BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-01
Company: AES/PHEAA
State: MN
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I filed chapter XXXX bankruptcy in XXXX. XXXX XXXX XXXX ( " XXXX '' ) Owned the right to collect on my private student loans that I received from the XXXX XXXX SCHOOLS prior to my bankruptcy. American Wducation Services ( " AES '' ) serviced my XXXX loans and XXXX XXXX XXXX was the debt collector hired by AES when I went 180 days past due. XXXX themselves entered bankruptcy in XXXX and was bought out by XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ), only to itself enter receivership in XX/XX/XXXX. Through these bankruptcies and ownership changes I was concerned that AES was not accurately updating me on the status of my loans. The credit reporting agencies listed the debts as closed, not only on my credit report. But on both of my cosigners as well. This took place XX/XX/XXXX. Only to have the debts reappear as open in XX/XX/XXXX. I then began to receive new payment demands from AES. I contacted AES in XXXX asking them to verify the closing of my accounts and to verify the owner of the loans. To which they responded, the loans were open and I still needed to pay, even though XXXX was closed. AES denied that XXXX was closed, and said until they receive notice from XXXX they will continue to request payment and send it to XXXX. AES has still claimed they are sending money to XXXX, even though there is no such company to send money to. As of XX/XX/XXXX through XX/XX/XXXX AES has taken a total of {$5600.00} from me knowing XXXX no longer exists. I want my money refunded and all loans through XXXX to be removed from my name. AES keeps saying they will make a negative remark on my credit report every month that a payment isn't made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Showing old accounts over 7-10 yrs closed and credit score dropped XXXX points and credit bureau can not explain why? 

I went from XXXX to XXXX and my accounts are paid up in advanced by XXXX months or more and on time 100 %. 

In fact, it should be well over XXXX points. I have compared my report to other reports that are not in so good standing and theirs are far better than mine. 

I am really questioning if credit reporting bureaus is a discriminatory system, because there should be no way people who have a 20 yr negative debt on their report with no loans or credit with a score of XXXX which is way higher than mine, at XXXX. I am just baffled? Of whom the person is non XXXX American.

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 2021-03-25
Company: EQUIFAX, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS
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:
on XX/XX/2021 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer application, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX has not reported on my TransUnion since XX/XX/18 as paid or current as by my report Transunion File # XXXX XX/XX/2018 I have paid as agreed and have all of my money orders as proof as paid.

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 2019-11-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA
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:
I was shocked when I reviewed my credit report and found late payment on XXXX & XXXX of 2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: SYNCHRONY FINANCIAL
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Re : ROTH IRA for a Descendant Have sent 3 Letter 's of Instructions over the past 8 months to close a Descendant ROTH IRA of over {$220000.00} and still have not received a check. 

XX/XX/XXXX and XX/XX/XXXX mailed and faxed Letters of Instruction to XXXX XXXX. " XXXX '' in the IRA Dept instead XXXX documents to transfer funds into an Estate Account. We do not want to do that. We want to close the account. 


XX/XX/XXXX Sent another Letter of Instruction. No response.

XX/XX/XXXX telephoned XXXX XXXX. " XXXX '' in IRA Dept stated that " no supervisor is available '' nor " no Manager on Duty is available '' and " XXXX '' could not assist. Then she found Supervisor " XXXX '', who refused to give us his surname, to be available. 

" XXXX '' said he is a Supervisor but could not assist us. We gave him our name, account number and telephone numbers. We await 48 hours for him to read the file and get back to us. 

Descendant passed away 1 year ago and to this date, we have been unable to close this ROTH IRA account. The Descendant 's two other accounts at XXXX XXXX were successfully closed.

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 2018-03-30
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Two weeks ago Citibank stole over 1 million of my and my wifes XXXX XXXX, which were earned over a 40 year relationship with the bank, by closing our credit cards without notice. Citi asserts that once a card is closed the points are forfeited. But we did not close the cards! We were completely blindsided and were not offered an opportunity to access our points prior to their shocking action in terminating our cards without notice. Despite having absolutely clean credit records compiled over 40 years of banking with Citi, we were neither given a reason nor the ability to challenge whatever faulty logic they used to cancel our cards and usurp all the points we had earned over a lifetime of business with Citibank. It is appalling, and wrong, for Citibank to confiscate assets without a ) providing a specific reason, b ) allowing for a prior discussion to prevent wrongful closures, whose impact negatively affects consumers and c ) most importantly, does not allow consumers to access and dispose of their hard-earned points prior to a secretive analysis by a bank to close accounts. We can demonstrate that the value of the over 1 million points Citibank stole easily exceeds {$50000.00}. The combined annual fees on the cards Citibank closed approaches {$2000.00} ; Citibank has not offered to refund those either. Further, Citibanks precipitous action has harmed our near perfect 45 year credit history, which will cause irreparable harm to our finances. Without appropriate and immediate relief, we will pursue every avenue to recover substantial damages from this wanton act by Citibank in closing our credit cards and seizing our valuable Thank You point assets.

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 2019-08-20
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I filed a dispute on XX/XX/2019.  See attached.American Express misclassified my dispute and it was denied.My dispute was not for fraud it was filed because the ATMdid not dispense certain transactions.It has been 42 days as of this writing and I have not beenissued provisional credit in accordance with Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
On XXXX XXXX, XXXX I contacted XXXX XXXX XXXX  regarding a account that they had in collections in the amount of {$790.00}. I spoke with a representative that stated that I had to send her boss an email stating a " Cease and Desist '' on the current complaint which I sent to XXXXXXXXXXXX. The representative stated that this would have to be done before I could pay to have the account settled, closed paid in full for the amount of {$400.00}. XXXX XXXX also promised/assured me that after I gave them my routing number and bank account number to process payment I would be sent a letter via email stating that the account was paid in full /settled I then provided my routing number and account number to my bank to process the payment. After waiting for most of the day I did not receive anything. I contacted XXXX XXXX but no response. XXXX XXXX, XXXX I contacted XXXX XXXX XXXX regarding the same issue as I had not received the letter. I spoke to another representative who then spoke to her supervisor XXXX XXXX who e-mailed me rite away with a letter stating that if I did not pay the balance by XXXX XXXX, XXXX the payment agreement would be null and void. 
I have paid the full amount of the payment agreement, but on all 3 of my credit reports it is being reported with a balance of {$390.00}. There should not be a balance at all nor should it be being reported as open account. This account should be reported with a {$0.00} balance, settled, paid in full, closed on all 3 credit reports from XXXX, Transunion, and 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 2019-03-12
Company: CITIBANK, N.A.
State: WI
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:
This debt was included in a amortization of debt. We filed in XX/XX/2018.  And was a court order payment plan. I have tried several times to get the bank to fix my account. They charged off my account after the court order and sent it to a collection agency. They are breaking the Wisconsin law. The trustee notified citi bank in XX/XX/XXXX about the plan and did accept the agreement. This account should be current since XX/XX/XXXX and not a charge off collection I have spoke with there attorney and was told they have nothing to do with the way citi bank is reporting the payments. He told me he would contact them. Never heard back. I just received a letter from citi they claim they are correct. Not true

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 2019-03-01
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX a debt popped up onto my credit report stating I owe money to a company called XXXX XXXX XXXX. The newest company to claim this debt which shouldn't be coming back to me. This debt was a very old bill which I have already shown was fraudulent multiple times before and had it removed. Yet it keeps getting sold and put back on. The debt claims it was opened in XXXX of last year. I disputed and I'm not sure what proof they provided but it was not deleted and still the dates claim I had an account with them in XXXX of last year. This is not true or anywhere near true and it needs to be, once again, removed from all credit reports and not sold this time to ruin my credit once again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Huntington Bank HELOC Truth in Lending Violation. 
XXXX Received Customized Proposal based on completed home appraisal : was 4.94 % minus a .40 % discount for a {$40000.00} draw at closing. On my first log-in to set up my online banking, my % rate was 5.6 %. Only fix offered to me was to redo the entire loan and do another {$40000.00} draw and still would not get the rate promised. Additionally, I was told by XXXX XXXX, I can lock my rate at any time for {$75.00} or remove the lock for {$75.00} which is not the case. As informed today i can lock it, but it will be even higher the my current rate. 
Signed the loan docs and returned to company on XXXX, notarized, received nothing from them until XXXX. 

Program Home Equity Line of Credit Prime Rate 5.25 % Line Amount {$100000.00} Margin to Prime -.31 % Initial Interest Rate 4.94 % Available Balance {$100000.00} Monthly Interest Payment {$0.00} No closing costs. 
Annual fee of {$60.00}. ( The initial fee will be charges on your first billing statement then annually, thereafter. ) Lock your balance into a fixed rate at any time. 
Offer above includes either a 0.25 % discount for taking a new money draw at closing in the amount of {$25000.00} or for line amounts {$40000.00} and above the rate includes a 0.40 % discount for taking a new money draw at closing in the amount of {$40000.00}. This discount does not apply when refinancing an existing Huntington Bank line or loan unless an additional {$25000.00} or {$40000.00} is being financed.

The APR for the home equity line of credit is variable and can change monthly, but will never be higher than 18.00 %.

The Floor rate for the home equity line of credit is currently 2.96 %.

Home Equity Line of Credit variance is tied to US Prime Rate - currently prime rate listed in table above.

Making only the minimum payment during the first 10 years will not reduce the principal balance on the account. 
Offer is based on customer estimated property value of {$570000.00} ( 17.54 % LOAN TO VALUE ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions 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 am a victim of identity theft. I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX My name is : XXXX XXXX XXXX - XXXX : XXXX SS # : XXXX My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX CT XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX My current telephone number is : XXXX All other telephone numbers are not accurate. Please REMOVE/DELETE these telephone numbers IMMEDIATELY : ( XXXX ) XXXX My current employer is : 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 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2018-09-22
Company: AES/PHEAA
State: PA
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:
XXXX XXXX XXXX has not reported on my XXXX since XX/XX/18 as paid or current as by my report XXXX  File # XXXX XX/XX/2018 I have paid as agreed and have all of my money orders as proof as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: AES/PHEAA
State: OH
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:
XX/XX/XXXX I contacted XXXX XXXX to have my direct loan transferred to qualify for student loan forgiveness. I am a XXXX XXXX with XXXX XXXX XXXX ( XXXX, OH ) and have been paying my loans on time since XX/XX/XXXX. I believed I would qualify for student loan forgiveness based on the fact that my student loan payments increased yearly. I believed I was on the correct payment plan. I was never told by XXXX XXXX that I wasn't on the correct plan. When I transferred to XXXX XXXX they also didn't tell me, my loan payment dropped to $ XXXX. I thought it dropped because I qualified for student loan forgiveness and they were reducing my loan payment because I would soon be done with paying my loans. I didn't realize I would not qualify for student loan forgiveness until XX/XX/XXXXafter I  called XXXX XXXX  asking when my loans would be discharged. I called XXXX XXXX and was told I would have to change my loan repayment plan and it would take another 10 years of payments to qualify for student loan forgiveness. I WAS DEVASTATED, IN TEARS!!! That would be almost 30 years of payments. There needs to be better communication from the loan companies, I had no idea I was on the wrong plan. I was told by XXXX XXXX nothing could be done even though I've been faithfully paying my loans on time for almost 17 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX has reported my account as paid late 30 - 59 days twice wrongfully : 1. Reported on XX/XX/XXXX a payment status of 30 days and an amount delinquent of {$640.00} my payment was due on the XXXX of XX/XX/XXXX, I paid and the payment posted on XX/XX/XXXX the amount of {$650.00} and XXXX XXXX processed the payment on that same date. Given that XXXX in XXXX has 28 days this means that my payment was made and processed on the 28th day and not 30 days or more. By law they should have not reported a payment made before 30 days as a 30 to 59 days late. Now this is reported on all major credit bureaus and XXXX XXXX is refusing to acknowledge and abide by the consumer protection protocols and laws. 

2. Reported on XX/XX/XXXX a payment status of 30 days and an amount delinquent of {$640.00}. my payment was due on the XXXX of XX/XX/XXXX, I paid and the payment posted on XX/XX/XXXX the amount of {$640.00} and XXXX XXXX processed the payment on that same date. Given that XX/XX/XXXX was a Saturday this means that my payment was made and processed on the XXXX but what XXXX did is that they counted the week end and end of business the following Monday and reported my payment to the credit agencies as paid on XX/XX/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