BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Account : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} Inquiries : XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date 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 2021-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021 I deposited {$250000.00} into my account. Only {$250.00} has been credited. 
I called Bank of America 3x and was told 2x it would be fixed, the 3rd time I called my branch and the assistant manager said there was nothing she could do. I went to the branch physically and was told to call the number ( which I had done 2x ) and there was nothing else they could do. So I am out of options. They have the {$250000.00} but insist on keeping it without crediting it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-22
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted 3 employer certification forms on XX/XX/22 for loan forgiveness. On XX/XX/22 I submitted the forms for the second time when I received the letter stating only one form was received. On XX/XX/22 only one of the form was processed and even that one was not processed correctly. I called the ombudsman on XX/XX/22 when nothing was updated on their website. The ombudsman stated that it would take 2 weeks to process all the forms. On XX/XX/22, I saw that still only one of the form was processed correctly. I called the ombudsman again on XX/XX/22 who now stated that it would take another month to process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Square Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
{$1500.00} was taken off my cash app card and the person was claiming to be an associate with cash app and they were going through the process of enabling my card that they temporarily disabled and suddenly the person I was communicating with disappeared along with my money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ongoing since 2016 numerous collection agencies due to the hospital not providing the proper billing information to the physicians. I am a service connected veteran And have medicaire thru my social security XXXX my medical bills should be billed to the XXXX Va XXXX and then to XXXX and they will all be paid, however instead of doing that they send it to collection agencies who are rude and harass me and leave fraudulent charges on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Credit card
Issue: Transaction issue

Complaint:
I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam.I would like you to investigate the following charges on my Bank of America card : XXXX XXXX {$2200.00} on XXXX/XXXX/2016, XXXX XXXX {$3500.00} on XXXX/XXXX/2016, XXXX XXXX,XXXX charges of {$2500.00} on XXXX/XXXX/2016 and XXXX/XXXX/2016. I got contacted by these companies by unsolicited telemarketing phone calls. The reason for this dispute was due to their deceptive sales tactics they used to obtain my business. They promised me a profitable at home online business.I have n't heard from them since, I tried to get in touch with them several times and I was not successful. They did not provide the services I was sold.

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 2020-06-16
Company: Experian Information Solutions 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:
In XXXX of this year, I found out that my identity had been stolen. I checked my credit report and there were several closed student loans on my credit report. In total, there were 4 accounts all opened fraudulently using my identity. 

I alerted each credit bureau that my identity had been stolen by sending a letter, filing a FTC complaint, sending an FTC affidavit and filing a police report and requested that they remove the accounts. It is my understanding that victims of identity theft are to have fraudulent accounts blocked from their credit report within 4 days of receiving that notification but they refused to do so and declined to give an explanation as to why they would not do so. They stated that all of the accounts had been verified as mine. 

I reached out to the creditor directly and requested that they provide proof that the account is mine by showing a physical contract with my signature and show what method they used to verify that the debt is mine. Instead of doing so, they sent a follow up letter plainly stating that the account was verified. 

Lastly, I sent a of Notice to Furnishers of Information showing that they can only report accurate information and that they are in violation of the FCRA because they have received word from all three credit bureaus that my identity was stolen but they have failed to take any action whatsoever.

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 2022-07-22
Company: Experian Information Solutions Inc.
State: VA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$660.00}

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 2019-12-30
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 following accounts are fraudulent : XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1400.00}

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 2015-05-21
Company: SLM CORPORATION
State: IL
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 XXXX loans that I borrowed from SallieMae to pay for my education at XXXX University. I signed up for a ten year plan with a fixed {$25.00} per loan monthly plan to decrease my interest for each loan ( a total of {$75.00} a month ). Unfortunately, after I had graduated I have no luck with a full-time job. My finances that I pay each month are medical ( XXXX supplies and visits ), car insurance, phone, food, and soon to be rent. I can barely afford these finances as it is and when I called Salliemae to see what the total for each month would be after my grace period, they had told me about {$700.00} ( not including the government loans ). I had tried XXXX times calling them seeing if I can lower the payment per month, and they provided no helpful answers. They told me the options I have are forbearance which would make my account a delinquent, and only XXXX of my XXXX loans qualified ( the smallest XXXX of course ) for their " graduate payment plan '' which only would bring it down about XXXX dollars. I told them that I am willing to pay a much higher interest for a lower monthly payment which they told me they do n't do. They had mentioned that I could use auto-debit which would decrease my interest by a " whopping '' .25 %. I told them each time I called -they each said the same thing- that I am not interested in lowering the interest but the monthly payments because I can not afford that payment each month. Each time I call I feel they ignore my plea for help on lowering it, even if it means I give them a lot more money in the long run.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: American Coradius International LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection letter on XX/XX/2022 from American Coradius International LLC XXXX XXXX XXXX XXXX., XXXX XXXX XXXX, NY XXXX They claim I charged {$510.00} on a XXXX XXXX XXXX XXXX account. They claimed a credit or payment had been made for {$130.00} and I currently owed {$380.00}. 

THIS IS FRAUD AND FALSE I never had a XXXX XXXX in XXXX account. I never charged {$510.00}. 

I called XXXX on XX/XX/2022 at XXXX and XXXX XXXX the letter is fraud. There are no transactions on any account in my name for that amount. The XXXX transaction ID is incorrect. 

The letter was sent to my address, but did not use my correct legal hyphenated name. 

I'm concerned people with think this is real and pay it since it's debt collection. 

YOU NEED TO STOP THEM FROM SENDING THESE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Business & Professional Service is reporting a debt from a doctor 's office that was 100 % paid by my insurance company. This office made sure you paid before you were even seen! My last visit with XXXX XXXX XXXX was on XX/XX/XXXX and resulted in an ER visit XXXXXXXX XXXX later! However, per my XXXX from my insurance company, I am not responsible for any payment to this office on this visit! I have disputed this debt previously in XX/XX/XXXX and stated that the claim was paid by my insurance, however, it remains on my credit! I have attached a copy of my XXXX and my prior dispute!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: FL
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 XXXX - Account # XXXX, XXXX - Account # 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
They did not give me a lower payment options, kept forcing forbearance on me ( They make you pay a fee for forbearance ). My loan has doubled in price and has reached {$150000.00}. I can not afford the payments on this loan, but know one wants to help. I keep making payments but the balance never goes down. They also told me after you pay XXXX consecutive payments that you can remove a co-signer. I made 12 consecutive payments and was told that because it was a " discounted '' payment. All of the sudden it was " it has to be full payments w/out a discount '' I ca n't afford to fill my cavities, go to the doctor, buy a car, get a business loan. I live buried under credit card debt because the payments are ridiculously high. My XXXX and XXXX are at a constant high considering that they call me 8 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: FL
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) XXXX XXXX XXXX ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) XXXX XXXX XXXX ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2020-06-16
Company: Experian Information Solutions Inc.
State: NY
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: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX/DOFED. Inquiries : XXXX, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: VA
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:
Student loan is paid off. But still reporting on my credit as not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: STERLING JEWELERS, INC.
State: LA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
There is a account that my mortgage loan officer found while im in the process of getting a mortgage with the creditor name Kays Jewelers that show it was opened in XXXX and its a bad debt placed for collection with the last four of the account number showing as XXXX. I 've contacted this company on numerous of occasions to tell them about this fraudulent account and was willing to send a copy of my fraud affividat and police report because i 've never had or opened a kays account and I demand this company remove this account from national credit reporting agencies and my liabilty from this account within of 5 business days of recieveing this notice. The company has ignored my correspondence regarding this issue and if they do n't remove my liability and this account from my credit reports I 'm going to file a lawsuit in the court of law on the 6th buisness day along side my lawyer for puntative damges and emotional stress in the amount of XXXX dollars if they dont get this issue resolve. Identity theft have taken control a big part of my life and i 'm not just getting things in order and I wo n't let this happen anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: MNE Services, Inc
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have received nonstop harassing phone calls at my work from XXXX claiming that I had an outstanding loan from 2012 from the company US FASTCASH . They have called my place of business repeatedly causing issues with the switchboard ( I work in a XXXX ). I have also received calls from my manager asking me to take care of this. The individual that calls has a very thick XXXX accent and will not give me any further information other than I owe money from 2012. He told me that I could pay back the loan plus another {$330.00} ( for a total of {$630.00} ) via XXXX gift cards. He has threatened me repeatedly, telling me that he will contact my manager at work and " I will lose my job, I will lose everything. '' I requested more information about this alledged loan, and he will not cooperate. He has threatened to continuously call my work. I also received an affidavit via email after I told this person that I did not know what he was talking about. It stated that I am being sued. There is an address on it from Oklahoma, however when he calls, it is from a Florida phone number. When I looked up the phone number, it was a cell phone. I told him I was not paying him any money until he sent me more information about this alleged debt. 

The address on the affidavit is : XXXX XXXX XXXX XXXX, XXXX OK XXXX, from a person called XXXX XXXX from US FASTCASH. Though he said he was with XXXX XXXX. The telephone number he calls from is XXXX. I tried to reach someone from US FASTCASH but could not find a legitimate contact number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My Great Lakes is charging interest during forbearance. I paid all outstanding interest on all loans. There was a {$0.00} interest calculation on my account summary page the last time I made payments of {$500.00} and {$5500.00} on XX/XX/XXXX and XX/XX/XXXX. Now, I see interest totaling {$110.00}. How can interest go from {$0.00} to {$110.00} in three weeks if the interest rate is 0? They claim this is interest accrued prior to XXXX. Since all interest had been paid previously ( I have screen grabs ), I can only gather that that this is an honest error that they have refused to correct to date or its a falsification. 

Also, if you look at the payment history, you see an interest balance of {$0.00} on the Grad Plus loans and an interest balance of {$2.00} on the Stafford loans. First, the {$2.00} charge is wrong given forbearance, but what about the discrepancy between {$2.00} and {$110.00}? They claim the {$110.00} charge is due to the way I chose to have payments allocated between loans. However, this can't be true because ALL interest was previously paid. If no interest is accruing, and all interest had been paid, how can you back charge me interest with no accounting to show how you got that number? 

This is the second time interest has gone from XXXX to a balance during this forbearance period. You can't continue to back date interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: ENCORE CAPITAL GROUP INC.
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland Funding LLC from XXXX Acct # XXXX if trying to collect and debt that was paid on XXXX XXXX debt from XXXX was paid through XXXX after my dispute was resolved., I have been disputing on my report since XXXX

Company response to consumer: Closed with non-monetary relief