BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-23
Company: AES/PHEAA
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:
Loan Type : Federal. The XXXX XXXX XXXX XXXX ( XXXX ) at Pennsylvania Higher Education Assistance Agency ( PHEAA ) performed a review of my account. However, they provided some serious inaccuracies regarding the review. PHEAA responded that I submitted an Employment Certification Form ( ECF ) confirming your employment at XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, XXXX however, I have written them at least three letters advising them that I have submitted two other ECFs ; in XX/XX/XXXX, and on XX/XX/XXXX. The ECF submitted on XX/XX/XXXX advised that I had been employed with the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, from XX/XX/XXXX until XX/XX/XXXX. PHEAA further responded that did not begin to repay your XXXX XXXX XXXX Federal Direct ( Direct ) Consolidation loan disbursed XX/XX/XXXX until XX/XX/XXXX. This is incorrect, I started repayment in XX/XX/XXXX, and had no forbearances or deferments. I have requested and have not received a full accounting of my payments. In addition, while PHEAA responded I made payment under an ineligible plan, they neglected to state I made the payments under the standard payment plan, and I have continued to do so to present date. PHEAA has not properly credit my payments under the PSLF payment plan. The balance of {$22.00}, XXXX should have been paid off or forgiven at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: AMERICAN EXPRESS COMPANY
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
The XXXX of XXXX I paid my last American Express loan installment payment for {$360.00}. The first business day the XXXX of XXXX, I learned that my checking account was overdrawn, I checked my XXXX XXXX  XXXX checking account and learned that America Express withdraw {$360.00} twice both withdrawals had the same payment ID ( XXXX ) and CO ID XXXX Web. American stole {$360.00} from my account. I called American Express Personal loans and reported the issue and requested my money back, the customer service associate informed me that many customers that paid online the weekend of XX/XX/XXXX, there were duplicate withdrawals and that they were working on the issue, to return the duplicate withdrawal. I called American Express back later, because the {$360.00} hasnt been returned yet, another American Express Personal loan associate I had to work with my bank, which is XXXX XXXX  XXXX and file a complaint with them to have the duplicate amount of {$360.00}, returned to my account. XXXX XXXX XXXX was able to get the money stolen from me, now American Express Personal loans says that I need to pay {$360.00}, which I already paid off and should have a XXXX balance. American Express needs to fix my loan to have XXXX XXXX and any Bad credit reporting that they may have caused me. help me resolve this. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-05
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
The application for credit card was submitted online XX/XX/2021 I received a suspicious phone call from American Express XXXX stating they were from the fraud department of American Express asking me to verify my full SS # not the last four digits, I was not able to comply with giving my personal information to an unknown person, it is very suspicious of a credit card company to send a letter be sent from my bank to verify my home address and that they were unable to verify my SS #, in todays modern technology all information of previously accounts with any credit card company closed or open account access you have to have a legal record of accurate information is sent to the credit bureaus the matter of their verification of my information is not needed if they are the actual credit card company all the information is in the database records. 
My name address is the same previous account no with American Express all is verified by the Credit Card Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Experian Information Solutions Inc.
State: ID
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: Problem with personal statement of dispute

Complaint:
This is my second complaint with the CFPB about experian not supplying me with the proper documentation that I have requested. I have sent 6 requests now for all PHYSICAL documentation proving that the debts on my credit are mine and experian has blatantly declined to send me anything. FCRA 609 ( a ) ( 1 ) reads and I quote '' Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ),  clearly and accurately disclose to the consumer : ( 1 ) All information in the consumer 's file at the time of the request ''. I will attach documentation.

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 2020-07-10
Company: FIRST MERCHANTS CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I called First Merchants to close my checking account because I do not want to pay the monthly fee anymore. The representative told me I had to go into a branch to close the account, but I am not able to do this because I work during the day ( not to mention the risk of spreading the coronavirus ). This does not seem like a fair business practice at all to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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:
I'm sending this complaint to inform AGAIN the XXXX and TransUnion credit bureaus that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: MD
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  acct XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
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: Credit inquiries on your report that you don't recognize

Complaint:
I have several inquiries on my credit report that I do not recognize. I have been a victim of identity theft in the past, so this isn't a surprise to me. But these inquires must be removed. 

None of the companies have responded to my requests for removal, neither have the credit agencies

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 2021-05-21
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On What XX/XX/XXXX {$20.00} was taken from my cash app when my phone was not with me stolen and notified cash app they immediately disclaimed and said that funds would not be returned I happen trying to reach cash app in no Resolution husband found as of XX/XX/2021 I found them that I haven't had a problems with identity problem and they was not helpful they It was unprofessional in Denied my cla before doing due diligence into the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-18
Company: Experian Information Solutions 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:
Fraud scams using XXXX death record frauding scams frauding my families divorced out side documents of XXXX XXXX XXXX XXXX death record of XXXX county Indiana Frauding scams frauding using XXXX Frauding scams using land development frauding my documents a grade school documents as land development and back With ids scams and business scams

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 2021-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Hi, my name is XXXX XXXX and I am a victim of identity theft. I think a family member XXXX have gotten a hold of my social and began to start utilizing my credit in order to attempt to get loans and other goods. I called TransUnion and they told me to file the proper FTC paperwork and attached below is that paperwork.

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 2021-10-04
Company: EQUIFAX, 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 been diligently contacting Equifax in order to remove a Old Consumer statement from my report Since XX/XX/XXXX for a month now. The Consumer Statement was not made by me and is a result of Identity Theft in the past. All 3 of my Credit Bureaus had Fraud Alerts and Equifax Must Remove this Consumer statement. I have spoken to 3 different managers and 5 customer service representatives In Equifax customer service department and they all say they have removed the Consumer statement and will show as removed on the credit file in 72 Hours and they give a confirmation # but the Consumer statement still remains on my Equifax Credit Report eventhough I have no collections with Equifax and the Consumer statement was not done by me. I need The CFPB to request directly to Equifax that the Consumer Statement be removed Immediately! The last 4 digits of my social security # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Unable to access account information by computer unless I have a mobile phone. 
Have had various credit cards and bank accounts with this company over several years and never had a problem accessing accounts online until last year or so. Do not ever recall being informed there would be a requirement to own a mobile phone in order to use their online services. 
They claim this is a requirement to verify my identity as I travel quite a bit however every other financial and government website I access allows this process to be done via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Im being declined for a credit card Aadvantage card based on a previous account they claim Ive had with them when I havent I told them I was a victim of identity theft and they dont understand my concerns they lied to me thought out the application process with conflicting information its shameful how Ive been treated by this bank and how they dont care to satisfy my needs or resolve my concerns

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 2021-07-20
Company: SYNCHRONY FINANCIAL
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:
XXXX  reports Amazon/synchrony accounts XXXX and account number XXXX as the only negatives reporting on my good credit. 
Both accounts report seriously derogatory information that is harming me in the approximation of a XXXX fico point loss. This is the unconscionable travesty put forth by both the repository and the original creditor. The balance history at the time of the lates could only make sense to a XXXX XXXX. This account has been disputed many times and comes back verified in a reckless uncaring automated fashion. Even though they rely on the FCRA AS THE SOURCE REQUIRING ACCURACY THIS ACCOUNTS ( S ) HAVE BEEN INACCURATE ALWAYS. 
THIS NEGATIVE IS THE SAME ACCOUNT DUPLICATED REPORTED WITH TWO DIFFERENT NUMBERS BUT SAME ACCOUNT OPENING DATE. THE NEGATIVE PAYMENT HISTORIES ARE CLOSE BUT DO NOT MATCH. THEY, THE REPOSITORY HAVE DOUBLED THE DAMAGE ON AN ALREADY ERRONEOUS ACCOUNT BY REPORTING THE SAME ACCOUNT TWICE.. A DUPLICATE WITH CHANGED ACCOUNT NUMBERS AND LATE PAYMENT HISTORY THAT ARE SIMILAR BUT NOT THE SAME. 
YESTERDAY, THIS ACCOUNT WAS DELETED BY XXXX  AND MY ACCOUNT SHOT UP XXXX FICO POINTS. XXXX  DELETED THEIRS ABOUT A YEAR AGO. THIS ACCOUNTS, IN JUSTICE, SHOULD BE REMOVED TODAY!

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 2022-11-05
Company: Experian Information Solutions Inc.
State: TX
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 order to follow up on the CFPB complaint I made to the credit bureaus on XX/XX/2022, I am submitting this one. When I checked my credit report, I found that some of the data certain accounts were reporting was inaccurate. The three credit bureaus must verify these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unverified information without offering any justification within the legally required time range. The following false information in my credit report needs to be looked into and corrected : XXXX XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$180.00XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$1500.00}. I want the credit bureaus to update these accounts since they are reporting false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023 a Unauthorized inquiry was made to my credit profile

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 2021-07-20
Company: EQUIFAX, INC.
State: MI
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 disputed public filings on my credit report from XX/XX/2021 up until now, XX/XX/2021 with XXXX, XXXX  and Equifax. I have been given the run around as to who verified or added this information to my profile with XXXX. XXXX  and Equifax have not even responded to any of my dispute letters. XXXX has not shared any of that information even after reaching out to courts myself and finding out they did not report such information to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
My Name is XXXX XXXX and I have tried several times trying to reach out to Experian. They have constantly closed my complaint just made excuses on why they could not answer my complaint.This is my third time and the previous two times they have said they do not recognize the customer which does not make sense if I have provided my drivers license as well as a bank statement for proof of identity.I feel like I am being ignored

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 2023-01-26
Company: Monterey Financial Services LLC
State: GA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
this is a NOTICE OF DISPUTEXXXXMONTEREY COLLECTION SV violated my right to privacy, `I never had any contract or any agreement with them, they reported negative item in my consumer report in violation of 15 USC 1681 ( a ) ( 4 ), I never received any notice of negative information from them as mandated by 15 USC 1681s-2 ( 7 ) ( B ), They never had my written consent I AM DEMANDING THAT THEY DELETE THE ACCOUNT WITH ALL NEGATIVE ITEMS FROM MY CONSUMER REPORT IMMEDIATELY.

THEY ARE HARMING MY REPUTATION IN VIOLATION OF 15 USC 1692d ( 1 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Merchants Credit Corporation
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There was a Notice and Demand for Payment to recoup the exact value of the illegally collected debt in the amount of {$1600.00}. It is accepted that Merchant 's Credit, by not validating the alleged debt, are the illegal collectors of this debt and are personally liable for this amount of debt in this Notice and Demand for Payment. Though validation of this debt was attempted through mail, no validation occurred and the debt is being collected illegally.

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 2023-02-14
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: Account information incorrect

Complaint:
I paid the balance in full on the duo date, they took 3 days to process the payment and reported a full balance, I am paying interest and they report wrong balance. 
card number XXXX name 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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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