BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-04
Company: AES/PHEAA
State: MD
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:
Hello all, My complaints with my loan servicer, and specifically my XXXX XXXX loan forgiveness payments, are as follows : Complaint # 1 : A qualifying payment of {$260.00} was made on XX/XX/XXXX, with a due date of XX/XX/XXXX. PHEAA says payment does not qualify is because, " You did not make this payment within the required timeframe. '' I made the payment 10 days before the due date. 

Complaint # 2 : Submitted annual recertification the Spring of XX/XX/XXXX via fax ( the only way for paperwork with the company at the time ). Try to contact company multiple times throughout XX/XX/XXXX ( even made extra payments ) to check on my status, and still received no word of my recertification. Because of this, I was forced to put my loan into administrative forbearance. I finally receive certification in XX/XX/XXXX, 6  months of missed time. 

Complaint # 3 : Delays my income/employment certification AGAIN from XX/XX/XXXX through XX/XX/XXXX. Another 3 months I can not count due to their unbelievable delay/lost paperwork. If you look through phone records on my account, a manager called me back informing me of restitution for their errors, which never happened. 

Complaint # 4 : Paid {$320.00}, based on an email from them saying " We want to remind you that your payment of {$320.00} is due on XX/XX/XXXX. '' However, is not counting the payment because " You did not pay the full installment due. '' I have an email in my hand right now that showed them saying I owed {$320.00}. I paid exactly what they asked. 

Complaint # 5 : Another extreme administration delay in processing my paperwork for changing my repayment type, this time from XX/XX/XXXX through XX/XX/XXXX. It is unfathomable that it takes 3 months to review paperwork that can now be automatically uploaded online and reviewed. 

As seen in the Massachusetts lawsuit against PHEAA has failed to process borrowers ' IDR applications timely and properly, thereby depriving borrowers of the opportunity to make qualifying monthly payments that count towards loan forgiveness. To accommodate its processing delays, PHEAA has put borrowers ' accounts into forbearance status, which is not a qualifying repayment plan for loan forgiveness. This is not acceptable, and I am requesting that the above mistakes and delays be corrected via restitution. As a XXXX  XXXX working for a XXXX, I 'm relying on this program and these mistakes are unbelievable. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I pulled my Credit Report and notice their was some fraudulent activity on my file. I filed a police report in on XXXX XXXX, 2017 and an investigation began for Identity Theft. I called on XXXX, Transunion, XXXX and they placed a 90 day alert on my file. Each credit bureau assured me that once I send over the police report ; the 90 day alert will be change to a 7 year alert and all hard inquires and negative accounts will be removed. I applied for a rental and was denied ; I called the rental company to get further clarification. The Credit Bureaus did not place a 7 year hold on my credit report nor they did not delete the hard inquiries and derogatory accounts.

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 2019-07-30
Company: Experian Information Solutions 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:
THIS is NOT a DUPLICATE dispute Experian you state remaining account there is no remaining account that was false reporting to CFPB. enclosed is a fax I sent to XXXX /XXXX XXXX to whom you are reporting that states they do not own account. in my fax I stated that you Experian are pointing the finger at XXXX, I then phoned XXXX  and talked to them about your actions they were not happy stating again they do not own account .CFPB I have shown a clear case of credit reporting fraud and credit manipulation a violation of FCRA { Experian remove this account at once I am not asking for an investigation thats been done and all facts lead to you as fraudulently reporting inaccurate information as to credit manipulation. you are still reporting NON owner on credit report as of 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 explanation
Consumer complaint received 2019-05-04
Company: Bread Financial Holdings, Inc.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XXXX of 2016, I received a notice about a late payment for on my XXXX XXXX credit card - comenity bank. I notified them that I had not received any bills or notification and paid the bill in full right away. I had them update my mailing address ( which they did not have the correct address ) and my email address. I was told this would have no negative impact to my credit because of the measures I took to resolve. 

For the last 3 years, I have had this 1 single late payment reflected on my credit report and have never had a late payment before this false report. I have excellent credit and am very meticulous about my finances. I would like to have this rectified on my report to reflect my level of conscientiousness and the fact that they did not have the proper information in order to send me a paper bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hi there, I opened a chase checking account on XXXX at Chase XXXX XXXX branch with a promo of {$220.00} bonus ( see attached ). I've met all requirements, but bonus hasn't been deposited as committed by Chase per promo terms. I've contacted chase, they couldn't locate the promo attached to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: NY
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 discovered that I am a victim of identity theft. So I am writing to request an EXTENDEQ FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. 
Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. 
I ask that you comply with the Federal Laws in place, and swifly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent Accounts ''

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 2019-05-06
Company: Experian Information Solutions Inc.
State: NY
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 following accounts do not belong to me. I have contacted these companies several times as well as the bureaus to have them removed. These accounts do not belong to me 1 ) XXXX XXXX XXXX   Opened XX/XX/XXXX {$27000.00} 2 ) XXXX XXXX XXXX XX/XX/XXXX {$19000.00} 3 ) XXXX XXXX XXXX XXXX XXXX {$66000.00} 4 ) Credit Inquiry on XX/XX/XXXX XXXX XXXX ( REMOVE because someone applied for credit in my name )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have the credit inquiries below I did n't authorize dealer to submit to these banks. XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX , AZ XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX , AZ XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Reseller XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX I XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX & XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XX/XX/XXXX  XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX  XXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
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: Personal information incorrect

Complaint:
I have currently have incorrect personal information on my credit report. 


Please update and my name, address and employers to the following and delete the rest. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Employer- Retired Please remove all other names, addresses, and employer information if not listed above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Bread Financial Holdings, Inc.
State: NJ
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 XXXX client XXXX XXXX is an identity theft victim. Her information was used without her consent to apply for credit cards. A Comenity Capital Bank card/Virgin Airways card was applied for XXXX/XXXX/2016 however the application was not approved but the fraudulent inquiry was found on her XXXX credit report. A dispute of this inquiry was sent to Comenity Capital Bank as well as XXXX however the inquiry was verified as " accurate '' even though a police report was provided indicating this activity was fraudulent which is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04
Company: MARINER FINANCE, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I recently reviewed my credit report and noticed that Personal Finance Company is now renewed and is reporting that I owe them {$3700.00} as of XX/XX/2017.. on a debt that was discharged through my bankruptcy. They are not acknowledging any bankruptcy and it is as if the debt has been renewed. Previous reports this item was removed from my credit report and this one just showed up.

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 2021-12-23
Company: Experian Information Solutions 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:
On XX/XX/2021, I submitted a complaint due to the fact that my original dispute with Experian was being ignored since my original dispute date of XXXX XXXX. It took over 90 days for them to respond to my dispute, which should have resulted in the disputed inaccurate items being deleted from my consumer report permanently. However, the accounts are still on my report with no document evidence from the investigation that was made. An investigative report should be done with personal interviews and Experian FAILED to accurately investigate the accounts and provide the document evidence from the investigation. I need these inaccurate and unauthorized accounts removed from my credit file IMMEDIATELY because it is hurting my chances with getting a mortgage, which is help ruin the banking system which in turn ruins the economy!

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 2022-02-04
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-19
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
EQUIFAX : Has listed on my credit report a debt collection from XXXX XXXX XXXX Acct # XXXX. I have asked them several times to verify this account with me and to send me verification of this acct. Within the timeframe. They have never verified anything. And this acct dated XXXX/2010 something from almost 7 years ago. They allow the company to report this on my credit report every month. An account that has never been verified. Also the company lists the date of acct as XXXX/10 and on another reporting system it is listed as XXXX/10 so the dates do not match up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: NY
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 discovered that I am a victim of identity theft. So I am writing to request an EXTENDEQ FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. 
Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. 
I ask that you comply with the Federal Laws in place, and swifly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent Accounts ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Applied U.S. Bank Platinum Visa Card on XXXX after receiving a pre-approval in the mail. Received mixed messages online after submitting my application about whether I was approved. On one hand I got the auto-confirmation that line of credit was granted and that I'd be receiving my card in 4 business days. On the other hand I got an email saying their decision will be mailed to me in 10 business days. I called twice on XXXX to ask for an expedited card, clarification whether my application was accepted or not, and a credit limit increase since the initial amount was low. I didn't receive clarification from either phone call and was verbally rejected for an expediated card and limit increase. I didn't receive card for 3 weeks with no explanation. I called their number on XXXX twice, first time to request an expedited card, second time a few hours later to make sure the the first call rep did anything because at this point the bank and this credit card process has been incompetent. If I hadn't heard of U.S. Bank before I thought I was in the middle of a identify-theft scam. 3 reps over 2 calls on XXXX assure me I'll be receiving the card on XXXX and that I may call on XXXX for the tracking number. I call twice on XXXX for the tracking number and both reps don't have a tracking number for me and inform me that the replacement card hasn't been shipped yet. I called again on XXXX and there's still no tracking number or indication that a card has been sent. My conclusion is that the bank is giving me the run-around and refusing to provide the card so that I may not use their service. It's hard to believe this is just incompetence.

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 2021-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 I recognized that my credit was being used and there was unauthorized hard inquiries on my credit report from someone attempting to obtain credit in my name. I have filed a police report, and sent a formal letter to all three credit bureaus stating that I was victim of identity theft and fraud. I also placed a fraud alert on my credit. XXXX  was able to remove all of the inquiries, however, when I contacted XXXX  and XXXX  on XX/XX/2021 they refused to remove the unauthorized hard inquiries even though I mailed in a dispute letter with a police report attached. I am very furious because these fraudulent inquiries have hurt my credit and I am now not able to even apply for anything myself because the inquiries dropped by score 50 points. There are 7 inquiries on XXXX  and 5 on XXXX  that I need removed immediately. The companies involved are XXXX XXXX, Capital One, XXXX XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation