BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-30
Company: AES/PHEAA
State: DC
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 am submitting this complaint because XXXX has not corrected my inaccurate payment count for PSLF. 

I graduated from law school in XX/XX/XXXX and began public service employment in XX/XX/XXXX. My 2 Direct Loans that were consolidated on XX/XX/XXXX, with income-based payments beginning in XX/XX/XXXX. All of my employment since XX/XX/XXXX has been PSLF qualifying employment, and I remain in public service. These are the three outstanding issues with my PSLF payment count : First, under ineligible payments, it still shows that 6 of my payments for the subsidized loan - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - and 4 payments for the unsubsidized loan - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - because they were allegedly received " outside the payment window, '' but that does not make sense because my payments have been on auto pay and have always been due the XXXX, which is the date they were paid. 

Second, for both loans, it says " you did not have a bill due for this payment period '' for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but I have one consolidated payment for both loans and I made a payment on XX/XX/XXXX and XX/XX/XXXX, which should both count for the XX/XX/XXXX and XX/XX/XXXX payments since they are within 15 days of the payment due date. I am reattaching my student loan history, please see pages 5-6 and page 10. 

Third, I was on income-based zero payments from XXXX as a result of my XXXX service. During those years, my loans were with XXXX XXXX XXXX. None of these payments are accounted for or showing up in my history in any way. I am supposed to receive credit for nearly 2 years of these XXXX payments - I intentionally signed up for income-based payments during these years for PSLF purposes- but they are not being added to my count. 

I have been in public service for over 11 years and have been making following the income-based repayment requirements throughout that time- please help me get the payments credited. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Hello I have been waiting weeks for my prepaid Way2Go card And I still havent received it I called and asked if I can get a tracking number and said thats not possible when they gave it to other people living in the same household now they are charging me with a replacement when I never received one and got paid, also I asked if XXXX  year old and older can sign up for the go program and they hung up on me Im receiving benefits but im still waiting for my Way2Go card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Experian Information Solutions Inc.
State: IN
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:
Experian will not update my consumer credit report to show that this account, XXXX Bank installment loan, is paid in full with a XXXX  Balance. Experian continues to report incorrect information about this account which has negatively impacted my FICO score.

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 2017-03-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax did not verify the accounts I disputed on XX/XX/2017. I requested a copy of the verification for the accounts in dispute however I did not receive any.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Credit Karma, LLC
State: PA
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:
XXXX XXXX has a button to Check Rates of companies to see where your rate is on a competitive basis. I just received an email telling me that by clicking on that button I applied for a loan which I never did. When I replied that I never applied for a loan it was returned to me saying that the email I replied to can only send messages not receive them. This is a total scam without my consent. Please investigate! Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: HW Holding, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a collection popping up on my credit for XXXX dollars for a apartment I never lived in or even had knowledge of. This address popped up last year on my credit saying I resided there. This was disputed, figured out and removed from my report on XX/XX/2021. I had neither lived in this place, visited or even applied to live here. Somehow this company has my information, I created a fraud alert for every company to know my identity has been stolen, nobody contacted me so Im not sure why this apartment was allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Synovus Bank
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureaus are reporting inaccurate information on FSTPROGRESS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am receiving phone call from a place called convergent  XXXX  inc. telling me I owe money to  XXXX   XXXX   XXXX   XXXX . The number they are calling me from is  XXXX . I called  XXXX  and they assured me they are not using this place as a collection agency. They never heard of them. They called me a couple of weeks ago and again today   XXXX  2017. I worked hard all my life and am now retired with a  XXXX   credit score.  Do n't want a place like this to ruin it for me. Need your help to stop this scam

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 2018-06-01
Company: EQUIFAX, 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 information incorrect

Complaint:
In XX/XX/XXXX I provided a letter directly from the company stating they have requested all three credit agencies to remove the remark. This still hasn't happen. I have attached the letter, please process the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ABILITY RECOVERY SERVICE has reported that I opened an account on XXXX XXXX, 2022 and have defaulted on a loan in the amount of {$310.00}. I do not have an account with this company or the originator XXXX  that was opened on XXXX XXXX, 2022, and do not have a debt related to this date and amount.

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 2020-06-24
Company: Alliant Capital Management LLC
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company called my place of employment on XX/XX/XXXX. I sent a cease and desist letter to them. They sold the debt to Alliant Capital Management on XX/XX/2020. I never received proof of validity from either company. Alliant Capital Management called my place of employment on XX/XX/2020. I am sending them a cease and desist letter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I transferred crypto from one platform to Binance.US to use their trading features. Went through ID verification. My application is stuck in " oending '' for weeks with no response from their support. Multiple tickets filed. " Live Chat '' is all automated. There is no support. They are holding my money hostage and will not let me withdraw or buy crypto to transfer. I was able to save some losses by transferring what I had left in cyrpto currency back to XXXX  but only through the browser. The phone application will not allow you to do it. The crypto coins I sold to cash out is still stuck. I am not able to add a bank account when verification is pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: NY
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, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under al open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: JPMORGAN CHASE & CO.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This was a very old Wamu Credit Card dating back to XX/XX/2009 going on 10 years old which only had a credit limit of XXXX. I made a payment of XXXX on XX/XX/2009. The economy came down on us as we were self employed that year and we had to close our store and almost filed bankruptcy. The last known balance on this card thats on record was XXXX as of XX/XX/09. I never got another statement after that and XXXX never notified me of anything. They wrote the account off and it was turned over to XXXX XXXX last I knew. So this is a third party debt collector now which didnt inform me properly or give me any chance to settle. Ive heard some very not nice things about them. They are called XXXX XXXX and they are trying to Garnish my wages which are State Funds for Taking care of my Elderly XXXX Mother in Law. I think what they are doing is very illegal and they are saying I owe them over XXXX. I offered to settle for the XXXX I originally owed but they turned me down. I need help as I cant really afford to pay and feel really cheated in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I do not have a contract with AFNI. I am not liable for collection this debt from  XXXX   XXXX   XXXX   XXXX . I am not responsible for this debt.   Desired Outcome/Settlement Desired Settlement : Correction to a credit report DELETE FROM CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Pursuant 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries included as a attachment in this complaint

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: General Motors Financial Company, 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: Account information incorrect

Complaint:
My auto loan is with GM Financial. In XXXX, i applied to get a new car. I was told that my account with GM was showing past due. I had often waited until after the time due date to pay, but never past 30 days. So, i did have late fees on my account. I paid them that month and made my payment on the due date. In XXXX, i reapplied and they again told me it was past due. 

I looked at my credit report, and sure enough, my balance was showing {$4000.00} higher than what it actually was. They showed my XX/XX/XXXX payment as 30 days late, then hasnt reported anything since. 

I contacted them and they said thousands of people had been affected by some time of software glitch, where they had reported past due payments in XXXX. So, they shut the system down and hasnt reported anything since. In XX/XX/XXXX when i called, they said they had pulled the system back up and it should be updating correctly. 

I just looked again and 3 weeks later, still the same thing. I XXXX this problem and saw hundreds of consumers having the exact same issue. This is preventing people from getting new vehicles, getting homes, affecting interest rates. And GM doesnt seem in a hurry to address the issue. I read back to XX/XX/XXXX where theyd been told the same thing I was told in XXXX ... the system would be back to reporting correctly. And still nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2018 - I previously put a security freeze on my account due to the XXXX breach. I am moving and needed to lift the freeze for credit purposes. The credit freeze was with Experian. I contacted every number they have listed for their services, and I consistently got a machine-operated answering system : you are NOT able to talk to a person. And, the voice-operated answering system only gives you 2 options and a continuous feed of useless information. It is unfathomable to me that the 3 credit agencies are given power to destroy Americans ' lives ; however, they are not required to have " live '' personnel answering calls. Is there absolutely no oversight to this? Thankfully, I found the PIN number used to put the freeze on my account. Had I not, I don't know that I would have ever been able to lift the freeze. And, I have the luxury of a computer - what are the people who do not have this luxury to do?? It is a disgrace that Experian can operate with impunity - they should be required to have " live '' personnel working the phones if the automated voice messaging doesn't provide the needed information given the magnitude of power the credit agencies wield. I can't imagine that Congress or the cfpb would allow Experian to function at this level given what is entrusted to them. An Americans ' credit score is tantamount to a Social Security number in order to get credit ; yet, Experian is not required to provide ANY live Consumer assistance. This is disgusting in my opinion. And, I paid money for the credit freeze as Texas requires it, but yet, I could not get any live help to lift 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 non-monetary relief
Consumer complaint received 2017-06-08
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX  at  XXXX   XXXX  from phone number  XXXX   (   XXXX  )  XXXX  Transworld system attempted to collect a debt which I am already making payments on. The stated that they were calling on th e behalf of   XXXX   XXXX   XXXX   XXXX   XXXX  services. This is starting up I feel because I have in placed a formal review with  XXXX  for the negitive reporting done by  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  on  XXXX / XXXX / XXXX . It is being reported as a charge off balance unpaid account closed on  XX/XX/XXXX . I have been making payments to this company for awhile in the amount of {$170.00} plus they have received my past  XXXX  (  XXXX   ) Federal t ax returns. These payment are made directly through EFT to this company out of my  XXXX  check from SSN. How can this be legal for one and then to tell me that all my payments will go to interest. How can a company charge you interest on a closed, charged off account, all the while taking payments. Is this a violation of FDCPA 807.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Experian Information Solutions Inc.
State: NV
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:
Pursuant 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries included as a attachment in this complaint

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 2017-06-08
Company: CIT BANK, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
Both of my parents were found died on XX/XX/XXXX 2017. My parents had a reverse mortgage which of course was there discussion. After their bank accounts were frozen, 10 days later my parents are dead  to XXXX. I am the one that called Financial Freedom and told them my parents had passed. I even sent copies of the death certificate to them, although we are still waiting on FINAL Autopsy before we can even open an Estee. But Financial Freedom, NEVER BOTHERED TO TELL ME WHEN THE COURT DATE WAS. THEY HAVE SEIZED THE PROPERTY AND IT STILL HAS MY OWN PERSONAL CHILDHOOD ITEMS IN IT. THESE ITEMS NEVER BE REPLACED. WITH LARGE LOCKS. THE DEATH CERTIFICATE IS NOT COMPLETE HOW CAN THE TAKE PROPERTY, WHEN LEGALLY THEY HAVE NOT GOTTEN A FINAL AUTOPSY? I ALSO SENT A REQUEST AT SAME TIME I SENT THERE PENDING DEATH CERTIFICATES, ASKING THEM TO PLEASE SEND A DETAILED LIST OF ALL DEBT OWED, THAT MY INTENTION WAS TO TRY TO SETTLE THIS WHEN I WAS ABLE TO GET INTO THE ESTEE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Experian Information Solutions 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:
Pursuant 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries included as a attachment in this complaint

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 2021-11-12
Company: EQUIFAX, INC.
State: NY
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Have no clue what this account is, I reached out to Portfolio Recovery regarding this error when I first discovered it on my credit profile, This company failed to inform me of this debt, I called the company and informed them i had no knowledge of this debt and who was the original creditor and how do i owe this debt, The rep kept trying to pressure me into paying it and wouldn't give me the information i requested such as who is the original creditor and why do they feel i owe this debt .I hung up and sent out a letter asking for validation they sent me a bill I still had know knowledge of the account because i never had an account with the company, So i sent them another letter with the law as to what validation meant .I also sent in a request In accordance with the Fair Debt Collection Practices Act formally known as and codified under 15 USCA 1692 ( a-p ), I am asking for, and you are required to provide me with the following information : a ) Why do I owe the money? 
b ) How this amount has been calculated in a way I can understand. 
c ) Copies of the papers where I agreed to pay what you say I owe. 
d ) ( if applicable ) a copy of the judgment. 
e ) The name of the original creditor. 
f ) Demonstrate that you are licensed in Louisiana, and provide this license number to me. 

Additionally, please provide this letter to the company for whom you are collecting so that they have notice of my dispute. 

Please inform any credit reporting agencies to which you have reported this debt to, that this debt is currently in dispute. I will require proof that you have done this. 

You are also required to cease and desist from contacting me in this and any related matters unless it is by United States Mail, and only for the purpose of informing me that you are terminating all efforts to collect or that you are taking specific court of legal action. 52 days passed and Portfolio Recovery has refused to respond.I mailed letter via certified mail and upon tracking the letter it was received

Company response to consumer: Closed with non-monetary relief