BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-11
Company: AES/PHEAA
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I received XXXX from the XXXX for student loan forgiveness. Fedloan Servicing agreed to apply the amount to my loans and set it up so that I would not have to pay again for 4 years. I have made numerous calls to them and they tell me everytime that it is fixed but they still show my account as in forbearance and I can not see where the money was applied on the website. I have emailed them as well but they do not respond. I am now trying to purchase a home but this is causing an issue now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
JPMCB - United Mileage Plus Awards card. Credit limit since open has been {$17000.00}. Account used and paid off monthly. JPMCB reduced credit limit to {$8900.00} due to low utilization. Stated that hard copy letter mailed to address. Letter never received. Refused to restore credit limit without hard credit inquiry ( double penalty to credit score ), although original CSR stated that they could have returned credit limit if I had contacted within 30 days of letter ( currently around 45 days ). Can not respond to letter that I never received. Only notified through credit monitoring service ( XXXX  ). No copy of letter available on online account to reference either. Would cancel card, but that would hurt credit even more than maintaining at lower balance. Request that limit be restored to previous without additional credit inquiry. Nothing has changed in credit report to warrant reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XX/XX/2020 and several dates before this. XXXX is not acknowledging my correct address at XXXX XXXX way where I have lived for 3 years as a home owner. The FICO score on my AMEX erroneously shows XXXX. The score should be around XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: Experian Information Solutions Inc.
State: AK
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:
As if today XX/XX/20 I discovered my credit score had been deducted by 37 points due to the incorrect reporting of this company on my credit report. Not only did they mark my payments as late they also said I was delinquent when I made a payment. For the past 4 years I have been unable to make an online payment which is an inconvenience as being a service member I was in a area that did not have access to pay this card I called customer service and they were not able to assist me they said sorry and hung up.i am in a remote area with only one small XXXX  and its not close to where I am stationed. As service members we deserve the fair treatment if i could have been afforded the opportunity to pay online I could have avoided this and this negative impact to my credit. Now I will not be able to obtain any other opportunities of credit. I was in the middle of holidays and XXXX in a area with family that had no access to a military installation and then a negative report was placed on my credit because I didnt have access to pay the bill. During this pandemic I am a XXXX XXXX and have been unable to make it to the store to pay again online payment would help me tremendously right now.

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 2020-06-17
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: Account status incorrect

Complaint:
My credit hs dropped 80 points due to status " Affected By A Natural Disaster '' ; this is incorrect. The CARES Act should not drop my credit score. On XX/XX/2020 I contacted my lender ( XXXX XXXX ) at XXXX am and spoke with XXXX who checked my status. She said there was no record of a status of " Affected By A Natural Disaster '' and suggested I contact and start a dispute with the credit agencies. By noon on XX/XX/2020 I started a dispute with Experian which showed under " Status '' the incorrect information on my school loans " Affected By Natural Disaster. '' On XX/XX/2020 Experian stated that my dispute was closed, the information had been updated per their inquiry to my lender and the status remained " Affected By Natural Disaster. '' I then uploaded a copy of an email from my lender stating that the company has been incorrectly identified as changing loan holders tatus, but they have not been the entity relaying this information to the credit agencies and the information they have states that all loans they hold have not been given a status change. By XX/XX/2020 Experian said the reopening of my dispute was complete and again the status was not changed. On XX/XX/2020 I again contacted my lender and confirmed that there was no special status on their records. I then called Exerpian XX/XX/2020 and spoke with XXXX XXXX to clarify where Experian was getting information from and to dispute the status. XXXX stated that Experian received their information from my lender and the only way to change the status was for her to send a direct email to the lender questioning the status. I asked her to proceed with this action. I feel as though I am being given the run around between the two entities. I also found XXXX is reporting the information on my report incorrectly. However, XXXX makes it incredibly difficult to get your free credit report, and when I went to start a dispute the page comes up with error readings with no further way to contact or send the appropriate information. I can't buy a house or refinance my student loans until this situation is resolved.

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 2019-12-21
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have MULTIPLE complaints. 

The first is that information is lacking and is not transparent. There is no way in the system for me to confirm the repayment plans each of my loans is on. 

The second is that they placed my loans in forebearance for NO reason. 

When I emailed to ask about it two weeks ago they never responded. 

They increased my monthly payment claiming it is because some of my loans are on a graduated repayment plan even though I switched ALL of my loans to the standard plan years ago. Since I can not view/access that info, I applied to change all of the loans to standard. They denied it stating my loans are already on the standard plan which begs the question of why were my payment amounts increased and why are they claiming some are on the graduated repayment plan. 

Now, the site wont allow me to submit a question about that. 

It feels that they intentionally fail to provide information or respond to requests for information and I am concerned about what is actually happening with my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: ENCORE CAPITAL GROUP 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:
My name is XXXX XXXX and I am submitting this complaint on behalf of myself there is no third party involved. On XX/XX/XXXX for the amount of {$670.00} and the other one was on XX/XX/XXXX for the amount of {$570.00} XXXX XXXX XXXX XXXX obtained my consumer report and file without a permissible purpose. XXXX XXXX XXXX XXXX is also reporting unauthorized inquiries on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My corporation dissolved in XXXX of 2013. I had XXXX credit cards that were issued to my corporation - I never signed personal guarantees. After I lost my business, I began receiving bills and collection notices for these XXXX revolving accounts. I asked these creditors to provide proof of my personal responsibility, and not as an XXXX corporation. After many months and years of correspondence, they still have not provided proof. I had my attorney correspond and we still received no evidence of my personal responsibility. I am a veteran and these old collection accounts are affecting my credit which is keeping me from lowering my interest rate with my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
We paid Barclays Bank Mastercard {$540.00} XX/XX/2020. Barclays Bank Mastercard refuses to credit the payment to our account. They are now charging interest and penalties even though they already have the payment! 

They said it was paid one day too early, so they will not credit the {$540.00} to our account. They won't return it either. This is nothing short of theft!

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 2021-12-15
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Transunion Credit bureau has failed to respond about the removal of the erroneous information about my inquiry. Sending them letters dated from XX/XX/XXXX to the present, I have not received any response up to this date. On the other hand, inaccuracies about my Inquiries are continuously reported on my Credit Report. Therefore, Transunion failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned Inquiry that is still reporting on my reports : XXXX XXXX-Date of inquiry 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
Consumer complaint received 2020-04-18
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:
I applied for a loan today XX/XX/2020 and I was not approved due to having three accounts from Dept of ED/XXXX in negative standing appearing on my credit. Those accounts are not mine and I did not allow anyone to open them in my name. I have no idea who is responsible for opening these accounts in my name without my permission but I have already filed a police report as well as a complaint with the CFPB regarding these unauthorized accounts. I did not benefit anything at all from these accounts nor did I ever make any payments towards these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have a small business account with TD Bank. I was charged an overdraft fee of {$70.00} on XXXX/XXXX/2017 for checks posted on XXXX/XXXX/2017. I had enough funds in the account to cover the checks that were posted on XXXX/XXXX/2017, but was charged XXXX overdraft fees. I called the XXXX banking department this evening to get the fees refunded to my account but was told it can not be done without an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XXXX XXXX I went to Nissan of XXXX in seek of a vehicle where I was approached by a salesman who ran my credit to see if they were any vehicles available for my credit since i have had a reporting repo session, I also provided a down payment that I as the consumer and natural person had to provide in exchange for property for personal use. This company has failed to fully disclose information related to my retail installment contract ; the finance charge is the sum of all charges 15 USC 1605 and included down payment, this company has taken {$1700.00} cash legal notes and have provided the credit of {$1700.00} on the consumer credit transaction which is deceptive and misleading practices. XXXX Nissan have not to mention have run my credit with multiple banks and have used various addresses on multiple applications to find a lender in extending credit on my behalf. This had led to the reporting of inaccurate information to the credit reporting agencies I have never been a XXXX or XXXX resident which are reporting the same dates as me opening the retail installment contract which is fraud on my behalf unauthorized use of credit card defined by Congress states is identify theft. This is criminal and unlawful fraud practices I have been initially affected by this.buyer was not clearly and conspicuously informed of Sellers true intent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My name is XXXX XXXX. I disputing my students loans. XXXX XXXX has been sending missed payment with reports to my credit for the past couple years. This is frustrating because I am currently in school. My contract them is i 'm not obligated to pay until 6 months after graduation. I contact them and they stated that sometimes it 's paper work error between school and Fedloan services. They keep telling me it 's an error but I am still seeing missed payments on my credit report. How to I get those removed?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: American Revenue Management, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
American Revenue Management is calling my work place and continually harassing me. My ex girlfriend is the one who owes them money but they keep harassing me. Their agent by the name of XXXX. XXXX has been calling my place of employment even after telling her this is not allowed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: TX
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 did not do their due diligence to protect data and lost over 143 Million social security numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Those dates are : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. 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 2020-06-17
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase using my Goldman Sachs Apple Card ( used Apple Pay ) in the amount of {$560.00} to XXXX XXXX ( order number XXXX ) on XX/XX/2020. Approximately 20 days later, I had yet to receive the items and filed a dispute in the that amount with my Goldman Sachs Apple Card company. Within a few days, I reviewed the items and withdrew my dispute. It turned out that the items did not fit and I needed to return them for a refund. I received an RMA number from XXXX XXXX and shipped the items back on XXXX XXXX via XXXX ( tracking number XXXX ). It shows that the return was received at the XXXX Sunglasses Warehouse in XXXX, Georgia XXXX XXXX at XXXX signed for by someone with the initials " XXXX. '' I waited about 10 days for my refund to appear. When it did not, I called the XXXX Customer service number at XXXX. Spoke with a gentlemen and he apologized and stated that they did receive the items and he will process the return. I waited another 7-10 days and no refund was issued. I called several times, and each time I was told the same thing ; wait another 7-10 days. 

I tried to dispute the charge again on my Goldman Sachs Apple Card, and was told that because I withdrew the original dispute, I can not redispute this charge. The dispute is for two separate reasons and now I have zero recourse for this charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
State: AZ
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:
My father took my social and opened accounts in my name. I am not sure what he did with it, but all i am sure of is that he opened a premier bank account in my name but with his email address. My only proof is a piece of mail with all the info including the email and name he used for the account. I do not have this piece of mail with me right now because all my mail is sent to my grandmas. I was XXXX for a while with my younder siblings. He applied for a credit card and maxed it out. I am XXXX I have never opened an account until not even a week ago, and the banker told me theres are multiple accounts in my name that i never made. I forgot two of what she listed but i know here is a XXXX account and XXXX XXXX  account in my name that I didnt make. I JUST made a XXXX XXXX account but thats it. Everything else in my name was not me. Both my parents are XXXX XXXX XXXX and became XXXX during covid right around my XXXX birthday late 2020. I am lost and dont know what to do, but I want this cleared up so I can get a home myself.

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