BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: EdFinancial Services
State: TX
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 filed a complaint ( XXXX on XX/XX/XXXX ) because my servicer never sent over my XX/XX/XXXX payments to department of treasury when I asked for a refund. They agreed that I would not be responsible for those payments and to credit my account {$4200.00} by XX/XX/XXXX ( they said they needed 30 days ). 
On Monday, XX/XX/XXXX and reached out them because they never credited me. The representative I spoke to, told me they actually needed XXXX business days to credit the amount. I said that is fine, but what would happen to the interest that would accrue in the mean time, she assured me I would not be responsible for the interest, since I didn't owe the money. I followed up today, XX/XX/XXXX just to make sure they were on track to zero out my balance by the XX/XX/XXXX - the XXXX business day. I was told that they would put in a request and it would be reviewed in XXXX business days. It takes several hours to get someone on the phone, and I get a different date or response everytime. I had a balance of {$4200.00} before the XX/XX/XXXX. They didn't credit my account for the balance, and now have started adding interest. I want my account balance to be 0, as promised. They continue to miss deadlines and I fear they will try to charge me interest on money I never received and that should have been credited before the interest started again on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Chime Financial Inc
State: NH
Product: Credit 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:
Had my Chime credit builder credit card used for fraudulent purchases. I asked support to suspend the account. They closed it instead. Dispute was found in my favor and the refunded the amount into the closed account as per XXXX from Disputes on XX/XX/2023. But the account was closed XXXX or XX/XX/2023. Tried contacting support. In member services I spoke with Supervisor XXXX, agent XXXX, XXXX, XXXX, and XXXX, and agent XXXX from disputes. None were able to help me obtain the refunded amount that was deposited into a closed account. How can you deposit money into an account that is closed?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been trying to get from USAA published information re : the exchange rate used for XXXX if I am to use the card when I travel outside the US. C/S reps at usaa at first told me that they do not have access to that information. I was then told I could XXXX it. But when I asked if was to just use XXXX rate, I was told something else. I was hone told the rate is determined at the time the transaction is settled by the bank. I then asked where I can find a reference rate o I know what I could potentially spend. XXXX will give me their rate I explained as do other banks, but I can not seem to get the info. from usaa so I do not know rate they use. I finally got a call from XXXX in the executives office ( XXXX ) who told me that USAA does not have that info and that I had to get it from visa as its a USAA Visa card. She gave me a number for visa, XXXX. XXXX told me the I have to call USAA as its a usaa card and there are special wholesale retaes/agreements between the 2 banks and the rep did not know the rate. I then called back the ex. office at usaa and spoke w/ XXXX who said I could XXXX XXXXt or look on the fed website. When she directed me to the fed site I got an XXXX feed and did not know what to do with that and was told by usaa that they could not help. I tried for hours to get the info on the phone over multiple days. At XXXX point when I was told to XXXX the info I got a hit on a XXXX  website referencing USAA and when i asked usaa if I cold use the info from that site they said the have no control over that site and that was not a usaa site. no, I asked? they why do you tell me XXXX it not knowing what will come up??? What if I XXXX  and counted on the XXXX exchange rate info, only to find out at settlement time it was the wrong rate? Who do I call then, XXXX??? I dont know why usaa can not give consumers the info that pertains to the use of a card issued by them and why XXXX refers me back to USAA XXXX Attached are screenshots of my post on the usaa site.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: FIRST PORTFOLIO SERVICING INC
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had fraudulent internet charges on credit card account without even physically having the card for 6 months. I notified company and requested immdeiate dispute and closure of account. Company reversed charges but did not close account. New fraudulent charges ( XXXX $ ) were made on same account I requested closed. Upon receipt of invoice I again disputed fraudulent charges and to again close account. I received new invoice today for over {$200.00} on closed account. Company will not correct their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: AES/PHEAA
State: FL
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:
This is an additional complaint regarding Fed Loan. I have been employed with the XXXX  XXXX XXXX XXXX XXXX since XX/XX/XXXX. This is a qualifying Employer. Fed Loan indicated I am ineligible for periods of XXXX XXXX XXXX. I worked for the same qualifying Employer. 40 hours a week. Why were these skipped. The rest of XXXX and XXXX were considered Qualifying payments. However they skipped these. I had consecutive Employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
To whom it may concern, My name is XXXX XXXX and I am writing in regard to my credit report. I reviewed the report and I can tell that there's an error in it. I am paying on time as agreed. These reported late payments are inaccurate. This situation is affecting my credit status that leading to credit denials and higher interest rates. 

I need your help to correct this error and update my credit report as soon as possible, please. 

Thank you, 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 2021-08-03
Company: EQUIFAX, INC.
State: NC
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 each company about multiple inquiries and all said to call credit reporting company. some said they have no record of my information in system XX/XX/2021 I contacted equifax and they told me to file ftc report and they would remove unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: MS
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:
The Credit Bureaus XXXX XXXX, XXXX, and Experian ) stated that the following accounts and inquires was properly investigated. How can the problems be properly investigated without the bureaus know that ; the open dates are inaccurate, the date last active is inaccurate, and date last reported are inaccurate. This ground for removal immediately. They also violated multiple rights under 15 U.S.C. 1681 laws. In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX  XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX XXXX, Inquiry Date XX/XX/20 XXXX, Inquiry Date XX/XX/20 XXXX, Inquiry Date XX/XX/20 XXXX, Inquiry Date XX/XX/20 XXXX XXXX Inquiry Date XX/XX/2XXXX XXXX, Inquiry Date XX/XX/20, 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 an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the following items. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-07
Company: EQUIFAX, INC.
State: MS
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:
The Credit Bureaus XXXX XXXX, Equifax, and XXXX ) stated that the following accounts and inquires was properly investigated. How can the problems be properly investigated without the bureaus know that ; the open dates are inaccurate, the date last active is inaccurate, and date last reported are inaccurate. This ground for removal immediately. They also violated multiple rights under 15 U.S.C. 1681 laws. In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX  XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX XXXX, Inquiry Date XX/XX/20 XXXX, Inquiry Date XX/XX/20 XXXX, Inquiry Date XX/XX/20 XXXX, Inquiry Date XX/XX/20 XXXX XXXX XXXXnquiry Date XX/XX/2XXXX XXXX  Inquiry Date XX/XX/20, 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 an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the following items. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
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:
This complaint is continued from case XXXX. I noticed the screenshot didn't add showing the unvalidated account XXXX was removed from XXXX and different balance from Transunion and XXXX.The account is NOT verified how can they continue to do this? FCRA requires the unverified item to be removed. XXXX was unable to verify Transunion and XXXX unable to verify and reporting two different balances. The company is attempting to re-age the debt by changing balances.. I will update screenshot showing balance from my credit monitoring app. Below is a complaint from XXXX My recent CFPB case was XXXX. It was closed without Transunion abiding by the The Federal Fair Debt Collection Practices Act. I have sent several requests by regular mail and certified mail and submitted the CFPB complaint.There aren't any receipts for regular mail I will attach the receipts for mail sent certified.I will attach last letter sent to Transunion. Transunion has STILL failed to provide me information I requested they used to validate this alleged debt.Before I submitted the last CFPB request they responded in another language. They did not respond at all from the CFPB complaint by mail.I need legal proof not a response of verified. I have submitted disputes in the past I have never requested another language. I received responses in XXXX only. Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX. This account should be deleted they have NOT validated this account. Simply stating verified is NOT validation. How is it they are validating this account and XXXX could not? I attached the same documents to show Transunion previously sent me a response in a language I don't understand.This was a stall attempt.

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 2023-08-03
Company: Experian Information Solutions Inc.
State: NC
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 submitted multiple dispute letters on XX/XX/23 and XX/XX/23 to credit first and the credit bureaus regarding inaccurate late payments on my credit first account. The late payments are still on my credit. This account is also reporting inaccurate last payment dates on my credit report which are violations of 15 USC 1681eb that demands all accounts must be accurately reporting at all times. I have attached proof of my letters from XX/XX/23 that I sent out certified mail.

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 2023-09-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Rental debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Portfolio recovery has violated The Fair Debt Collection Practices Act ( FDCPA ) They have been calling my phone multiple times XXXX XXXX  on weekends and illegally obtained my phone number when it is changed and also illegally checks my credit without my consent for updates to my contact information, this has now sent to my lawyer for further review after I have explained that this collection was opened fraudulently they refuse to remove the collection and kept adding it to collections then try to remove it to damage my credit score in the best way possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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  Account # XXXX, account ID # 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 explanation
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently have been disputing unauthorized inquiries to get them removed.They are not being removed when there is in fact discrepancies and inaccurate information on the report. Biggest issue is the incorrect date of birth which Equifax is listing as XX/XX/XXXX. Correct date of birth is actually XX/XX/XXXX. Dispute to correct that DOB was made XX/XX/XXXX. Confirmation # of that update is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My ex husband for a Water filtration system that was posted on my credit as a mortgage. This was in XXXX. My husband and I divorced and I filed for bankruptcy and so did he. My BK has been discharged since XXXX, the account was included in the BK so was the house and these people have henderse me from being able to get a house and they refuse to drop this account. I have asked for a copy of the original contract and theyre still reporting me as late and that I owe. I want to press charges against this company, that have destroyed my credit illegally. The companies name is castle credit out of Florida. Its been 7 years, not only have they reached the statue of limitations, they have reported me late all these years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: WELLS FARGO & COMPANY
State: AZ
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 victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2023-09-07
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
have a consolidated loan it is now with Nelnet. Half of my loans were discharged quickly with XXXX. However, Nelnet still has not discharged the rest Through XXXX vs. XXXX. I had spoken with the person whos over my borrowers defense application. I was informed that nelnet would be notified to discharge the remaining balance of the loan. It's a year later and nelnet still hasn't discharged the remaining balance. I'm aware that discharges have been taking place yet i still have loans. I'm tired of playing this game between nelnet, borrowers defense and fed aid. I need the remaining portion discharged as promised. I'm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Don't post no response to an unclickable link. You knew exactly what you were doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Chime Financial Inc
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have not received any notification of this fraudulent charges. Large charges that I would not normally make in fact. The following charges are from XXXX done on XX/XX/2022 of : {$520.00}, {$960.00}, {$950.00} ( All from XXXX ) Other 3 charges were done on XX/XX/2022 of : {$360.00}, {$360.00}, {$40.00} Ive contact Chime banking support. They were not helpful at all. 

My number and email address keeps being changed when I did not authorize these changes. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: ALLY FINANCIAL INC.
State: AZ
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 victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hi, I am XXXX XXXX XXXX I checked my Transunion Report back in XX/XX/2023 and I had a collections from XXXX XXXX, a business I have never engaged with. I sent XXXX XXXX  a validation of the alleged debt request XX/XX/2023 and within XXXX week of receiving my green return receipt I seen that XXXX XXXX  was removed from my report. I have also sent XXXX XXXX an Affadavit of Facts and an Invoice for them to pay dated XX/XX/2023. Tracking numbers for all : XXXX, XXXX, and 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 explanation