BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-26
Company: GREAT LAKES
State: IL
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:
I called my federal student loan provider Great Lakes to confirm about item # XXXX : I 'm thinking of serving as a XXXX XXXX or XXXX volunteer and plan to request a deferment or forbearance on my Direct Loans. If I 'm not making payments during my service period, can I receive credit toward PSLF? 
The customer service agent ( I believe her name was XXXX ) stated to me that I would not be able to received credits PSLF, even though under the federal government its stated otherwise. The agent stated that I would need to make 12 separate payments and that I am not able to make the lump slums payment and received the credit for PSLF. 
I am extremely frustrated because, I am a hard working student working to keep up with my student loans and more importantly be smart with payment in order to receive PSLF credits during my services as an XXXX volunteer. I would like for Great Lakes to invest in honest and fair business practices. I do not think this institution should be acting as private money-hungry bank center. I also believe, the federal government needs to do a better job making sure that these private sector they partner with are honest and are in compliance with federal regulations. I am going to call them again with an attorney on the other line to process this request. It 's unfortunate that hard working citizens of this country have to go this far to get a fair treatment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: Professional Recovery Management
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt collection agency ( Fox Collection Center ) reported a person with similar name on my credit file report, then filed a collection on my credit report changing the debt to my address although another address appears on the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Experian Information Solutions 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 Experian credit score went up 12 points on XX/XX/2020 and then suddenly dropped by 24 points two days later on XX/XX/2020 although my credit report did not change during this time, and Experian provided no answers. 

I saw this on my credit alerts on Sunday XX/XX/2020 and called Experian on Monday XX/XX/2020 at XXXX to ask what could have caused the sudden 24 point drop. Experian Representative XXXX said she can not explain it, she can only compare my XX/XX/2020 credit report with my XX/XX/2020 report and see that nothing changed except my credit card balances decreased, which should generally help my score, not hurt it. XXXX said Experian can not give any specific information about the 24 point drop. XXXX said my Experian member ID is XXXX. I asked to speak with a supervisor, who also said she can not explain what might have caused the 24 point drop. She said " Experian can not confirm or deny '' the reason why my score dropped 24 points during a time when my credit report didn't change. 

CFPB Representative XXXX said on XX/XX/2020 at XXXX that Experian should have an explanation, when such a significant score change happens during a time when the credit report didn't change. 

In addition, there can be no new harmful inquires on my credit report during this period in XX/XX/2020, because from XX/XX/2020 to XX/XX/2020, I initiated a freeze and fraud alert on my credit report with the three credit agencies, Experian, XXXX, and XXXX. Two hard inquires were successfully removed in XX/XX/2020, which is a good thing. The resolution in XXXX should help, not hurt, my XXXX score. And although I always paid my bills in full each month, I started paying down next month 's credit card balance proactively, which the credit agencies ' FAQs all say should help, not hurt, my score. 

If anything, my score should be better than before, not worse. Please explain the score drop. Thanks.

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 2015-10-14
Company: Credit Karma, LLC
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hi, I was recently on credit karma reviewing my information and I noticed XXXX hard inquiries, as well as a credit card opened apparently in my name with {$950.00} tacked onto it. Until today, I have never heard of the bank nor opened any new accounts, seeing as I am deployed XXXX at the moment. 
Please help me resolve this. 
Thank you

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Experian Information Solutions Inc.
State: LA
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:
I review my credit report every month and noticed tat my credit score had decreased by XXXX points due to a " late payment '' on a CLOSED ACCOUNT that was paid off on XX/XX/2017. The company, XXXX XXXX XXXX XXXX has been permanently closed and being sued for fraud from thousands of consumers. My credit report shows a 30 day delinquent payment a XXXX balance due to XXXX XXXX so why was this reporting even allowed to be put on my credit report when it clearly stated that there was a XXXX balance on this CLOSED ACCOUNT? I want this fraudulent reporting off of my credit report immediately and my score to be returned to it's original score!!!!

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 2017-03-22
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
In XXXX of 2016 my wallet was stolen. I filed a police report with my local law enforcement : XXXX Police Department. Soon thereafter my identity was used to acquired various accounts, namely a car loan at XXXX in XXXX CA. They opened an auto loan with Chrysler Capital. Once this was brought to my attention I immediately contacted the detective I was working with at the XXXX Police Department. The detective contacted the General Manager, XXXX at XXXX XXXX and after a thorough investigation it was deemed by the General Manger, XXXX at XXXX as well as the detective with the XXXX Police Department that this loan was in fact fraud. I am providing ALL documentation to evidence such. I have requested multiple times that XXXX Bureaus removed the Charge Off showing under my name with Chrysler Capital and XXXX Bureaus as well as Chrysler Capital are REFUSING to remove this fraudulent information which is preventing me from qualifying for a home loan and other type of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I review my credit report every month and noticed tat my credit score had decreased by XXXX points due to a " late payment '' on a CLOSED ACCOUNT that was paid off on XX/XX/2017. The company, XXXX XXXX XXXX XXXX has been permanently closed and being sued for fraud from thousands of consumers. My credit report shows a 30 day delinquent payment a XXXX balance due to XXXX XXXX so why was this reporting even allowed to be put on my credit report when it clearly stated that there was a XXXX balance on this CLOSED ACCOUNT? I want this fraudulent reporting off of my credit report immediately and my score to be returned to it's original score!!!!

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 2017-01-31
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I had to several hardship, I loss everything and had to file bankruptcy. I was advise per the bankruptcy these student loans should have been discharged. I have not been able to get a job with this degree from this university. I am truly in need of some assistance. Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Capital Accounts, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Myself and spouse visited XXXX XXXX XXXX XXXX, RI ( now XXXX XXXX  XXXX, RI ) on XX/XX/XXXX. A colleague at work referred me and I did not think of checking with my insurance since we work with the same company ( my mistake ). However, on getting to the dental clinic, I specifically asked if they were in my insurance network, provided them with my dental insurance card and they guaranteed they are. Well, few weeks later, I received a bill from my insurance & from the dental office stating our ( myself and spouse ) cleaning was not covered because the doctor was not in the network. 

I went to the dental clinic and they refused to cut down the bill but agreed to set up payment plan at the time, I could only afford {$5.00} a month which they agreed to. I have since then been paying city dental on the amount we agreed to. My total bill was {$610.00}, I have paid {$430.00}. now they are claiming I owe {$1300.00} because they've been charging me {$8.00} late fee. This was never communicated with me. They later sold the account to a collection agency called Capital Accounts who placed it on my credit report, called them in XXXX to fix and the company was very abusive and called me names. I later called XXXX in XXXX and XXXX took it off my credit history. 

This year XXXX, capital account reported again to XXXX, I contacted XXXX gave them payment history ( uploaded documents, supporting documents ) and they refused to take it off my credit. 

All through this time, I have called XXXX XXXX, they claimed they do not have any debt detail/medical record on me, they claimed they have no record of my payment at all while someone has been cashing my check ( called my bank and confirmed with my bank that all checks are cashed under the name of XXXX XXXX ). called capital account who refused to give me original bill and refused to settle. The {$610.00} bill was later located by my insurance. I have emailed capital account with all payment details and bill, informed them that I am willing to pay the balance of {$180.00} but I do not owe them {$1300.00} and they need to take it off my credit report. 
I have never had anything on collection, especially medical bill, I always pay medical bill but this particular company lied to me when I specifically asked them ( learned never to believe companies, now I check with my insurance company 1st ), they have been cashing my checks, have me in collections and now claim I owe them {$1300.00} from initial bill of {$610.00}. 

Please help me, save me from a deceptive company XXXX XXXX formerly known as XXXX XXXX XXXX RI. They are preying on the weak and poor, want to ruin my credit after working hard to build it and XXXX that tossed out payment history docs for companies like capital accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: GREAT LAKES
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Hello, I 've read that on " XXXX '' about the limitation for loan forgiveness only extends to 120 days after the last disbursement. 
However, as a recent graduate of XXXX XXXX XXXX, XX/XX/2016, I am concerned about my current situation. 

On XX/XX/2016, all students and recent graduates received emails about the school 's immediate closure following XX/XX/XXXX. My concern is that I now have a debt approximating nearly {$40000.00}, most of which comes from my enrollment at XXXX. 

After two years spent of my life, I now have a degree. However, it amounts no more than a piece of paper, from a school now known nationally to have been discredited by the department of education, forced to close, and shall soon no longer exist. 

This worries me because of the large debt I have incurred, expected to pay, and a resume which lists a graduate from a school that is tantamount having attended no school at all. Is there any way to contest the repayment on this debt? Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
As of XX/XX/2021 Trans Union wiped our all my accounts. Attached is a report dated XX/XX/2021. It will show all the accounts that were deleted affecting my score and borrowing. I opened up a complaint # XXXX and CFPB closed this complaint without resolving this complaint. How can my XXXX and XXXX have 12 to 13 accounts and Trans Union only have 1. This should be a red flag. I am somewhat dissapointed that consumers have no where to turn. Take time and look at the attached TransUnion report, and tell me something is not wrong. Do not close this complaint until TransUnion restored my account with all the correct information. I haven't received any correspondence from Trans Union.

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 2021-12-27
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I had a business account in which I got XXXX transfer sent to the account was taken. When I called in the first time I was told by a representative take they couldn't make money off my account and that they will be closing it. They gave me the run around the money that was sent to my account and said they would mail me a cashiers check. Then they made up an excuse saying that the money was sent back. They lied to me about everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Someone put in a fraudulent unemployment claim using my social security number so I called Equifax to put a freeze on credit verification and put in a fraud alert. I used the Equifax automated system and entered all the correct information. I requested to speak with an agent. I was put on hold for 45 minutes and then disconnected. I called back and just requested to speak with an agent. After 1/2 an hour I got an agent. I was asked questions to verify my identity which I did. I was told that I did not pass after answering the questions correctly. She told me I would have to submit written documentation and wait for them to investigate and verify and that it would take several weeks. I asked to speak to a supervisor and she told me sure and then disconnected me. I called back again and asked to speak with an agent after waiting 20 minutes I get an agent and request to speak with a supervisor. I talked to XXXX and explained my situation. She told me there was nothing she could do that I would have to submit supporting documents and wait several weeks for the investigation. This is totally unacceptable. I tried going onto Equifax website but when I selected it I was told that the certificate could not be verified and would not allow me access. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Re TARGET XXXX. 
I am so grateful Senator XXXX XXXX established This organization and President Obama set XXXX Director. 
TARGET is attempting to collect {$240.00} which I do not owe. 
XX/XX/XXXX I was hospitalized. My Son made {$20.00} payment on acct for flat screen TV. 
XX/XX/XXXX acct was paid in full BEFORE year purchase. 
I receive demand for {$25.00} late fee. This fee was set because My Son did not pay {$25.00} XXXX TARGET determined {$5.00} was late, therefore, I owed {$30.00}. 
I called TARGET, placed messages for CEO. Contacted Billing, speaking to someone in another country advising the fee is legitimate. Having paid acct in full mattered not. 
Calls, connections, TARGET reps calling to say the problem was handled. And ... 
There is Collection Agency threatening lawsuit, threatening to RUIN my Excellent credit which I have worked determinedly to preserve. 
I am senior, can not afford RUINED CREDIT resulting from TARGET XXXX determination to collect {$240.00} because My son, trying to help, made {$20.00} payment instead of {$25.00}. 
Paying full balance as soon as I was released from Hospital, having Always paid more than {$25.00} month meant nothing to TARGET. 
My TV was purchased XX/XX/XXXX. Paid in full XX/XX/XXXX. 
TARGET received payments {$40.00}, {$50.00} and more. I was excellent TARGET customer. And now MY GOOD CREDIT is being ruined all because of {$5.00}. 
HELP, Please. 
Do not allow TARGET to ruin My credit nor XXXX, XXXX, Florida to bring lawsuit for an charge I DO NOT OWE. Thank You. 
Currently I am almost homeless due to Toxic mold in My Apt XXXX I can not live in Toxic Apt XXXX 
I am sleeping on Friend, Family sofas. Mail goes to RA. My Son collects when He has time. This time in My Life is nothing I would have ever expected as respectable & responsible Senior. 
I can not afford for My Good Credit to be ruined especially if I must, regretfully, from place I 've resided nearing to XXXX years. 
My Good Credit permitted TARGET to open Acct immediately for an almost Five hundred dollar flat screen television. Should I have to move I will require, must have Good to Excellent Credit which TARGET has determined to destroy because of not receiving {$5.00}. 
HELP! 
Respectfully,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have submitted dispute letters to this company multiple times stating that a BANKRUPTCY on my report was not correct, and they returned back stating the information was verified by the XXXX & XXXX and I have documentation from both of those sources. XXXX indicated that they deleted the information and the COURT stated they don't verify that information. They are reporting false information and it needs to be removed 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 non-monetary relief
Consumer complaint received 2016-09-09
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The auto loan with TD Auto Finance has been fully satisfied but reported negatively. It is inaccurate based on a settlement agreement stemming from a lawsuit I filed against TD Auto Finance. I am requesting that the item be removed promptly or reported to the credit agencies in accordance with the settlement agreement. 

I recently received the original copy of my retail installment contract indicating a paid in full status. I recently pulled all three credit reports showing the {$9400.00} as written off. I am requesting this matter be thoroughly investigated and fix or delete the disputed item as soon as possible. 

I have made contact with TD Auto Finance 's credit dispute department and have not received a response or an indication on my credit report that the incorrect information is being disputed. I also have not received any update on the actions being taken by the credit bureaus regarding their investigation. 

I am currently in the process of trading in my car and am unable to purchase a new one with a reasonable interest rate because of the derogatory mark on my credit report. My credit score dropped XXXX points overnight when TD Auto Finance reported the account status negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-28
Company: Paypal Holdings, Inc
State: PA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Paypal issued me a credit card for which I did not apply and began charging late fees even after the initial charges were paid. I did not request the credit card and they continue to charge late fees on an " outstanding balance '' that consists of monthly late fees, not purchases.

Company response to consumer: Closed with monetary relief