BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Recently, I did an investigation on my creditr report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report under 15 U.S code 1681e ( b ) and 15 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 2020-08-17
Company: AES/PHEAA
State: NY
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:
Had a student loan with XXXX and XXXX XXXX XXXX called me and told me about aXXXX XXXX XXXX XXXX XXXX   that I would qualify for ( Income Driven Repayment Loan ). At the time I was single and just started a new job. I was told the status of my loan would remain under my single status because I took the loan out before I was married so therefore it would not affect the long term 10 year option payoff that I qualified for. I paid the company upfront 4 payments totaling close to {$1000.00}, one I bt was told was for filing the needed paperwork to obtain the loan. I was accepted and have attached the documentation showing that I qualified for payment of {$10.00} per month for 10 years, no late payments, and the loan would be paid off in full. I received an email recently that payments stopped due to COVID but would restart in XXXX so I needed to re-qualify again showing my salary still qualifies. I called the company and found out they are out of business due to a suit that was filed against them as they were forced to close their doors. The number I called is XXXX. It appears they made a false claim that XXXX XXXX XXXX  was connected to them and they filed for a password and email using my information, acting as I knew that the loan was connected to this company. The XXXX XXXX XXXX login I received was from them acting as if they connected to the original XXXX XXXX XXXX online so I could see my information. I was confident in XXXX XXXX XXXX being that I qualified through them a second time and they had my bank account information, taking out {$10.00} a month for student loan payment. I called a associated with the Department of Education to complain and I was told to call Fed Loans and explain the situation to them as well as make a complaint with you. When I called Fed Loans they told me they are now XXXX XXXX XXXX, I am paying {$0.00} total as of the information XXXX XXXX XXXX   provided them and that I owe about {$600.00} and somewhat dollars in interest. They had no idea I was making payments of {$10.00}. I have included many emails with dates and the contract that I e-signed showing the original 4 payments of {$240.00} and dates showing I was to pay {$10.00} for 10 years. I have emails showing original point of contact, emails that they were in receipt of my {$10.00} a month, that I re-qualified for the loan, they sent me login and password from Fed Loan, etc., posing as they were the Fed government they were working for and had the power to access their site for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
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:
My credit report is not showing up properly on equifax. Other third parties can not pull it either and nobody seems to be assisting with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: OK
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:
It has been a battle going through this, and I am submitting this CFPB Complaint to request the deletion of the following fraudulent information from my credit file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the charges or open the accounts. I ask that these items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I have also enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records, and certainly not the alleged information showing on my credit report. Therefore, I request that you immediately remove this information from my credit report with your firm pursuant to the FCRA Section 605B. I need the deletion of the following items completely from my Credit File : XXXXXXXX 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 XXXXXX/XX/XXXX. These items were never authorized by me nor anyone on my behalf. Also, I would like to point out that I have been asking the Credit Reporting Agencies a copy of documents they found during their " investigation '' to prove that they have legal basis for their reporting and the Credit bureaus have been failing to provide these.

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 2023-06-29
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Due to my personal information was reported incorrectly in the data systems an was reported deceased illegally XXXX had my date of birth as XXXX sents XXXX that kept denied credit I was forced to send my identification card an other stuff proving my identity due to false information being reported untrustworthy requested everything should be removed off my credit report an should be reimbursement for the cause I been trough an trouble that cause me my identity was stolen do the XXXX settlement check I never received because my identity was incorrect never was false even the debt collector report I was reported deceased on all 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 2023-04-20
Company: Experian Information Solutions Inc.
State: NJ
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:
Recently, I did an investigation on my creditr report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report under 15 U.S code 1681e ( b ) and 15 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 explanation
Consumer complaint received 2018-11-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I did overpayment to my citi credit card account. I talked with representatives on CC department to transfer the money from this to my ally bank-checking account on XX/XX/2018. 


XX/XX/2018 - Request for credit balance refund by me. I was told that the credit balance would be credited to my checking account within 3 to 5 business days. 
XX/XX/2018 - Rechecked the citibank. Citi representative mentioned me that it needed further verification from the bank where money was debited. Had phone conversation and verified the deposit clearance. I was told that the fund would be credited by Monday. 
XX/XX/2018 - I was told again that 3 to 5 business days XX/XX/2018 - Same story No one knows the status.

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 2020-08-17
Company: AES/PHEAA
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My wife and I are both XXXX  XXXX veterans. While working on my XXXX XXXX, she became severely ill and I had to quit my program to care for her and our XXXX children. I have always been in contact with the creditors. Since leaving my program several years ago, it has been an un-nerving maze with parts of my loans being bought and sold. She is a XXXX female XXXX veteran with an acquired illness during an injury in XXXX. I need to move our family closer to medical facilities to prolong her life. 

Im on an income-based pay system with the loans and with almost no income, have no payments at this time. Multiple reports on all credit bureaus have my loans in collections, late, and other negative reportings. These are all untrue and are keeping my credit score too low to apply for a home near treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: NY
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:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX -XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened Checking and Savings accounts with Citizens Bank per the {$600.00} promotion sent to me via US mail. The promotion is structured as follows : Receive {$300.00} for the checking account, {$200.00} for the savings account and {$100.00} bonus for both. 

I've followed all terms and conditions, yet Citizens Bank refuses to honor the Savings and Bonus portions of the promotion as the " deposit was not made in a timely manner ''. I attempted to open the account on XX/XX/20, the account was opened on XX/XX/20 after I sent identity verification materials and fully funded, after linking an external account, on XX/XX/20. 

I received the Checking bonus on XX/XX/20, which aligns with the promotion 's terms. After not receiving either the Savings or Bonus promotional dollars, I sent a message requesting the status. I was subsequently told that the " deposit was not made in a timely manner '' per the firm 's " Marketing Department ''. Upon review of the attached promotional flyer and terms and conditions, there is no indication of the amount of time one has to deposit the required amount into the Savings account. Further, by Citizens Bank 's delay in opening of the account, I lost the ability to deposit the required {$15000.00} at the time of opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022, I deposited a check written on my account in the amount of {$20000.00} into the account of another Bank of America customer 's account. Subsequent to that, on or before XX/XX/2022 I placed a " Stop Payment '' for that check which was acknowledged in writing in a letter from Bank of America on XX/XX/2022. 
The recipient of the check acknowledged the check being deposited and then withdrawn by Bank of America. 

The complaint is that Bank of America took the funds from the other customer 's account and failed to return them to my account. 

They, Bank of America, subsequently closed my account from which the check was written and showed as withdrawn from that account on the statement. 

In my view, the only equitable solution will be for Bank of America to send me a good check in the amount of {$20000.00} for my use. 

Bank of America hinted in various conversations that fraud was being perpetrated by someone. They did not accuse me. If the recipient of the check was involved in any fraud, I was not aware of it If anyone is being defrauded, it is I, the victim. The victim should not be punished and the bank should not be rewarded by being allowed to keep funds that should be returned to the rightful owner. 

I have made Bank of America aware numerous times of my complaint and they would say that the matter was investigated and that I was not going to be entitled to the funds that THEY have. This is what I call the opposite of the fiduciary they should be. 

If they are found to have violated their responsibilities, I hope you can find a way to make them do the right thing.

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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2018-04-10
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo Home Mortgage asked for 60 additional days to respond on XX/XX/XXXX. I would like for XXXX XXXX President and XXXX XXXX Senior Vice President to get involved with resolving this problem. There is no need for delay when XXXX XXXX has been aware of and acknowledged receiving everyone of these complaints since before XX/XX/XXXX. 7 or more months and 7 complaints later more time is needed to do the right thing? Is that to make the CFPB think she is involved in this process? While XXXX XXXX is acknowledging receipt she has not provided a solution to resolve not a word for resolution? XXXX XXXX says we're here to help when she has allowed my home to be foreclosed on. XXXX XXXX says if you have questions, wer 're here to help, wer 're available to assist you? You can reach us at XXXX? This is the call center and I have NEVER been able to talk to XXXX XXXX. Call the call center but you can not call XXXX XXXX there is no access to XXXX XXXX or XXXX XXXX. They need to know their call center thinks this is laughable? What is funny or comical about someone losing their home of 15 years do to your mistakes? 

Since XXXX XXXX has been aware of this problem as I have been reaching out to XXXX XXXX since before XX/XX/XXXX help? The call center only has the authority to pass paper back and forth and stall for time, in this case as you are aware of at least 7 months or more with no action on your part. Please step in and take care of this wrong doing by your company to myself and so many others?

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 2023-10-02
Company: CITIBANK, N.A.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The creditor continues to commit Fraud on my credit report. The Fraud on the report is that they continue to report the account as " past due '' on my credit report, this is inaccurrate and a fraud. Because this debt is only now a " charge off '', " closed account '' over 5 years ago. The fraud reporting to my credit is causing a hardship to me and my family. The account is not suppose to keep reporting like a " past due '' account, should be reported as a " closed account, and charge off only ''. 

Due to this, it continues to lower my credit score and causing me to lose my job. The debt is over 5 years old and when I even try to pay it the company says that it is charged off and I can not even make a payment anymore. This should be only reported as a " Charge off '' and " Closed ''. this company is unfairly targeting me and ruining my chances of getting employment unfairly. I ask that they remove this inaccuracy on my XXXX, XXXX, and XXXX. 

The following Accounts need to be updated to a " Charge off and Closed Account only '' Please remove the " Past Due '' status on all my credit reports- it is inaccurate and causing my employment to be denied. It is not correct and it is Fraud. These 3 accounts need to be investigated. 

1. XXXX Account XXXX XXXX 2. XXXX Account XXXX XXXX 3. 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 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2023 To Whom It May Concern : I recently received a copy of my XXXX XXXX Trans Union credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX Account Number : XXXX and XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, 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