BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-07
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:
I am owed a few thousand dollars from the US Treasury, according to FedLoan, my student loan holder. The whole reason I'm in this mess is because FedLoan recommended I get off of IDR ( Income Driven Repayment ) at the end of 2019 because it would 'save me money ' ; instead, Fedloan raised my monthly rate thousands of dollars. I was able to work with them in XXXX and XXXX of this year to have them correct that, but even after Fedloan acknowledged their mistake and told me they fixed it, they instead continued deducting {$2300.00} from my direct debit account on XX/XX/XXXX and now, after they admitted that was their error and that I should have my money returned, are unwilling to do anything to help me get the money back from the US Treasury. I have been trying to resolve this for months and am at my wit 's end and need my money. I know a few thousand dollars is not a lot of money to some people, but it's a lot of money to my small family. I have sunk days of my life into trying to no avail to resolve this. I don't know what else to do. Please help. At this point, all I want is my money returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: MI
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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: Account information incorrect

Complaint:
according to the law these compainies are reporting improper information on my consumer report late payments or any transaction is againt the law to teport on my consumer report and should be removed asap! immediately. this company has violated me 5 times! 15 usc 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except 15 usc 1681 a-d Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
According to the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section A section 2 : It also states i 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 more 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 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 2022-03-04
Company: FISERV INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XXXX, I received a notice from the XXXX that someone filed at complaint against me. Shortly after that, I received a notice of recovery from XXXX XXXX XXXX. Apparently, someone wrote a check in my name to XXXX 's XXXX XXXX. XXXX. Check # XXXX for {$100.00}, from someone claiming they were me. I disputed the complaint online that this was not me, but someone claiming to be me. No police report was made by me because I did not make this purchase nor know about it. I have not been provided a copy of the check, so I do not know if my name was on the check. There has been no check taken out of my bank as specified.TRS has not provided me any proof of this transaction being related to me in any way. XXXX filed a complaint againt me on my credit rating report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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've recently been in constant contact with Transunion, XXXX, and XXXX  in regards to several accounts reporting on my credit file that were established without my knowledge or consent. After speaking with the local authorities, I was instructed to fill an identity theft report from the federal trade commission. Since I've completed and mailed out the form which included accounts that were from the direct result of identity fraud, I have yet to receive any cooperation or accurate verification from Transunion, XXXX, or XXXX  consumer reporting agency. I also included several addressed being reported on my credit file that I were never associated with. It now has exceed past the 30 days that the Fair Credit Reporting Act requires for the bureaus to provide accurate verification has Transunion has failed miserably. Transunion in addition has failed to block under section 605b upon being notified within 4 days of identity fraud related accounts being reported. Sections 609 and 611 also have been violated in regards to provided accurate verification and identity theft. The accounts related to identity fraud are 1. XXXX XXXX    XXXX  # XXXX, 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 explanation
Consumer complaint received 2022-05-05
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2019-10-22
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I ' m filing a complaint against Suntrust Bank For transferring funds and closing business account without my authorization. 
My business account funds were transferred in 2012. 
I was out of work due to a head injury and going through rehabilitation. For sometime I've been looking to locate XXXX XXXX XXXX   account ; A business partner went to Suntrust to transfer funds into a unknown account. 
I was not in agreement to this transaction and I did not sign anything in agreement to this unauthorized transaction. I reached out to Sun trust about this serious matter with no response.Suntrust has a record of the amount of funds transferred ; without my authorization.

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 2023-11-14
Company: Experian Information Solutions Inc.
State: AZ
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 has put information that is considered income, also after requesting validation no information was given of who they spoke to, time and date of inquiry. I asked for the address that were incorrect to be deleted and they did not. It is illegal to put negative inquiry, XXXX has continuously violated USC 1681 WITHOUT REGARD for the consumer. Numerous aliases are showing after requesting only one name to be shown.

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2020-04-07
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an unsecured card with XXXX XXXX and during the XXXX XXXX I was displaced out of my home for 120 Days. I spoke to XXXX XXXX and let them know that I wanted to work with them on this debt. I was told that they would work with me and when I called back to make a payment they told me that they couldn't take any payments from me. I've tried to resolve things with them. The credit card limit was XXXX and it been reported on my credit report {$1000.00}! They are lying on all 3 credit bureaus saying it was a {$450.00} credit limit which is completely untrue! I'm a home-bound 100 % XXXX Veteran that shouldn't be taken advantage of during a crisis in which XXXX, N.C flooded during XXXX! I sent them certified mail asking to explain the money they say I owe and i included the letters of responses from them and a collection agency LVNV FUNDING! Basically telling me that they dont have anything to say to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was reviewing my bank account, on XX/XX/XXXX, I noticed the following transactions : XX/XX/2021, two {$500.00} and {$20.00} debits, as well as the following : {$3.00}, {$9.00} and {$10.00}. On XX/XX/2021, the following unauthorized charges made against my account {$9.00}. I contacted PNC immediately by phone. The person on the phone told me that they would cancel my card. That following Monday XX/XX/XXXX, I went to my local PNC branch and informed them about the information that I disclosed to the hotline. I was issued a new card. I was informed that the charges had not posted, and that I should come back when they do. On Tuesday XX/XX/XXXX, the charges were cleared, and I filed a dispute with the bank for the total of the unauthorized charges totaling {$1000.00}. I was issued a provisional credit for this amount, while the bank investigated the matter. I wanted to file a police report, the personal banker, XXXX, said that it wasn't necessary. On XX/XX/XXXX, I received a letter from PNC ( dated XX/XX/XXXX ), saying that they determined that the dispute was resolved and that " no error occurred ''. In the letter, I was informed that I had the right to see the documentation that they used to make their determination. They have neither furnished me with documentation or rationale. Furthermore, they refused to honor my request to close my account and open a new one, or refund my money. They have stated that they are re-opened an investigation, what ever that means. 

I also filed a police report and contacted the FTC at the advice of the XXXX Police. The police took a report, and I am following their directions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: TN
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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX Balance Owed : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian will not update my new address I mailed in with my license and deleted my old address I need the follow address removed not accurate because I no longer live there, not reachable there and want to prevent identity theft 1. XXXX XXXX XXXX XXXX la XXXX 2. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX la XXXX 3. XXXX XXXXXXXX XXXX XXXX la 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 2023-07-22
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY 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 2023-03-07
Company: AFNI INC.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
They call my relatives phone for me. Dont even know how they got my dads phone number or knew that he was a relative! My dad told me so I called the number! A lady answered I asked who they were. She said it was AFNI I asked what they do and she wouldnt tell me. She wouldnt tell me her name either! She asked me what for my ssn. I told I was not giving out that info! And I wasnt answering any questions until she told me what AFNI is! I asked for a supervisor and she hung up!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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:
DEAR EQUIFAX IM SENDING YOU THIS LETTER TO PLEASE RMEOVE THE THE XXXX CODE OFF MY REPORT BECUAE I CAN NOT REVIEW MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Synovus Bank
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: Account status incorrect

Complaint:
After the good faith adjustment was honored and reported to remove all negative impact reporting to all Credit Bureaus ( XXXX, XXXX XXXX XXXX ) there was a new inaccurate 120 late pay reported to the bureaus for XX/XX/XXXX. I paid off this account in full in XXXX of XXXX, the account has been closed since XXXX and my good will letter was honored to remove all of the previous negative reporting but a new 120 late pay was added for XX/XX/XXXX. I am in the process of buying a house and this inaccurate reporting can cause me to loose the house of my dreams as well as be homeless because I have already given notice to move out of my current home. I need this inaccuracy corrected TODAY and reported to the Bureaus so that I can complete my homebuying process. I cant wait until the next reporting on XX/XX/XXXX, I need this corrected immediately. I truly appreciate your consideration and thought to my situation in advance. I have attached the written requests sent directly to the creditor as well as the statement sent to me showing last payment date, {$0.00} balance owed and account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a debt from XXXX XXXX  ( XXXX XXXX XXXX ) for XXXX that is not mines. Also a hard inquiry from XXXX, Ive Disputed these claims and talked with multiple representatives. Ive sent letters, faxs, and identity theft papers, with no resolution..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
My initial chargeback claim with Bank of America for items not recieved was denied due to a bank error, 4 months after provisional credit was issued. The sudden unexpected reversal of the provisional credit caused myself and my family an undue hardship. I contacted Bank of America 's dispute claims department and requested for a new claim to be filed since the initial claim was filed under the wrong classification. I had already contacted the merchant who was in full cooperation and ready to comply with the chargeback. I was transferred to a supervisor in the dispute claims department named " XXXX '' he declined to tell me his last name. This supervisor XXXX flat out refused to open a new claim for me, he instead told me that I had to wait for my initial claim to be " reconsidered ''. I submitted all evidentiary paperwork in advance, the claim was a cut and dry easy resolution but XXXX flat out refused to process it for me in a timely manner despite my explanation of my temporary hardship situation. He basically told me that he would get around to it whenever he felt like it. I was apalled by his rude and blatant disregard towards me. This supervisor XXXX has literally deliberately refused to process my claim for no other reason but because he can. The merchant is waiting to hear from BofA so this matter can be resolved, its been two weeks now and we are still waiting unecessarily because of a rude and childish supervisor who flat out refuses to do his job for certain customers whom he deems to be " less worthy ''. This supervisor XXXX 's attitude towards me was callous, highly unprofessional and outright disrespectful. Every other employee with BofA that Ive spoken to has been wonderful, polite and helpful. XXXX insisted that they were all misinformed that he alone was the final word. Im shocked that BofA would tolerate that kind of tyrannical behavior from their supervisors, not only towards their fellow employees, but towards clients as well.

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 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

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