BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-13
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
I took out XXXX small student loans from National Collegiate Trust/ American Education Services XXXX I have paid these student loans off. I have letters at my home from NCT that CONFIRM that I have paid these student loans off. I paid them off around 5 years ago. For a few years afterwords, I would receive collection calls from NCT and then from private collection agencies, trying to collect the student loan debt, that I paid off. I would fax the paperwork and I would n't hear from the collection company again. Until probably 3 months later, and it would be a different collection agency trying yet again to collect debt, so they said. Eventually after a few years of this, NCT sent me a letter in the mail saying they were taking ME TO COURT to sue me for the negative balance. I TOLD THEM I HAD LETTERS that said I paid it off. The court drug out for several months, where it kept getting pushed back, eventually at a hearing where I showed the judge that I IN FACT had letters from NCT saying I PAID OFF ALL DEBT OWED, they finally dropped the case against me. TO THIS DAY XXXX It is STILL on my credit report as NEGATIVE debt!!!!! I am trying to purchase a new vehicle, and it does adversely affect my percentage rate I can get on financing, because of the XXXX negative NCT accounts on my credit report. I want these XXXX negative reports to be changed to PAID. AS IT SHOULD BE!!!!!! Because I PAID THEM OFF. They most certainly are not NEGATIVE. And I am really TIRED of dealing with all of this. National Collegiate Trust has been nothing but trouble for me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Winklevoss Exchange LLC
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have been trying to close my account with Gemini Trust Company , LLC via my account login on Gemini.com for over 3 weeks now. I have followed all instructions on how to close account but it never gets closed. I have emailed them per their " contact us '' to find out why my account won't close but never get a response from them. I believe that their account closure procedure is just there to meet requirements that they must provide a way to close your account but in reality it is just a facade that does nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I already submittted complaint ( XXXX to CFPB and the company said they closed my account and ( I was paid in full ) I received letter form them indicating my account my still open and had a balance. I called them and they were not helpful

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Around XX/XX/XXXX I was alerted of a new account open in my name when I saw my credit report so I contacted BB & T to make sure it wasnt granted because I experienced fraudulent accounts open in my name from this bank. The agent assured me no account was granted because I had a fraud alert preventing verification of my identity and the account could not be open. Moving on around XX/XX/XXXX I was contacted for credit line increase that I did not XXXX XXXX I contacted them again via Certified Mail to assure them to close the same account that was not supposed to be open. Now its XX/XX/XXXX it shows Closed on my credit profile with a balance of {$5000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
This is the third attempt to rectify an erroneous report to the credit bureaus by your company. As a result, I have filed a complaint at the CFPB. 
My file is found in your archives/history. 
XXXX AES/XXXX representatives ID # XXXX, have confirmed ( verbally ) that your records reflect a full refund/payoff, however, AES/XXXX continues to erroneously report this account as a Charge-Off to credit bureaus and damaging my credit score. 
AES has verified that : 1. The school issued a full refund within XXXX days and your system reflects account paid in full, 2. I never registered nor attended the educational institution, and 3. This loan was cancelled. 

Please remove this report immediately from all credit reporting agencies, or I will retain an attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17
Company: JPMORGAN CHASE & CO.
State: CA
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:
Facts : 1. I have never activated my card ending XXXX 2. I have not authorized any charges on XXXX XXXX on my card ending XXXX a. XXXX XXXX {$1000.00} & {$6000.00} bXXXX XXXX XXXX {$8000.00} cXXXX XXXX XXXX {$3000.00} & {$4000.00} 3. I informed you about the fraudulent charges as soon as I found out.

4. I did initiate the charges on the following charges on the card ending XXXX as a replacement for the card ending XXXX after filing the report 5. I've also made the payments to cover my charges : 6. The card ending XXXX was sent to my business office, which we shared with the owner of an LLC called XXXX. However, I've asked the owner multiple times, and he confirmed that he had never seen my card or made any charges. I doubt someone had my card and info there, but I'm not sure. 

Clarification : 1. Looking at the police report, number XXXX, I noticed the sentence At no time did Ye open a line of credit nor gave anyone permission to. Please be advised the narrative was prepared by the police officer after my visit, so I had no visibility on why he added that sentence. As you can see in all my documents and testimonies, Ive never denied the fact that I opened the Credit card. 
2. I have never received a card ending XXXX nor authorized anyone to activate or use this card. 
3. Card ending XXXX was sent to the office address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 4. I discovered the charge while I was using Online banking and called XXXX at Chase right away to dispute the charges and asked Chase to update the mailing/ billing address from my office to my home. 
5. Card ending XXXX was issued to XXXX XXXX and mailed to my home address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX 6. Card ending XXXX was activated by XXXX XXXX. And we recognize all the charges on that card. Thats why we are not disputing those charges. 
7. XXXX and I can confirm that we never made the charge of the {$22000.00}. 
8. XXXX and I have not been in the office since the pandemic since all of my work can be done remotely now. Therefore, theres no way we had obtained the card and committed charges. 
9. As I mentioned above and in the police report, I suspect my neighbor, XXXX XXXX, who resides in the same office made the fraudulent charges since he owns an LLC named XXXX. However, Ive asked him several times since the incident ; he said he never touched any of my letters or documents. Since now Chase has the police report, I would love to see if there are any actions Chase can take to investigate. It is very important for me to know if I can continue to trust and work with my neighbor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Saddleback Acceptance Corporation
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My checks are being garnished by a collection agency and they are not reporting payments to the credit bureaus which is negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: AES/PHEAA
State: NV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
XXXX XXXX sold my student loans to American Education Services. They have changed the interest, timing of payments and only have allowed for 12 days for payments. They only wanted to do electronic services, which I had NEVER signed up for with XXXX, nor do I want ever. Postage signed XXXX XXXX due XXXX XXXX. Location of the school is XXXX, Nevada. They have been problematic with telling the truth, told me before they sent me a " welcome package '' never received it, and then proceeded to state the " welcome package '' was emailed. Just being generally untruthful, unhelpful and giving me bad information which I did not sign up for with XXXX XXXX XXXX. They also never sent me anything involving payments, or payment information Via Email. They were just hoping I was going to miss my payments I guess.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got sued and paid the loan off. Now I want it off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There was an inquiry that hit my XXXX credit report of Citizens for XX/XX/22, I am a victim of Identity theft. We tried talking with Citizens but the are unable to find anything but it is on my credit report. I have a police case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
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 is missing that should be on the report

Complaint:
I did n't fall into any of the previous categories so I just clicked random to get to here so I could write in detail. 

Why am I penalized on my credit report for hard inquiries? This is just me utilizing my credit in an active way. I am a XXXX XXXX XXXX and own several XXXX and I like to shop for the best credit cards to maximize the most points I get. 

I am penalized every time I open a new credit card or close one that I do n't want anymore. I am penalized every time I buy a new XXXX, I am penalized with every property insurance policy, because these are hard inquiries. 

I use my money and credit wisely and have never been late or missed a payment ever on anything. This is a very unfair policy to penalize me for using MY OWN CREDIT. 

My credit score should be maxed out at XXXX. Please take steps to abolish this very unfair rule that the reporting agencies use to penalize us that use our credit wisely. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Transunion twice in XX/XX/XXXX. I spoke with XXXX at XXXX. She refused to investigate the disputes stating disputes can not be disputed. I stated that according to the FCRA, Section 611, I can request the dispute of inaccurate and unauthorized information of my credit report. She again stated she would not investigate my personal disputes. I contacted Transunion again to dispute the information and spoke with XXXX at XXXX. XXXX requested all inquires that I was disputing but still refused to investigate the disputes stating that the disputes could not be removed or investigated without proper documentation. As a consumer, I am allowed a proper investigation of the information that is contained in my credit report. Transunion also wrongfully reinserted inquiries in my credit report when they had a server was down and did not send any documentation of inquires being inserted. Transunion is in violation of FCRA Guidelines.

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 2016-04-02
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Went onto the biller 's website last Friday and paid loans off in full. Biller, AES has my bank information saved in their system as they withdrawal my payment monthly. I clicked to use my bank account that was saved. A week later I was notified by AES that the bank rejected request and I would have to start again. I contacted the bank and after hours of investigating it was determined that AES had created an error when entering the ACH. When I contacted AES they accepted no responsibility, gave no options for payment, told me my account is in limbo for awhile and that they could not accept payment and when the system gets resolved I would be charged additional interest. I am left with no resolution and no method to pay this off today once and for all. I believe this is an unscrupulous business practice. No assistance provided whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-26
Company: TRUIST FINANCIAL CORPORATION
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/20 received a notice of late payment from Suntrust Bank XXXX TN. Called Suntrust XX/XX/20 This loan has been on auto payment since inception over three years ago. They have withdrawn payment on the sixth of the month every month since inception. On XX/XX/20 they did not withdraw funds and proceeded to send a late notice with fees. Customer service agent said it was my banks fault and I needed to pay. No offer to waive fee or correct their error of not drawing the funds. Also no information was given on credit reporting status.Asked for manager callback after XXXX XXXX CT. They called XXXX I was back at my job at XXXX XXXX and left message that started process all over again. Finally spoke to customer agent for online and said they closed my online account as innactive. They closed my online banking and never notified.

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 2022-03-17
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid off the remaining debt in XXXX which was {$280.00}. All the major credit bureaus have the collection paid off and removed from my credit report except for Experian which is still showing the amount of {$100.00}. I didnt contact XXXX which is now XXXX XXXX, who is in charge of the debt because its showing {$0.00} on their website.

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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent a letter on XX/XX/XXXX to remove fraudulent account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint XXXX & I am including it again. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
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:
The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX XXXX XXXX XXXX. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have contacted Experian credit directly through their " Dispute '' portal to information them of the inaccuracies on my credit report. My credit report is showing an address of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, IL XXXX. These addresses are incorrect and should not be on my credit report. My correct address is XXXX XXXX XXXX, XXXX, IL XXXX, in which I have lived at this home since 2002. I have attached the report that shows the address errors as well as my drivers license.

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 2020-03-10
Company: DISCOVER BANK
State: TN
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:
On XX/XX/XXXX Discover closed my account, and on XX/XX/XXXX sent me a cancellation of debt ( 1099C ) in which has been filed with my Federal Taxes. According to my three major credit reporting agencies, Discover is continuing to show a past due balance, as well as marking my account as negative on a monthly basis. I have disputed the information being reported several time, and in all occasions, they state the information is correct. I wish to have my credit reports showing the balances and no longer show negative on a monthly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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 sent a letter on XX/XX/XXXX to remove fraudulent account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint XXXX & I am including it again. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}.

Company response to consumer: Closed with explanation