BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-22
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am so frustrated with this student loans system and all the red tape. Last year I switched my student loans to Fedloans since they are apparently the only company that deals with " Public Forgiveness '' Loans. I have been working as a teacher for the last 12 years and have never been able to make full payments because my income is so low it never reaches the level for normal repayment. So basically I have been on the IBR system all these years. Before Fedloans I had Navient and several other servicers before that because they sell the accounts to each other I guess. I have always had trouble with sending my salary information because my paychecks show what I make during 10 months out of the year. It does not show that I do not get paid for the time I do not work in the summer. My yearly adjusted income hovers between the XXXX and XXXX mark on my tax returns but my paystubs show a gross of someone making XXXX per year. I always have to argue this with the loan servicer. There are several complaints I have and it takes more than XXXX words to unravel all the issues and complaints I have. I will try to create a list. 
1. They " lost '' or do n't have evidence of all the " eligible payments '' I have made over the past twelve years or at least since the law changed in 2007 for the loan forgiveness. When they switched over my account from XXXX they did not switch my payment history. 
2. They have sent me a request for documents and an application for IBR three times in the last year. Every time I send them the information they botch my application and cause my account to default and show " late payments, '' destroying my credit score every time. I sent them my application XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again XX/XX/XXXX and most recently now XX/XX/XXXX. They are still processing " the application. '' 3. Every time I call I get the run-around. I get responses like " the application is being processed. '' Then I call to follow up later and they tell me they " did n't receive my application. '' So how is that possible? Then I call back to try to speak to someone else and they tell me the application is " missing my signature. '' Meanwhile my loan is showing XXXX plus days late on my credit bureau for mistakes they are making. My previous payment was XXXX/ month and now it 's XX/XX/XXXX/month. That 's greater than my mortgage. 
4. I called again this last Thursday and I was told to file for consolidation online because " I qualify '' according to their customer service rep. So I did that and not 48 hours later I get a notice that the " application has been cancelled '' because I " do not qualify. '' I 'm at my wits end. Please help. Than you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
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: Their investigation did not fix an error on your report

Complaint:
This company did not follow proper procedures in accordance Under the laws of the State of Florida XXXX XXXX Therefore this account XXXX  : XXXX was deleted from my XXXX & XXXX Credit Report. But is still reporting to my transunion report. They are violating my rights. Please remove this account from my credit report immediately.

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 2020-04-05
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I found my credit score had dropped over 100 points for no reason. I checked my credit score and found a collection debt for {$620.00} that is not mine. The company falsely reporting this debt is called Sequium Asset Solutions on behalf of XXXX XXXX XXXX. Please investigate these companies for making false reports to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
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:
The following account and credit inquiries listed on my Experian credit report are all fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ( 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
Consumer complaint received 2016-05-09
Company: National Enterprise Systems, Inc.
State: KY
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
National Enterprise Systems has left numerous messages on answering machine when not at home harassing telling me to urgently call back that they are trying to help me ; received call in person from them and explained I knew I was not the person they were trying to reach yet he persisted that I was and I needed to talk to him. After repeating to tell him I had no debt he said I did that I had given them the phone number I and said I had not. It was regarding a student loan I said I had no student loans etc that I was XXXX yrs old not the person He said you mean you are XXXX years old etc. I ask to speak to a manager and he discounted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have disputed the information as provided in Case number : XXXX & XXXX number : XXXX with this Credit agency several times - only to be faced with we do n't have the information necessary to reverse any information, you will have to contact XXXX XXXX. All of which leads back to a dead end of my credit report having this false debt. I have provide Experian, all the information I have to prove my claim, only for them to tell me, it is up to XXXX XXXX to correct the information. Even though the information I have provide shows CLEAR inaccuracy - the agents i have spoke have repeatedly sent the same information back to XXXX XXXX for verification, only for XXXX XXXX to reply with providing blank updated information. Where is the investigation, what are the results of the investigation, What and Who said what, when and where?????

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 2015-05-27
Company: AES/PHEAA
State: OH
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I contacted this company via XXXX mail requested validation of the account, the debt and the information that they are reported to the credit bureaus which is inaccurate. I have disputed this account and the information with the credit bureaus and they reported back to me that the information is correct. I would like to know how is the information correct when I know for a fact that it is not and the company has not responded to my request to validate their claim. For XXXX, I am not in a Chapter XXXX bankruptcy and this account is currently reported as a negative account that is in bankruptcy on my credit files. This account was opened in XXXX, in which it is to old to be on my account, especially with negative in accurate information being reported. They never gave me a chance to dispute their claim as well, especially with it being negative information. All of my loans are consolidated with another lender and they are up to date and current, it 's not fair that these accounts are listed as negative on my credit file with inaccurate information in which the company can not and or refuse to validate with competent information. I would also like to know what type of evidence or validation the credit bureaus received in their investigation that verifies that their claim is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: SUNTRUST BANKS, INC.
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
An inquiry for SunTrust Bank appeared on my XXXX credit report, an inquiry I did not authorize. This occurred while there was an active fraud flag on my account. 

I began by filing a dispute with XXXX, but the inquiry remained. 

I then wrote a letter to SunTrust and asked that they remove the inquiry, but it remained. 

I then filed a XXXX complaint on SunTrust. In response, SunTrust sent a letter stating that the information submitted on the application matches my contact information. That is not responsive - if someone is using my identification to fraudulently obtain credit, they are, by definition, going to use my information. 

SunTrust has declined to remove the inquiry, and that is unfair and inappropriate.

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 2021-09-28
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The first date of nonpayment on this account was in XX/XX/XXXX. As of writing this it is XX/XX/XXXX. The original creditor was XXXX. The account was then sold to XXXX XXXX  who was the second creditor. XXXX XXXX then sold the account to XXXX XXXX XXXX who is now the third creditor. The account is a collection and is now in the hands of a third creditor who is strictly a debt collector. The account is reported as " Open '' which is inaccurate and should be updated to " closed '' or removed immediately. There is no credit being extended by XXXX XXXXXXXX XXXX nor was any extended by XXXX XXXX There is no active loan and no payments are being made and there has been no settlement made. At this time the account is inactive and should be listed as " closed '' yet there is a collection for {$1200.00} on my credit report listed as an " open '' account. 

I contacted XXXX experian, and XXXX regarding this matter and asked them to change the account to " closed ''. They have stated that they are in FCRA compliance. I do not believe this to be compliant. The account is certainly inactive and closed. 

Is this FCRA compliant? If so why is the account not closed and when is an account in collections considered closed? If this is not FCRA compliant can you please compel XXXX experian, and XXXX to remove this account or update it to " closed ''. 

Additionally the original creditor is listed as " XXXX XXXX  ''. They are not the original creditor. The original creditor is " XXXX ''. 

Thank you

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 2015-06-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In 2006, I was hit with a massive Identity Theft. Someone put amillion dollar home on my credit - then the person changed myaddress to theirs and thus received all my identity and preapproved credit offers. I filed a police report with XXXX XXXX XXXX and they sent me to the District Attorney in XXXX XXXX - The DA stated this is just the tip of theiceberg - it happened just when the housing marking wasslowly collapsing and I really got hit. 
I immediately notified XXXX XXXX and Experian.I placed a fraud alert on my credit bureaus and it took mea full year on the phone with DA and Police to clear my nameand prove I was who I said I was. I sent Identity Theft infoto all the accounts - seems they opened several accountsthru mail - most of the people were nice, but not XXXX, XXXX and XXXX - I told XXXX it was an identity theft -they told me they did not believe me, even with legal notice -they also said they would put a lien on me unless I paid the {$5000.00}. Sure enough, XXXX placed a lien on me - andmy credit plummeted. I called XXXX and asked them whenmy court date was and explained I wanted to speak to theJudge to explain my circumstances and clear the lien -Chase did not respond - in the meantime I notified allXXXX credit reporting agencies again - sent written letterscalled and nothing happened. I believe it is because itwas right at the time the XXXX Market collapsed and theywere overwhelmed. 
In any event, every XXXX of the late accounts and lienare still on my credit reports - I called the XXXXCourt House to try and get the liens removed, theytold me to go back to XXXX and XXXX - of course noresponse. I was denied a new lease with XXXX XXXXbecause of my credit and I am presently paying 19 % XXXX car loan x 3 yrs - I am trying to get a fixed Mortgagefrom XXXX and I can not even get information due tomy Credit History. Most of the Deliquency accountsare at least 10 years old - I have faxed, called, got mad at all agencies but no one cares. 
I just want my stellar credit back - my car ins. back to normal ourates, my car pmt back to normal interest and my Mortgageback to a fixed rate. 
Can you give me some suggestions? 
I have all paperwork and faxes but I am not too gooduploading. I can send in mail if needed. 

Thank you for your helpI

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-19
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
experian is a joke they r supoose to help us make our credit better and then all this XXXX goes on! I have XXXX potentaly neg items on my report and under the fair credit reporting act they are not suppose to be there. they need to be deleted and done with. this is my life they r messing up and no one wants to help. this is why i am here at your site! under the fair credit reporting act collection companies have no business posting in the credit reporting agencies as you had a agreement with the credit card company/utilty company not with a third party. i desputief items and nothing even when thier findings were in my favor this XXXX is left to sit here and nothong is done!

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 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have been trying to contact Transunion since XX/XX/2021 about a few inaccurate accounts reflecting on my report. They have been ignoring my request to verify and delete the inaccurate information they are reporting causes me great distress. I have not received any correspondence about my concerns.

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 2022-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX Capital One Bank ( USA ) N.A. filed a claim in XXXX XXXX court. On XXXX I was severed a court summons about an alleged debt in the amount of {$2600.00}. This account is closed and has been charged off. Capital One didn't send me a 1099c which is taxable income per the IRS. It's a violation and tax fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: ADIR INTERNATIONAL LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2021 @ XXXX XXXX  ( PST ) I the natural person/consumer spoke with a customer service representative who identified herself as an employee representing the entity operating as a debt collector that goes by the name " XXXX XXXX XXXX dba XXXX '' I demanded on this date that this company cease all communication in regards to this alleged debt UNTIL the company was able to provide me with legal notarized validation of this alleged debt. The representative agreed and the call was ended. Please note that these calls are " monitored and recorded. '' I have attached a screenshot of my call log from my XXXX from the date XX/XX/2021 that shows one of this companies MANY phone numbers they use to harass me, along with a screenshot of the excessive amount of harrassing and offensive voicemails left by " XXXX '' and lastly I have attached a screenshot of the email that was sent to me today XX/XX/2021 @ XXXX ( PST ) exactly two days after I declared a cease in communication in regards to this alleged debt. Please note that at the bottom of this email screenshot the company has written " This is an attempt to collect a debt by the original creditor, and any information obtained could be used for that purpose '' which is a clear violation of federal laws under USC title 15 chapter 41, subchapter 5 " Fair Debt Collections Practices Act. '' The purpose of this act is found under 1692. Congressional findings and declaration of purpose ( a ), ( d ), ( e ) Below I have referenced 24 federal violations brought forth onto me who is in fact, the Natural person/ consumer and the original creditor.

1692b. Acquisition of location information ( 1 ), ( 2 ), ( 3 ), ( 4 ), ( 5 ) 1692c. Communication in connection with debt collection ( a ), ( 1 ), ( 3 ) 1692d. Harassment or abuse ( 2 ), ( 5 ), ( 6 ) 1692e. False or misleading representation ( 8 ), ( 10 ) 1692f. Unfair practices ( 1 ) 1692g. Validation of debts ( a ), ( 1 ), ( 2 ), ( 3 ), ( 4 ), ( 5 ), ( b ), ( c ) 1692h. Multiple debts ( any payments made to this alleged debt, I am demanding to be returned back to me the natural person, consumer who is the original creditor ) 1692j. Furnishing certain deceptive forms ( a ), ( b )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I submit a request through annualcreditreport.com, but Experian will never provide it. Instead I am asked to mail identification and a copy of a utility bill. This is a nuisance. Experian should provide the report to me free and online, as the other XXXX agencies never have a problem doing this through annualcreditreport.com. This happens every year with Experian.

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 2016-02-11
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I applied for a credit card on Chase.com on XXXX XXXX and was approved soon after. I did not use the card anywhere, as I was waiting to receive it in the mail. I received the card about 10 days later, however, a fraudulent charge of {$5000.00} was attempted on the card on XXXX XXXX. Considering I never used the card and it was not lost, it seems to me that the information was breached during the chase application process. I tried to contact Chase, but was not able to get anyone to understand my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: BARCLAYS BANK DELAWARE
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
This summer my card number was stolen. XXXX fraudulent charges were made before it was detected. I told the card company that I had not made any of those charges and they closed the card. 

Only XXXX of the charges were reversed. XXXX has remained on there despite me calling to file complaints at least XXXX times and also submitting online fraud form XXXX other times. Finally it was dropped off after all of that activity. 

Today I received a letter that they had completed their investigation and found that the activity is valid. Now they are rebilling the charge THAT I DID NOT MAKE again. The card was not physically present since I had it in my possession. And it was consistent with the other charges made that were reversed.

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 2021-09-28
Company: DISCOVER BANK
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On JulyXX/XX/2021, I pulled my credit report from XXXX and immediately discovered that my identity was compromised. I filed a police report, an identity theft report, dispute with the credit bureaus, and sent letters to all of the creditors. 

All of the creditors in question removed the fraudulent accounts except for Discover Bank. They are refusing to acknowledge that I am a victim of identity theft. All of the accounts were opened when I was a minor child, approximately XXXX years old. Discover Bank was sent numerous documents validating my age at the time they claimed the account was opened yet they refuse to acknowledge the documents and refuse to remove this account from my credit file.

Company response to consumer: Closed with non-monetary relief