXXXhas ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra - they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue 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 2020-01-26
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In early 2019 I refinanced my student loan with XXXX XXXX as I was returning full-time to school in XXXX. I was told by the banker at the XXXX, MA XXXX who processed my loans if I wanted to defer my payments I would be able to as XXXX was in the XXXX XXXX XXXX Federal Direct Loan Program as a Deferment Eligible Program. 

In XXXXXXXX 2019, I finally decided to use in-school deferment. I sent the form on XX/XX/2019 and was told I would receive a response in 3-5 business days. Not receiving a response, I called on XX/XX/XXXX and e-mailed again on XX/XX/XXXX as an upcoming payment was due. The teller told me they could change the date while the form was being processed but I needed to pay even though the form would be accepted. On XX/XX/XXXX I was told that the deferral had been denied. 

I called XXXX on XX/XX/XXXX and was told that they only accepted deferrals from XXXX XXXX schools. I have confirmed with the US Student Loan Ombudsman that the school I attend, XXXX XXXX XXXX XXXX XXXX is a XXXX  XXXX school ( OPE ID XXXX ) and processes deferment requests as per the government regulations. I have successfully deferred my payments with two other banks who use the same criteria. 

On XX/XX/XXXX, I followed up with XXXX and was advised that XXXX could not defer my student loans because they use the National Student Clearinghouse Database and my information was not up to date in this system. I reiterated that I sent their approved form back with the school seal and my information, but was told to call the National Student Clearinghouse. Which I did, and was told by their customer service that they are only one tool that certain schools use and that as long as I have an OPE ID number the bank should take it, as that's all they do. 

I called XXXX back and was told that everything was incorrect, they don't accept all XXXX  XXXX schools, only some. When I asked if they could elaborate on this policy, I was told that my deferment was already denied and there's nothing they could do. I am unsure what decisions are used on top of whether or not they are XXXX  XXXX, as this was the first time anything other than their compliancy was mentioned. It seems like no one has any answers and I have been advised poorly and differently each time I have called. This leads me to believe that no information I am given will be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Second Round Limited Partnership, Austin, TX Branch
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX. ; XX/XX/2018 ; XXXX XXXX XXXX XXXX, debt owed is {$710.00}. I told them that I was unable to pay because My income stopped coming to me for a few months and I'm on SSI and SSD, and I cant be hold reasonable to repaying any debts at all. the sent this debt to collections and I sent them the law showing I didn't have to pay them nothing and they just kept sending notes about the debt. also, in 15 usc 1681section 602 states I have the right to privacy ; 15 usc 1681 section 604a section 2 : It also, states a consumer reporting agency can not furnish an account without my written instructions ; 15 usc 1666B : A creditor may not treat a payment on a credit card account under on open end consumer credit plan as late for purpose. They have been paid already by the government!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was gifted the a {$50.00} American Express gift card on XX/XX/XXXX. XXXX. In XX/XX/XXXX, I created an account with American Express to manage the gift card. That month I also attempted to connect the giftcard to my XXXX XXXX on my XXXX XXXX, XXXX XXXX, and XXXX XXXX. All attempts were unsuccessful. In XXXX of XXXX, I attempted to again add the gift card to my XXXX  devices and this time called XXXX customer service. There a representative informed me this was a new issue with American Express changing processes on their end and prompted me to occasionally try adding the card as some XXXX users had been successful. 

In XXXX of XXXX, I browsed XXXX forums and discovered other consumers had similar issues. Some recommended added the gift card to subscription services, XXXX wallet, and XXXX wall. While the card is charged the temporary hold of {$0.00} and {$0.00} from the various companies, all attempts to pay with the gift card have been unsuccessful. 

In XXXX  XXXX, I contacted American Express customer service and was advised try using the gift card in store as on their end they didn't see any issues. They also helped me add billing information to the gift card. This did not remedy the issue. 

Between XXXX XX/XX/XXXX I have attempted to make purchases between XXXX  XXXX {$20.00} at the following restaurants stores ( in person and online ), which have all been unsuccessful : XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, 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 XXXXXXXX XXXX XXXX 

American Express has given me no real remedy to access the {$50.00} amount on my gift card as the funds sit. I have exhausted all options suggested by American Express, other merchants, and other consumers with similar issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-30
Company: DISCOVER BANK
State: SD
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:
In XX/XX/2019 I submitted a fraud claim with Discover Card. I was notified on XX/XX/2019 that the investigation had been closed and that all unauthorized charges had been credited ( see attached ). I have still not received these noted funds of {$1100.00}. I have called multiple times and continue to be told the funds will be in my account within 12-14 days. The first time this was noted was on XX/XX/2019 by XXXX at XXXX. I called again on XX/XX/2019 at XXXX was spoke with XXXX who notified that the investigation was incomplete so they could not process the transfer and send me the funds of {$1100.00}. I again spoke with someone at discover on XX/XX/2019 at XXXX who notified me that they would transfer the funds after the credit refund team had time to review the claim. I have been given no reason to believe they will actually transfer the funds as they continue to say they will. I have also asked that any account in my name at discover be closed and have continued to fight them on it. I also have no reason to believe they have actually closed any of my accounts as requested based on the letter I received on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
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: Information belongs to someone else

Complaint:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cancellation Debt Discharged per IRS 1099-C in XXXX XXXX ID XXXX States this debt charged off sold to debt collector I have Notified USAA XXXX XXXX XXXX they still try to collect this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Nelnet, Inc.
State: AZ
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 have sent an email in XXXX requesting that any amount paid that is over the amount due be applied to my principle amount due, this email has so far gone unanswered. Also, I have tried calling them several times and wait times are 90 minute 's or more making it impossible to speak to someone. When making payments that are greater than the amount due, Nelnet reduces the next months amount due. I have sent an email requesting that the remaining a amount that is over the amount due on the statement be applied to my principle amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Experian Information Solutions Inc.
State: NJ
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:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit report immediately. I am attaching proof that XXXX had admitted that I was in fact a victim of this breach, and have done nothing to rectify the situation. Please help me remove the illegal account reportings from my credit report. 

XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  Acct # XXXXXXXX XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  XXXX XXXX XXXX Acct XXXX XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX  XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX  acct # XXXX XXXX XXXX XXXX Acct # XXXX I am requesting that these late payments and accounts be deleted 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 2022-01-18
Company: SUNRISE CREDIT SERVICES, INC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sunrise credit services has been recruited by XXXX XXXX XXXX to collect debt from a fraudulent account. 
I have attempted to reach out to Sunrise Credit to send me paperwork to dispute this fraudulent. 
I have also initiated an inquiry with XXXX XXXX XXXX, but haven't heard back.

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 2023-07-01
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: American Collections Enterprise, Inc.
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
University XXXX XXXX XXXXXXXX XXXX sent me a bill for {$360.00}. I paid {$150.00} on that account and because I was in XXXX for XXXX and not making the payments fast enough, they sent the account to a collection company called ACEI.  Unfortunately, they lied and told ACEI that I owed almost {$390.00}. They also failed to report to ACEI that I had paid them {$150.00}. ACEI began trying to collect the erroneous amount of {$390.00}. I disputed the amount and also asked that I be credited for the {$150.00}. I paid the remaining balance on XX/XX/19 -- which satisfied the original debt of {$360.00}. 
ACEI continued to harass me and tried to collect because University XXXX XXXX   REFUSED to tell the company that I had already paid {$150.00} Before they even sent it to collection. I have PROOF of the initial bill plus every single payment I made to University XXXX XXXX AND ACEI ( see attached document ). The payments of {$100.00}, {$50.00}, {$210.00}, and {$10.00} are highlighted. Simple math will reveal that they satisfy the {$360.00} bill. 
Once UNiversity XXXX XXXX  XXXX XXXX sent false information to ACEI ( they never told them I had paid {$150.00} of it ), ACEI then broke every consumer law,  including the FCRA, by posting derogatory information to my credit report on XX/XX/19.  Although I only had ONE account with University XXXX XXXX  XXXX XXXX ( account XXXX ), ACEI falsely indicated that I had 4 accounts. That act allowed them to hit my report with 4 different collection accounts. I don't owe ACEI or UNiversity XXXX XXXX XXXX XXXX ONE penny. The {$360.00} was PAID IN FULL by XX/XX/19. I blame UNiversity XXXX XXXX XXXX XXXX  JUST as much as I blame this predatory company, ACEI

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 2023-11-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On several occasion I have disputed the inaccurate XXXX  XXXX & XXXX bankruptcy listed on my Experian Credit report. I have also, requested Experian to provide me with documentation of how this information was verified and by whom. Experian has yet to provide any information. Most resent dispute was filed on XX/XX/XXXX. XX/XX/XXXXXXXX  I received a updated from Experian stating dispute has been verified by the XXXX and no changes has been made. A letter from the XXXX Court was obtained and submitted with the dispute stating, the XXXX do not report to the Credit Bureau or any consumer report company. Experian has denied and willfully ignored all of my request. This is a direct violation of the FCRA Consumer Rights and reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Waypoint Resource Group, LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On Thursday XX/XX/2018, I was notified by XXXX XXXX that a collection had been placed on my account. The collection was from XXXX XXXX XXXX ( original creditor was XXXX ) for {$290.00}. This dropped my credit score almost 50 points. First of all, I havent had an account with XXXX in over 6 years. I have received zero notifications about a debt owed, going to collections, being sent to credit bureaus, absolutely nothing. I tried contacting Waypoint multiple using two different numbers. One phone number listed on XXXX XXXX and the other on their website. Had I been contacted about this debt and shown that it was an honest debt, I would have gladly paid. However, after investigating, I have found out that multiple people are having the same issue with this company. Collections appearing out of nowhere, with zero notice, and all fairly recently. Many people believe it is a scam and I refuse to pay this until I have proof of this debt. I also want this collection taken off of my credit. I have worked very hard to build my credit back up and this has hit that hard with zero warning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Affirm Holdings, Inc
State: AR
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:
In accordance with the Fair Credit Reporting Act, Affirm has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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 response to consumer: Closed with explanation