BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-11
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have applied for the XXXX Loan Forgiveness program with Fedloan Servicing since I completed my 5th year of XXXX in a XXXX XXXX. I submitted an application on XXXX XXXX after submitting applications previously because I had to make constant corrections after being denied due to mistakes in the application because of failed communication by the company on how to fill out the application, which is very unclear. I received a letter today regarding the denial of my application which stated that Section 3 was not filled out properly. I have been trying to apply for this loan for quite some time this summer, and I keep getting different information as to what needs to be filled out and what does n't need to be filled out by each costumer service rep that I have spoken to. I went over the application with the last rep who told me how to fill out my portions of the application and how each school needed to fill out theirs. My districts have filled out their sections correctly, but yet my application got denied because they " did n't '' fill it out correctly. In addition, I got another e-mail stating my loans have been put in administrative forbearance. If it were n't for me checking the status online, the company never communicated this to me nor is being clear on how to fix it. I need this to get resolved immediately, and I need to be assigned one person who understands this process. I will not continue to talk to multiple reps who keep changing the rules of this application. I want one person from beginning to end who will make sure that this gets handled properly because this process has been absolutely ridiculous to deal with. I have my application and evidence that I have serviced in XXXX. The XXXX are also listed online. The individuals who filled each application out for me are the same people who have continually filled out this application for other people and never seem to have a problem with it. My XXXX and I do not understand why the application is continuing to get denied when I 'm qualified for the forgiveness loan and everything is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received at least 2 calls per day including Sunday ato different times as late as XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
In regards to this account, there have been various issues. A letter was received, from OCC, earlier this year, stating company had obvious errors among credit reports. Attempts were made with credit bureaus, in regards to the reporting, yet no changes were made. Disputes with credit bureaus came back as verified. In turn, company mailed letter, dated   XXXX   XXXX   XXXX   more than 60 days, since last complaint about this company. In the body of the letter, there are instructions to contact each credit bureau individually. his method was previously attempted. Each credit bureau is reporting different dates of delinquency, The company states in the letter dated  XXXX   XXXX ,  XXXX , the account first became delinquent on   XXXX   XXXX   XXXX   although  XXXX  credit file has the first delinquent date as   XXXX   XXXX   Another credit file has the date of first delinquency as   XXXX   XXXX   XXXX  . I have attached copies of the credit bureau files for reference.

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 2015-07-16
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have requested to receive a credit report from Experian and was unable to do so online. I have gone into my bank where I have an active credit card and when they pull up my credit report through Experian, it says I am a minor when I am XXXX years old. I have tried to dispute this information from the credit score that I eventually received through the mail from Experian, but when I enter in the report number, it brings up nothing or says it is invalid. This is the report number that they issued me with my credit score. They also only provided me with my actual score, not a credit report/history. I am unable to dispute the wrong information that is saying I am a minor, which is also holding me back from being able to raise my current credit card limit, or obtain any new lines of credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07
Company: Square Inc
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Around XX/XX/2020, I made an online purchase in the amount of {$98.00} using Cash app by Squareup. The payment processed and I was sent an acknowledgment that the transaction was complete. Due to a staffing shortage with the distributor ( COVID-19 taking off ), I knew that the product would be arriving late. I put it out of my mind. Around the time that the product was scheduled to arrive, I received a notification that a transaction in the amount of XXXX from the same distributor had been declined for insufficient funds. I attempted to resolve the issue with XXXX ( vendor in question ) but they have been running a skeleton crew for obvious reasons. I did finally get word that I should contact my financial institution to determine why the payment had not been forwarded. Cash app, however, has terminated my account and will not tell me why. They are also unwilling to discuss the missing XXXX that was deducted from my account but did not reach its destination. The icing on the cake is that since my account was terminated I lost access to my app and all of the transaction notifications as well. I have included copies of what little documentation I could find in support of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: RentDebt Automated Collections, LLC
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: Investigation took more than 30 days

Complaint:
I have a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Approximately on or about XX/XX/2016 I filed a dispute with Experian who failed to due a proper investigations because they limit the amount you can write in order to prompt and investigation. These are the following issues I have : Personal Information I have filed a dispute regarding the name XXXX XXXX XXXX. I have never gone by this name nor have I ever submitted a credit application for this name. I am requesting that this inaccurate name be removed from my credit report but Experian reported that it was accurate and that a credit agency reported this name. 
Credit Accounts XXXX recently in error reported me 30 days past due. I spoke with XXXX on XX/XX/2016 in regard to the error on my report. When I asked then to change the error I was informed by the collection rep that they can not change credit report errors and that only the credit bureaus had the authority to do that. I was instructed to file a dispute which would prompt XXXX to change my report. I filed a dispute as instructed but Experian just called to verify information instead investigating the phone conversation with the rep.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: TD BANK US HOLDING COMPANY
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I run a small business as a windshield installer and I recently got a new client XXXX XXXX XXXX and everything went well he gave me a check XXXX and I deposit it into my account with chase bank on XX/XX/XXXX the fund were into my accounts. On XX/XX/XXXX I woke up with a negative account and the money was withdrawn from the check. I contacted the company he got aggressive and told me to call the cops that they will not help me. On XX/XX/XXXX I made a police report. On XX/XX/XXXX I went into chase to speak with a representative to see what they could do they said they wouldnt be able to help me. Still waiting to hear back from the Police. They insisted to try to resolve the issue peacefully but I invested about {$350.00} for the windshield itself and plus materials and my work. He couldve called and said he didnt like the work we couldve fixed it but he chose not to and just bounce the check without consulting first or making a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I encountered someone who needed help because he was traveling without his wallet. His relatives wanted to send him cash but he had no ID. He had his uncle and another friend send me Paypal payments and I turned them into cash for him. Once I confirmed that the payments were in my Paypal, I gave him the money. I checked the emails carefully to make sure they were real and verified the balance in my Paypal account. A week later, Paypal started sending me messages that the charges were being disputed. I logged in and reported that I had given the cash to the individual and what had happened. I would not have given the cash if I could not rely on Paypal 's emails " You've Got Money '' and triple checked that I had the cash with no associated fraudulent transaction. Once I investigated later, I see that this is a common scam that Paypal is susceptible to. However, I do not have the fraud prevention department and other controls that Paypal does. It was unavoidable on my part and for Paypal to go after me instead of investigating the fraud and going after the sender or the fraudster is unfair to me. If Paypal does not have sufficient controls to detect unauthorized use of a Paypal account, that's not my fault. I relied on their email " You've Got Money ''.

I relayed all this in my timely response to Paypal 's request for more information. I also relayed this to the  collection agent at Paypal ( XXXX XXXX ) but she just wanted me to pay the bill. No one seems to be interested in the perpetrator ( I have his name and phone number ) of the fraud or the sending Paypal accountholder 's role in this. What is to stop XXXX XXXX and XXXX XXXX from simply claiming they didn't mean to send me the money? They may not be victims but conspirators. I have no idea but it's not on me to investigate when Paypal said " You've Got Money. '' I have attached one of the " You've Got Money '' emails, the collection email and a list of the disputed transactions from XXXX XXXX and XXXX XXXX. I also want to state that despite what XXXX from Collections states, just because the credit card charged back Paypal ( I have no evidence of this ) does not mean that Paypal can charge me back. I did not accept credit cards. I accepted Paypal and relied on their good word. I am not part of the fraud and I should not be the victim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-11
Company: Experian Information Solutions 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:
INACCURATE INFORMATION 3 SOCIAL ON THE BUREAU NOT MINE CRA AND HIPPA VIOLATION COSTING ME HIGHER RATES THEY MUST REMOVE THE THOUSANDS OF DOLLARS THEY COST ME EXPERIAN TOTALLY MESSED UP MY CREDIT

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 2022-05-05
Company: Experian Information Solutions Inc.
State: TN
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 the Department XXXX Education/XXXX Account XXXX XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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 2020-04-07
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX  HAVE FRAUDULENT INQUIRIES FOR FOLLOWING DATES XX/XX/XXXX - XX/XX/XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2016-03-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This is written in reference to Experian Credit Reporting Agency. I feel my federal rights have been violated in regards to Credit Reporting. I intend to file charges against this company. The lawsuit will be filed due to the utter lack of response from the company. When someone is a victim of wrong information being put on their file, it is simply a nightmare trying to get inaccurate/ misleading information removed from a credit file. I have contacted all of the creditors in question listed on my credit file. I have challenged all of the creditors in question listed on my credit file. Nothing ever happens to fix the situation. Over 90 days ago I wrote each creditor in question and demanded proof that the accounts listed on my credit file contains the accurate information, such as date open, original credit limit. Documents with my signature constituting obligations that is have entered into business with them etc. I asked for proof of the alleged debt from each creditor. So fsr none of them has been sble to provide such proof to me. I have sent follow up letters to each of them and there is still no proof. I have attempted XXXX contact, but I simply get transferred around and nothing ever gets accomplished. I have fully investigated my rrights in this matter. Under the doctrine of estoppel by silence, XXXX v. XXXX ( MO ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt can be validated. Which leads me to wonder, hope is Experian stating accounts are " verified '' on my credit report. The letters I receive from Experian states accounts " verified '' but this is not true under law. Simply contacting the alleged creditors and asking them to match up numbers in their database is not a sufficient verification. Now I am prepared to sue Experian for being such as pain in the posterior to me. I provided more than enough proof to havr accounts in question removed.

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 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 telling them that its information on my credit report that didnt belong to me start with my DOB its still not changed. The inquiries are still on my credit report, accounts thats paid are on my credit report. I have accounts I didnt open thats in collections on 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 2020-04-07
Company: DISCOVER BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened my account with Discover Bank about a month ago. On XX/XX/XXXX, I deposited a Check I got for about {$7000.00}. On XX/XX/XXXX, those funds were reflected in my available balance. I Made a purchase at XXXX for {$80.00} and another one with XXXX XXXX XXXX for {$25.00}. In the evening of XXXX, I got an email from Discover Bank that there might have been a fraud at my bank so I should call them. Once I called them, they asked me to provide my identification, which I did. I uploaded my passport and Social Security Card to their secure upload, since I wasn't able to log in my online banking. 

Once they verified the information with me, they said the account had been closed. I said I hadn't closed the bank and I had made those two purchases. They refused to help me out and give me an answer. They said it was a business decision and didn't give me any information even after being on the phone with them for 2+ hours on the evening of XX/XX/XXXX. 

Now they said they will send me a check in 60 days, but I have no Money to buy groceries or essentials in this time of a Global Pandemic. I will go back to my country of origin- XXXX but they said they won't send the check there and just straight up refused to help me out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX/XX/XXXX REMOVE ID XXXX XXXX XXXX XXXX NOT MY ADDRESS!!! 
REMOVE XXXX XXXX NOT MY JOB. REMOVE BUSINESS ADDRESS XXXX XXXX CT NOTMY BUSINESS ADRESS DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID

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 2016-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i have been a victim of identity theft for a few years and i summited a dispute and police reports to all XXXX credit bureaus and they have not removed the the incorect info from my credit file. this is a big hassle trying to get my file corrected for almost 2 years now. the detective on the case has info of a suspect that used my info at a XXXX company and this has been an ongoing investigation

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 2016-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The accounts that are in question are ( XXXX XXXX XXXX ) XXXX XXXX ( XXXX ), these accouts were closed and were charged off as XXXX/XXXX/2009 and the staute of reporting these negitive accounts has expired but they remain on my report. 
I have asked that these accounts be removed.

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