BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-28
Company: AES/PHEAA
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/20 *Submitted final pay off request to satisfy my loans in full effective XXXX XX/XX/20 *Logged on aes account to see loan balance at XXXX. 
*Money still in checking acct. ( transactions can take 2-3 days ) *Contacted aes to verify payment was complete - they confirmed it was and i would receive pay off letter w/in 30 days. 

XX/XX/20 *Verified funds still in checking account *Called aes - who verified payment had been made and to give it another day or two or contact my bank. 
*Contacted my bank - they show no record of ach or payment transaction / request *Call back to aes - again verifies everything is fine. 
*Mobil Website has no information available - all functionality down due to 'account closed ' status XX/XX/20 *Verified funds still in checking account. 
*Called bank to verify. 
*Called aes to verify payment - Their records show account is satisfied. 

XX/XX/20 *Day 4 - outside 2-3 day ACH *Verified money still in account / bank has no record of request for funds. 

XX/XX/20 *Log onto AES XXXX account balance back, shows overdue account. 
*Called AES XXXX asked to speak to supervisor, They could not provide a supervisor or manager - accountant fielded my call. 
*Accountant suggested 1 ) my account number was wrong but could not explain how i had successfully paid from that same account for the last 10 years - suggested i delete and reenter account due to technical errors on their end - would not elaborate or explain why none of the 3 prior calls had caught it.

2 ) Would not issue a credit for the additional interest incurred.

3 ) Would not submit a letter stating that payment had been submitted before account was overdue.

4 ) Suggested when using the mobile account I force it to open 'web view ' for more detailed information - I found this superfluous as I picked up the phone to speak with 4 separate customer service representatives who failed to notify me of any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Credit closed my credit card without notice, without reason ( I paid every payment on time for years ). This unwarranted action reduced my credit score, and seems patently unfair and ridiculous.

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 2020-02-28
Company: Experian Information Solutions 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:
Someone stole my ID and Social Security Card including other personal items, including my computer. They later used my information to obtain Cable at an address that I have never lived, they obtained Cellular services along with a Automobile loan. The following accounts were fraudulently opened in my name and I ask that they be Deleted : XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : XXXX XXXX Opened : XX/XX/XXXX Amount : XXXX XXXX Opened : XX/XX/XXXX Amount : XXXX. 

The following inquiries were also opened in my name : XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  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
Consumer complaint received 2020-02-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX, Experian, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX have all applied unauthorized inquiries to 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 2020-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied refinance of my current mortgage at Bank of America on XX/XX/2020. The application number is XXXX. I discussed and negotiated with loan officer XXXX XXXX and the timeline as below : XX/XX/2020 : Bank of America run credit report and received FICO score XX/XX/2020 : Bank of America provided loan estimate with no points, 3 % interest rate for 15 year fixed term. 
XX/XX/2020 : Mortgage is conditional approved. There is no loan estimate on conditional approval statement. 
XX/XX/2020 : Received closing disclosure. However there is XXXX points, which is {$5900.00} listed on it. 

Bank of America keep saying this point is always there. However, I never saw this point showing up on any disclosure before XX/XX/XXXX. I would not move forward if I know the loan has points since I would not accept this kind of loan in my whole life.

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 2021-01-28
Company: EQUIFAX, 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:
There are currently numerous items listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX  Balance Owed : {$420.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Every time I try to log into Trans Union account it says I do not have the right password and username then when I can finally get someone to help me by chat if I do it two or three days later, it says it again the same process I have to start all over Im not understanding why is it doing this! I cant even see my credit report or my credit score do to try to do it just a minute ago through annualcreditreport.com

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 2023-08-17
Company: EQUIFAX, INC.
State: WA
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:
On XX/XX/2023 and XX/XX/2023, I submitted multiple letters to XXXX, Equifax, and XXXX with my concerns about things being reported on my consumer report ( XX/XX/2023 letters attached ). There are numerous inaccuracies with the accounts in question. They are not in compliance with the XXXX XXXX Standard of filing. As of now the CRA 's have not updated the status of any account nor have they notified me of an investigation and if there is one conducted they have not informed of the results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: Sterling Infosystems Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a completely different name that is on my background check information.I don't know a XXXX. I have no idea who this person even is. I don't know who that person is that is pretending to be me. They have tried numerous times to access my information.

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 2017-09-30
Company: Experian Information Solutions Inc.
State: MD
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 repeatedly asked for evidence to support their reporting, but yet again they have failed to provide me with any viable evidence bearing my signature submitted by XXXX XXXX XXXX. substantiating their claims. Furthermore, I have requested their method of verification and they have not complied, which is a violation of the Fair Credit Reporting Act.

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 2023-06-06
Company: EQUIFAX, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11
Company: EQUIFAX, INC.
State: UT
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:
Equifax has lowered my credit score by at least 7 points fraudulently. The reason give they said my account - XXXX XXXX had been closed which negatively impacted my credit score. My account XXXX XXXX is open and in good standing. This is not the first time my credit score has been negatively impacted by incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: EQUIFAX, INC.
State: NJ
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 XX/XX/2020, after pulling my credit report, I discovered multiple accounts on it that I did not recognize. Few days went by and I went file Police Report on the XXXX of XXXX, 2020. With the Police Report in my hands, On XX/XX/2020, I submitted my first dispute package to the CREDIT BUREAUS, with a list of all the accounts that were not mine. As of today 's date, I still have a few accounts that I need out of my credit report so I decided to take an extra step, contacting the CFPB for some help. Below is a list of accounts names remaining on my credit report that are not mine and they are badly affecting my credit score : XXXX and two accounts with XXXX XXXX XXXX XXXX XXXXXXXX Unfortunately, I am not able to upload my last complete package that I mailed out to the credit Bureaus, but attached are the most I was able to upload.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2021 I called because I was unable to adjust my FedLoan Servicing loan automatic payments online because the system would not allow it. I believe this is a website technical issue. When I spoke to a customer service agent I let them know I would record the call. They then looked into my account and insisted that my payments were {$500.00} instead of what is posted on the website under my account : {$90.00}. The first agent said it was not possible to change the payment amount and that I would need to pause the payment each month. Then she said that I have already used all six eligible payment pauses. However, I haven't ever paused my payment. She said she couldn't help me. I called back to say that I believed this was a website error. On my second call I told the agent that I was recording the call and that I believed that the website had an error and that my payment due should only be {$90.00}, then she said she would have to put me on hold because she wasn't sure if she could speak on a recorded line. A few moments later the call disconnected. I called back to as for help to adjust my payment and let the agent know that I was recording the call. The agent quickly said that she couldn't speak on a recorded line - I asked her to transfer me to someone who could speak on a recorded line or a supervisor. XXXX ID # XXXX told me that she would not assist me based on the fact that I wanted to record the call for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
" On XX/XX/2023, I sent a dispute letter to TransUnion concerning accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report that I believed were inaccurately reported or for which I had never provided explicit consent to be reported. Despite providing clear reasons and any supporting documentation, on XX/XX/2023, I received a response verifying certain accounts and updating another without adequate proof or clarity on the method of verification. '' " I believe TransUnion has violated my rights under the FCRA in the following ways : They failed to adhere to the permissible purposes of reporting as stated in 15 U.S.C. 1681b by allowing entities to report without my explicit consent.

The CRA did not seem to follow the proper procedure for a disputed item as laid out in 15 U.S.C. 1681i, given the lack of evidence or clarity provided in their response. 
The continued reporting of inaccurate or unverified information is in violation of 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy in credit reports. ''

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 2019-01-14
Company: JPMORGAN CHASE & CO.
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 is missing that should be on the report

Complaint:
I called chase bank couple times and see if they can add my XXXX XXXX rewards credit card back onto my XXXX  report so far no answer and it still hasnt added back to my report and its hurting my credit score and I dont want lose my other credit cards and have my score to be in a bad credit status and no one is able to added back I never called in to XXXX and reported this account fraud or request a fraud block on my chase account ending XXXX and my current credit score is XXXX and that not good at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 repeatedly asked for evidence to support their reporting, but yet again they have failed to provide me with any viable evidence bearing my signature submitted by XXXX XXXX XXXX. substantiating their claims. Furthermore, I have requested their method of verification and they have not complied, which is a violation of the Fair Credit Reporting Act.

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 2023-03-15
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account information : # XXXX, US DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Phone : ( XXXX ) XXXX : Account information : # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX : Account information : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX : ( XXXX ) XXXX Account information : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX XXXX : ( XXXX ) XXXX Account information : # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 a 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 explanation
Consumer complaint received 2021-11-12
Company: Eastern Account Systems of Connecticut, 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:
I, XXXX XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with Those reporting agencies./// These company ( EASTERN ACCOUNT SYSTEM, XXXX XXXX XXXX, XXXX XXXX XXXX ) willfully violating the FCRA. Without my direct written consent these reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf./// Those reporting agencies based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// Those reporting agencies are harming my reputation, by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) Those reporting agencies need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by Those reporting agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) Those reporting agencies may NOT furnish negative information to my consumer credit report without with my written instruction. No consent is identity theft//// THEY NEED TO REMOVE AND DELETE THESE ACCOUNTS IMMEDIATELY from my consumer credit report. Failure to delete will result in immediate action in Federal District court, and I will be seeking damages under 15 USC 1681n

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I spoke with Select Portfolio Service counselor back XX/XX/XXXX regarding my loan which was 60 days delinquent. I told them I was experiencing financial hardship and the SPS rep suggested I apply for a Loan Modification. That's when the nightmare really begins. After more than two months of back and forth, I was denied for modification and at that point, they referred my loan to a foreclosure attorney XXXX XXXX XXXX in XXXX. 
Serval times I offered to catch up payments however they would not agree to forbearance. I was advised by an attorney that my loan should have qualified for a modification because of my hardship and the type of loan rate ( 7.5 % ) and broken chain status on my title. I had informed about my hardship back in XX/XX/XXXX during the U.S. Government shutdown and my being a vendor pay was affected. SPS never helped me in this situation they accelerated their foreclosure process and dual tracked me while I sought their assistance. I want to keep my home and I need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation