BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-26
Company: AES/PHEAA
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Ive requested that AES/NCT stop reporting information to my credit report for accounts that I am not liable for. I have never held an account with National Collegiate Trust If NCT holds paperwork from previous loans listed below, that information should be provided, showing a complete assignment of the debt from the original creditor. 

National Collegiate bought and securitized student loans. These securitized notes were then sold to debt investors. National Collegiate then hired XXXX to pursue debtors for collecting what they considered to be outstanding debts. 

Federal laws mandate collectors to possess the documents that prove debts they want to collect are indeed owned by the people they 're pursuing. Over 2,000 collections lawsuits that were filed on behalf of the trusts were in violation of the laws. 
In these lawsuits, the trusts do not have or can not find the documentation necessary to prove either that they own the loans or that the consumer owed the debt. 

Valid affidavits must be signed by a witness with personal knowledge of the consumers account records. But such affidavits dont exist for any of these lawsuits. XXXX employees completed and notarized sworn legal documents for lawsuits brought on behalf of the trusts. 

National Collegiate also filed at least 486 collections lawsuits after the statute of limitations had expired, including one against myself in Florida and due to the judges lack of knowledge regarding the private loan process, I decided to settle with the company for {$19000.00} to end all communication and put this behind me. Although, NCT does not legally possess any debt owed by me. 

If there is a class-action lawsuit to help those negatively impacted by National Collegiate and its debt collector, XXXX XXXX, who sued thousands of students by relying on false or misleading legal documents and could n't prove that those being sued were the actual owners of the loans in dispute I would like to be included, compensated for damages, and have the following AES/NCT accounts removed from my credit report : AES/XXXX Bank account number XXXX. 
AES/NCT - account number XXXX. 
AES/NCT - account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: GA
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 U.S. Department of Education Account XXXX, U.S. Department of Education Account XXXX, XXXX XXXX Account XXXX, XXXX XXXXXXXX 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 explanation
Consumer complaint received 2017-01-23
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account with Citibank and was offered a XXXX Thank You Point bonus if I met certain requirements as outlined in the offer. I have spoken with XXXX different representatives from Citibank about my missing points and nobody seems to want to help me. I am constantly being ping ponged back and forth between customer service and Thank You customer service. I have spoken to representatives XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The most recent interaction started with a representative talking down to me due to the balance in the account saying how I " am not in the right account '' and unwilling to warm transfer me to the other department. I feel as though Citibank does not want to give me these points, even though I have in writing from them XX/XX/XXXX that I have met all the requirements needed. On at least 3 different occasions I have been told the points would be awarded in the " next statement cycle ''.

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 2017-04-26
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
Hard inquires that I did not authorize and that ca n't be verified specifically. Student loan that is showing up has duplicates and reporting negative ( XXXX ). Incorrect address ( XXXX XXXX XXXX XXXX ). Two revolving account XXXX XXXX XXXX and XXXX credit card. Also, a incorrect name XXXX XXXX. I 've been given the run around about these issues and never a direct answer or verification of the list of items mentioned.

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 2016-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Transunion is currently reporting a Tax lien. The information that is being reported despite the creditors request to have it removed. s not correct. under the Fair Credit report Act, this item must be deleted. This reporting is a clear violation of the Fair Credit Reporting Act. Please delete account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: MN
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 disputing a fraudulent account that appears on my experian report. this account was not opened by me. it has caused my credit score to drop drastically and is hurting my financial life. On XX/XX/2021 I told experian to dispute the account as unauthorized / not opened by me. I have filed police reports and identity theft reports to support my claim yet they are saying i am responsible. Experian is saying the information is being verified by the data furnisher however i sent in a letter to experian demanding a request for verification for the disputed account because I DID NOT OPEN THE ACCOUNT SO THERE IS NO WAY IT SHOULD BE COMING Back verified. 

I have not since received any form of response after requesting my proof of verification and it has been over XXXX days which means they are in violation of the XXXX. This account needs to be removed immediately.

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 2022-02-28
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 XXXX XXXX, XXXX. Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : 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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Name : XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Public Records : XXXX XXXXXXXX Bankruptcy XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-02-02
Company: Netspend Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
On XX/XX/23, I made a purchase for {$180.00} from PayPal XXXX which posted on XX/XX/23. I returned the item on XX/XX/23 and issued a refund of {$180.00} on XX/XX/23 by PayPal XXXX. Instead of giving a refund this wonderful company charged my card again. Now I am out a total of {$360.00} which this company has fraudulently taken from me. I called immediately and spoke with overseas agent you first could not understand who said that nothing they could do. I am now escalating to governmental agency to get my money back as this is FRAUD

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 2015-11-22
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
On XXXX/XXXX/15 I initiated a money transfer via Western Union at XXXX store # XXXX to my bank which is out of state. I needed the cash there for payment of bills, and usual household expenses. 

On XXXX/XXXX/15 I received a text message from Western Union stating the deposit was delivered to my bank. 

On XXXX/XXXX/15 I called my bank, XXXX Bank, who stated they did not have any record of a deposit in the amount I sent. 

XXXX/XXXX/15 I called Western union. In a recorded phone conversation, I was told that the money was rejected by my bank, as they do not accept western union transfers and I could return to the agent immediately to pick up my cash. 

Arrived at the agent location and western union denied my refund stating it was delivered to XXXX Bank. 

I called XXXX Bank again. The money is still not showing in my account. 

At this point, I have lost {$1000.00}. I have receipt to prove the money was given to the teller, and neither XXXX or Western Union will account for the location of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 FOLLOWING ACCOUNTS LISTED BELOW ARE INACCURATE AND MUST BE DELETED FROM MY CREDIT REPORT. 

XXXX  XXXX The monthly payment on this account is inaccurate. XXXX is reporting - as the monthly payment and XXXX is reporting - and TransUnion is reporting {$0.00}. The last date of activity is also inaccurate. XXXX is reporting XX/XX/XXXX as the last date of activity and XXXX is reporting XX/XX/XXXX and TransUnion is reporting XX/XX/XXXX. The No. of Months ( terms ) on this account is also inaccurate. XXXX is reporting 60 Months and XXXX is reporting Monthly ( due every month ) and TransUnion is reporting Monthly PLEASE DELETE AND REMOVE IT FROM MY REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-28
Company: WESTERN UNION COMPANY, THE
State: MD
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
This is about Western Union money transfer to another country. I sent a money transfer in XXXX XXXX, 2015 to a relative who is not very mobile and is easily tired. My relative went to the Western Union agent in that country and was told that there was an error. I called up Western Union and was told to cancel the transaction and that the money will be refunded to my bank account and to make another WU transfer. I cancelled the first transaction and made another transfer. For this XXXX transaction dated XXXX XXXX, 2015, my relative was told that there was an error but the agent can not tell what the error was. I verified with the Western Union here in the USA and was told that the money was ready for pickup and there was no error. I was told that my sister can go to the agent again XXXX! ) and to call the customer service in that country if my relative is not able to get the money. The service I used was the transfer in minutes using my debit card. Knowing the condition of my relative, I thought it is best not to use Western Union anymore. So, I cancel this XXXX transaction just now and ask for a refund. I am writing so that consumers know about this experience and that Western Union improves the services of their agents in other countries. Meanwhile, my relative and I faced inconvenience, wasted our time and agitated us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act convergent XXXX  on XXXX, XXXX XXXX XXXX  on XXXX, XXXX on XXXX and XXXX, XXXXXXXX XXXX XXXX on XXXX, XXXX on XXXX and XXXX on 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 2016-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card
Issue: Other

Complaint:
Made a payment of XXXX on XXXX to Bank of America, then immediately deleted it and processed a payment for XXXX. The system took the deletion and only showed XXXX payment for XXXX. I checked my account and both payments went through, I called spoke to agent XXXX oper ID XXXX and manager XXXX XXXX ID XXXX on XXXX, explained what had happened. They refused to refund me my XXXX as they stated it would put me over my limit. I informed them why did n't they just decline the charge that was accidently put on by my son while on his honeymoon. He give them the Bk of America card but meant to use a different card. They approved the charge, but wont give me my money back for the payment of XXXX that was supposed to be deleted by their system.I told them I do not have the funds in my checking acct and need it for my husbands upcoming XXXX as he has XXXX. His XXXX is scheduled for XXXX and I can send documentation. I need my XXXX back and it was their system fault not mine that it did not delete the payment, but instead processed both the XXXX & XXXX. Like I said their system indicated that it was canceled. This happened to me last month when I made a on line payment of XXXX & received a confirmation # .I followed up on that payment & called when I saw that it did not post. The agent advised that they had system issues that day & I would need to resubmit my payment. I told her I had a confirmation # but she said that does n't help. So I made another payment for XXXX as I did not want my account to reflect that I did not make my payment. Lo & behold both payments were processed. I called again to no avail ... So that 's twice their payment system has messed up and hurt me financially.. Please help me get my money back, I 'm desperate and broke & will start getting return payments in my checking account. 
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 monetary relief
Consumer complaint received 2015-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
This past XXXX 2015 I opened a checking/savings account at Bank of America XXXX XXXX branch ... the representative who opened the acct told me I could just use my checking acct and I would be safeguarded w/overdraft protection as well. During the next few months I noticed the bank kept transferring some $ fr checking to savings seemingly at random which they called " keep the change '' which I was not told about nor did I want. In XXXX XXXX debited my acct right after I enrolled online w/my acct info when I did not have the funds, a few days later a cash advance company debited my acct for a loan after I spoke with them and asked not to as the funds were not in the acct yet ... the bank allowed these transactions causing my bank acct to overdraft {$300.00} + adding XXXX overdraft fees of {$35.00} each. I spoke with a rep to dispute the transactions and have them reversed including XXXX overdraft fee. I stated I would refuse to cover anything but XXXX overdraft fee as I was informed when it was opened I signed up for protection. They have kept the acct open now since then charging additional fees I get an email stating the acct is overdrawn at {$280.00}??? This is ridiculous ... this bank obviously has no ethical obligation or regard for its customers by ruining their credit history for their misinformation and total disregard. And I will not close this acct without them reversing all these bogus charges. I need assistance in this matter and how to proceed. I need to end this abuse on the part of this banking institution. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: HW Holding, Inc
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The only thing I could think of this being about is a used truck I had about 10 years ago and that case I let them have the truck back on the lemon law cause it never ran right and I was always spending money to fix it I can't even remember the name of the used lot I got it from and that used lot isn't even in business anymore. I think this is just a greedy collection agencies that founds people old depts and try to make money off them. If they can show me proof where I sign any contract with them then I will pay them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 would like to have the below listed inquiries removed from my credit report. These inquiries were not authorized by me! 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/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
Consumer complaint received 2016-02-18
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My loans, for studies at XXXX XXXX XXXX, entered the repayment period 3 months ago, however, I am unable to make the payments. I notified Navient through their Customer Advocacy division ( XXXX ) and they are well aware of my difficulties, having submitted to them a full financial worksheet detailing my inability to make payments on private loans. I gave them this information 7 months ago so that we could work out a payment plan that would prevent me from missing payments. 

Despite knowing of these issues well before my students loans entered their repayment period, I have not received a payment plan adjusted for my income and costs of living. In the last 3 months, I have sent multiple e-mails to Navient but have not received offers of alternate payment options. In the meantime, my credit is suffering since I am unable to make the requested payments ( of XXXX $ /month ). 

My complaint is simple : I am displeased with their failure to communicate within a reasonable time frame. For every XXXX I send to Navient over a 2 week period, I receive only 1 message in return, despite the urgency. That is, while I hope we can work together to agree on a repayment plan, my credit is suffering due to miss payments. 

I propose all future communications with Navient become restricted to the CFPB platform so that our discussion is monitored by a trusted third-party. From these discussions, I hope we can agree upon a fair payment plan.

Company response to consumer: Closed with explanation