BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-20
Company: EQUIFAX, INC.
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2015-08-03
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I 'm having problems making payments on my student loan serviced by AES ( contracted through XXXX ). I am told the ONLY way I can make payments on my loan is to give them my bank account information. I am not okay with this at all. I have other loans being serviced by other companies that have no problem taking payments over the phone with my debit card. So since AES refuses card payments, the only way I can pay my monthly is to let it go past due and have a XXXX party collection agency take the card. This would be fine if not for the past due/late fees that are absolutely ravaging my credit. Their customer service is terrible and runs me around in circles every time I contact them about this beyond the point of frustration. This set up is ultimately going to lead me to paying extra late fees every single month and more than likely defaulting on this loan for absolutely NO GOOD REASON.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
My loan servicer, FedLoan Servicing, has been unable to produce the Master Promissory Notes for my consolidation loans. These documents are required by a loan repayment program offered through my employer. I have called them approximately 8 times over several months for these documents. In the first few calls, I received conflicting information about whether or not FedLoan Servicing had the documents. Representatives also kept referring me to other sources instead of escalating my request with FedLoans, who is the servicer of the loan. The servicer is legally required to hold the Master Promissory Notes. 
When asked if they could provide any alternative documentation such as an affidavit that they have lost the promissory note, FedLoans representatives said that they are unable to do so. 
This represents a failure to provide a basic service to me as a borrower.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11
Company: CL Holdings LLC
State: TN
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:
XXXX XXXX Jefferson capital systems I sent a letter directly with this collection company I ask them to provide me verification of this alleged debt as mine with a wet signature or any instrument bearing my signature which they did not provide me with they only sent me a bill an I also placed a dispute with XXXX to confirm them that Jefferson capital systems did not provide proof and they are reporting late payments and past due on a closed ended account which is a fcra violation

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I started my private student loan with XXXX bank and then I get a letter stating they are selling my loan to AES. I never signed any paper work with AES and now they want to raise my interest. I had to go through extensive work to obtain a loan with XXXX and now it can easily be passed over to AES? I need to have documentation stating that I 'm OK with that and need to have my signature on AES paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX- I bought a used XXXX XXXX coffee grinder online for XXXX dollars. 
The seller confirmed my money went through via chase quickpay and then never sent the product nor is responding to me. So I have sent XXXX dollars to someone when they led me to believe they would send the coffee grinder to me. Seller is now not responding to any messages or phone calls. This is a scam - I have lost XXXX dollars and my bank chase is not reversing the transaction. I have the documentation to prove this is a scam but they will not even look at it. 


XX/XX/2021 - Spoke with XXXX XXXX fraud department multiple times and they insist they can not do anything about this transaction. This is a bank account tied to a real person and they can not reverse it? Many people are getting scammed by this person and I have the documentation to prove it. However they will not even look at the evidence. They just refuse to reverse it and refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I spoke with a FedLoan representative about enrolling in the Public Service Loan Forgiveness ( PSLF ) program and was told that payments that I made under the 10-year Standard Repayment plan are not " qualifying payments '' that count toward PSLF. However, the definitions on the PSLF form include the " 10-Year Standard REpayment plsn '' [ sic ] as a " qualifying repayment plan. '' The representative did not explain this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My Credit Report shows that I have 3 Late Payments and it doesnt give or list the Company Name, Phone number ( s ) or the Dates of the Late Payment. I have never been late on my payments and I can not find where this incorrect information is located or coming from. I Dispute the 3 listed Late Payments that on my Credit Report. XXXX XXXX XXXX, DOB : XX/XX/XXXX. 
Mobile # ( XXXX ) XXXX Email : XXXX Mailing Address : XXXX XXXX XXXX, XXXX NM XXXX, Physical Address : XXXX XXXX XXXX, XXXX NM XXXX.Thank You

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 2022-03-25
Company: EQUIFAX, INC.
State: FL
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:
EQUIFAX IS UNREACHABLE BY PHONE WITHIN REASON AND NONE OF THEIR EMPLOYEES WILL ASSIST IN ANY INVESTIGATION OR REMOVAL OF INACCURATE INFORMATION NO MATTER HOW MUCH YOU PROVIDE PROOF OF THEIR INACCURATE REPORTING THEY HANG UP ON YOU AFTER 6 HOURS ON THE PHONE. THEY IGNORE YOUR MAIL, THEY IGNORE LAWSUITS, EQUIFAX IGNORES THE CFPB AND ANY AUTHORITY THEY ARE GOVERNED UNDER. THEY REFUSE TO COOPERATE WITH ANY REQUEST FOR PROPER INVESTIGATION. I HAVE MULTIPLE COMPLAINTS AND DISPUTES UNRESOLVED, AND EQUIFAX PUNISHES ME EVERYTIME I SUBMIT A COMPLAINT BY REMOVING POSITIVE REVOLVING ACCOUNTS AND RE-AGING ACCOUNTS THAT SHOULD BE REMOVED BY LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For months I have been called by ( XXXX ) XXXX on a daily bases. I picked up a few times telling them I do not owe the alleged debt from 2019 XXXX XXXX. They do not stop. I have also reached out to XXXX who does not have information on this account. This is harassment. Sometimes every day, sometimes every other day. This isn't fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-14
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
THERE ARE XXXX INQUIRES ON MY CREDIT REPORT DATE FOR XX/XX/2015,XX/XX/2015,XX/XX/2015 AND THEY SHOULDNT BE THERE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Have you heard about the more recent phishing scams using PayPal invoices? I think there is some liability on PayPal 's part. When my elderly relative received an invoice sent via XXXX he hovered over the return address to verify the sender. It really was sent from XXXX, and further it appeared to have been sent by " Billing Department of PayPal '' because the scammers had set their PayPal account company name to be " Billing Department of PayPal. '' *It seems outrageous that PayPal lets scammers use company names like that, which are so obviously designed to defraud people. * It made the phishing message seem even more legitimate. The message claimed to be alerting my relative to a possibly fraudulent pending charge. The charge would be posted in 24 hours. Since the message really came from XXXX and was sent by " Billing Department of PayPal, '' my relative believed it and called the toll free number provided in the email, and was scammed for almost {$70000.00} by two people over the course of two days. There was an initial scam and then a " fraud investigator '' contacted him to further scam him. It's sickening.

The scammers sent wires out of my elderly relative 's bank account, but since his PayPal account was unharmed PayPal hasn't been very helpful. They won't even let him file a complaint.

PayPal should not let scammers set up company names like " Billing Department of PayPal. '' That's entirely within PayPal 's control. They are letting scammers use their platform to defraud people and they don't seem to be doing much about it except tell people to report suspicious messages. That's not enough to protect the less scam-savvy members of society. 

Thank you in advance for any pressure you can put on PayPal to change this outrageous policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX   XXXX XXXX XXXX  DPT EDXXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  XXXX XXXX XXXX  DPT EDXXXX XXXX XXXX XXXX   XXXX XXXX. XXXX XXXX XXXXXXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  XXXX XXXX XXXX  DPT EDXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  in accordance with the Fair Credit Reporting act XXXX Account # 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 a 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 non-monetary relief
Consumer complaint received 2016-07-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
Experian offered me my credit score for {$1.00} and then went on to bill me {$22.00} per month and said it was buried in the terms and conditions that I was agreeing to be billed monthly. So the report for {$1.00} was a ruse to get my credit card info so they could bill me.

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 2022-10-13
Company: EQUIFAX, INC.
State: IL
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 am a Natural person and a consumer. Please do not close this complaint stating it is not me filing it. On XX/XX/2022 I mailed Equifax an FTC Identity Theft Report. Because I am a victim of Aggrevated Identity Theft. I pulled my credit report on XXXX XXXX and it was not reporting. I pulled my consumer credit report on XXXX XXXX Equifax is reporting the XXXX account. This account is listed in the Identity Theft Report I sent to Equifax on XXXX XXXX. First off Equifax is in violation of 18 USC 1028A for aggravated Identity Theft for furnishing this alleged account to my consumer reports that has not been validated. Please see the attached FTC Identity Theft Report and credit reports from XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Experian Information Solutions Inc.
State: MA
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 need Consumer Financial help with Experian, I am facing problems with Experian for several months regarding the account below. 

On XX/XX/2018, I disputed this account on my Experian report XXXX in my file with Experian in regarding XXXX XXXX Public Record - REF XXXX XXXX .... 
and Experian has verified with this note below : The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details - ( Experian report XXXX ) This answer from Experian is not possible and not true, because first, the United States XXXX XXXX not XXXX company! Were Experian verify this information? and if Experian got this information from a 3rd party, it is illegal. When I sent my dispute to Experian I provided Experian with the United States Court Clerk official letter explaining this information below : This court neither provides credit reporting agencies with information or 3rd party company ( letter from clerk attached ) I am upset that Experian and all these credit reporting agencies would try such a blatant stall tactic. It is clear that Experian never has the intention to investigate my consumer case and always using false tactics to damage consumer reports. Experian needs to delete this account from my Experian file immediately. 

Enclosed is a copy of my original letter and certified green receipt with the disputed items.

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 2016-08-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My husband has a address on his credit report that does not belong to us or anyone we know. I am an authorized user on many if not all of his credit cards and vise versa. I believe this fraudulent address to be on my credit reports as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX Bankruptcy Reference Number # XXXX In XXXX of XXXX, I filed for bankruptcy. Since then the bankruptcy has been XXXX and is reporting on my credit reports. 

I sent a letter to the USBK Court XXXX Illinois asking them to verify the information that was reporting to the credit bureaus, XXXX, Transunion and XXXX and the Clerk of the Court responded saying that they do not work with any credit bureaus.

I have previously disputed with Each bureau Transunion, XXXX, and Transunion an in response they reported the information as accurate, stating that the information was verified with each bureau. That has been found not to be true since the courts veriifed that they dont work with credit bureaus. 

I am requesting that this bankruptcy be removed from my credit reports since the courts stated that they do not work with any credit Bureaus.

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