BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXXXXXX XXXX  Account : XXXX XXXX This account is reporting inaccurate and incomplete across all 3 consumer reporting agencies. This is a violation of my rights and 15 USC 1681 s-2 as well as 15 USC 1681 e. 

After asking for method of verification from XXXX, Experian, and XXXX whom have failed to provide any response. This account is reporting inaccurate according to the XXXX XXXX XXXX XXXX. 

After stating the account has been updated or verified, how is that possible if the account numbers are different, as well as different open dates, different payment history, and last activity dates are different as well. This shows the account is incomplete and inaccurate. 

I also mailed XXXX XXXX XXXX and they have failed to provide the information I requested. I requested Notice for validation of debt per se 12 CFR 1006.34c. 

I have attached below all Exhibits Certified Mail sent to data furnishers of information below. 

This account needs to deleted from my account because it is incomplete and inaccurate.

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 2019-04-01
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am a military member in the XXXX XXXX. My military benefits include {$50000.00} of student loan repayment. I have GATE loans with AES/PHEAA as the servicing agency and National Collegiate Student Loan Trusts as the lender. The XXXX paid {$5200.00} towards my Gate loans in XX/XX/XXXX and {$5300.00} in XX/XX/XXXX. These payments go towards principal. When I was on XXXX XXXX orders for training and XXXX the last two years, I had no problem deferring my loans. Now I am on an accelerated repayment schedule, they are trying to make me payback approximately {$2000.00} a month on approximately {$25000.00} in Gate Loan debt when I still have four more years of SLRP principal payments plus one additional year of partial payment of approximately {$2500.00} that the government will pay on my behalf. I have been trying unsuccessfully to change my payment terms to interest only, so that I do not have to pay back money that the XXXX will be paying off on my behalf. AES has stated that National Collegiate Student Loan Trusts have been non-responsive and/or will not grant my request. I have faxed them two different letters and have spoken on the phone countless times. I am an XXXX Veteran who has earned these military benefits. The fact that these companies will not work with me to allow me to use the benefits is unacceptable. By changing my loan to interest only, the lender has the best chance of getting their money. I have not found a way to contact NCT Directly. AES has been horrible on the servicing. Everytime I call into AES, I get a different person and have to explain my situation all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ).

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: DISCOVER BANK
State: TX
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:
We dropped a vehicle off at a repair shop. The employee who took the car in did not say anything in writing or verbally about a diagnostic fee. When we picked the car up the shop added {$75.00} to the bill for a diagnostic fee. This came as a total surprise as it was not disclosed. The owner refused to remove the charge from my invoice so I disputed the charge through Discover Card. The merchant provided an invoice and statement that effectively said their terms and conditions provide for a diagnostic fee, so Discover disallowed my dispute on XX/XX/2021. I disagree with Discover 's decision because the merchant did not provide documentation to prove that they disclosed the fee to me. General terms and conditions that were not provided is not proof that the charge is valid. The charge is invalid because it wasn't disclosed before the work was done and we didn't have an opportunity to decline it and take our vehicle to a different shop that doesn't impose such fees. The burden should not be on me to know every detail of this businesses terms and conditions when their terms weren't made available or disclosed when we dropped off the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: BANK OF HAWAII CORPORATION
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:
Bank of Hawaii failed the ID verification responsibilities under 12 CFR Part 222 Subpart J - known as Reg V. 

A fraudulent account was set up in the Bank of Hawaii using my personal information and a suspicious transfer was deposited in my account with XXXX XXXX XXXXXXXX for {$0.00}. I alerted Bank of Hawaii of this fraudulent transaction and fraudulent account by calling their fraud department. I was told they would freeze the account and conduct an investigation on XX/XX/23. They told me that the account could not be closed until an investigation was completed. 

The next day, XX/XX/23, {$4700.00} was debited from my XXXX XXXX XXXX  account and transferred to the Bank of Hawaii. Bank of Hawaii failed in their duties to verify the identity of the account holder requesting to open an account with their bank, failed to prevent theft when warned, and failed to close a fraudulent account when asked. 

The account balance remains outstanding, XXXX XXXX XXXXXXXX and Bank of Hawaii have failed to make me whole in this instance of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Block, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I filed dispute for an unauthorized transaction and cash app closed my account on XXXX 

The unauthorized transaction occurred on XX/XX/XXXX for {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: OH
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 attempted to handle this with Experian several times. Please be advised that this is causing defamation of character and causing financial damages and hardships. I will constitute a failure to provide such a response within 7 business days as your acceptance that this debt is not valid. PLEASE VERIFY, VALIDATE, AND send me DOCUMENTS with the proper documentation that I am LEGALLY OBLIGATED to pay this alleged debt. A simple response or answer of being VERIFIED does not make up a legal or lawful response. I DEMAND THAT YOU REMOVE ALL THE FOLLOWING ACCOUNTS IMMEDIATELY. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-19
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
total amount of false debt {$230.00}. 

IC Systems debt collection company for XXXX. This company is trying to collect a cable TV bill. I advised this company this was not my bill. They provided a falsified XXXX  bill dated XXXX stating the total balance due at a certain address was {$230.00}. I have not lived at that address in XXXX  years. 

IC Systems has also notified the credit bureau of this false delinquent loan which will adversely affect my ability to obtain credit in the future

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 2023-10-19
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:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX and 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 2022-11-30
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
On XXXX I reached out to TransUnion, XXXX, and XXXX and talked to XXXX from TransUnion, XXXX from XXXX, and XXXX from XXXX. They all told me to submit this report with a copy of my ID, Social, and Bank Statement proving my identity and my current address. The account that they are reporting is showing inaccuracies and inconsistencies and they are obviously reporting this illegally.

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 2023-06-30
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX as known as XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by moreover than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
There are 2 names on my Trans Union credit report. 
One is correct, and the other is what appears to be a miss spelling of my name. 
Example. 
xxx xxxxxxxxx and xxx xxxxxxxx.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. 
XXXX XXXX XXXX BK OF AMER 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 2018-06-24
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have a collection account reporting wrongfully as a re-aged account on XXXX and Equifax bureaus.I have disputed multiple times and provided sufficient proof for the bureaus to act unilaterally.The account is XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX.XXXX DELETED UPON PROOF OF RE-AGING.

If XXXX AND EQUIFAX READ THE CFPB COMPLAINT AGAINST XXXX XXXX attached here, along with the other proof ... ..

they should be able to delete the account without any further lies from their subscriber.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
I am submitting this without any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

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: EQUIFAX, INC.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
On XX/XX/XXXX my XXXX  card had overdrafted while I had overdraft protection. XXXX closed my secured building card XXXX  reported it to 3 credit reporting agencies and I lost XXXX points due to XXXX  inaccurate " credit card closing '' its a prepaid card not credit card. On XX/XX/XXXX I dispute with XXXX  on XX/XX/XXXX XXXX  stated a error did occur in XX/XX/XXXX that caused me to lose XXXX points now I want my points lost and the credit reporting agencies are refusing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: TRANSWORLD SYSTEMS INC
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: PNC Bank N.A.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I was merely trying to link my account so that several creditors could be reported to the 3 reporting agencies. They report all negative but very few good credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-08
Company: AES/PHEAA
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 status incorrect

Complaint:
I was most recently a full time XXXX student at the University XXXX XXXX at XXXX ( 12 credit hours ). The school or whoever incorrectly reported or delayed reporting that I was a fulltime student there. This caused loans to become due. When I checked my credit report I noticed XXXX had reported my 10 loans as being delinquent. When I contacted them they verified my enrollment status and said they would fix it. It is taking way to long also it appears that my first request for removing the items of my credit report was not processed ( they told me to expect it removed within 60 day ) or had missing paperwork. I called again and they assured me they would resolve this but had not processed my original request because missing paperwork that they would send me in the mail as soon as possible. They stated once I turn the paperwork in they would remove items off my credit within 3 weeks. My credit report needs to be fixed IMMEDIATELY. I am in XXXX so many of the jobs I am applying for requires background checks and in some cases an actual security clearance. Because of incorrect reporting it appears that I have 10 loan accounts which are in default. I am restricted in my job search right now until this gets resolved. Employers don't have time to hear an explanation for why I have 10 loans in default. This needs to be fixed immediately so I can move on.

Company response to consumer: Closed with non-monetary relief