BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an 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 2021-06-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There are two accounts on my credit report I have not opened these or used these accounts they are not mine this si identity theft!!!!! 

XXXX XXXX XXXX - Acct # XXXX Amt {$10000.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$9100.00} OpenedXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: KINGS CREDIT SERVICES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have requested proof of debt from collector for about 6 months. My last request was made XX/XX/XXXX. The hospital injured me and then tried to charge me to correct the problem, which they failed to do. They provided me no medical care on the dates in question XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX The hospital in question is : XXXX XXXX hospital and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I Pulled my credit reports from all XXXX major agencies back in XX/XX/2016 from XXXX, XXXX XXXX, and Experian. After reviewing all my credit reports I noticed that there was some errors and things that were on them that I had no clue where they came from or how they got onto my reports. Once I found all the issues I called all reporting agencies and obtaining there process for disputes. After following these processes XXXX and XXXX found that they were errors and mistakes and deleted those items, But Experian did not! I have sent numerous certified letters to this company over the past six months to have the items removed and even sent copies of what the creditors stated to me in writing. After calling and pleading with them about these items I placed a fraud alert on my file and asked Experian to investigate the Bankruptcies, and Inquiries several times only to be told that they were verified, and they would not keep verifying that information. I told them that they were breaking the law per the FCRA they were obligated to verify the information with the creditors and the Bankruptcy courts. I waited 90 days only to be told that they would not verify and did not. As a consumer per FCRA Section 623 ( a ) ( 3 ) they are to varify the information completely and state how it was done. They never done this at all so I sent a letter to the Bankruptcy courts and the Clerk of courts stated that they do not give information to Credit reporting agencies. So once again Experian lied to me as a consumer and I have all documentation I spoke to ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and several other agents for experian. ) Some of the letters they refused to reply asking for additional proof after I mailed them XXXX plus pages along with my identification. 

I would like for these items to be corrected and deleted from my credit file as they were on my XXXX, And XXXX Reports. The accounts are listed below : 1. US BANKRUPTCY COURT GA XXXX # 'S XXXX # 'S XXXX # 'S XXXX # 'S XXXX INQUIRIES FRAUDULENT NOT MINE ; - XXXX XXXX XXXX/XXXX/2016 - XXXX XXXX/XXXX/2016 - XXXX XXXX/XXXX/2016 - XXXX MULTIPLE I have contacted this company several times only to be told they can not re-investigate, which is against the law.

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 2021-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Entered into a rental lease which proved to be fraud. Wired money to XXXX XXXX XXXX Capital One Bank ABA XXXX Account XXXX Tried to tell the bank this was fraud and possible money laundering, but they did nothing,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: SLM CORPORATION
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My grand daughter and her father asked me to sign for her student loan a private loan with Sallie Mae and another with XXXX student loans and her father was going to repay the loans when he retired but instead he died XX/XX/XXXX. I am now responsible for the mortgage which he used to pay ( in my name also ) and I suffer from XXXX XXXX and I am XXXX years old. I contacted both XXXX and Sallie Mae since as of now the loan is 30 days past due and neither will waive me because they claim only the " borrower '' can be waived due to XXXX., Sallie mae said I should pay {$150.00} by XX/XX/XXXX to defer the loan until XX/XX/XXXX as a hardship but XXXX has to call for this arrangement to be for more than XX/XX/XXXX. If she does not call it goes back up to {$970.00} per month for a {$72000.00} loan and the XXXX with XXXX is {$69000.00}. I have had no contact with my grand daughter since May and she is contesting her father 's will in court currently. I doubt that I will be able to get her to call Sallie Mae so attempting to get a lower payment seems like a moot point. I believe I will have to see a bankruptcy attorney but my understanding is this would only be a temporary relief. Sallie Mae calls my home phone every 30 minutes and says then ca n't stop this procedure. My grand daughter has not made any payments at all and I ca n't pay the mortgage without my other son 's help so I do n't know what I can do to fix this.My grand daughter did all this on her lap top I never got a copy of either contract and I just asked them to send me a copy in the mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: ACS Education Services
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Hello, I originally took in this loan over 3 years ago, the reasons I have not paid the full amount yet is mostly economical, I went through a divorce 5 years ago and I am a single mother supporting myself and my daughter. I have deferred or ( forbearance ) payments for a total of 36 months, ( I had no knowledge the maximum time for forbearance was 36 months and that I had exhausted that time limit ) I was offered the option on the phone to get this done once more and I did it. My plan was to pay this in full when my tax return arrive early next year since I will finally be receiving incentives at work starting next year. I phoned ACS sometime in XXXX to submit my request to defer over the phone and it was accepted, at no point or time I got a denied note telling me it was actually denied. I went on and about thinking my account was in forbearance until I get a warning from XXXX telling me ACS had reported negative information in my file. I understand I exhausted the time limit but I did not know I did, nobody contacted me from there to let me know and to start making payments! I begged them to please remove the negative information from my report since my credit score dropped more than 60 points! I am finally trying to get a loan for a house and this is not helping me. I have friends who have been able to put their accounts in forbearance for multiple years, none of them are of XXXX descendent, which is very strange. I spoke to ACS and let them know I could me XXXX payments from XXXX and starting XX/XX/XXXX I can either get back into full repayment or pay the account in full. The stated the are obligated under FCRA to report negative information if the loan is n't paid as agreed, or account is in suspended payment, I understand that but I was under the impression I WAS in that status, had I known I was not I would have start paying somehow. What ACS is doing is keeping me from going forward in life, all I want is the negative information to be deleted from my credit reports because I did not know my account had exhausted 36 months of forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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 have this accounts that does not belong to me and i want them to be eliminated from my credit report. 

XXXX  1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have numerous private student loans originating from 2003 along with federal student loans. I did n't finish school my first time around after becoming pregnant and quickly seeking a job to help assist in raising her. Trying to get out of my financial troubles I forged ahead to go back to school. My student loans in the meantime ran out of deferment and forbearance time period and became due while I was in school. Eventually, finishing school and finding a job and an apartment while caring for a child without assistance, I have always had the upward battle of trying to pay off my student loans. It has always come down to choosing to pay my bills for the cost of daily living versus student loans. I became so far behind I just could not keep up with them and it spiraled out of control. When I tried to ask for lower payments it was n't granted and my immaturity and lack of knowledge made me think I had no other options but to default, by the way the lenders were presenting me with the information. They offered my large lump sum settlements in the amounts of $ XXXX plus, things just unrealistic when I 'm living paycheck to paycheck. Now I am being sued with possible wage garnishment that I ca n't afford. There are lessons to be learned here, but what I am most sad about is that I have a child who is almost XXXX and a XXXX who o can barely support because of debt I accrued when I was XXXX/XXXXyears old. If only I had known better I probably would 've went to a state school rather than private school.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I consolidated XXXX loans at different % from 1 to 6.8 %. The formula use to add all loans at different % is not to favor the borrower but the institutions. The % that I got is still to high at 6.12 % and cant make payments. They sold my loans to other institutions that I had at 1.5 % and gave it to me at 6.12 % in the consolidation? Is this fair? yes I read the fine print. I did not have to consolidate the lower % loans, but could not cover the monthly payment with so many loans. You tell me. How can we jump in XXXX giving fairness all the tactics that the lenders use to profit from the education that we seek.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: SUNTRUST BANKS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Suntrust Mortgage increased my mortgage payment twice in two months. The second time they did not inform me of the new payment amount until I received a notice saying that unless I Payed the extra amount I would be reported to the financial bureau for non payment

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 2023-03-23
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Our company needs assistance from PayPal regarding their policies and transaction fees and, after numerous attempts to contact the company and resolve these issues directly, we are requesting the assistance of the CFPB as no other options remain. In the subsequent 3 paragraphs, I will describe the issues we need assistance. 

1. What can a merchant do in an instance where a customer, immediately after paying for a PayPal invoice, changes their mind and wants a refund? The logical and easy solution would be to simply issue a full refund but, due to PayPal 's policies of not returning transaction fees, this can't be done. Someone has to lose out on those transaction fees and, especially for a company with larger orders, this is financially significant. Either we have to lose hundreds of dollars for a transaction which may have only been active for a few minutes or we have to give the customer a discounted refund which inevitably leads to problems and disputes. 

2. Adjacent to the problem described in paragraph 1 is the issue where a merchant 's client pays for an invoice through PayPal but wants the products they ordered delivered do an address which is different from the address they put on the invoice. In this situation, if the merchant delivers to the address which was put on the invoice, but which the customer now does not want to deliver, the customer is upset. However, if the merchant delivers to an address which is not on the invoice, the merchant sets themself up to automatically lose in the case of a dispute. Again, if the merchant wants to issue a refund so that the invoice can be done again with the correct delivery address, someone ( the merchant or the customer ) automatically needs to lose out on transaction fees because PayPal doesn't refund transaction fees. Finally, addresses on invoices, per PayPal 's policies, can't be changed after the fact and our company has not been given to clear ( or any ) solutions as to how to handle these situations. 

3. Is there a way, like with some other payment processors to authorize but not capture a PayPal payment? This way an order and payment could be completed sorted out and confirmed before the capture ( and therefore transaction fees ) would take place. Alternatively, if not, can we have our account configured to return transaction fees so that we are not losing money on transactions which need to be cancelled right away? Similarly, what would happen in a case where someone accidentally sends a payment to a merchant? Someone has to automatically lose transaction fees? 

Please assist us in getting competent guidance for these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: AES/PHEAA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
My loans have been in repayment since graduation from XXXX XXXX University in XXXX 2008. Recently the company that manages XXXX of my private loans has been misallocating my payments. As a result, XXXX of these loans continually look like they are delinquent. As a result, I as well as my parents ( the cosigners ) receive a stream of emails and calls threatening my credit rating. We 've tried calling to straighten things out and every time they realize they 've made a mistake, but the error and the ensuing harassment keep happening. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I obtained my credit report and discovered multiple errors. I send a letter to Equifax stating I was disputing a Bankruptcy on my record. The first letter that I sent was on XX/XX/XXXX and it was signed for on XX/XX/XXXX. I received a letter back stating they had " verified '' this using a third party ( XXXX ). I sent a second letter on XX/XX/XXXX and it was signed for on XX/XX/XXXX, stating that I was requesting the information that they used to " verify '' the bankruptcy. Again, I received a letter saying they verified this information using XXXX, but did not prove and documentation to me as verification. I mailed my third letter on XX/XX/XXXX and it was signed for on XX/XX/XXXX. I called Equifax and asked to speak to a supervisor in dispute. Again, I was told that the information was verified and I was denied any proof when I requested to have it sent to me. 
My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Equifax Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). 
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 
I have given Equifax multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2021 {$400.00} was transferred to an unknown account. I did not authorize the transfer and I do not know where it went. I filled a claim with Bank of America on XX/XX/2021, on XX/XX/2021 my claim was denied for an unknown reason. I am now trying to reopen my claim with no success.

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 2016-04-04
Company: Utah System of Higher Education
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
The associates at the new servicer Utah Higher Education XXXX refused to allow me to put my loan into forbearance and further, have blocked from using their website. I never had any problems and have never been late on any payment with the prior servicer XXXX. The representative XXXX ID # XXXX refused to let me speak with a supervisor or manager and disconnected me. 
As I am not working, I just wanted to put my loan into forbearance as I have that right but this new servicer comply.

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 2016-04-14
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Thank you for accepting my complaint. I am trying to purchase a home. In process of doing that my credit was pulled. I found out from the report that my identity was stolen as several items listed I had nothing to do with. One of the items on my credit was a medical collection from Commonwealth Financial account number XXXX for {$910.00}. It is also listed twice, same account number and same amount with XXXX. I understand that is a violation as well. Anyway, I went and filed a fraud report and mailed it to the bureaus and to Commonwealth. Commonwealth declined it. I contact them by phone and they said that quote " because you waiting 1 year to notify us, you owe the money and we will not delete the account '' then they went on to tell me that I could settle the account and they would remove it. I am very upset as I feel like this is just a tactic to con me into settling the account. I feel very strongly that since I did not do this why should I have to pay it. Also, nothing I have read says there is a time limit on ID Theft. Only reason I even knew this was on my account was because I was applying for a mortgage. Commonwealth Financial in my opinion is employing dirty unlawful tactics in order to get me to pay for something I did not do. They have received my ID theft Affidavit. I copied my police report in this complaint but not the ID Theft Report. Commonwealth has a copy though. They have also received a phone call from me. Both times I was denied, I am asking for your help to resolve this now.

Company response to consumer: Closed with explanation