BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-14
Company: AES/PHEAA
State: TX
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:
I have had student loans since XXXX ... I went to quite a few schools and graduated in XXXX. I originally had some direct loans and paid XXXX XXXX I think. I had some loans from XXXX that were FFEL loans and then Direct loans for my Masters. ( I am a XXXX ). In XXXX they were all consolidated into FFEL loans and I was told to pay XXXX ( XXXX XXXX ) so I did. I just kept paying. When PSLF came around in XXXX I was told I was on the right plan. I really wasn't told anything except to pay 120 payments and work for public service. In XXXX, I received a letter saying I would have a new loan servicer which would be XXXX. They sent me something to sign even though I don't actually remember that ( they just said I did and sent me a copy of it ) to consolidate with them and just keep paying so I did. I have paid 120 payments. I have worked as a XXXX for all these years as well. I applied for PSLF and received a letter stating none of my payments count because until XXXX they were FFEL loans, and I was under the wrong payment plan when they were consolidated with XXXX. They are saying I need to start all over. Are they crazy??? I have been paying them for what seems like my entire life. The government is the one that consolidated many of my loans to FFEL in XXXX. Many were Direct loans to start with. At this point I am XXXX, and I certainly don't want to start my 120 payments again. I truly feel they made this plan up as they went. In XXXX the game was work in a government job and make 120 payments. Now they want to change the game. Tell us certain loans apply and other don't. Well in my case, the government decided to consolidate my loans into FFEL loans. I could have cared less what kind of loans they were or who I was paying. I was just trying to pay the off. I feel like they are cheating many of us out of something we have been working towards. I have paid 120 payments totally {$39000.00}. since XXXX. I have been cheated and lied to. I am sure I am not the only one in this situation. The system needs to be fixed. It needs to be fair for all of us that have paid, and worked for years thinking we would get our loans forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXXXX XXXX ) ( LOAN # XXXX ), has violated several of my rights. 
16 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 16668 : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct Violation of several laws under The Fair Credit Reporting Act

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 2023-01-24
Company: Experian Information Solutions Inc.
State: TX
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 XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-08-03
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:
I am writing to formally dispute the reporting of closed accounts on my credit report. The accounts in question are attached to the complaint and have been negatively impacting my credit history due to several reported late payments. I believe this reporting is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). 

I am aware that under the FCRA, credit bureaus are required to report only accurate and verifiable information. In light of this, I have conducted a thorough review of my credit history and have gathered supporting evidence that demonstrates the inaccuracies in the reporting of this account. 

Firstly, I would like to highlight that the accounts in question have been closed since 2017. As a result, no further activity has occurred since that time, making the reporting of late payments after the closure date highly questionable. 

Additionally, I have diligently maintained timely payments on all my other accounts, clearly demonstrating my responsible financial behavior. This account 's inaccurate reporting is unjustly damaging my creditworthiness, which could have serious implications for my ability to obtain credit in the future. 

I kindly request that you conduct a thorough investigation into the reporting of this account and promptly rectify the inaccuracies. I insist that the account be updated to reflect its closed status and eliminate any references to late payments that occurred after the closure date. 

Furthermore, I would appreciate receiving a written confirmation of the investigation results and any necessary corrections made to my credit report. It is my right under the FCRA to be informed of any actions taken within 30 days of your receipt of this dispute letter.

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
CREDIT INQUIRIES THAT I DID NOT INITIATE ARE : 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 non-monetary relief
Consumer complaint received 2022-04-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I bank with XXXX. 

XXXX XXXX I deposited a check for around XXXX via mobile app. This is my paycheck as a XXXX. 
I am a XXXX to my friends Business, XXXX XXXX XXXXXXXX XXXX. 
The check bounced due to insufficient funds. It was returned. Fees were charged. 
My friend gave me a new check after adding more money in the account. 
I again depostied it via the mobile app. It was not showing anything to be available, and the check was " on hold '' or " pending '' i dont remember the language used. 
I was near a Chase Bank Branch, so I went in to ask them what was going on with that check. 
The teller informed me that because my account was flagged due to the bounced check that this check did not go through when i attempted the mobile check deposit. He said maybe it was because of the amount of money it was for, or because of the flag, but not to worry he could deposit it in person. 
He gave me a receipt, and showed me the new date that I can expect to have access to my money. 
already annoyed because it was another XXXX weeks, all i could do was wait. 
So I did wait, and still no deposit. 
I was connected to all kinds of different special customer service numbers, and they said my account was restricted and onl hold because of the check being deposited TWICE. 
I was XXXX. I took all the actions Chase asked of me to, and had been on the phone with them or in person multiple times every week. They froze my accounts for over a month. No access to my money, no access to paying my bills on time, etc. This was a very serious long term problem, that STILL has not been resolved. They have many notes on my account, and everytime I go in there I leave thinking they really figured it out. And again I leave disappointed. 
Because this was my friends Business Account from XXXX, I had her involved too. 
The money, left the account twice. That's right, her XXXX XXXX account has a XXXX withdraws for this same check. 
The money, close to XXXX is somewhere in limbo. XXXX of my Accounts at Chase was Closed. And this is a huge mess created by XXXX eager and under trained Bank Teller who deposited a check that was already deposited. 
I need to have access to this money and/or my friends XXXX account needs to get back the money. 
This error of the teller has cost me XXXX of dollars in late fees, and has impacted my credit score. I will keep making complaints until its resolved and amends are made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-06
Company: ENCORE CAPITAL GROUP INC.
State: GA
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:
In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this dispute includes : Identification of the specific information being disputed : XXXX  XXXX, as shown on my 3 credit reports, is showing incorrect information. Basis for the dispute : 1. Please remove this incorrect information. Midland is not a creditor and I have never entered an installment account or opened an agreement with the company to re-age debt. ( XXXX, XXXX ) 2. The account status is shown as Past Due. Please delete this incorrect information. Midland is not a creditor and therefore can not report an account as past due or current. ( XXXX, XXXX, XXXX ) 3. The " Recent Balance '' and " Balance Updated '' Midland has most recently reported is { {$1700.00} } and the account is listed as " past due ''. Please remove this incorrect information. There is no payment history to report as Midland is not a creditor. ( XXXX  ) 4. Terms are listed as 1 month. Please remove this incorrect information. I have no terms or installment agreement with Midland as Midland is not a creditor. ( XXXX ) Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or  completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file. They are updating this account monthly as " past due '' so as to cause a greater negative impact to my credit score. Midland may not list this account as an installment account, as they are not a creditor and I have never entered into any installment agreement with them Midland also may not show the account as " Past Due '' as they are not a creditor and may not list an account as past due or current. Midland also may not report a recent payment history as they are not a creditor. Midland also may not list the terms of the account as " 1 Month '', as I have no terms or installment agreement with Midland. Finally, Midland may not report my payment status as " Past  Due '' as of XX/XX/2018 as Midland is not a creditor and I do not have any installment agreement with Midland. Due to the manner in which Midland is incorrectly reporting this account, they are in violation of 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), and 15 USC 1692f. I have contacted Midland on three different occasions to have this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 non-monetary relief
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 updated : 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 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 non-monetary relief
Consumer complaint received 2022-04-30
Company: EQUIFAX, INC.
State: SC
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 XXXXXXXX XXXX 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. Also states a consumer reporting agency can not furnish a account without my written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
cra violation no score reported inaccurate information please fix this issue asap

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and I refinanced our home in XX/XX/XXXX, so we could get a lower interest rate. So, after my husband setting up this meeting to sign the papers and in trusting the agent that came to our home and the bank my husband set this up with, we signed and got a lower rate. In XX/XX/XXXX, my husband and I separated and he moved out, so called the bank to see about making partial payments until I got a full time job, then I would be able to make the full payment. The bank at that time told me to call back in a couple of days so I did. When, I called back in a couple of days, they told me the loan was sold to call the other Mortgage Co. so I did. They wanted me to fill out paper work for Act 91, so I did. After, sending the paperwork in by mail and fax they always lost my paper work, so I would re send it always. Now, after not paying them for about a couple months, the loan went into Default. I called them and said what 's going on? They always said the paperwork was missing, they did n't get it, they just gave me the run around. I have gone to counseling twice. Now, my house went into Foreclosure and at that time I was in the middle of filing bankruptcy. My house was up for Sheriff 's sale in XX/XX/XXXX and it sold, but I was still in the middle of filing bankruptcy. After all this happened I went back to my paperwork to read the agreements again. I am finding that when my husband and I refinance our home in XX/XX/XXXX, the bank messed with the paperwork. To make it look like I was the main bread winner of the household, I was n't, my husband was, so what they did was used my credit ( caused I had good credit then ). with my husband 's income. No bank in there right mind would give me a loan of that size no matter how good my credit was. My husband, his credit was no good. Of, course we did n't know the bank or the agent did this, we trusted them and signed the papers. Now, the house is up for Foreclosure again.

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 2022-04-30
Company: V and H Portfolio
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. A company called Vance and Huffman LLC added a fraudulent account to my credit profile on XXXX, XXXX, and XXXX. I immediately called them and told them that this account was fraudulent. I asked them to send me any paperwork that they had that I could turn over to the police to help them better their case in finding who has been using my identity to gain access to my credit. The company refused to do so and will not remove this fraudulent account from each Credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid 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:
XX/XX/2018 unathoraized transaction was made for {$1200.00}. Meanwhile numerous attempt were to be made about refunding the money from XXXX XXXX XXXX but no answer.Dispute was filed to Wells Fargo claim department and evidence was sent on XX/XX/2018 information was unreadable so it was then faxed on XX/XX/2018 the evidence pertained the signature authorization form and the two emails sent by the company requesting signature on XX/XX/2018 proof that it was not signed. Well Fargo was  contacted and asked if the recieved fax and many of them stated yes. They also were asked if it was the evidence they needed a sufficient enough they stated yes as well. On XX/XX/2018 dispute was closed saying they did not recieve any information. They were called again and said the have enough evidence the money should be fine. However, on XX/XX/2018 another claim was the open for the same dispute. Wells Fargo claim department was then contacted again and they didn't know as to what was going then sated the couldn't win over the dispute. Asked again as to why, if proof was recieved and if needed to provide more evidence they continued to state they did not have evidence and left unanswered to other question asked and proceeded to end the call.

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 2022-04-30
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:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX XXXX Balance Owed : {$6.00} XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$2100.00} TransUnion : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$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 non-monetary relief
Consumer complaint received 2021-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
For the past few months I have been disputing inaccuracies on my credit report. The asset amount transunion, XXXX and XXXX is reporting on the bankruptcy on my credit profile does not match any public records. No proper investigation was done into this matter because this information continues to report inaccurately. They are also reporting the wrong liability amount.

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