BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-12
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: Old information reappears or never goes away

Complaint:
Previously complained and the bureaus fixed all the accounts, but now two accounts are showing disputed again as of X/XX/2017 on all three bureaus. -Previous complaint XXXX about TRANSUNION . -Previous complaint XXXX about XXXX . -Previous complaint XXXX about XXXX , XXXX . They are now showing XXXX XXXX XXXX as disputed when I have repeatedly, and even the CFPB has now, advised them these two accounts are not disputed. This keeps holding up my mortgage reviews because I ca n't have disputes shows. The accounts were updated correctly before, but now these two show disputed AGAIN when I have advised numerous times I am not disputing any accounts. Please help.

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 2017-08-12
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am having extreme difficulty contacting my student loan collector Navient. On XX/XX/XXXX at XXXX I attempted to contact the Federal Loan department of Navient, and after getting their automated system to understand that I need to talk to a real person I was transferred to another automated message saying that their offices were closed. This runs counter to their " contact us '' information provided online as well as in the automated message that I was transferred to, with both sources of information saying their Federal Loan department was open till XXXX on Fridays. After this I attempted to call another number, and got through to the Private Loan office. The woman I talked to said she could transfer me to the Federal Loan department, but after the " transfer '' I was met with another automated message and a dropped call. I am still trying to contact Navient, but not much is helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: JPMORGAN CHASE & CO.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In the months of XXXX, XXXX and XX/XX/2020, My family and I was affected by XXXX XXXX. I was XXXX and had to stop working due to XXXX that had impacted me doing those vary difficult months. I called Chase Auto to inform them I was impacted by the XXXX, and weren't able to pay my car payments at that time. I had been hospitalized for five weeks due to the XXXX. After I came home, I wasn't able to return back to work right away because my body needed time to fully heal. Chase Auto informed me that they would put those three late payments in the rear of the loan and I could start paying car payments as though nothing ever happened. I returned back to work and resume paying my car payments again. Chase Auto reported that I was XXXX days late to the credit reporting agencies and gave me a bad credit rating because I had fallen XXXX with XXXX   XXXX, and could not pay my car payments on time these three months. I was informed that when payments are deferred, you do not get any negative marks on the credit file because the payments are deferred and put in the fear of the loan. Chase Auto deferred the three late  payments and still gave me the negative marks as if the payments were not deferred. I would like for them to make the corrections so that my credit file will reflect on late payments for these three months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Parker & Associates
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
This company calls from various phone numbers using a robotic message. Sometimes I am able to speak to a live person and other time they hang up on me. 

They call my family members. 

XXXX Call to my spouse and threatened to take legal action XXXX I called and they told me they were XXXX Parker and Associates. They refused to give me an address and would not give me more information. I have asked for information in writing.

Company response to consumer: Untimely response
Consumer complaint received 2020-05-23
Company: TRANSWORLD SYSTEMS INC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand that the following accounts be verified or removed immediately : Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: EQUIFAX, 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:
I have disputed an account twice with the credit bureaus stating for them to send me proof on how they are verify the account. they have failed to send me any type of proof. I have attempted to reach the company and spoken to XXXX at XXXX XXXX ( disputed account ) and she stated she didnt have any information on my account and was unable to validate anything. So if the company is unable to validate the account what information is the credit bureaus able to verify.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Fraudulent account. Opened without my knowledge, consent or authority. Company agreed to delete it from my report due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Resurgent Capital Services L.P.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have made several attempts with the company to get them to provide me specific information pertaining to an account they are saying I owe. I have contacted XXXX funding on several occasions requesting a copy of the agreement they have signed with the creditor that gives them the right to report the information on me XXXX XXXX as well as the agreement that I signed with the original creditor that bears the signature of XXXX XXXX. I have mailed the letters out to XXXX on several occasions via regular mail as well as certified mail. The comapny has failed to repond to my specific request for information yet they are still reporting information that is incorrect and not accurate on a debt that DOES NOT BELONG TO ME AT ALL. The company has not responded to my mailed request but has sent in response to my complaint # XXXX from XXXX in their compliance department but the response does not support this company complying with FDCPA guideline or FCRA guidelines. They simply sent me a copy of a statement from the original creditor. This statement is not PROOF of this debt being valid and I have demanded that the information be removed from my report immediately and the company has failed to adhere to the requests that I have made on numerous occasions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
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: Old information reappears or never goes away

Complaint:
Previously complained and the bureaus fixed all the accounts, but now two accounts are showing disputed again as of XXXX/XXXX/2017 on all three bureaus.
-Previous complaint XXXX about XXXX .
-Previous complaint XXXX about EXPERIAN .
-Previous complaint XXXX about XXXX XXXX XXXX .
They are now showing XXXX XXXX XXXX as disputed when I have repeatedly, and even the CFPB has now, advised them these two accounts are not disputed. This keeps holding up my mortgage reviews because I ca n't have disputes shows.
The accounts were updated correctly before, but now these two show disputed AGAIN when I have advised numerous times I am not disputing any accounts.
Please help.

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 2021-07-01
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for an income-driven repayment plan in XXXX to work toward PSLF when I started working for a new public employer. I had been on the IBR program before leaving to work for three years for a non-qualified employer, and thought this was still the only program I was eligible for. I was put on IBR, which required I pay 15 % of my income toward my student loan. I was never informed that I was eligible for the REPAYE program, which started later and allowed me to instead pay 10 % of my salary. I just found out about REPAYE in XXXX, applied and was approved. Because my servicer ( via MyFedLoan ) didn't inform me that I was eligible for a lower payment, I have been overpaying by 5 % of my income for over five years. Is there any recourse to get this refunded? 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate .Myname is XXXX XXXX XXXX , please delete all other variations. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX I do not and have never lived at the mentioned addresses 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 2017-08-12
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:
I have disputed an account twice with the credit bureaus stating for them to send me proof on how they are verify the account. they have failed to send me any type of proof. I have attempted to reach the company and spoken to XXXX at XXXX XXXX ( disputed account ) and she stated she didnt have any information on my account and was unable to validate anything. So if the company is unable to validate the account what information is the credit bureaus able to verify.

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 2018-09-21
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX ... 

I needed medical treatment when I first arrived to Texas, went to an emergency facility because I didn't know where else to go ... 

Received treatment on XX/XX/2017 and paid {$220.00}. 

I asked if this settles my bill with the nurse, doctor and receptionist and I was told yes. Received a cash receipt. 

Six months later I began to get bills for {$350.00} and I wrote back stating bill had been paid in full with {$220.00}. 

Then I started to receive bills for {$150.00}. 

Now, they have submitted 5his information to a collection company called Amcol. 

This information is now showing on my credit report. 

Help?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
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: Account information incorrect

Complaint:
This loan is with XXXX XXXX I paid them on XX/XX/XXXX in full they gave me a receipt saying XXXX balance. They did not report to the credit bureau 's that the balance is paid in full I called XXXX XXXX twice to fix this the first time they told me to wait until the end of XXXX and it will update XXXX I call Transunion to report the incorrect information and the report came back that the information was correct and I sent the receipt from XXXX XXXX they still would not correct it. Here it is now XX/XX/XXXX and it is still showing balance XXXX and high balance XXXX on my credit 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 2018-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I used XXXX for transportation on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX pulled funds out of my Bank Of America Checking account. This is NOT an account I associated with XXXX payments. The only payment listed in my XXXX account is XXXX. I may have had my banking information listed in the past, but it has changed as of 2 years ago. I do not know how XXXX got a hold of my bank information as I already " erased '' it from their system. It is very troubling. I called XXXX. They have no documentation of payment request from XXXX on those dates. I called Bank Of America. I was told XXXX pulled the funds out and to call them directly. I don't understand why an unauthorized transaction would go through? XXXX DOES NOT have a customer service phone number or email readily available to contact them. Please refer to a copy of my bank statement for reference.

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 2018-09-25
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: Personal information incorrect

Complaint:
I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate .Myname is XXXX XXXX XXXX , please delete all other variations. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX I do not and have never lived at the mentioned addresses above.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: CITIBANK, N.A.
State: IN
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:
I have been charged interest charges on unpayed balance since XX/XX/XXXX upto and including XX/XX/XXXX. During this prior of time I never received a paper or e-mail statement on billing. Therefore Sears Citi Credit Card Company has been taking the mim.payment from my checking account and adding interest at a high rate monthly on the unpayed balance. I think since I did not received any monthly statement that I should not be liable for any interest charges to my account. Prior to this time frame I have always pay my bill in full monthy. I am a Senior age XXXX and not afford all of these bogus charges. Request an Investigation into this matter.

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 2018-09-21
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My loans are serviced through XXXX XXXX. I have been in the IBR/IDR program for years and have kept my account current. AES contacted me as they do every year and stated I had to renew my IBR program. I sent in the form and paystubs over a month ago. I feel that they are intentionally delaying my right to reduce my payments under this law of this program. I have sent my paperwork in several times and they keep denying it due to additional documentation needed. I've sent my paystubs 3 times in the last six weeks to get this resolved. I've sent in several emails including this one today to AES which states the following : I have been trying to get my IBR/IDR case processed through you company for over a month. The last letter I received says you denied it because you don't have all the documentation. I have sent over my paystubs which displays I can not afford a $ XXXX  monthly payment and I have a XXXX dependent in my household. I take care of me and my daughter. I am a single mom. I feel like you are intentionally delaying this process and therefore, I am going to put in a complaint with the government regarding your company. You are not allowing me to exercise my right to reduce my student loan payments due to income. Once again today, I have sent over my IDR form and my paystubs. There is no other documentation to provide you. I am not married. I have been in this program for years and it is very ironic that you are delaying my right to reduce my payments all of sudden. I would like a supervisor to contact me to get this resolved or I will be moving my loans over to another company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Hello I tried to apply for a bank account and was denied because of something called the early warning system I read that it was fraud going on with accounts as far as checks and owening banks I saw that I owe like XXXX dollars I have never wrote nor misused any accounts I was a victim of identity theft I have know knowledge of this report. I would like to have this resolved so I am able to open a bank account. The date of supposed incident or closure date is XX/XX/2017. I'm not admitting fault but if I have to pay it back that's what I'll do.

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 2017-08-12
Company: Lending Club Corp
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On two occasions Lending Club received from me a payment for {$460.00} instead of the correct amount of {$460.00}. They rated these payments as LATE and assessed a {$15.00} XXXX XXXX Dollar ) Late Fee for XXXX cents. I think this is a total outrage and if it is not unlawful I can not see why it is not. On XX/XX/XXXX Lending Club received my check payment of {$460.00} and called me to say it was LATE because I did not include the LATE FEE charged for XXXX CENT ERROR. I enclosed a letter a copy of which follows : I am old and copy last payment. This is how it happened twice. Please do NOT consider my account late due to this. You are truly AWFUL to deal with and I have been a very good customer for quite a long time. I am today mailing {$460.00} by first class mail. In time past you never sent an email with actual payment due and it was somewhat difficult to look up. You have corrected this but only to PUNISH your customers. You are AWFUL. IMPROVE. Here is the history which includes the pair of incorrect payments and the fees : ID Date Description Status Amount Hope you 're doing well. We all have a lot going on, so we wanted to remind you that on XX/XX/XXXX your payment of {$480.00} is due. If you have already contacted us or sent in your monthly payment, you 're all set! XXXX XX/XX/XXXX Check Received Posted {$460.00} XXXX XX/XX/XXXX Check Received Posted {$460.00} XXXX XX/XX/XXXX Check Received Posted {$15.00} XXXX XX/XX/XXXX Check Received Posted {$460.00} Balance Overview Loan Status Late ( 16-30 days

Company response to consumer: Closed with monetary relief