BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-03
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Student loans being reported by XXXX XXXX, XXXX, XXXX and XXXX. All the same loans on my credit report, so that XXXX loan appears 4 times as derogatory. This is violation of Fair Credit Reporting Laws. Loans have been forgiven under XXXX provision. 

I went to XXXX University and XXXX XXXX XXXX XXXX XXXX in Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
AES is reporting 120 days late remarks on my credit report for XXXX accounts AES/XXXX and AES/XXXX. I completed a student loan rehabilitation program years ago and paid loans on time monthly as soon as I became employed ( I lost my job and defaulted on loans prior to rehabilitation ) in any event i was told after XXXX mos of on time that loan would be out of default and derogatory lates will not be reported and I made actually more than XXXX months because AES was paid in full as I consolidated with myfedloan servicing because I 'm now a fed employee. The accounts are still reporting derogatory 120 days late yet AES /pheaa is showin current closed and paid AES/XXXX and AES/XXXX accounts need to stop reporting old late payments as promised and they defaulted before statute of limitations and should be removed from repeats

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Payoff payment was incorrectly applied to multiple loans rather than being applied to a single loan for payoff. I contacted AES about the incorrect payment application and they responded that it would take 7-10 days to correct the misapplied payment. After 10 days the payment was still not correctly applied and the loan, which should have been closed at this point, was still open with a balance and continued reflecting on my cosigner 's credit report and my credit report. This was after multiple phone calls during the 10 day period in which they assured me the payment would be properly applied. On my most recent call the original representative would not transfer me to a supervisor. After being transferred to another representative and waiting, I was finally transferred to a supervisor. The supervisor informed me that it was not possible for them to immediately apply the payment. AES was not able to correct the misapplied payment and the loan is still showing as outstanding, affecting both mine and my cosigner 's credit report and score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including 2 bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$0.00} XXXX XXXX XXXX {$280.00} XXXX XXXX   XXXX {$1700.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXXXXXX {$0.00}

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 2015-12-27
Company: AES/PHEAA
State: FL
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 been battling with AES since XX/XX/XXXX. I informed them that due to the lack of hours at my current employer, I could no longer afford to pay {$710.00} per month and I was currently in the process of obtaining a XXXX job. I even offered an amount of roughly half the monthly amount ( which would be extremely pushing my monthly budget ). Most recently I have sent multiple letters to AES and their XXXX party collection group XXXX XXXX, requesting that they send the original copies of all documents proving that this " debt '' is valid. The only responces I have received from AES is the current balances on each of the individual XXXX loans. AES continues to harrass myself and the co-signer which happens to be my retired father. I have tried working out a reasonable solution with AES which they refuse to budge because it is considered " private student loan ''. Per their records, I have paid {$34000.00} ( {$23000.00} in interest, {$10000.00} in principle and {$10.00} in late fees ) since I have been in repayment. How is that possible when the original amount on these alleged loans is {$62000.00} but the current balance is {$81000.00}? AES yet again fails to provide any copies of documentation from the years XX/XX/XXXX-XX/XX/XXXX that shows any signatures from myself and/or co-signer validating the alleged XXXX loans. However, they continue to send emails stating pay now or your credit rating will be affected or place calls to my contact number on Saturdays and Sundays when their office is closed ( business hours are XXXX XXXX through XXXX XXXX Monday through Friday EST, per their emails/letters ). At this point I am considering filing Bankruptcy due to the lack of relief from the alleged loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: MO
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 - Right to privacy 15 U.S.C 1681 section 604 A - states a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C 1692K - XXXX XXXX XXXX XXXXXXXX - XXXX - This account is reporting illegally and improperly XXXX XXXX XXXX - XXXX - Account should have never been reported to my credit XXXX XXXX - XXXX - Never provided written consent to report XXXX XXXX - XXXX - Reporting illegally, Review and delete ASAP. 

I just can't believe how you guys are verifying inaccurate and improper information, this has caused me so much stress.

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 2016-03-04
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My bank has been changing the order transactions come in so that they are able to charge additional overdraft fees. I have a branch manager that has been helping me to credit each time but this is now the XXXX overdraft fee they attempted to charge. A recent example is I had my direct deposit go through this morning and the rent check that was deposited yesterday after business showed that it came in before the direct deposit and a {$36.00} fee was charged. 

I do n't keep a lot of funds in this checking account as there is no interest for having it there. Therefore ; I monitored my accounts daily and as of XXXX yesterday ; they account had {$300.00} available. The next morning I looked and noticed they jumped the rent check XXXX-XXXX transactions down along with the overdraft fee. This has been happening a lot more recently and needs to be investigated.

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 2020-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/20, my boyfriend and I get scammed by 2 people who claimed to be hiring us as front desk attendants and we were to start Monday and they asked me to XXXX them {$300.00} for our uniforms, and said we would be reimbursed in our first paycheck. I was not really familiar with XXXX, so the girl involved with the scam asked for my phone and input her account information, and the amount to send to her own account. As soon as I got home we researched the company to find out it did not exist. I call Bank of America right away to report the scam and see if they could stop the payment. I spoke to the department that handles these types of issues. They informed me that the scammers also had a Bank of America account but there was nothing they could do about it. I asked since it was the same bank if they could put a hold on it and they said no. After just being scammed by strangers, I was very disappointed to learn, as a long term loyal customer, they would not help me at all. They seemed very uninterested in my incident.

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 2016-09-20
Company: U.S. BANCORP
State: WA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I 've had a Fidelity Investment Reward XXXX XXXX card for several years. XXXX XXXX XXXX was the issuer. When I got the card I set autopay to pay the balance in full each month. This worked perfectly for many years. 

Recently Elan Financial Services acquired the Fidelity line of business. They cancelled my old XXXX XXXX card and issued a new XXXX, which I did n't receive until XXXX due to travel. 

But in XXXX, during the transition, an automatic charge was processed through XXXX. Before the automatic payment was made, the account was converted to XXXX and Elan cancelled existing automatic payments. 

Today I received a phone call saying my account was more than 30 days delinquent. This is the first notification that I owed Elan ANY money. I immediately made payment in full, but Elan had already assessed penalties, interest, and notified the credit bureaus. 

My autopay should have been applied before Elan took over the account, the autopay setup should have continues, or, at minimum, Elan should have notified me within days of missing a payment rather than waiting for more than a month to pass. 

How is it reasonable that I owe late fees, interest, and suffer a derogatory mark on my credit score when I 've never even used an Elan product? That 's right ... I 've never charged anything to their 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 2022-04-14
Company: Experian Information Solutions Inc.
State: NC
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 need help with a dispute that I sent on XX/XX/2022 regarding some inaccurate things on my credit report. It has been almost 30 days and I have not received a response. This makes me feel like I am being ignored by the bureaus. This has caused me a lot of stress and I am asking that these items be removed from my credit report. My information was also impacted by the XXXX data breach and may have gotten 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 2020-04-01
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage through Suntrust ( now owned by Truist ). I've attached the pdf of Truist offer to " help '' to those people who need assistance due to the Covid-19 pandemic.

On the above mentioned pdf, Suntrust mortgagees are given one phone number to call in order to speak to someone directly about our specific situation and needs. However, each time I call, I am placed on hold for hours at a time with no one ever answering. In fact, I was just " disconnected '' after almost 4 hours of waiting.

There is no online way of connecting with them, and when I call other Suntrust numbers ( ie Client Services ), as soon as I get hold of a live person and say I need mortgage relief due to Covid-19, I get transferred back to that one same number that I have already been calling.

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 2015-06-09
Company: TRANSWORLD SYSTEMS INC
State: MO
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:
A company that goes by the name of Transworld Systems Inc. has been calling me repeatedly for the past two months, usually XXXX a day. I only answered the call XXXX and the representative I spoke with was attempting to collect an alleged debt owed to XXXX XXXX. I refused to give them any personal information and contacted XXXX directly. As I suspected, I owed no balance to XXXX XXXX never have ) and was not on any " do not rent '' lists. The representative I spoke with at XXXX was concerned because they said they have received multiple calls from other customers who were made to believe they owed a debt that they did not owe. I am concerned because I did rent a car from XXXX last year, so I am lead to believe that somehow Transworld has hacked XXXX system to get names of renters or obtained personal information about me from XXXX somehow.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have had an American Express card for over twenty years and recently received a letter from them stating that Federal Guidelines require a physical address for my account and if I do not provide one within two weeks my account will be closed. Is this correct and legal? I use a US Post Office box for all my bills and have had no problems. I am a XXXX and work and live on XXXX hence no physical address. When I am off for a period of time, I generally short term rent and store my few belongings in a storage unit. I can not be the only one with this lifestyle. Ii know many people who live year round in RVs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: CITIBANK, N.A.
State: ME
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Refer to previous complaint XXXX Once again today XX/XX/XXXX I am not able to access my account to make early payment. The same issue occurs : Go to sign in ... signs in.

Then displays message " We are having trouble reaching you, please provide email '' Enter email ( that I get correspondences for them OK now ) Error message : " That email address is not valid, please enter a valid email address '' Email has never changed, we seem to have this problem when trying to pay more than one payment a month. They are prohibiting me from paying off my card and lower interest charged.

Hit or miss on access, but I always have to enter email due to " unable to reach you '' stuff ( every sign on ). Sometimes it works.

Today the access is denied. I have a 27 min wait time currently ( on hold waiting ) to pay by phone. I have to return to work, unable to pay bill.

Please assist.

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 2016-03-26
Company: ERC
State: MO
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:
This debt is from XXXX XXXX and does not belong to me. This debt has previously been deleted from my credit report from another collection agency due to not being my debt. My dissolution of marriage ( MO case number XXXX ) states that my ex wife is now responsible for this debt and not me.

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 2020-04-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Chase has to be violating a law or two and I am bored by these complaints I am having to spend my time on. 
Issue : Letter received from Chase, dated XX/XX/20 - inaccurate and unauthorized. I did not ask them ( Overdraft Collections dept ) to review this account since it is paid in full, closed and the amount cited is incorrect/not owed. 
Please see attached pdf of my contact log with Chase, I only speak with the Executive Office ( XXXX on this particular day ) now since they are supposed to be able to resolve issues at a higher level, as proof that I did not ask assistance from overdraft collection dept ... last conversation I had with them was, per my log was : XX/XX/20 Called spoke XXXX They still can not locate the status on this $ 200they claim they are still researching it, XXXX. Asked to speak with a supervisor ( she was unavailable, but I insisted ) XXXX, XXXX. Was on the phone with them for 55 mins to find out no further work on their part has been done to rectify and they hung up on me. 
Filed FTC complaint and CFPB ( Consumer Financial Protection Bureau ) complaint ID - XXXX. 

Debt not owed - paid in full. This account is settled and paid as agreed by me in cash at my local branch, please see attached pdf " XXXX account issues '' for that proof. It was paid XX/XX/20, see receipt. 

I have had several conversations with the Executive Office to resolve the issues and be reimbursed/correct for the errors Chase has caused, however, I am still lacking resolution to my original complaint. Of my four complaints ... only one, for {$27.00}, was credited appropriately. 

I am unsure who is continuing this garbage and honestly I do not care, but they need to be stopped and reimburse me what is mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-10
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
In the matter of : XXXX XXXX XXXX Chapter XXXX Bankruptcy Case No. XXXX Discharge Date : XXXX XXXX, 2014 After reviewing my credit report I have found information, which needs corrected. ERC is illegally reporting a collection on my credit report due to the account being discharged in my Chapter XXXX bankruptcy. Following the laws of the FCRA it is unlawful for the account to show a derogatory status on my report. I am also enclosing a copy of my discharge of debtor form following completion of my Chapter XXXX bankruptcy, discharged on XXXX XXXX, 2014. 

The account ERC is illegally attempting to collect on is as follows : XXXX XXXX XXXX. XXXX XXXX, IL XXXX Amount of dispute - {$240.00} Reference # XXXX Collection attempts on a discharged debt is a violation of the FCRA and a violation of the permanent injunction of my discharge. I am requesting that the item be deleted to correct the information. Thank you for your assistance with this matter. 
Here is the contact information for my bankruptcy lawyer XXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Arizona XXXX XXXX : XXXX Fax : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-02-22
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Issue: Delinquent account

Complaint:
Chase charged off my account with them in XXXX. I have received numerous collection letters from different collection agencies since then. The have reported the account 90 days past due each and every month even after they charged if off continuing to hurt my credit. I paid the account in full XXXX. They say it was an accurate account history of 90 days late each month although they sold the account to a collections agency and it was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TIDEWATER FINANCE COMPANY, INC.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Well I have had car for 2 years financed it out at XXXX at about XXXX dollars it is showing I still owe XXXX XXXX dollars payment is XXXX dollars a month on top of that I sent them a check from the insurance for about XXXX dollars with a letter stating that it was to go to principal and it still has yet to reflect because payoff is still showing XXXX and then some this is insane and to top it off they reported to all three Credit bureaus that it was in my bankruptcy when in fact I purchased it after I closed on it!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: Nelnet, Inc.
State: VT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have a civil rights legal dispute with my school. The Federal Office of Civil Rights at the Department of Education is evaluating if I was discriminated or not. I complained because I consider I was dismissed under pressure by the school. I refuse to sign any document that allow them to say I was accepting that dismissal decision. The student loan management company, NELNET, is asking me for initiate the payments. I said to NELNET that I can not star to pay my student loan because I am consider myself still as student and I am waiting the decision by the Civil Rights Office at the Department of Education. But the loan management company NELNET continue flooding my mail and email with letters and threats. That is why I am complaining at the CFPB against NELnet.

Company response to consumer: Closed with explanation