BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-16
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I originally contacted FedLoan regarding a change ( DECREASE ) in my number of qualifying PSLF payments made and received a response in XX/XX/XXXX. This is the message I sent : " On my MONTHLY DIRECT DEBIT BILL dated XX/XX/XXXX it showed 2 loans disbursed XX/XX/XXXX with a TOTAL OF 56 and 55 qualifying PSLF payments made. 
Now, on my MONTHLY DIRECT DEBIT BILL dated XX/XX/XXXX it shows 3 loans disbursed XX/XX/XXXX and now my TOTAL qualifying payments have been reduced to 2, 2, and 3. " When I asked for clarification I was told that my loan accounts needed " extensive review '' to count all the qualifying payments. I waited until XX/XX/XXXX and followed up with another email correspondence and received a very similar message. It is now XX/XX/XXXX and I still do not have an accurate count of my qualifying PSLF payments made. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Company: CARD Corporation
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
My stimulus was sten off this card I didn't even receive it to set up pin or anything.. my identity was stolen my first and second stimulus was frauded I did not authorize anyone to use my card better yet activate and use all my funds. I'm asking the bank for my XXXX chargeback pleasse

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: GA
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:
purse was lost at at truck stop with all my personal info in shortly started getting inquires and accounts popping on my cr

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: SC
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:
I am attaching the loan verification letter from XXXX XXXX. These accounts were closed and consolidated into 2 loans, but my credit reports are still showing them open. I would like them removed completely 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 explanation
Consumer complaint received 2020-01-16
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2017-06-21
Company: EQUIFAX, INC.
State: TX
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 would like the following inquiries removed from my credit report. I do not have knowledge of allowing them to check my credit.
XXXX Creditor Name/date of inquiry XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX Equifax Creditor Name/Inquiry Date XXXX/XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Creditor/date of inquiry XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have been submitting multiple letters as CFPB complaint requesting that the Credit Bureaus reinvestigate the disputed items from my credit report as well as temporarily remove or update these items from my report during the investigation period. As of this date, the Credit Bureaus have failed to respond to my request. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/202XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 2016-03-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My name is XXXX XXXX. 

I took auto loan with TOYOTA FINANCIAL SERVICES for a new TOYOTA RAV 4 from XXXX Toyota, XXXX XXXX. and never missed a single payment and always paid little more. 
I was in an accident XX/XX/XXXX and the car was a total loss. I already made payment for XX/XX/XXXX payment. My auto insurance paid XXXX XX/XX/XXXX i.e. XXXX % of the total loan value and I did file for GAP insurance claim on time for the remaining amount of XXXX My GAP insurance paid off the remaining and amount and thus my complete loan was paid off date XXXX/XXXX/XXXX. 
Today dated XX/XX/XXXX, I checked my credit report and TOYOTA FINANCIAL SERVICES reported a late payment and it dropped my credit score by XXXX points. I am under immense stress. I in need URGENT and DESPERATE help resolving the issue. 

Please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: LEXISNEXIS
State: GA
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:
lost my wallet in a truck stop time after that account started appearing up on my credit report reach out to the cb letting them know that there wasn't mines but it didn't do any good

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
this company LVNV Funding bought a debt from XXXX on an account that i never opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted experian to dispute a fraudulent charge on my credit report, from XXXX XXXX. Experian only took a couple of days, got back to me already saying that the error stays. I don't even think they did anything. I can't get a hold of anyone to help me, and there is no option for me to re dispute the situation. I can't get anyone to help me. XXXX XXXX, along with many other owners/ landlords will try and get away with charging fraudulent charges against tenants when they move out. They have to have stiffer penalties when they do this. XXXX XXXX have no proof what so ever regarding these charges. The manager wrote on the back of a piece of paper " what was wrong '' when I did my final walk through moving out. My XXXX year old daughter was with me. When I asked for a copy of what she wrote, she said she couldn't give me one, because their office was " under construction '' and copy machine not working. I didn't agree or sign anything, proving that these charges were even mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX  ) XXXX ( Original Creditor : XXXX XXXX ) XXXX ( Original Creditor : 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 2017-06-21
Company: U.S. BANCORP
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had Identity Theft on XXXX XXXX whit US BANK in WA. someone start usying my bank acc. online. Frauds people get access to all my accounts like personal and business. I close accounts and opened new one. Banker sad it will be all good. But few days later find out some one use accoute again. I did it several times, and in same time I didnt use online bank, only branch. All this didnt help in my situation. Fraud people had my SSN, address, phone number and my date of birth, and all other info to verafite them self like my. I had tons of equires on credit report. Even up to ten aplication for credit in US BANK, and they ready knows about my situation. Finaly Im stop using US BANK and close all accounts, how I was thinking. I did claims whit banker in branch. It was many of claims, I didnt even count them. Get approvals on claims and some checks for it. I brought all check in same branch and whit banker deposited by accounts what they for. All this in XXXX XXXX. I know, I should have some left balance on some account, like my business credit card. We finded out Two balances left. Its my business credit card and PRIMIER LINE, that how they calling credit line attached to checking account. MIDDLE XXXX XXXX. In middle of XXXX XXXX I paid off balance on PRIMIER LINE About {$2700.00}. and keep paying for mu business credit card. Each mount i get statement for business card, but NON ONE for PRIMIER LINE. I think that was close and done. On XXXX XXXX trying to pay off my business in branch, finded out I HAVE a balance on my PRIMIER LINE  abour {$450000.00} and some late fee. From XXXX to XXXX nonone contact me and they had my info, because still own them on my business card. Banker of branch in XXXX, WA tryed help me. But nothing happened. Than manager get in charge. He called to his Boss about my claim and get refuse. Again all that situation come back to me. I did baches of calls to Customer service, just spend hours of my life for nothing. They just transfer and transfer you around and non of them can help, dont have access or power to look and talk about. Sins XXXX to XXXX XXXX XXXX i didnt get ANY letter about progress of investigation or review on my account or case. They spend a time on words. Now that account under collection. When I asked BANK to get me a proof of investigation and result on official paper, they dejected and refused. No explanation. Please help me to review all my accounts and find out where and how was formed balance on PRIMIER LINE. Need to review and investigate all accounts what was Frauded, because they was connected to each other on Online banking and been compromised. I hope you can help me to find the TRUTH. 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 2016-01-11
Company: IQOR US INC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
ALLIED INTERSTATE LLC continued to report an XXXX account that, does not belong to me, and also has repeatedly been removed from my credit report, yet, they continue to try and re-report the account. This is illegal the next step will be to bring a lawsuit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX 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 2016-06-29
Company: LOAN TO LEARN
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
In 2007 I took out a student loan with Loan to Learn to help with my attendance at XXXX University XXXX. The loan required me to obtain cosigners and my grandparents agreed to do so ... never did we expect the scenario to turn into the nightmare that it has been. My loan is currently in a delinquency status with Loan to Learn and was passed to a debt collection agency called XXXX XXXX XXXX. I have been trying to reach an affordable amount of money that I would be able to pay toward this debt and the debt collection agency has been dictating to me what amount of money they will accept which is XXXX per month which is unfeasible for me. I did more research as to how my account became this way and it was due to the fact that my account was placed into collections as of 2007 ( which is we signed for the loan ). This information was shared with me from XXXX as well as XXXX XXXX XXXX. My grandparents ( the cosigners ) have been harassed countless times and most recently have been hung up on when speaking to representatives from Loan to Learn. The original contract/agreement states that payment is to be remitted until graduation and that after graduation my cosigners are to be removed. I have made countless calls ( and have kept the logs ) in which we ( we being Loan to Learn and XXXX XXXX XXXX ) spoke specifically about how to attack this situation so that I Can afford the payments and get this delinquency status off of the loan. I am NOT trying to escape making payments ... I am trying to make an affordable payment and that it in turn release my grandparents of this agony and stress as well as reflect as an account that is being paid on time. This loan and its company has been nothing but a headache. Neither Loan to Learn nor XXXX XXXX XXXX are willing to work with you to make repaying a debt feasible. I have even spoken with the Credit Bureaus and received instructions from them and both Loan to Learn and XXXX XXXX XXXX ignore those request as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: LA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am a victim of a online scam. I used money gram to send the money and after finding out that it was a scam I contacted money gram to see about recovering the money, they wo n't give me info. And are n't trying to help recover the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: Atlantic Credit & Finance, Inc.
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
The company Atlantic Credit & Finance keeps calling me at work even tough I have told them to stop calling me at my job. 
Since I told them not to call me at work, they have called me close to ten times after. 
What are my rights? 
Thank you, XXXX XXXX XXXXXXXXXXXX

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 2020-09-28
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Good Afternoon, I'm not quite sure what's the hold-up but it's been more than 70 days counting that your credit reporting agencies failed to respond to my investigation or dispute. I understand that we're facing with global pandemic of COVID19, but come on! It's taking longer than expected and i haven't received anything about these student loan account, but it continues to report incorrect, incomplete, and it's completely unverifiable. How come all 3 major credit bureaus are reporting 3 different dates of opened ; 3 dates of last active, inconsistent payment history, and different account name and number. This is totally a violation of my rights and it's impossible that this can be different if it's coming from the same creditor or furnisher ... correct? Again, There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX  sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: LJ Ross Associates
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
LJ Ross and associates. Calling and hanging up on me multiple times per week. I do not have any debt that I am aware of. They won't stop calling. They keep calling and hanging up so I can't speak to anyone to ask them to stop calling. My credit rating is over 800 and I do not have any debt for them to collect. I don't know what their problem is as they won't let me know why they keep calling since nobody is ever there to speak to. I've had enough of these people and I know my rights. They are to stop calling me immediately or this will be harassment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX XXXX Balance {$XXXX} XXXX XXXX  XXXX Balance {$XXXX} XXXX XXXX Balance {$XXXX}

Company response to consumer: Closed with explanation