BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Over the years I have disputed the way the Department of Education has been reporting my information. 
Loans taken out in XX/XX/XXXX, -XX/XX/XXXXwith 36mo terms would have either become delinquent in first year or been paid in full by XX/XX/XXXXor aged off credit report in 7yrs of first delinquency. 
They are reporting first delinquency in XX/XX/XXXXas a means to keep on my report an additional 7yrs. They waited till the last moment to maximize the damage to my credit. 
Passing loans also does not make it a new loan or debt. Because multiple servicers have passed much of the information can not be verified. Loans taken out in XX/XX/XXXX-XX/XX/XXXXwere sent to XXXX XXXX borrowers. XXXX XXXX has informed me they do not have record of who had loans prior or information about payment history. How is it possible to enforce this debt when chain of custody of these loans can not be verified? 
Both XXXX XXXX and Department of Education are reporting one loan in 3 ways. The department of education has split it in 2 and reporting as separate loans. 
They also claim I took out nearly 100k in student loans. I went to XXXX  college not an XXXX XXXX XXXX to be a XXXX. What lender would give a young adult XXXX to go to XXXX   college? A lender would not give a buyer 3 times a car value for purchase. It is not reasonable to believe I received this much. Both the lenders and schools have been unable or unwilling to show evidence I actually received any disbursements. I am unsure if my signature was used to falsely obtain loans I did not recieve or if signatures were forged. 
Each time I have disputed with credit bureaus or directly no changes are made except to increase balance. Even the number of loans they are reporting is inaccurate. According to the nslds.ed.gov website there are 11 loans yet reporting 15 on transunion. Confirmed not another servicer. I believe there are duplicates. I have also requested proof of signatures and certification of debt. The only response I have received is a copy of master promissory note with an electronic signature. Not one hand signature to prove loans received. Master promissory note does not give dates, amounts, disbursements, interest rates or any financial information whatsoever. Truth in lending act states they are required to be forthcoming with this information. 
I want this information removed from my credit report as it has adversely affected my life and even cost me a job offer.

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 2020-06-14
Company: DISCOVER BANK
State: NY
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: Billing dispute for services

Complaint:
I OPENED AN ACCOUNT WITH DISCOVER CREDIT CARD AROUND XX/XX/2020. I REQUESTED A BALANCE TRANSFER OF {$8700.00} TO MY CHECKING ACCOUNT AT XXXX. DUE TO THEIR TYPO ERROR, THEY TRANSFERRED THE BALANCE TO ANOTHER ACCOUNT. I CALLED THEM TWICE ON XX/XX/XXXX AND XXXX TO RESOLVED THIS ISSUE AND THEY HASN'T PUT THE DISPUTE UP TODAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-14
Company: Experian Information Solutions 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:
I fell behind in making payments to Citi Cards. We negotiated a mutually acceptable payment plan in which they will auto draft an amount every month from my checking account. The account is closed and the monthly payments will pay off the balance in full. 

Their records continue to show the old minimum amount due, which is not correct. The old minimum amount due is a higher amount than the amount that will actually be deducted from my account. The minimum amount due should be the same amount that will be deducted from my bank account, not some higher amount that will continue to show as past due. 

They have indicated they can not change the original minimum amount due, even though there now is a new minimum amount due, which they will be auto drafting from my bank account. They say they will be reporting the old minimum amount due as " past due '' every month to the credit bureaus. 

They should not be further damaging my credit standing by continuing to report the old minimum payment amount as past due, when they have agreed to a payment plan that will pay off the balance in full.

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 2015-10-13
Company: Dream Center Education Holdings
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
I attended The XXXX XXXX from XXXX. I was promised enough student loans to complete XXXX and the ability to transfer my credits if necessary. After using approximately {$40000.00} in loansI was informed that my program had been cancelled. Not wanting to enroll in any other programs offered I decided to transfer. To my dismay I discovered that only a few of my credits would transfer and I had to start over again. The federal government has sued XXXX, the parent company for just such fraudulent behavior. XXXX has instructed the school to return XXXX XXXX dollars to it 's students and XXXX has a class action suit in progress. Can you help me recover some of my losses?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XX/XX/2022 I was out shopping in XXXX XXXX XXXX near my home in XXXX XXXX  I then proceeded to fund my chime debt card with {$100.00} so I can pay upcoming bill but later that day I received notifications that card was used so I called chime as soon as I saw the notification on XX/XX/XXXX they said that I can not file dispute because the transaction need to be posted to I saw it was posted on the XXXX so I called them back and filed dispute I was then notified in less than XXXX hours that my claim was denied when I contacted they said I need supporting documents so I send my location history from my XXXX  XXXX account then still my claim was denied saying that isn't snuff I then sent my other banks account statement that I used to pay for the XXXX and in XXXX but was still denied saying that they came up with there answer because my pin was not changed { but pin was not used in transactions } and I funded my account prior too the charges, how is that more proof than what I have submitted, I heard by a ex employee that chime does that to certain XXXX and keeps the funds for themself, please help this is not right I will provide email that chime sent and I will provide the information I povided to them there are multiple more XXXX I found who has had similar cases or the same cases please look into chime there are scammers I messaged the ceo and XXXX and none of them care to respond, this situation needs a class action lawsuit and that's my next step if I don't get this issue resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: EQUIFAX, INC.
State: AL
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 am XXXX XXXX XXXX XXXX and I submitted this claim myself and no third party involved. I XXXX XXXX XXXX XXXX, Natural Person and creditor. I submitted A FTC identity theft report to remove this fraudulent account XXXX. They received the FTC and told me it will be off on 24-72hrs. But I checked my credit report. Seven 30 days later and it is still on my report. According the Fair Credit Reporting Act 15 U.S.C 1681 Section 602. A block was suppose to happen within 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
Transunion Credit Monitoring, shows two accounts that have been paid off since XX/XX/2019 still open and are in a derogatory condition which is not accurate, with collection agency XXXX XXXX, I have documents that follows this complaint showing that I Paid off the two accounts one is with the original creditor XXXX XXXX {$2500.00} and the other original creditor is XXXX XXXX XXXX  of {$460.00}.

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 2022-07-21
Company: EQUIFAX, 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:
XXXX XXXX XXXX a derogatory auto loan and is reporting the first date of delinquency incorrectly as well as not reporting the complete payment history and codes for the months. The auto loan was first delinquent in XX/XX/XXXX. They are reporting the first date of delinquency in XXXX, thus extending the length of time this item will remain in my credit file. I have tried several times to get this information corrected. However, they continue to supply the incorrect information to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
Company: United Collection Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
United Collection Bureau has been calling my husband. He told there they need to speak to me his wife. He gave me the phone number which it is on my phone. I took a picture of it. The day I call was XXXX at XXXX pm the phone number is XXXX. When the man answer I could nit understand him. I kept asking the name of the company. I could not under stand him. I told him my husband gave me this phone number to call. He told me he doesn't have a file. I told him I need someone to speak XXXX. The man hung up on me. I thought may be my husband gave me the wrong phone number. It was one there web site. 
My talk XXXX and she there no record of me calling in. But I took of picture and saved to my phone. 
They call my XXXX  on XXXX and he told me to call ask for XXXX at XXXX. I talk to XXXX she said what is my phone I told you. She said she would call me back in XXXX minutes. She never call me back. The account number is XXXX. My husbands name is XXXX XXXX and my name is XXXX XXXX. Please let me know. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15
Company: TRANSWORLD SYSTEMS INC
State: TX
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:
I enrolled at XXXX XXXX XXXX on XX/XX/2016 in the XXXX program. 5 weeks later, on XX/XX/2016, the school closed permanently without notice. A letter was posted on the school 's website informing all students and staff that the school had closed. When I enrolled, I had to get a private loan, from the school, that they are saying I am now responsible for, even though I never even finished one term. I never received one credit from the school, as we were still 3 weeks, from finals. When I contacted the loan company, they said there was nothing they could do and the loan had to be paid back because they gave the funds to the school. When asked should n't the funds been sent to me and I sign the check over to the school, I was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
I prepaid for XXXX hotel rooms on XX/XX/XXXX XXXX XXXX for me and XXXX for my parents ) on AmEx travel using my AmEx credit card. When we were checking out on XX/XX/XXXX, the NH XXXX hotel claimed that it was not prepaid so we paid again since the confirmation was n't clear cut that the rooms were prepaid. I disputed the charge. My parents were refunded on XX/XX/XXXX but it 's been over 2 months and I still have not been refunded. The hotel actually charged my credit card on XX/XX/XXXX and then promptly refunded that charge, but I have not been refunded the charge on XX/XX/XXXX. AmEx Travel and AmEx credit card have been completely incompetent. I have called several times and have been told that there are no disputes open even though I 've received confirmations that I opened a dispute. This is incredibly frustrating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-21
Company: Experian Information Solutions 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:
XXXX XXXX re-aged a derogatory auto loan and is reporting the first date of delinquency incorrectly as well as not reporting the complete payment history and codes for the months. The auto loan was first delinquent in XX/XX/XXXX. They are reporting the first date of delinquency in XXXX, thus extending the length of time this item will remain in my credit file. I have tried several times to get this information corrected. However, they continue to supply the incorrect information to the credit bureaus.

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 2022-02-19
Company: CAINE & WEINER COMPANY, INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: Michael G. Niles
State: PA
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:
They need to stop collection on a debt from a XXXX XXXX in which have no clue what it is! Its not even the right name!

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 2016-06-18
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a " Paid Collections '' account on my credit report that has an original creditor delinquency date of 2007. I contacted Midland Funding LLC. and asked them to provided me with the original delinquency date so they can remove the " Paid Collections '' from my credit report because it 's been over seven-years since the original creditor reported delinquency. Federal law requires that collection agencies " Midland Funding '' report the original delinquency date from the original account. Because the original delinquency date does not change, the seven-year time frame does not start over when an account is sold or transferred to another lender or collection agency. I have contacted XXXX XXXX Division Manager of Midland Funding LLC through phone calls and certified mail. They only provided me with the date the account was sold to them. I still have no confirmation from Midland Funding LLC about the original delinquency date and they have not removed my " Paid Collections '' which is severely effecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Experian Information Solutions Inc.
State: MD
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:
EXPERION has been committing fraud by generating information that has no source. And manipulating the credit score factors. To decrease the scores of many consumers and not only myself. Can someone fix or investigate The coding of the score factors? Ive made over 4000 attempts in between XXXX and XXXX to have this corrected. And rather than remove the incorrect information, Experion repeatedly replace it with ( information that are positive and presenting them saying that theyre negative reports ) on my file for example, paying 37 % of my loan, on time and never being late. Experion has this as something bad to do. as in something that should decrease someone score?. Number 2 Experion is showing 2 years and 6 months as my age of credit. But if you would use the formula for calculating averages, you would see three years and nine months, XXXX rules say that minimum for age of credit is 6 months. Thats the only time that the words age of credit is too short would be used. Experion is posting 2 years as being too short. As is shown in the attachment Which I have placed in order. From my first attempt to the present. Im asking for an explanation for each one of the 10 attachments. the law in the state of Maryland grants me, The right to request the name of the individual Who is tasked with correcting my credit file. And the fair credit report act Also grants me {$10000.00} per every 28 days that the credit bureaus incorrect reports affect my life negatively. This law I will be pursuing with a lawyer. Because enough is enough. I will be showing this letter to my attorney general of Maryland and to every media outlet in the D.M.V.

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 2016-08-29
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Rewards

Complaint:
I signed up for the American Express XXXX card with a bonus of XXXX membership rewards points after meeting the minimum spend. I met the minimum spend and was given the XXXX points. Three months later Amex took the points back. When I called I was told it was due to " returned products. '' There were never any returned products. The CSR agreed with me and told me they would open a case and I would hear back within XXXX5 business days. I never heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a loan opened XXXX XXXX with Beneficial for the property located at XXXX XXXX XXXX XXXX. The house was sold and the loan paid off IN FULL XXXX, XXXX. I have copies of closing title documents to support this. For unknown reasons, Household Finance Co ( FKA Beneficial ) posted the EXACT SAME LOAN amount and are showing it as current for an unsupported balance of {$62000.00}. They first posted this to my credit reports XXXX, XXXX, a full 7 years since the sale and payoff dates. Because of this, I can not obtain a new mortgage loan. When I contacted HFC, they could not explain to me how they arrived at this number, nor why they are showing it as " current '' though XXXX payments have been made to them towards this allegedly owed amount. I think they are listing it as CURRENT in an attempt to toll the 6 year statute of limitations in the State of Oregon to seek legal remedy for an implied breach of contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is a recurring problem with the bank I have the credit card connected to, Comenity Capital Bank XXXX XXXX XXXX XXXX Card. I keep getting late fees every time I pay after XXXXXXXX XXXX, and the company refuses to cancel the fees, although the payment is still done the day it is due. 

I live on the Eastern coast of the U.S., in XXXX XXXX XXXXXXXX, and I am still at work or commuting by the time the payment is due. Further, this bank has changed the due time about two years ago, in XXXX or XXXX, making it harder for me to submit the payments during their required time -the due time used to be by XXXXXXXX XXXX While the due time was later in the evening, I hardly missed a payment. 

Lastly, I have been charged late fees on XX/XX/XXXX in the amount of {$37.00} on this credit card and on another card, a XXXX XXXX XXXX that I have from the same bank, Comenity Capital Bank. Paying {$72.00} in fees only for this bank is too much for someone me, since I am paid by hour. I would like to have both fees credited. I would also like the bank to switch back to the old due time that was by XXXXXXXX XXXX on the due days. 

Thank you.

Company response to consumer: Closed with explanation