BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-28
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Today, XXXX XXXX, 2017 I visited the Discover Card site to redeem the Cashback Awards. 
The site clearly states " These rewards are yours to use ANY time you want, whatever amount you want. Apply your Cashback Bonus to your bill OR deposit to your bank account. ". I had over {$450.00} and beside that amount ere the words- " REEDEEM ALL ''. 
You had to enter the amount and had two choices- one was to apply as a credit to your bill or two was to deposit to your bank account. I chose all and to deposit. Then a note popped up stating that I needed an account " linked '' to the card and to call XXXX ... 
I did. I was then told that I could NOT " redeem all '' - the limit was {$300.00} and that they did not know why I was not allowed to select the bank account they had on file. Now mind you, I HAD done this before a few years ago. Also- I do have 4 bank accounts linked to this credit card from which I have in the past paid through their site- infrequently. I asked to speak to a supervisor who could not explain away the discrepancy between WHAT their site CLEARLY stated and WHAT I actually could do. She gave me some spin about " security '' ... When I asked specifically about any issues with MY account- she told me she could NOT say anything due to security reasons ( I assumed she was talking about DISCOVER security ). 

I understand that I have a " contract '' with Discover to use their card. I pay my bill every month completely. I am not late as the amount owed is not due until XX/XX/XXXX. I have used all 4 of the bank accounts to pay portions of this card at various times- both through their specific site AND through my bank billpay sites. 

I believe that it is fraudulent for Discover to clearly state what I stated above, BUT NOT allow it to be done and then can give NO reason WHY it can not be accomplished.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: AES/PHEAA
State: MN
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:
In spring of this year ( XX/XX/XXXX) I sent in my income documents after I got a raise at work so they could re-calculate my Income Driven Repayment plan. The repayment plan I was on before sending in my info was due to end on XX/XX/XXXX. As of today, XX/XX/XXXX, they are still not done recalculating my new monthly payment amount. 

I have called multiple times a month, month after month since sending in my documents, and they always tell me it will be ready in 7-10 days. However, this has been untrue each time. In XXXX they put me into forbearance so I would n't have to pay XXXX XXXX dollars that I would owe without a repayment plan. I am working on the Public Student Loan forgiveness  program, so each month they push back recalculating my loan, it is costing me money that would have been forgiven at the end of that program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Re : Acct XXXX XXXX {$3900.00} To Whom It May Concern : This letter is being sent to you in response to your recent letter. This is not a refusal to pay, but a notice that your claim is disputed.

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt.

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective 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 2021-04-15
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I tried to login to Experian and gave my social security # and numeric digit of my address. The username I thought I had used did not work, so I requested an email of my username and what I was emailed to my email was : XXXX I did not recognize the email address being used as my username and it is not my email. It appears that someone set up account information using my social security # and name, and so I can not get into change since I do not know the security question and PIN that was set up using my information. I tried calling Experian but was not led anywhere where I could resolve this problem using there phone system- only forwarded to other irrelevant recordings.

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 2017-09-09
Company: EQUIFAX, INC.
State: MO
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 XXXX of XXXX, Equifax allowed my personal information ( name, social security number, address, etc. ) to be stolen. I 'm now at risk for identity theft. I 've not yet been contacted by Equifax. I 've asked for a temporary fraud alert through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by the law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C Sec.1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you pease check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

I DEMAND THE FOLLOWING ACCOUNTS TO BE VERIFIED OR REMOVED IMMEDIATELY. 

Name of account Account number CHILD SUPPORT ENFORCMENT XXXX Name of account Account number XXXXXXXX XXXX XXXXXXXX Verification Cancel contracts. Please provide the original contract or delete. 

I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 



In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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 2017-09-09
Company: EQUIFAX, INC.
State: KS
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:
Equifax stored my personal information for their own benefit. In doing so, they did not provide adequate protection for that data. My information has likely been stolen according to their website lookup tool.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was extended {$1000.00} credit from XXXX XXXX/Care Credit formerly XXXX XXXX for dental work. If the debt was paid within a year, no interest would be applied. First {$84.00} payment was due in XX/XX/XXXX. I made 7 consecutive payments of {$84.00} before I noticed that my account was not being credited. On my mobile device I could see the {$84.00} payments were in pending mode and on my PC there was no activity showing at all. I called Synchrony and complained. I was told that it would be investigated and rectified shortly thereafter. My first seven payments totaled {$580.00} with {$410.00} outstanding. I was promised at least a dozens times that it would be fixed. I paid a total of {$1200.00} that was never credited, even though my XXXX bank account was verify-ably debited. Synchrony never helped me and eventually charged off the account. They sold it to a collection agency called XXXX XXXX XXXX. I was able to speak with XXXX at XXXX XXXX XXXX, who said they would investigate my complaint. On my credit report there is a payment grid with 27 OK payments with no amounts in the OK area. This is a totally messed up situation. My credit has been ruined by XXXX XXXX/Care Credit and XXXX XXXX XXXX for a debt I paid. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX amount {$5900.00} showing that this account is open and past due. This is not correct. 

XXXX XXXX XXXX XXXX  ) {$1300.00} showing a past due balance. This is not even my account. 

XXXX XXXX {$1000.00} showing a past due balance. This doesnt belong to me. 

XXXX  {$120.00} showing a past due balance. I never had an account with this company. 

I have submitted several letters requesting the inaccurate information removed from my credit report. I have asked for proof that these items belong to me and they have failed to provide me with documentation. 

Please see the credit report attached with the items circled.

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 2017-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received recently my credit report and I am still seeing accounts in my report which should be deleted. Those accounts were authorized users accounts and I am no longer an authorized user of any of them. The following accounts should be deleted immediately : 1st account : Creditor Name : XXXX XXXX Account Number : XXXX 2nd Account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX 3rd Account : Creditor Name : XXXX XXXX Account Number : XXXX 4th Account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX 5th Account : Creditor Name : XXXX XXXX Account Number : 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 2022-03-05
Company: EQUIFAX, INC.
State: NJ
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 called, emailed and sent letters out to the credit bureau disputing these fraudulent activities and nothing has been removed. I asked them to remove because it's fraudulent activity that was never authorized by me. Nothing has been done. 

Equifax is reporting XX/XX/XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX. Never authorized by me. 

XXXX is reporting XXXX XX/XX/XXXX XXXX/XXXX/XXXX and XX/XX/XXXX NEVER authorized by me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Contributor : BANK OF AMERICA when I was in hight school I had my identity stolen. It was used to do all type of fraudulent activities. I reported it awhile ago with my local police department but I can not open bank account because of this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
My personal credit card ( ending XXXX ) with XXXX XXXX has a regular balance of {$40.00} ( see attached document from XXXX 's myaccount access.com ). 

XXXX XXXX " criminally, willfully & fraudulently '' reported my balance of my personal credit card ( ending XXXX ) {$710.00}, to all credit reporting agencies in particular Experian and XXXX. Thus, my FICO score " dropped '' by at least 20 points. This is NOT a isolated incident by XXXX XXXX- there are many willful and criminally motivated FCRA violations. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ----

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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of XXXX, I noticed 3 fraudulent charges on my account : for merchant XXXX on XX/XX/XXXX, in the amounts of XXXX and XXXX, and for merchant XXXX XXXX, on XX/XX/XXXX, for XXXX. I called many times trying to flag these fraudulent charges. When I first started calling it was impossible to get through at all -- there was a message just saying something like, " we are very busy during this transition from XXXX to XXXXXXXX XXXX, and just can't talk to you right now. '' Then I made many more calls. After getting disconnected many times, and getting transferred all over the world, I got charge from XXXX XXXX taken off, but not the others. But please note that they never gave me any provisional credit while there investigations were underway. Over the rest of the summer I made numerous calls, got disconnected and transferred countless times, was told the complaint had been investigated numerous times, and was never issued a provisional credit. At no time did they ever send me an email acknowledging any of this, not even when I filled out the fraud form on their websited ( screencap attached ). Finally, around XX/XX/XXXX, they removed the remaining fraudulent charges. Then, after I called again, got disconnected, transferred, etc., they removed the late charges they had spuriously charged to my account. But AT THE SAME TIME, they reported my account as delinquent to one or more credit bureaus. I just called and spent hours trying to get them to do something about this. The answer was, you guessed it, no dice, we are doing nothing. 

This is the worst credit card I have ever used, in 27 years of using credit cards. It's both XXXX and XXXX XXXX that are at fault, though XXXX XXXX had the temerity to tell me that it was all XXXX XXXX fault. The only other time I had similar trouble in getting fraud prosecuted was when I was living in XXXX XXXX around XXXX, using the debit card for a XXXXXXXX XXXX. So the fraud protection this card offers seems to be comparable to the standards of the developing world around the turn of the century.

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 2017-08-24
Company: Netspend Corporation
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XXXX I received a completely unsolicited XXXX XXXX debit card from XXXX. The Issuing company is XXXX Bank and XXXX. XXXX XXXX is affiliated with XXXX XXXX and their frequent flyer program. I have never applied for a XXXX XXXX credit card or any other card associated with XXXX XXXX. There is an {$85.00} annual fee associated with this card if you choose to activate it.

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 2022-08-31
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Re XXXX Acct XXXX XXXX {$120.00} To Whom It May Concern : This letter is being sent to you in response to your recent letter. This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective 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 non-monetary relief