BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-02
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
American Education Services ( AES ) was the original " gate '' loan provider in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I was provided no option to decrease the payments due monthly so they sent the full loan to a debt collection agency without notifying me of what agency, so that I can start making payments. Instead in XX/XX/XXXX, I began receiving countless harassing calls from XXXX XXXX XXXX. 

I could only presume that this was the group that took over the collection of my payments, and so in turn emailed and called XXXX XXXX XXXX requesting to make payments via their online portal. Without this as proof of payment, I was making payments over the phone without any follow-up proof of payment provided. 

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX 's XXXX XXXX, stating that my account with them was in fact closed, and returned to AES. This same letter indicated that any mark on my credit score should be deleted from my credit report as I was unable to reach there company to make a payment. 

Since in receipt of this letter in XX/XX/XXXX, I have attempted to make repayments via AES, as indicated in the letter. However, I was not able to do so according to AES representatives and I was provided with no additional information. 

In the past 2 months, I have begun to get new robo-calls from 3 new groups, stating they are now the collectors of my payments of the original gate loans from AES. Those companies are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

Again, I was never told this by AES, nor was I in receipt of any notice that my collection is now with these companies. I called AES today, XX/XX/XXXX, to get clarity and check on why my credit report indicates there is still an issue of delinquency. 

The employee noted that since XX/XX/XXXX, my loan was now in collection by XXXX XXXX XXXX  ( XXXX ). When I called this number on XX/XX/XXXX, it goes directly to voicemail to a company called XXXX XXXX XXXX XXXX. Online, this company is listed as yet another name -- XXXX XXXX XXXX. 

My complaint is against AES specifically for their mishandling of my gate loans, filing a severally damaging credit report, and the companies AES sends loans to for collection. 

To date, I have no clear indication of the company to which I should be making payments and no statement on the history of the loans -- including payments made over the phone to the original debt collection agency, XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: Merchants and Professional Bureau, 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: Information belongs to someone else

Complaint:
I requested debt validation which was never received. I also sent validation letter via certified mail. The account was removed from XXXX  but remains on others. This debt was never validated and is in violation of fdcpa

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
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: Account status incorrect

Complaint:
Denied credit line from XXXX XXXX due to delinquent student loan report on credit report. Contacted XXXX since I had been paying on my account and filed a dispute with TransUnion. XXXX informed me that they did not report to the bureaus as my account was not in default. I then received a forbearance. Dispute from credit bureau stated info correct. Contacted XXXX again where they verified the loan was not in default and had not been reported to the credit bureaus. Sent a letter that states as much. Filing another dispute with crwdit bureaus with documentation attached. Contacting this agency with concerns the reporting is obviously fraudulent. I believe local law enforcement agencies and XXXX County School District depts. responsible for fraudulent reporting as means of retaliation for grievances, complaints, and EEOC claims of bullying, harassment, discrimination, and retaliation.

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 2021-01-21
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I applied for a mortgage refinance in XX/XX/2020 and still have not received a formal approval and a closing date for the mortgage refi. PenFed has apologized profusely and told us they don't have the staff to process the number of refis that are pending in a timely way. They told me they have hired contract employees and others to help the process, but at least some of them are either unresponsive or poorly trained and take forever to do the simplest of tasks. It took months just for the underwriters to finally decide that we meet the requirements for the refi, but that happened more than a month ago and everything now seems to be stopped. The loan officer and her manager don't seem to be able to get a status out of the mortgage processing group and are now telling me they are waiting too. There seems to be no one in charge managing this process so their customers are just left blowing in the wind. This is particularly galling because my wife and I have our existing mortgage ( that we are trying to refinance ) with Penfed and also 2 credit cards with them, so they are very much aware of our financial status. Finally our credit scores are around 800 so there is no reason this process should be taking this long.

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 2018-04-02
Company: WESTERN UNION COMPANY, THE
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I used Western Union to transfer money to a consultant in XXXX on XX/XX/XXXX using a bank account which indicated that the funds would be available on XX/XX/XXXX. 
On XX/XX/XXXX the receiver was not able to pick up the funds and when I called WU they informed me that there was a technical issue at their end and they will resolve this within 24 hours. On the online account it was still showing " In progress '' on Monday XX/XX/XXXX. I called WU at XXXX XXXX EST and was on the phone for an hour, the agent suggested I do a debit card transaction and that she would give me a promo code so I would not pay more than the bank account transfer fees. When I attempted to complete the transaction, the fees were reduced 50 % and this would make me pay {$56.00} ( {$25.00} more than the bank account fees ). I called WU again and explained the situation from the beginning. The agent seemed willing to help, after a long wait for her supervisor she managed to tell me that she could waive the whole transaction fees and that in order for that to happen I would have to go to a specific WU agent " XXXX XXXX '' to make the payment and gave me a temporary tracking number. Although there are numerous WU agents closer I had to drive 14 miles to this specific location. When I gave them the number, it wasn't on their system. They called the manager who was extremely helpful and asked me to call WU, after explaining the situation for the third time to WU, they gave me a phone number " agent assistance line '' and requested that the XXXX XXXX manager call them. He called them and then they requested to speak to me which they did and at the end the agent said she had resolved the issue and that WU customer service will call the " XXXX XXXX '' manager to direct him on how to complete the transaction. WU called the " XXXX XXXX '' manager and informed him there is no way to waive the transaction fees. It was XXXX XXXX ETS and the issue had not been resolved. I had to complete the transaction online and pay the full fees for the transaction and wait another 5 days for it to process. 
This is the temporary transaction number I was given to use at the " XXXX XXXX '' agent : XXXX. The original transaction number is attached in the documents below, as a screenshot of the transaction that was cancelled by WU in order to resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-29
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 have submitted 4 times certified letters to the bureau to investigate my inaccuracies on my credit report in regards to unverified accounts that are severely damageing as we are trying to buy our first home and can not get a loan with the unverified accounts. As a result of our letters to the bureau they keep writing back that they have verified the accounts in question but have provided no proof as I have demand to see Verifiable Proof of ( an original Consumer Contract with my Signature on it ) for the accounts which According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify and to show proof of verification. The Bureau sent letter back saying all was verified but they didn't provide how and proof of any signature from me on any contract with the company in question. why cant they show the proof? 

The last letter we sent which was dated XX/XX/20. 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

The Bureau wrote back they have verified but again no proof of anything.

Transunion wrote us a letter back saying we were correct as they could not verify the accounts and promptly deleted them. So i am asking Transunion to do the same here. 

So once again we are submitting a letter in mail today XX/XX/20 to Transunion and a copy to XXXX  to verify see copy below.

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 2019-03-07
Company: EQUIFAX, INC.
State: OH
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 was discharged from chapter XXXX bankruptcy in XX/XX/2018, there are multiple accounts showing incorrectly on my Equifax credit File XXXX XXXX XXXX autoloan-showing open with late payments, should be showing included in bankruptcy XXXX XXXX XXXX autoloan-showing open with late payments, should be showing included in bankruptcy XXXX XXXX Credit Card, showing charged off with an open balance of {$4200.00}, should be showing included in bankruptcy XXXX XXXX XXXX-collection account showing open, should be reported as closed or removed as I am not longer responsible for this account as it was included in bankruptcy XXXX XXXX XXXX-collection account showing open, should be reported as closed or removed as I am no longer responsible for this account as it was included in bankruptcy XXXX XXXX XXXX-collection account showing open, should be reported as closed or removed as I am not longer responsible for this account was it was included in bankruptcy I have disputed these accounts multiple times which has resulted in no change. These accounts should be updated to show closed included in bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06
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: Credit inquiries on your report that you don't recognize

Complaint:
I was attempting to purchase a car online, and was told ONE inquiry would be ran, and they poured in and did not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sent money to a fraudulent company that I thought were legit. I made 2 payments to a guy from the app called Cash app. They didn't come through with their promise, so I asked for a refund. I forgot how long they said the refund process is, but ita way overdue by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Location Services Holdings, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
THIS COMPANY ( XXXX XXXX ) HAS CALLED REPEATLY TRYING TO COLLECT A DEBT THAT IS NOT MINE, AND I AM NOT THE PERSON THEY ARE MAKING THESE CALLS ABOUT, WE DO HAVE THE SAME LAST NAME. I HAVE ASKED REPEATLY FOR THEM TO STOP, HE IS NOW CLAIMING H IS A CRIMINAL INVESTIGATOR, THIS IS VERY SCARY FOR ME A SENIOR CITIZEN TO DEAL WITH, PLEASE HAVE THESE CALLS STOPPED THEY HAVE BEEN CALLIN EARLY IN THE MORNING, JUST AFTER XXXX THEY ARE REFERANCING THE FOLLOWING ACCOUNT NUMBERS : THIS IS NOT MY ACCOUNT ... 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is coming up on six months now trying to get refinanced. I knew all along they would never do it as the are always requesting the same documents over and over. Some as much as ten times! They also had me pay for two house appraisals. They also did a hard pull on my credit 3 times against my wishes. They lowered my credit score by over 30 points down to XXXX just from the repeated inquiries. They wasted my time and money with no intent on refinancing ever. They see that I have everything paid and paid on time and never any late payments. They see that I have very little debt ( cars ) and yet they still won't re-finance. I have been led on this entire 5 + months and I am always calling and emailing them. I've had several different agents and contacts just to try and confuse me. It is not fair for a bank to take my money and lie to me about getting my house refinanced and string me along for almost 6 months. That is shameful. They should not be in the business of taking peoples valuable time and money to benefit their bottom line.

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 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The collection account below is not mines. 

1. XXXX XXXX XXXX Last reported XX/XX/2020 {$270.00} Open balance 06 XXXX  Original creditor

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 2020-07-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
During A Check of My Experian Credit Report On XXXX I Discovered Information On My Report That Is Fraudulent, Incorrect, and/or Erroneous. Experian Report Number : XXXX, XXXX  Credit Report, And XXXX  Credit Reports Dated XXXX Show That I have A Debt with XXXX  XXXX  XXXX  AKA XXXX   AKAXXXX XXXX XXXX. I have never had any account with this company or any of its Listed Affiliates. I have tried unsuccessfully to resolve this Fraudulent, incorrect, misleading, and damaging information from my Credit report. I am trying to avoid having to file Legal action against the Companies and reporters of the Fraudulent, and/or Erroneous Information, for causing damage to my report and reputation.

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 2019-08-20
Company: Kentucky Higher Education Assistance Authority
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Kentucky Higher Education garnished my check for a little over $XXXX The last Garnishment (XX/XX/19 payroll date) not only took my balance to $XXXX but KHE now owes me $XXXX for over payment.onXX/XX/XXXX I got a letter from the treasury advising of an offset of $XXXX paid to KHE. now bringing the balance owed to me from KHE to $XXXXonXX/XX/XXXX i find out i am still being garnished and another payment was sent to KHE in the amount of $XXXX   bringing the balanced owed to me from KHE to $XXXXWhen calling the KHE debt recovery department the representatives and supervisors are all rude and argumentative. They threaten to hold my over payment of $XXXX for 30 days and not pay me interest. They won't sent me a paid in full letter for 30 days and refuse to help. they mentioned multiple times through the conversation that "we had to forcibly get payments" which is irrelevant since there is not only a $XXXX  balance but money owed to me and it should not take 30 days to get it back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX attempted to reach me at my place of employment. The representative, Mr XXXX spoke with our receptionist at the office demanding to get in touch with me. Mr . XXXX explained to her that he has left me numerous messages over the past few weeks but never heard back from me. She called me worried that there was an emergency because Mr . XXXX was so adamant about reaching me. He would not give her his contact information or business he was calling from. I have been at this employer for 1 month and having 'someone ' contact me and say I have not returned numerous calls to a 'mystery person ' is extremely unprofessional and will result in me having a negative review on my on work history. I contacted Mr . XXXX  at XXXX and told him to NEVER contact my place of employment after speaking with another colleague of his stating the same thing. Here is a list of numbers XXXX has contacted me from : ( XXXX  ) XXXX-XXXX, ( XXXX  ) XXXX-XXXX, ( XXXX ) XXXX-XXXX, ( XXXX ) XXXX-XXXX, ( XXXX   ) XXXX-XXXX  and ( XXXX  ) XXXX-XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have attempted to dispute an invalid judgment that is not mine and Equifax has locked me out from doing so. I 've attempted to dispute this invalid judgment from XXXX as not mine in XX/XX/XXXX ( attached ) and XX/XX/XXXX ( attached ) and Equifax says " This item is currently under investigation. You should receive the results of our investigation soon. '' Because of this, I can not open a valid dispute. 

The investigation has been open since before XX/XX/XXXX as shown in the Equifax report date XX/XX/2016 # XXXX " ADDITIONAL INFORMATION - Consumer Disputes - Reinvestigation in Process ; '' The FCRA does not allow for an investigation to last longer than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not my account - Bank of America # XXXX. I never co-signed for this Line of Credit. It belonged to my wife 's business, but she filed Chapter XXXX and this account should have been included in that proceeding.

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 2018-02-28
Company: Ad Astra Recovery Services Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX I am responding to your response. Once again I am asking you guys to prove to me that I have any obligation to pay you for a debt that is with someone else. I am not admitting to this debt but I have no obligation and no contract with you guys to pay a debt that belongs to the original creditor. You have purchased this debt from them and with that being said the debt is not valid with you please cancel the documents you have sent me. I am looking for a contract between your company and me showing that I owe you this debt. If you can't provide that then this debt needs to go back to the furnisher and they need to contact me to settle the debt. I don't need documents from the actual creditor I need a contract with you guys with my signature. This is what I am looking for and if you can not provide that then this needs to be taken off my credit report.

Company response to consumer: Closed with explanation