BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-09
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XX/XX/XXXX Disbursement {$16000.00} - Consolidation of loans to lower my payment amount ( previously under AES with the IBR plan ) XX/XX/XXXX Re-certify IBR documentation and put on forbearance for 3 months XX/XX/XXXX Receive bill for XXXX ( past due ) XX/XX/XXXX Spent several days trying to solve this issue with them over the phone. Then the next even happened and everything seemed to be in motion to lower my payment amount which was quoted to be around {$45.00}. XX/XX/XXXX Payment of {$85.00} ( original amount under XXXX ) to get current. XX/XX/XXXX Payment of {$5.00} forbearance fee which was explained to me over my phone call in XX/XX/XXXX. XX/XX/XXXX Current Payment Due : {$140.00} on XX/XX/XXXX when quoted over the phone of a payment around {$45.00} with IBR ( I believe it was the REPAY plan specially ) The entire reason I signed up for consolidation was to be able to afford my student loan payments. Under XXXX my payment amount has doubled from the previous servicer, my IBR seems to not have taken effect and now my current FedLoan bill is MORE than the original FedLoan bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-09
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:
There are XXXX liens on my XXXX credit report that do not belong to me. I have asked for verification from XXXX and they failed to do so. I contacted the courts they do not report to 3rd party agencies nor do they give out any information from the courts on the phone. I sent a method of verification to all the credit reporting agencies and got no response and its been over 30 days. These do not belong to me and I want them removed immediately. XXXX is not the method of verification. I called the courts and they did not give no one information. Remove immediately! I will start legal action if needed.

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 2017-07-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On X/X/17 I disputed an account that is reporting as a collection with Equifax for XXXX XXXX XXXX. The account came as verified and updated but had they verified the account the few times I have tried to dispute they would have seen that XXXX XXXX XXXX owes me {$100.00} for a deposit they kept of mine. That I now have to go through the treasurer of my state to collect. I am requesting that the negative listing be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX .... and XXXX XXXX are fraudulent accounts reporting on my Experian CREDIT REPORT.I have never at any time ordered anything from either company.Either someone used my information or it is an error of the creditor.They both accounts should be immediately removed from my credit report. 
XXXX XXXX XXXXXXXX XXXX .... is a paid in full account.The current description as a chargeoff/collection is inaccurate and either should be corrected or preferably remove the account.

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 2017-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hi I have tried to get Trans Union to remove inquiries from my account that were reinserted do to their consumer breach means they violated sec. 611 fcra act. INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2017-07-09
Company: CITIBANK, N.A.
State: NY
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: Problem with personal statement of dispute

Complaint:
XXXX agreed to remove me from their database and not to wait 5 years, if my banks XXXX XXXX. and Citi Bank intervene and tell them to remove me, since I payed the balance of {$330.00} to Citi Bank and {$850.00} to XXXX XXXX. However, nobody took steps into correcting this and removing me from the database so I can get my life back.

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 2017-07-09
Company: EQUIFAX, 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:
There are XXXX liens on my Equifax credit report that do not belong to me. I have asked for verification from Equifax and they failed to do so. I contacted the courts they do not report to 3rd party agencies nor do they give out any information from the courts on the phone. I sent a method of verification to all the credit reporting agencies and got no response and its been over 30 days. These do not belong to me and I want them removed immediately. XXXX is not the method of verification. I called the courts and they did not give no one information. Remove immediately! I will start legal action if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Just notified on XXXX XXXX, 2017 that the company, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ran a hard credit inquiry. 

I did not authorize it. 

I cancelled their contract over 4 years ago and have no intention of using them ever again. 

I believe they are trying to find a way to charge one of my credit accounts. 

I want that inquiry removed from my credit report immediately.

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 2019-04-05
Company: Check N Title Loans
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I applied due to electricity being turned off ... .I have XXXX XXXXXXXX XXXX from XXXX XXXX so a/c is crucial to my proper breathing. When I saw t payments of {$60.00} ... I was COOL but that 6th payment was XXXX! WOW!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
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:
XX/XX/19 TransUnion LLC has made it very difficult for me and I would assume many other Americans to make timely purchases by not making available to us the feature on their website ( as promised to us when we signed up for the service ) to " unfreeze '' our credit files online. Without this feature available to consumers. Transunion   requires consumers to send in paperwork ( snail mail ) to their offices and it takes many weeks to get that process completed. By that time in the case of say of an unique antique or used car the item my be lost to another buyer. Time is often of the essence. This is effecting our credit. It is an unfair practice. The other two credit bureaus have no problem identifying me and unfreezing my credit  properly as promised. I expect the same from TransUnion.

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 2019-10-18
Company: Experian Information Solutions Inc.
State: GA
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 XX/XX/2019, I XXXX XXXX XXXX, disputed an account reported by XXXX XXXX. I was informed in XX/XX/2019, that the item was deleted from all of my credit reports. I have recently discovered XX/XX/2019, that a collection item has been re-inserted by an entity known as XXXX XXXX XXXX who has illegally reported a collection on all three credit bureaus. I have NO such business dealings with this company and ask they provide signatures stating that we have an agreement. I request that the collection item be removed permanently from XXXX, Experian and XXXX XXXX credit agencies immediately as my credit has suffered from this form of identity theft. 
Again, I have had NO such business agreements with XXXX XXXX XXXX and demand swift deletion off all of my credit reports. The next step will be legal action against this entity and the bureaus that continue to report this fraudulent activity.

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 2017-11-13
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Just notified on XXXX XXXX, 2017 that the company, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ran a hard credit inquiry. 

I did not authorize it. 

I cancelled their contract over 4 years ago and have no intention of using them ever again. 

I believe they are trying to find a way to charge one of my credit accounts. 

I want that inquiry removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint was submitted previously complaint number : XXXX In the previous complaint the creditor stated a letter was sent to all three bureaus to have this deleted from my credit report ; however, this is still reporting on ALL 3 bureaus. I would like the letter to be sent directly to me as well as the reporting agencies. I think enough time has been allowed to get this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
On XXXX XXXX a family member discovered that the home located at XXXX XXXX in XXXX, NC was not longer there. Through research I discovered that the city demolished the resident, but I was never notified. However Navy Federal Credit union was notified and never informed me. A employee at Navy Federal signed the return receipt and provided it back to the city, because I was never notified and did n't know problems existed, the property was demolished. The home was demolished at the beginning of 2017.  After discovering this has taken place I spoke to the city inspector and after he looked further into the case that 's when I found out that Navy Federal was made aware and I was provided with a tracking number for the letter that was mailed to them. After discovering this I contacted XXXX XXXX and Navy Federal and told him everything that I have stated and I was told that I still owe the unpaid balance for the property even though it no longer exist and Navy Federal knew the property was going to be demolished and never told me. I also spoke to XXXX a supervisor and I was told the something. 

Additional information : Navy Federal charged this loan off, but is still showing that I own the property and states that I 'm still responsible for the unpaid loan balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019, I signed up for TransUnion 's TrueID app and service and, through the app, locked my credit account as a security precaution. Within one week of doing so, my credit score dropped more than 50 points. This is despite the fact that no major events occurred. In fact, all that occurred, per the company 's own admission, is that my balances went down ( as they had been every month prior ) on my home loan, auto loan, and two credit card accounts. The company told me that the significant drop was " normal. '' However, my XXXX score ( which lists the exact same accounts ) remained unchanged and is still generally unchanged. 

I simply find it not credible that they do not somehow link my usage of the TrueID app to my score given that they can not provide any other specific reason for the score decline.

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 2019-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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 paid off a creditor in XX/XX/2019, on transunion it is still listed as a derogatory remark. Only transunion is late in clearing this remark. 

The Company I paid was XXXX XXXX, XXXX / original debt. owed to 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 2019-06-15
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I have attempted three times since XX/XX/2018 to remove accounts from my report that does not belong to me. Each time Equifax says the accounts are verified but again, they do not belong to me so of course when asking for verification there isn't anything to show as well and I have already sent my identity theft affidavit to them each time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-02
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I currently bank with us bank and was a victim of fraud where someone cashed checks out of our business account. I filed a claim with the bank and went through a lengthy paperwork process and got the funds refunded back to me. Then few months after the same thing happened and I went through the same process of filling a. Claim and police report. After 2 months I get a letter stating my claim was denied. I contacted the bank immediately and was told that in the claims paperwork was a form called the indemnity Agreement which relieved that bank for any future fraud. At no point was I explained what I was being asked to sign nor was I ever told to close my account down. I have been left high and dry by my own bank and has put my business in a financial bind due to the non reimbursement of the fraudulent charges.

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 2022-03-02
Company: Bread Financial Holdings, Inc.
State: NE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had two deferred interest plans on my Zales ( Comenity ) account. I paid extra every single month to make sure they were paid off in time. Comenity did not credit my payments correctly, so that they could tack on the accrued interest. I'm attaching a detailed description of exactly what they did. Now, the account has been sold off a few times and I'm taking a hit on my credit because of all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: ERC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this enhanced recovery corp account and did not get a proper dispute result. The validation letter I sent reads as such : I checked a copy of my credit report and realized that there was a collection reported from your agency, which I was not notified about. I do not reject to provide with the debt amount. However, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), that your claim is disputed and a validation is demanded. This is asking for proof regarding the debt that I owe and verifying it.
I am requesting you to stop all collection activities including reporting this information on my credit report. I am sure that you are aware of the fact that non-compliance with this request may end up in legal obligations.
<P/>
Please dispatch copies of the following with your reply : 1. The agreement which authorizes you to collect debt on the assumed debt.
2. The signed agreement from the debtor confirming to pay the debt.
3. The documents regarding the payments made on this account and validation of the amount.
<P/>
enhanced recovery corp failed to validate this account. This account need to be removed immediately. enhanced recovery corp is violating the laws. There are two accounts from Enhanced recovery corp on my credit that needs to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from the CBE group today stating I owe {$460.00} for XXXX XXXX Account XXXX with a date of service XX/XX/XXXX. I  am contacting a Lawyer tomorrow! I read through this notice and saw on XX/XX/XXXX XXXX XXXX is saying I still owe {$97.00} after {$3400.00} has been paid! I called them and told them I paid this account in full in XX/XX/XXXX by settling with the collection agency. They then REMOVED THE COLLECTION from MY CREDIT! WHY IN THE WORLD ARE THEY NOW TELLING me I owe {$97.00}. This is not all! They send me a notice, same day stating I owe {$370.00} for account XXXX. THIS COMPANY AND XXXX XXXX HAS YET TO PROVDE ME AN ITEMIZED LIST OF WHAT I AM BEING BILLED FOR WHICH IS A VIOLATION OF FDCPA! The have an auto dialer call me with an automated person speaking! I can never speak to anyone! They have time and time again ruin my credit! They place accounts in collections and then after months of fighting to prove them wrong, the accounts are removed. But my CREDIT is already impacted! I have a higher rate on my loans due to their erroneous credit reporting! This is still not all! XXXX also has account XXXX, this is for my Son. I have issued TWO CFPB complaints XXXX, XXXX where XXXX has FAILED TO ISSUE ME WITH AN Itemized list of the charges! Someone really needs to look into the charges for XXXX account XXXX and XXXX!!! There is medical billing fraud with these two accounts. There is also violation of FDCPA and TCPA as well as UDAAP. The department of Justice needs to investigate XXXX XXXX, XXXX XXXX and The CBE Group! I have spent countless hours asking for a list of all charges and disputing the amounts owed and no-one is doing one thing! All they do is call 20 times a day, they are rude and threating! My Husband gets harassing calls every day for account ending XXXX! Again along with ago XXXX, I HAVE PAID FOR THE ACCURATE AMOUNTS OWED! I am being charged for items that I DO NOT OWE!!!! This is being proven by their content lack of ability to provide me a line by line list OF ALL CHARGE! It is really said I am being abused like this! I have XXXX XXXX who NEVER answered my request! They sold the account to XXXX who then sold the accounts to The CBE group! I think they look for Women to take advantage of! I really do!!!! They threaten my Credit when I ask for the itemized list! Again FCDPA violation!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: AES/PHEAA
State: OH
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:
I have been making qualifying PSLF payments since XXXX XXXX on my direct student loans. I signed up for the program and have submitted 3 employment certifications since I signed up in XXXX. They are for some reason not counting payments I made from XXXX even though nothing changed. I always paid on time and was on an IBR and worked for the same company ( a XXXX XXXX community hospital ) from XXXX-now. I also noticed a qualifying payment rollback by about half during the XX/XX/XXXX billing period to which they can not account for. I called today XX/XX/XXXX to try and get this fixed and they said they will review it in the next 60 days, however I ca n't help but feel they have completely XXXX up my PSLF payments. I should be done paying in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief