BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-18
Company: AES/PHEAA
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have worked full time for XXXX XXXX XXXX XXXX  since XX/XX/XXXX, all of this employment has been qualified by FedLoan for PSLF/TEPSLF. My 14 loans were consolidated in XX/XX/XXXX and are Direct Loans ( Subsidized and Unsubsidized ). My servicer at the time was XXXX XXXX XXXX. In XXXX of XXXX my loans were transfered to XXXX, and in XXXX of XXXX my loans were sent to FedLoan Servicing where they remain. 
Since TEPSLF was introduced in XXXX, those XXXX XXXX XXXX payments have been " pending manual review '' with my FedLoan. I have a letter from XXXX XX/XX/XXXX acknowledging the six payments I made between XXXX and XXXX of XXXX. The {$790.00} I was paying at the time under a graduated repayment plan ( I believe ) are far more than I have ever had to pay to MyFedLoan under IBR. 
In XXXX of XXXX, my qualifying payment counts were updated, but still did not include the XXXX months of payments I made between XX/XX/XXXX and XX/XX/XXXX. I recently submitted a complaint which was closed without any explanation of the results of that complaint, or action taken to correct these errors. 

I have over well over 120 payments that are both employment and payment eligible once these corrections to my record are made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: United Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
United Collection Bureau, Incc. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Has been sending me mail for several years now. It goes like this : Creditor : XXXX XXXX XXXX XXXX ( I HAVE NEVER HAD AN ACCOUNT WITH THEM! ) Last Four Digits of Creditor Account Number : XXXX ( NEVER HAD A CC WITH THEM ) UCB, INC. Reference Number : XXXX Account Balance : {$540.00} In regard to my XXXX XXXX account. Great News! UCB acting on behalf of XXXX XXXX XXXX XXXX is offering you the following settlement offers : ( then various options follow, with {$150.00} if received by XXXX ) I've checked with XXXX XXXX and they don't know what this is about. I'm on extremely good terms with them, as they've outfitted my home with audio and TV for years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: WI
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:
XX/XX/2022 XXXX  XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: Experian Information Solutions Inc.
State: MA
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:
This is a follow up to Complaint Number XXXX. Providing additional attachments to further substantiate my compliant.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: AK
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 XXXX XXXX XXXX   XXXX Equifax shows people as having " your personal information may have been impacted '' regardless of what name or SSN was entered. This hack is either fake or being leveraged by Equifax to get people to sign up for their paid credit monitoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This complaint is regarding Countrywide Mortgage, as late as XX/XX/2022 the DOJ re-published the Countrywide Mortgage settlement information, I responded to no avail they referred me to CFPB. I am a victim of Countrywide 's unfair subprime lending practices. 
My address XXXX XXXX XXXX, XXXX, Arizona, XXXX, Acct # XXXX. I was in the process of refinancing my home with XXXX XXXX XXXX XXXXXXXX, because of the explosive adjustable interest rates. But Before my refinancing process completed, Countrywide auctioned my home off. Even though i was in the refinancing process, I didn't miss any of my Mortgage payments. 
XXXX XXXX XXXX XXXX, and I couldn't reach Countrywide Mortgage via phone. The next thing I knew, someone knocked on my door and said they owned my home. I was devastated having lost my husband to a fatal accident only months prior. About 2 months later, I received XXXX checks in the mail, they were dirty with tire prints on them. They were stamped cashed by countrywide. When i inquired about the lawsuit I was told I would hear from the attorneys/admin later, but no one ever followed up with me. I'm hoping for some type of closure. I can send supporting documents upon request. 
Thanks for your support, 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 2020-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 Have disputed XXXX XXXX XXXX three times providing documents and even going lengths to even calling about the negative account that I have no knowledge of or never opened. There has still been no resolution pertaining to the fraudulent account, I have even taken action to freezing my social security because of this infraction. I have also been through a major loss in my family resulting in the death of my sister and have not or wouldn't have been able to create an account in the area it was made in because I moved for awhile I told the rep who was unable to assist or help me with this issue. 
Below is the account that needs to be deleted. 
XXXX XXXX XXXX - XXXX XXXX AMOUNT 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 2022-06-18
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:
In accordance with the Fair Credit Reporting Act XX/XX/XXXX Account # XXXX XX/XX/XXXXXXXXXX/XX/XXXX Account # XXXX US DEPT ED Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XX/XX/XXXXAccount # XXXX XX/XX/XXXXXXXXXX/XX/XXXXAccount # XXXX US DEPT ED Account # XXXX DPT ED/XX/XX/XXXX Account # XXXX DPT EDXXXX Account # XXXX** DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX XX/XX/XXXX XX/XX/XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX* DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX XX/XX/XXXX XX/XX/XXXXAccount # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX XXXXXX/XX/XXXX Account # XXXX XX/XX/XXXX XX/XX/XXXXAccount # XXXX XXXX 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.

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 2022-06-18
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I saw advertising for a " XXXX XXXX '' very frequently on XXXX. the bank is Barclays in Delaware. My appliction number is XXXX I believe this bank or its card services department/affiliate ( Luxury  Card ) is involved in unfair and deceptive advertising. 
I finally decided to apply. i believe i am well qualified. my XXXX  stands at 790 plus and i am a multiple mortgage holder with loans close to {$2.00} XXXX at rates under 3 percent and terms of 30 year fixed. 
so far, i have not recievd the card. i have received letters and phone calls asking for additional information. the bank/its affiliate is asking me for a completed 4506T IRS form in order to continue processing my application. 
I informed them that i had filed for an extension for 2021 taxes and sent them my W2 form. they keep asking for the same document. 
i feel that this request is unusual and unfair. this requirement was never brought up when i was doing the phone application and was not mentioned anywhere. 
i am concerned about the following scenarios : 1. this is a fraudulent advertising for getting consumers ' information for illegal or shady purposes. 
2. this is discrimination. 
3.if none of the above, then this process of obtaining their credit card is extremey restrictive and probably more than 90 to 95 percent of applicants would not qualify. 
if this is the case, then why advertise so much? and not communicating to potential applicants the fact that form 4506T IRS form will be required in addition to other requirements for obtainig their card. 
it is not fair for consumers to share their private and sensitive information with this institution and lose points on thier XXXX  score if they are not going to get approved. 
Please help me figure what i have gotten myself involved in and how to resolve it. 

thank you, 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 2017-09-09
Company: EQUIFAX, INC.
State: VA
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:
Equifax, a company, and now a victim of the recent hack, has claimed that I am affected by the recent data breach. While I feel they are handling this fairly well, I do feel violated that a company I do n't even know, nor previously came into contact with is reporting that they have breached my credit card information. Please pursue this, as I 'm sure this violates my privacy and unlawfully uses my credit information for business profits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: WI
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:
XX/XX/2022 XXXX XXXX  Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

1

5 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

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 2021-07-25
Company: Experian Information Solutions Inc.
State: NJ
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:
I submitted a complaint thru the CFPB to Experian, and in return Experian 's response is that there is a third party. I am not third party, I am a person. I give CFPB and EXPERIAN, authorization to proceed with my claim of Identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MA
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:
Equifax experienced a security breach and I have been identified as a potential victim. As a result, it 's possible that unauthorized parties have accessed my social security number, date of birth, address, and other private information that can be used to steal my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: CL Holdings LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
JEFFERSON CAPITAL SYSTEMS LLC. licensed out of Minnesota with a phone number of XXXX ( XXXX ) XXXX ; - continuosly violates CFR 31 1.32 after i have repeatedly explained the regulation ; - refuses to provide proof of claim ; - refuses to accept my tender of payment ; and- refuses to close and settle the account. 
Note : All over the phone -- all calls are recorded by both parties. 
I would like to send written notice but they refuse to provide the account details so that i might notate the account for settlement and closure. 

Account Details to the best of my present knowledge : name : XXXX XXXX DOB : XX/XX/1992 Adress : XXXX XXXX XXXX XXXX, Colorado XXXX In-short ; they sure seem to be demanding a lot but cant provide anything in return. 

Finally, it would appear that this debt collector, as per the XXXX profile associated with my person, has in-fact purchased this debt. Therfore i am no longer party to this contract. 

[ *NOTICE* You, JEFFERSON CAPITAL SYSTEMS LLC. , have 30  days from the date of this complaint to either ; 1 ) Provide lawful Proof of Claim to my address as you have on file via certified mail ; and/or 2 ) Pay to and for the account of The United States as per 12 USC 95a ( 2 ) and/or 50 USC 4305b ( 2 ) as the obligations rest within 18 USC 8 ; else you agree to settle and close the account in full within the above alotted 30 days. 


w/o respect, XXXX XXXX XXXX ( signed ) XXXX ( sealed ) w/o recourse ( delivered ) ]

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As of XXXX XXXX 2017 my Equifax credit report has yet to change in fact it 's gotten worse since I have contacted Equifax over 20 times regarding fraudulent use of my information. Equifax is running a scam to make money from collectors and creditors storing inaccurate information and refusing to correct. Also Equifax has this little game they like to play and it 's called credit Bureau splitting. How is advised by several Equifax employees that credit bureau splitting is when an entire credit bureau actually is viewed by the consumer or the lender 50 % accurate and the other 50 % is nowhere to be found. My credit file happens to be in the office of Consumer Affairs. I was advised that because I have been a victim of a number of security breaches but above all identity theft on three unfortunate occasions that they were the ones in fact I have a specialist work exclusively on my credit to ensure that these items that are fraudulent are removed including inquiries Equifax has yet to remove the items it has been over 3 months. Why do credit bureaus especially Equifax getaway with XXXX? Why are they get to do and dictate lies on Consumers Credit? Whoever is overseeing the Office of Consumer Affairs and their fraud division needs to be fired. My attorney wants to proceed in the courtroom against Equifax because he has close to 35 people that have been affected by the poor dispute process Equifax maintains and now we have their wonderful security breach how convenient when two of their highest and Executives pull out of the Equifax stock market two days prior to the release of information of the breach that goes to show you the Integrity of Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Had a collection/Charge off with Barclays bank. I called in on XX/XX/2019 and paid/settled the account for {$1300.00}, reference number : XXXX. I was told that I would receive a final settlement letter showing that the balance had been paid, and that my credit report would be updated within 3 months reflecting a {$0.00} balance. I never received a settlement letter, and my credit report is not updated. I called the company on XX/XX/2019 and they stated that there system shows a letter was never sent out. They also stated that i am not the only one that this has happened to.

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 2020-02-11
Company: ALLY FINANCIAL INC.
State: GA
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:
Ally Financial did not remove a fraudulent account from 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 2017-09-10
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Step 1 : What is this complaint about? 

This complaint is in regards to the XXXX data breach, but specifically with the way that credit freezes are being handled. 

Step 2 : What type of problem are you having?
Being as this will be something that impacts someone who has had their information stolen for the rest of their life, it seems a bit silly/wild to myself that we are expected to pay for a credit freeze to try and help prevent any further damage that has been inflicted upon us as is.
Step 3 : What happened? 

All but XXXX are currently charging for a credit freeze. While I realize that the other credit reporting agencies did not have any fault in this situation, it would seem to be the right thing to do to help those in this situation.
Step 4 : What company is this complaint about?
All three credit reporting agencies Step 5 : Who are the people involved?
Myself, and anyone else impacted in this data breach.

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