BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-10
Company: AES/PHEAA
State: MI
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:
My Federal student loans qualify for forgiveness under XXXX as of XX/XX/XXXX. I have letters from FedLoan servicing even stating this, from XX/XX/XXXX, when I had previously certified my employment. In XX/XX/XXXX, I submitted my employment certification to have the XXXX qualifying payments that have been made, counted. After 2 months of waiting for a response and contacting FedLoan Servicing multiple times to get an update ( to which they never responded ) I received notification that my payments had been re-tallied. Unfortunately, they seem to have completely disregarded my most recent employment certification, claiming I am still 2 qualifying payments short and counting every payment since XX/XX/XXXX as " qualifying but uncertified '' payments. My most recent employment certification should cover all payments from XX/XX/XXXX- XX/XX/XXXX, yet this is not reflected. Their incompetence is delaying my ability to have my loans forgiven under XXXX. I have a previous complaint against FedLoan Servicing ( CFPB # XXXX ) where they had also failed to count my payments properly ( which took nearly a year and involvement from the CFPB and a Student Loan Ombudsman to finally correct ). Because XXXX is set to expire soon I need this resolved ASAP. Attached is my most recent employment certification covering XX/XX/XXXX- XX/XX/XXXX as well as the email from FedLoan Servicing from the last time my payments were corrected notifying me that I would qualify for forgiveness with XXXX payments in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I just got scammed, I had received a couple calls from an XXXX XXXX phone number XXXX on XXXX/XXXX/15 ( XXXX ), XXXX/XXXX/15 ( XXXX ), XXXX/XXXX/15 ( XXXX ) & XXXX/XXXX/15 ( XXXX ) stating I was approved for {$2000.00} and I even asked them and was approved for {$5000.00}, so all I had to do to get my loan was transfer the first payment of {$260.00} through MoneyGram to a XXXX XXXX in IL United States with no account info and would email me the confirmation # when it was transferred into my account and never emailed me a confirmation or text me when the money was in the account ; they ended up calling me back to ask if I was at the MoneyGram location and would help me thru it and I 'd get the money as soon as 30 minutes and as late as XXXX on XXXX/XXXX/15. The whole process took me an hour and half from work. I get a call when I got back to work saying the US government needs me to pay the taxes of {$420.00} ; that they deposited the money into my account but it was on hold from the government until I pay the {$420.00} but I 'll get it back ; I should 've known it was a scam because why would I pay out money if I did n't have money and was borrowing money and then pay out money again then they 'd give me my money, so now I 'm out {$270.00}. I finally went thru my bills last night and totaled up all I have due with store cards and all and it totaled {$4000.00} plus over an {$800.00} water bill from when we had the leak in the water pipe, I had a vet appointment for {$130.00} and I had borrowed the {$260.00} from a friend for the down payment thinking I 'd get the money back right away. I found this website : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: Experian Information Solutions Inc.
State: MA
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:
A business alleged that a negative information must be stated on my reports to cause a 243-point deduction. However, did not stand to the challenge of reporting accuracy and has refused to cooperate with investigating the matters in a honest and fair consumer manner, XXXX   XXXX. The bureaus are requested to remove the items over 60-days now and have done little or nothing, some even causing further damage to the reports. It is time to restore my credit to its original state of XXXX points since the disputes have gone on for long enough, i.e. since XX/XX/XXXX to XX/XX/XXXX, and every effort was made to help them reconcile the reports to accuracy including the detailed reporting based on the business ' own printed statements.

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 2015-12-21
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
i sent money threw XXXX XXXX XXXX the receiver in XXXX was told the money was paid out. I went back to the store n the manager said it takes a few more minutes.could you please help get the money paid

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Receivables Management Partners, LLC
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This collection agency failed to communicate with me clearly via their website and through their customer service department during a time in which I set up automatic payments of my debt. This lack of communication resulted in payments not being withdrawn and the company reporting this to my credit without cause. They provided me with NO documentation so I have nothing to back up claims. It then took 3 weeks to get someone to call me back so that I could pay off my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I've contacted XXXX XXXX to have an inquiry delete from my consumer report that happen on XX/XX/XXXX and XX/XX/XXXX. The sent me a letter backing requesting the credit bureaus to delete the inquiry on my consumer report. I've sent a copy of the request to the credit bureaus and they didn't comply even though I provided proof to have the inquiry deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Experian Information Solutions Inc.
State: IL
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:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Atlantic Credit & Finance, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A debt collection company that I send payments to is claiming that they did n't receive a payment that I sent in XXXX 2016. However I 've made payments in XXXX and XXXX which have applied to my account correctly. I 've tried to rectify this matter and two months later and still has n't been resolved. It is very difficult to speak with someone about my account, because staff are rarely available. At this time I still have n't been informed about the company 's status in tracking the 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 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I've contacted XXXX XXXX to have an inquiry delete from my consumer report that happen on XX/XX/XXXX and XX/XX/XXXX. The sent me a letter backing requesting the credit bureaus to delete the inquiry on my consumer report. I've sent a copy of the request to the credit bureaus and they didn't comply even though I provided proof to have the inquiry deleted .I 've spoke to an supervisor and the company told me that didn't have any I sent " i attached everything down below I sent and proof to have the inquiry deleted.

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 2022-04-09
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:
1 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
2 ) In accordance with the fair credit reporting act XXXXXXXX XXXX XXXXXXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A 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 explanation
Consumer complaint received 2016-08-08
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Name of Creditor : Financial Control Services Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, TX XXXX Re : XXXX Amount : {$330.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I check my credit report I notice there was several accounts that was not open by me.someone has been using my identity for many many years am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block  Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of 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 explanation
Consumer complaint received 2022-04-09
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:
1 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
2 ) In accordance with the fair credit reporting Act XXXX  XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
3 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
4 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
5 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
6 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
7 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
8 ) In accordance with the fair credit reporting Act XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A 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 explanation
Consumer complaint received 2016-01-31
Company: CSO Financial
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:
CSO Financial sent me a debt collection notice on XX/XX/2016, claiming that I owe XXXX for " XXXX XXXX Overdraft & XXXX ''. 

I have never had an account at XXXX Bank, and I do not owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-25
Company: Berman & Rabin, P.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
After the account was settled in full per the settlement agreement dated XXXX XXXX, 2016, the attorney offices representing the creditor failed to file an Acknowledgment of Satisfaction of Judgment with the court. This non action on their part is causing hardship and additional expenses. This office is non-responsive most of the time or provides untruthful information : it was communicated that an Acknowledgment of Satisfaction of Judgment will be filed with the Court within 30 days ; it 's been 90+ days since they cashed the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX, XXXX and XXXX credit report. my latest credit report shows 2 inquiries that i did not authorize or been payed off. 
am writing to dispute the following inquiries and asking for their removal from my credit report. please have these unapproved inquiries removed from my credit report. please update me with a full report on your finding within 30 days. as it is harming my ability to obtain new credit. i would appreciate a copy of my credit report once this issue is resolved. 


thank you for your time. 
sincerely XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$40000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-09-02
Company: EQUIFAX, INC.
State: IN
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 according with the Fair Credit Report Act XXXX XXXX XXXX account number XXXX, has violated my rights. 

15 .U.S.C 1681 section 206 A. States I have the right to privacy.

15 U.S.C 1681 section 604. A section 2 : It States a consumer Reporting can not Furnish an account without a written description.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted Equifax for they show a XXXX XXXX XXXX account charged against me and it is not mine. And they investigate and then put it back. It is not me. Never dealt with XXXX XXXX XXXX and have never been to XXXX, Missouri

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Credit Bureaus have done nothing! I have been disputing the fraudulent items reporting on my personal Credit Report by submitting numerous dispute letters as well as submitting CFPB complaints addressed to the Credit Bureaus and it is clear that the Credit Bureaus have done nothing! NOTHING AT ALL! I have read that the Credit Buruas are required to remove any accounts and information that resulte due to identity theft under the FCRA section 605b. But I see here that the Credit Bureaus continued reporting the disputed items without providing me copies of documents to prove the Credit Bureaus ' claims. This act by the Credit Bureaus is a clear violation of my rights under the FCRA Regulation. I am now submitting this CFPB complaint to request that the Credit bureaus remove the disputed items as soon as possible from my Credit Report. I need teh following items deleted completely from my Credit Report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$250.00} US DEPT ED XXXX Balance Owed : {$1700.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$2000.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX Owed : {$1100.00} XXXX XXXX  XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX  # XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief