BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-02
Company: AES/PHEAA
State: CA
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 been making payments to XXXX XXXX since XX/XX/17 and due to the government putting a forbearance due to disaster near or far away from me, i am having to call each month to remove it. i was not affected by a disaster and I am not ok with someone else deciding for me I need forbearance. I have not approved it nor can I call anyone to end this process. The customer service are trying to help but the account continues to have money moved around and I am getting monthly reminders that I have missed a payment only to find in the account that I did indeed pay it on time. I cant get a number to call with the Department of Education to end the forbearance. I am not approving this and I want my account to be cleared so I can pay my on time payments in peace. I spent 1 hour on the phone trying to fix this 2 times in 2 months. Today a forbearance was put on my account again and my payment due was changed. I have no information in the account about this. Correspondence is sent after my account details are changed so I am getting info after it has been applied. Again without my approval. I want to be informed before something is happening not after. My calls to customer service have to happen to stay informed and are a waste of time on both ends. this system needs to be changed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting 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 to with the Fair Credit Reporting act XXXX  account name XXXX XXXX XXXX, account number 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 an 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 2023-07-08
Company: ERC
State: PA
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:
Tracking number XXXX Account was sold to debit collectors without my knowledge and consent. My rights were violated. As result request for deletion on credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 BEEN VICTIM OF IDENTITY THEFT. 
I SENT : -A POLICE REPORT -A FTC Report date documents were sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX did not remove these fraudulent accounts that i am not responsible for violating my consumer rights. 
desired resolution : delete thes fraudulents accounts like XXXX and TRANSUINON DID. 
Fraudulents accounts : -Account # XXXX XXXX XXXXXXXX XXXX {$1000.00} -Account # XXXX XXXX XXXX Balance {$6300.00} -Account # XXXX XXXX XXXXXXXX XXXX {$650.00} -Account # XXXX XXXX XXXXXXXX XXXX {$1600.00} -Account # XXXX XXXX XXXX {$580.00} -Account # XXXX XXXXXXXX XXXX  {$2200.00} -Account # XXXX XXXX XXXX {$2000.00} -Account # XXXX XXXX XXXX  {$740.00} -Account # XXXX XXXX Balance {$4100.00} -Account # XXXX XXXX XXXX  Balance {$1000.00} -Account # XXXX Balance {$23000.00} -Account # XXXX XXXX XXXX {$1300.00} XXXX # XXXX XXXX balance {$460.00} -Account # XXXX XXXX XXXX XXXX Balance {$11000.00} -Account # XXXX XXXXXXXXXXXX XXXX balance {$55000.00}

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 2018-04-23
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX {$620.00} was taken out of my checking account by PNC, bank and transferred to another checking account that is owned by my father. I was given no notification that this money would be taken out of my account, and it was all the money that I had in my account. I have my car payment that is supposed to come out of my account today which I was unable to pay, and I couldn't even afford to put gas in my car to go work and had to call out. Allegedly, my father 's account is negative and he is a joint owner on my account, and that is why they took the money out of my account. My father has been XXXX since XX/XX/XXXX, and has had no cash flow going in or out of his account so I am unsure how a transaction could even be posted on his account to cause it to become negative. I do not have access to my fathers account, and would not have known it was negative. I was told a " XXXX '' charge came out of his account and I was advised to take the issue up with XXXX. However, my name is not on my father 's XXXX account so they will not talk with me and XXXX is not the company who has taken money out of my account, PNC is. When I questioned why I was not even given notification I was told, " we don't have to notify you, it's our right to set off the account. '' I am extremely displeased with this transaction and will be terminating services with PNC, bank as soon as humanly possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-07-08
Company: Experian Information Solutions Inc.
State: IL
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 dont have cards from these banks issued on dates listed or within 30 days check my credit report XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX 2025

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 2022-08-11
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I hope this message finds you well. I'm writing to express my concerns regarding the reporting of my charged-off XXXX XXXX credit card account on my credit report. 

This account has been officially charged off, however, it continues to be reported as a 'charge-off ' on my credit report every month. As well as reporting No Data for some months. This repetition implies that a new negative event is occurring each month, which is not accurate. 

Under the Fair Credit Reporting Act, a charged-off account should be reported as such once, not on a continuing monthly basis. The continuous reporting of the charge-off is negatively impacting my credit score in an undue manner. 

This incorrect reporting has significant consequences on my financial standing and potential for future credit opportunities. I kindly request your assistance in rectifying this issue to ensure that my credit report accurately reflects my financial history. 

Thank you for your immediate attention to this matter. 

Best regards, 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 2023-09-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This letter is being sent today in order to formally contest some errors found on the credit report. Some discrepancies were discovered during a recent review of the credit report, which has caused my credit score to suffer. 

A prompt response to look into these inconsistencies and make the necessary corrections is expected given how serious this problem is. The credit system is made to accurately reflect consumers ' financial circumstances. However, the appearance of these errors raises concerns about the efficiency of that system. 

Dealing with these errors is difficult despite efforts to keep finances in order. It is doubtful whether this important financial document is accurate, which could have an impact on future financial decisions and the credit score. The potential effects of a system-generated report on one 's financial situation demand serious consideration. 

The seriousness of the situation is highlighted in light of the current circumstances, and an immediate conclusion to this dispute is urged. We need your help to solve this problem and deliver a credit report that accurately reflects fiscal responsibility. 

A timely response to this important matter is desired. A correct credit report can be obtained with your help.

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 2022-08-05
Company: AmerAssist A/R Solutions, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, I am here to contest any purported claims you are now reporting on my credit record as consumer debts. I am not responsible for this debt, I do not have a contract for this account, and you have not provided me with the initial application as requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Atlanticus Services Corporation
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received a Pre-Approved letter from Aspire Credit Card for a {$700.00} credit card between XX/XX/2023 - XX/XX/2023. I then applied because of the letter received, however, I was denied after receiving a Pre-Approved letter. My issue is that a pre-approved letter speaks on eligibility information and is considered solicitation. Eligibility information contains account numbers, names and address. ( 12 CFR 1022.20 ( b ) ( 4 ) ). Direct mail is listed with other examples of how solicitations can be done. According 12 CFR 1022.20 ( b ) ( 5 ), solicitation is the marketing of a product or service initiated by a person, such as a financial institution, that is intended to encourage consumers to purchase or obtain products or services. A pre-approved letter is done after accessing ones consumer report to see certain financial information which I have not granted Aspire Credit Card my consent to have. These actions violate my personal nonpublic information ( personal identifiable financial information ( 15 U.S.C. 6809 ( 4 ) ). A pre-approved letter is intended to encourage a consumer to obtain your product and services, hence pre-approved, instead of pre-qualify which authorizes a soft inquiry to create an offer. Under Aspire Terms and Conditions When we ( Aspire ) solicit you for an account or from time to time thereafter we may offer special terms in connection with your account. I was not offered neither an account or special terms with an account. After denying this application, Aspire Credit Card has adverse actions on my consumer report which is considerably unfair and illegal. Per 15 U.S.C. 6802 ( a ) ( b ), Aspire has failed to send me any form of notices giving the opportunity to opt out of any access they may have to my consumer report or any adverse actions that was caused by their decision to deny me, when Im sure I should have never been denied originally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Portfolio Recovery representing XXXX XXXX NV l has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 amt {$1800.00} XXXX XXXX   NV

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
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: Personal information incorrect

Complaint:
After reviewing my Credit Report on XX/XX/XXXX ; I noticed for the second time deficiencies of reporting and inaccurate information on my Equifax credit report in violation of the Fair Credit Reporting Act Section 611 ( 15 USC 1681 I ) and lawful compliant reporting standards ( see attached notice ). Please report ONLY my legal First and last NAME. I request you remove DATE OF BIRTH year " XXXX '' and REMOVE previous address listed as : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ; I do not live here nor have I ever resided at this address ( See attached Notice dated XX/XX/XXXX which includes my Driver 's License, Social Security Card # and Phone/utility Bill. ) Additionally I respectfully request an investigation of XXXX account XXXX, and Inquires : " XXXX '' dated XXXXon Equifax report and XXXX dated XX/XX/XXXX on my Equifax profile. Im concerned my personal information may have been breached in Equifax data breach. I HERE NOW EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY be REPORTED. SINCERE THANKS FOR YOUR TIME AND ATTENTION. [ [ **PLEASE ADD XXXX XXXX Account # XXXX and Account # XXXX to my report, I do not see these accounts! XXXX XXXX is my Accounts ] ], Thank you again, Be Well ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Benuck & Rainey, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received called from Benuck and Rainy. They left a very vague message on my voicemail. Left like an attempt to lore me in to calling them. The name of the person who owns the debt was never specified, what kind of debt it was or amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am still having difficulties for XXXX XXXX to comply with my request to remove all ACCOUNT REVIEW INQUIRIES They are not doing the right thing No one is listening to me. 

I am being taken advantage of badly by this fake company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to bring to your attention a matter regarding incorrect information on my Equifax credit report. On XX/XX/XXXX, I contacted Equifax to dispute the accuracy of certain entries on my credit report. Despite my efforts to resolve this issue, I have not received a response from Equifax as of the date of this letter. 
The details of the inaccurate information and the necessary corrections are as follows : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Please remove this account from my credit report, as it does not belong to me. 
Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt as soon as I received a bill from the medical provider. I paid it in full on XX/XX/XXXX. The statement was dated for XX/XX/XXXX. I then received a letter from the collection agency, Transworld Systems Inc., dated XX/XX/XXXX, which arrived on XX/XX/XXXX. I  sent them a letter with a copy of my payment after I called them more than 15 times and no one ever answered. The recording would tell me the person at extension ( then give a very long extension number ) was unavailable. Please leave a message. Then the recording would say the mailbox is full and can't accept any more messages. Then I received another notice dated XX/XX/XXXX, which arrived on XX/XX/XXXX. I tried calling again and it was the same thing. I tried their website and the only option is to pay the debt, no way to dispute it. They gave me a registration number that also does not work for anything other than paying.

Company response to consumer: Closed with explanation