BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-10
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
There are so many issues to complain about from FedLoan claiming it did n't receive my paperwork, to not crediting my account appropriately and claiming I did n't pay when I did ( thank XXXX for my bank records ), to once claiming I did n't submit my IBR paperwork in time to be processed, although it 's on record with them and electronically that it was ( they just failed to get to it in time ). All of this has resulted in a TREMENDOUS amount of added interest to my account to the tune of XXXX of dollars. I 've never been late on a payment, and they make it incredibly difficult to renew my IBR! It 's a game they play in order to get more money from people! In my latest struggle with them, they simply wo n't acknowledge that I have had a change in family income and family size. They told me it would be " at least 90 days because they are backlogged ... they are receiving hundreds of complaints daily ... my application keep gets pushed back because every time someone complain they get pushed up and my paperwork gets pushed down the pile ... '' I CA N'T AFFORD to pay for their incompetence!!! 
I honestly do n't know how this organization can be supported by the United States Gov. It 's horrific to think of how many thousands of dollars in interest I 'm responsible for paying because of their mistakes. It 's disgusting to think of how many other unsuspecting and trusting individuals are out there dealing with the same thing while NO XXXX with the power to help has. I simply can not afford to keep this up! How much more interest will I be charged for their negligence and illegal policies? Please, please, please help me and the thousands of other people who are simply trying to get the appropriate management of our loans. Fedloan causes me to have anxiety like nothing else ... .I know they are stealing from me and there is nothing that can be done except accept it. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
someone has tried to steal my identity and tried to open credit cards in my name. there was XXXX hard inquires on my credit report from XXXX, cbna, and XXXX all done on XX/XX/2016 I sent dispute to Equifax and they said that they could do nothing that I would have to dispute with credit card companies. I called the companies and they could n't find a record of it except XXXX. so far they have not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have my identity stolen ( actually identity hijacked ) by my former property manager and she filed a bankruptcy in my name to keep houses from going into foreclosure that she fraudulently pulled HELOC 's in my name. I have repeated contacted Equifax about this and they refuse to investigate other than to call the Court to see if a BK was filed in my name. I have a police report, FTC Identity Theft Affidavit, Handwriting expert sworn testimony corroborating my claim and Equifax refuses to remove this error from my credit report. The other XXXX bureau 's have removed this inaccuracy a long time ago. Please help me, I just want them to actually look at this objectively. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I apply for a XXXX XXXX and they used Equifax to obtain a full credit report on me. My application had an incorrect social security number written down on the online application. ( I kept screen shots of my online application ) Equifax sent XXXX XXXX my credit report and placed a hard inquiry on my credit report. It took several months but the inquiry was removed by XXXX after great effort on my part. I would like to know what person information does a financial intuition needs to provide a credit report agency before the XXXX will send out a full credit report on an individual back to the requesting company? Can an inquiry be moved from the hard inquiry section to the soft section of a credit report for other reason than fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
equifax refuses to remove account numbers XXXX,XXXX,XXXX,XXXX,XXXX from adverse accounts section of my credit report. these accounts are in defferment/forberrance and are seven to ten years old. verbally a exufax customer service represenative stated that the servicer of these accounts reported a missing payment. upon reviewing my equifax report. report confirmation number XXXX all of the above accounts have payed as agreed in the remarks section. Equifax website will not allow me to dispute these accounts indicating my session has timed out after numerious attempts. account # XXXX has been placed in the in collections area of the report. this account was included in bankruptcy that equifax has discharge correspondance and was not on the previos report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am submitting a complaint regarding 2 tax liens that are showing on my Equifax credit report. I did not know the source of their information on the liens and due to this Equifax violated the Fair Credit Reporting Act. in addition both liens are " PAID, AND ORDERED CANCELLED FROM RECORD '' from the Georgia Department of Revenue. I have submitted court documents affirming this to Equifax and they have refused to remove the liens, despite court order. I have previously disputed the liens with Equifax 3 times but they have not removed them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-14
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
VA paid for an emergency visit. For service connected vet the credit people post the debt as the vetransand shows collections .same with forgivin student loan. Shows serious delinquintcy in all XXXX cases and ruined credit. The student loan is 15 yrs old the originators of the emergency debt even wrote a letter requesting it to be taken off with no avail. Help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Rent Recovery Solutions
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A proper billing statement was not received from the original creditor. The original creditor is The XXXX XXXX complex. After moving out of the apartment, a summary of charges was sent to our new address. This statement did not include an address to send payment, payment methods, payment stub, or due date. Adding to the confusion the enveloped the statement was sent in was addressed from XXXX, GA. The summary of charges document inside the envelope is addressed from XXXX, Al. This debt was sent to Rent Recovery Solutions. The collections agency was notified via telephone on XXXX/XXXX/15 when they called that proper billing notification had not been received from the original creditor, and that they were to only communicate via mail. This demand was ignored several times as we received several phone calls until we sent a certified letter again explaining the situation and requesting validation. The validation sent was the same summary of charges received from the original creditor that again did not include a due date, options of payment methods, payment stub, or address to send payment. A dispute has been sent to XXXX and XXXX, situation explained, proof submitted and has been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: DISCOVER BANK
State: MD
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Discover card offers a price protection guarantee for items purchased using the card whose price drops within 90 days of purchase. I purchased a number of iPads that later dropped in price, but the company to whom Discover outscources their claims service, XXXX, refuses to pay out on the claim. The reason cited is that there is an exclusion for paying on no more than XXXX of any identical item. I purchased XXXX iPad mini 4 XXXX in Space Gray, and XXXX iPad mini 4 XXXX in Gold, and I have been told that only XXXX of these qualify ; the terms exclude size or color in the determination. However, in looking at DIscover 's terms and conditions listed on their website, I was only able to find the following sentence : " Coverage is limited to XXXX of an identical item with a limit of XXXX refund per eligible item. '' Nothing about color or size. The XXXX different types of items have different model numbers, are discounted independently from oneanother ( there was a sale at staples where silver iPad mini 4 XXXX were not discounted but the other colors were ). By any reasonable reading of that sentence, one would conclude the items are not identical.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Transunion is reporting a collection on my credit report from 1998. I got a ticket for something when I was XXXX years old and had an unpaid fine. I did n't realize that I should n't pay a debt from 18 years earlier but I did and now it is damaging my credit. I 've disputed with Transunion three times to remove it and they refuse. Please get it taken off my account.

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 2016-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have accounts reporting on my credit report that I did n't do or get. My name is very common and the local police department explained that the best route would be to call the bureaus and another government agency I think this one but it was called something else. I have a judgement for an auto? and child support? very frustrated with myself for not keeping up with this stuff.. did n't think i had to. I 've sent the bureaus dispute letters but there has n't been any real traction. This is affecting my personal life and the more time that passes the more XXXX i 'm getting. I have followed the specific instructions on the website showing what to do and i uploaded it. I can give you letters sent and receipts.

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 2015-12-25
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Other

Complaint:
I lost my job and got behind on my Discover Card payment. I contacted XXXX XXXX, a debt management organization, to help me consolidate my debt to get it paid off. I contacted them, but did not sign any agreement forms with them. On the advice of the Counselor they advised me to get my entire credit account number by calling Discover, this was in the month of XXXX 2015, since I no longer had the card. I called the XXXX number for Discover and was transferred to the collections department. I spoke with the representative and reiterated many times I have not signed with a debt management program I just need the account number. The Discover Collections representative threatened to send my account to their " attorney '' if I hung the phone up. So I was forced into signing up with their collections department 's program if I did not want them to turn my credit card account over to their " attorney. '' I discovered that what they did was unethical and perhaps illegal. I contacted Discover and was assured by a " manager '' that my recorded/monitored call would be listened to and they would follow up with me to know the outcome. I made numerous calls over the next two months to see if what that Collections representative did was unethical/illegal, but to no avail. Fast forward to XXXX I have signed up with XXXX XXXX for debt management services. XXXX contacted me letting me know that Discover had me in their Collections Department debt management program, therefore I could not be in XXXX 's. I was livid!! In XXXX 2015, I called Discover and spoke with a Manager who assured me I would be taken out of Discover 's debt management program. The Manager also said she would forward my complaint on to the correct department. I do n't believe Discover one bit I think they are scammers and if that Collections representative used unethical/illegal collections tactics with me he will use them with everybody

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: WLCC
State: MI
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took out a loan the Leander was taking hundreds of dollars out of my account per month but the debt was not being paid off after several weeks of paying I was told there is an {$8.00} a day interest rate I do not think that is fair and I know the loan should be paid but now lender is threating wage garnishment

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-19
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Unable to get a credit score or report because all of the ph # they day are associated with me are not, asks my mthly auto payment from purchase in XXXX & I 've never bought a car, asks about mortar from XXXX and I 've never bought a house or had a mortage, no score and no report and all associated cities and numbers are not associated with me whatsoever.

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 2016-04-01
Company: Ascend Consumer Finance, Inc.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Unfair Lending Practices. I was given an offer from Ascend Consumer Finance ( XXXX ) XXXX based in XXXX, CA for a personal loan. I passed all of their credit criteria with flying colors. I would not even have applied for the loan if I did not meet the minimum criteria. I provided all needed documentation. I signed the contract to receive the loan indicating my APPROVED status. Later I was notified that I would not get the loan. This appears to be a scam company existing to ruin my credit rating and steal my identity. i would advise ALL consumers seeking financial services to steer clear of this company at all costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently reviewed my credit report from Experian, and discovered that XXXX claims that I have an unpaid account opened on XXXX/XXXX/2014 with a balance due of {$190.00}. I have never had a XXXX account at any time. The account number on the report is : XXXX. I want this error removed from 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 non-monetary relief
Consumer complaint received 2016-04-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX is showing a line of credit on my credit report under the name of XXXX XXXX. This account is not mine. The bank refuses to give me any information on the account, because my name is not XXXX. They will not remove this fraudulent information from my report. I have also submitted several attempts to dispute the inaccuracy with the credit bureaus. This has severely damaged my credit and are ruining my purchasing power. Bottom line is my name is not XXXX XXXX, I did not open an account with XXXX XXXX and this should not be on my credit report. I have never been late on any of my payments with any company.

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 2016-11-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
After reviewing my credit report in detail at the beginning of 2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over 5 letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 

Accounts in question are : 1.DP OF EDUC ( letter got returned, over 7 years from first date i was first late ) 2. XXXX ( over 7 years ) 3. XXXX ( I do n't owe anything, says on my report {$63.00}?? simply not true ) 4. XXXX ( i believe we first became late of 7 yrs ago ) 5. XXXX ( I was first delinquent with ORIGINAL CREDITOR over 7 years ago ) 6. XXXX ( i was first late over 7 years ago ) ( very sure ) 7. XXXX ( i was first late over 7 years ago ) Thank you for your time and i 'm looking forward to getting this resolved. have a great day.

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 2015-05-13
Company: SYNCHRONY FINANCIAL
State: NE
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Had to get some dental work done so the dentist referred me to this Care Credit card that they were advertising on the counter there was no talk about interest on top of the high Bill as it was after paying XXXX years on it the bill is higher then what original total was all these years later now they are trying to garnish my checks for a XXXX total turned into XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-11
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I wanted to get in contact with you guys because i were tryana to open up a checkin account with my bank and i couldnt becasue someone messed uo my credit getting things in they name steal my idenity. I just turn XXXXyears old XXXX XXXX. 2015 theres no way i could of got things in my own name i was a minor at the time they got things in my name i need my credit score cleared.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Tried multi computer, differenet browers, different settings over many weeks but always get this message from Experian. 
A condition exists that prevents Experian from being able to accept your request at this time

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 2016-07-14
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed a business account that is reporting inaccurately on my personal credit profile, I have not been provided with any documentation that supports the credit reporting agency 's or the credit furnishers investigation process or any information the might have reviewed to make the decisions they have regarding this account.

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 2015-04-06
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Experian refuses to delete an account that was supposed to be deleted in XXXX 2015. I have disputed and provided them their own records and they still wont delete it. Attached is proof from my XXXX report and how the info changed on my XXXX report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief