BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-06
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I took out 6 different student loans with XXXX XXXX XXXX XXXX while I was in graduate school from XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX These private student loans were taken out as direct consumer student loans, not certified by the school, and they were in excess of the federal student loans awarded to me by the school. After completing the XXXX XXXX program, I was gainfully employed and made good faith payments toward the 6 different private student loans ( serviced by AES ) from approximately XXXX through approximately XXXX. During that time period, I was laid off from my job in XXXX but still continued to make the payments for each loan. I contacted the servicer and tried to make arrangements to defer payments or lower the payments while I remained unemployed. The servicer denied my requests despite explaining my current financial situation. I was told private student loans do not have deferment plans or income-based repayment plans like federal student loans. By XXXX I had to sell my home just to continue making the loan payments and avoid default. My unemployment status had not changed and by XXXX, I could no longer keep up with the payments. I filed for XXXX XXXX bankruptcy in XX/XX/XXXX and the discharge was XX/XX/XXXX. I believe the private student loans should have been dischargeable under the XXXX XXXX bankruptcy order since they were Direct to Consumer loans. I am now being sued in XXXX XXXX XXXX XXXX by National Collegiate Trust for each of the 6 private student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
In regards to a beneficiary of an XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX IXXXX XXXX XXXX XXXX XXXX XXXX. All of my entitled funding sources, benefits as well as my identity have been stolen and used by unknown individuals since an unknown amount of time. Leaving me and other entitled beneficiaries in severe hardships and in need of an immediate investigation and assistance establishing a stable lifestyle entitled to per trust documents court order. 
I have made reports, filed complaints, etc. with no response or assistance from anyone. 
Please contact me at XXXX for more details or answers to any questions you may have,

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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 credit report is showing late payments to XXXX BANK XXXX, DEPT OF EDXXXX XXXX, and XXXX XXXX XXXXXXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX Furnishers ] customer service representative.

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 2023-09-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/2023 I called Portfolio Recovery Associates and requested they verify a debt that is currently in collections. I asked that they send me information that shows I owe the debt but did not receive anything from them. I did a follow up with them in XX/XX/2023 but was informed that they had nothing they could send me to verify the debt. Before I could ask them to stop the collection on the debt until they send me verifying information the rep hung up in my face. Ive tried numerous times to get information regarding this debt and the validity of it but its been to no avail. I also contacted all 3 credit reporting agencies to dispute the debt, XXXX removed the information from my credit report but XXXX and XXXX have yet to do so. They even have reporting errors on file such as date opened and date last active that they have failed to update since XXXX of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX  XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX  XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$34000.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX. XXXX XXXX  XXXX XXXX ) XXXX Balance : {$59.00} XXXX XXXX XXXX  ( Original Creditor : XXXX. XXXX XXXX  XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX ( Original Creditor : XXXX. XXXX XXXX XXXX XXXX ) XXXX : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: Comerica
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Scam # : ( XXXX ) XXXX Received : Monday, XX/XX/2022 @ XXXX Message : " COMERICA : A DEBT OF {$310.00} was placed on your card. To APRROVE reply 'Y ' or Cancel Here : https : XXXX/Comerica to RESOLVE. '' *I do not have any affiliations with " COMERICA '' let alone a " card '' or " debt '' concern with said Comerica*

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened the card around late XXXX ( possibly XX/XX/XXXX or XX/XX/XXXX ) with an offer of 1.5 % bonus cash back for 12 months with Chase Freedom, and they sent me an email on XX/XX/XXXX, saying that they made a mistake but will honor the reward bonus of 1.5 % up until XX/XX/XXXX, which shouldn't be the agreement. The offer that I applied for was for 12 months with a 0 % APR for 15 months. They did not honor my offer, even though I applied through the link that was referred to me. I got an email with the terms of a 1.5 % bonus for 12 months on XX/XX/XXXX, with a 0 % APR offer until XX/XX/XXXX. 
The link that I used to apply for the card was still available in XX/XX/XXXX and XX/XX/XXXX. 
Probably the worst thing about all this is that they have a promo for cash back matches for all purchases, so 5 % XXXX %, 3 % = 6 %, and 1.5 % = 3 % when I last checked. 

This is for cards ending in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Kindly ensure their swift removal and take measures to prevent such errors in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
incorrect information on my credit report

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 2023-10-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-29
Company: Experian Information Solutions Inc.
State: MI
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 account # XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  account # XXXX XXXX account # XXXX account in accordance with the Fair Creat Reporting act. The List of accounts below has vitans my recerany protected consumer rights to privacy and confidentiality under 15 USC 1681,, 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 15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-11
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I have gotten my child support on venmo. My children 's father sent me {$120.00} via venmo. They flagged me trying to transfer my balance to my XXXX debit card because I hadn't received the venmo debit card yet and needed the money immediately. We'll they asked for ID which I provided then asked for card transaction history which I submitted as a checking account statement as that is the only available statement relevant to the card and they didn't accept it and closed the account permanently. Which I don't care about at this point. HOWEVER they said they are not releasing my funds back to until 180 days if they even do then for " loss prevention purchases ''. Which does not apply considering I NEVER got to use the new venmo before the did all this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: OH
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:
Your claim form has been submitted Equifax data breach successfully Your claim number is : XXXX Supporting Documents Equifax Credit Bureau You May Print These Details And Keep A Copy For Future Reference By Clicking The Print Button. I sending a copy of the data breach form. Also XXXX forms to have all collections remove since my credit breach from Credit Angency allowed my information to get to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Trident Asset Management, L.L.C.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent letter of debt validation on XXXX. No response was given.

I have sent multiple request to the credit bureaus for the past 1 year to validate the debt and they have not presented any proof. I am also submitting a complaint on all 3 bureaus as well. 


Dates Submitted : XXXX XXXX XXXX Nothing has been done about this. 

I haven sent another one today XXXX notifying them of the complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2023 I wrote and sent two letters to Nelnet. The first letter was a Validation of XXXX letter, requesting that Nelnet send me information about the alleged debts with them. 
The second letter was a Cease & Desist letter, stating that I XXXX XXXX did not consent to having my Private Personal Information ( PPI ) shared & displayed with the three consumer reporting agencies. 
On XX/XX/XXXX, I sent a third letter to Nelnet. This letter was a Notice of Default and a Bill of Particulars.

This correspondence was to notify Nelnet that they were in violation of 15 USC 1692 ( g ), 1692 ( e ) 8, 15 USC 1681S-2, 16 CFR 660.4, 15 USC
1611, AND 15 USC 1692 ( c ) C, among others. 

In all the letters, I stated that I'd only accept communication with Nelnet by way of USPS mail, signed under perjury. 
Since sending the first set of letters, I have not received any correspondence from Nelnet via USPS. BUT they did send me an email on XX/XX/XXXX confirming that they received my letters on XX/XX/XXXX, & they'd validate my debts. I Still haven't received or heard anything from them. 

At this point, It's been over 2 months since I've heard anything from Nelnet. It's clear that they can't validate the alleged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear CFPB, I am writing to express my dissatisfaction with the way Wells Fargo has handled my disputes. They have intentionally made the process difficult and delayed resolution, ultimately resulting in transactions remaining unresolved for over 120 days, some of which have not even been submitted as disputes. 

I am providing the following claim IDs for your reference : XXXX XXXX XXXX I urge the authorities to oversee this matter and hold this bank, which is clearly neglecting consumer rights, accountable for its actions. 

Sincerely, 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 2022-09-28
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years

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 2023-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX  I called Capital One Visa regarding an upcoming invoice. On that invoice I was being charged for an item I had returned and for which Capital One had already received the funds returned by the store but after the invoice had been issued. I requested that the amount be removed from the invoice since they already had the money, something other credit card institutions do regularly. I was told it wasn't possible and that even though the amount had been returned and credited to my account, I would have to pay the invoice in full or be charged interest. A customer service supervisor who identified himself as XXXX ID # XXXX insisted that was part of the terms and conditions I had agreed to, but after being put on hold several times over nearly an hour while he searched and consulted others he admitted that there was nothing in those terms stating a credited amount could not be deducted from the bill, but that it was unwritten " policy ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these ITEMS ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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