BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 been sending dispute letters for how many months now to no avail. The accounts XXXX XXXX ( Original Creditor : MEDICAL  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : MEDICAL  ) XXXX are still being reported on my credit report when they don't belong to me.. Transunion can't even give me sufficient proof as to why they wont remove them.. Simply giving out a computer print out is definitely not enough proof..CFPB please step up and remove the accounts

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 2018-11-28
Company: Experian Information Solutions Inc.
State: DC
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 been sending dispute letters for how many months now to no avail. The accounts XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, are still being reported on my credit report when they don't belong to me.. Experian can't even give me sufficient proof as to why they wont remove them.. Simply giving out a computer print out is definitely not enough proof..CFPB please step up and remove the accounts

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 2019-09-03
Company: NAVY FEDERAL CREDIT UNION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
- On XX/XX/2019 I discovered my Navy Federal Credit Union accounts were restricted. I was unable to withdraw money or pay my bills.

- At the time this happened my household had over {$300000.00} with the credit union. This left us in a very difficult position.

- I called the credit union and sent them numerous messages asking them why they restricted my accounts. They only told me there was suspicious activity on the account, but would not explain what activity was suspicious.

- I received a letter from the credit union today. The letter stated my accounts would be restricted for another 30 days and any remaining money in he accounts would be mailed to me.

- I am unaware of any suspicious activity on the accounts. I have been making deposits, withdrawals, bill payments, and cash advances from my accounts for the 4 years I have had accounts with the credit union. Nothing has changed recently. My activity on these accounts has been consistently within the confines of the contracts I have signed with the credit union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: AES/PHEAA
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 XX/XX/XXXX FedLoan first report my student loan as being delinquent, after a few months I defaulted on the student loan and it was transferred from FedLoan to XXXX XXXX XXXX. ( The phone number for FedLoan is XXXX ) ( The phone number of XXXX XXXX XXXX is XXXX ) There at XXXX XXXX XXXX I made a series of on-time payments. The loan was taken out of a default status and was given a positive status. Any negative past reporting was supposed to have been deleted at this time. FedLoan did delete the negative reporting from my XXXX but not from my XXXX or XXXX, to this day they still show negative reporting and show my 5 FedLoans to be in a collections status. 
After making the series of successful payments with XXXX XXXX XXXX the loan was transferred to XXXX XXXX XXXX XXXX. ( XXXX XXXX XXXX XXXX phone number is XXXX ) I continued making on-time payments to XXXX XXXX XXXX XXXX and paid the loan off in full in XX/XX/XXXX. So the student loans have been fully paid off. 
For some reason FedLoan never deleted the collection status from my XXXX and XXXX. They did delete it from my XXXX report but not the XXXX or XXXX as they were supposed to have done. Once my student loans were out of default and reflected a positive status Fedloan was supposed to go back and delete any negative reporting from my credit reports with all 3 bureaus. Because FedLoan has not done this my XXXX and XXXX credit scores are far lower then they should be. This inaccurate reporting is effecting my XXXX and XXXX scores in such a way as to even prevent me from qualifying for a mortgage loan. When I call FedLoan to resolve this the customer service representatives I speak with over the phone act as if they don't know what to do or how to help me. Since the students loans were transferred after I defaulted to XXXX XXXX XXXX they act as if there is nothing they can do

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I've received MULTIPLE phone calls for months from telephone numbers that are similar to my own so that I feel more inclined to pick up. 

They call themselves " Sunrise Credit Services , Inc. XXXX XXXX XXXX XXXX , NY XXXX telephone XXXX '' and have tried to collect a " debt '' from me for XXXX XXXX XXXX in the amount of {$60.00}. I do not, nor have I ever owed this amount and have confirmed with XXXX XXXX XXXX that my account is in good standing. 

I have threatened to report them several times they've called ( and now I'm finally doing it ), but they are persistent and the phone calls turned in to mailed letters requesting payment.

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 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I sent a letter to Transunion to provide physical verification for an account that is being reported on my credit report, and for those items to be deleted, after 30 days there was nothing sent to me. On XX/XX/2020 I then wrote another letter requesting the same information, and the same deletions. As of today XX/XX/2020 I have still yet to receive any physical verification of these items belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the items should be deleted at once.

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 2019-06-27
Company: PERSIAN ACCEPTANCE CORP
State: CT
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:
In XXXX of XXXX, I totaled a car purchased with a loan issued from Persian Acceptance Corporation of XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX, MA XXXX. I was unable to pay the remainder of the loan at that time. 

On XX/XX/XXXX the loan was charged off. My financial circumstances have changed dramatically since then, and in XXXX of XXXX, I called them and arranged to pay the remainder of the debt. They told me they would update the credit bureaus ( they reported the loan to XXXX and XXXX ). 

They reported incorrect data to the credit bureaus. As of now, it states that I was 60 days late in XXXX of XXXX and that the debt was charged off in XXXX of XXXX. This is incorrect as the debt was charged off in XXXX of XXXX and I paid the outstanding balance in XXXX of XXXX. 

I have made frequent attempts at contacting the company itself and disputing the charge with both XXXX and XXXX. Per my understanding of the FCRA, this should be removed for incorrect information. Any help or advice would be appreciated. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE BEEN TRYING TO REMOVE A N ACCOUNT -XXXX/CITI WITH A BALANCE OF {$18000.00} FROM MY XXXX CREDIT REPORT. XXXX  AND MY SELF HAVE TRIED TO GET DOCUMENTS WITH MY SIGNATURE ON FILE NUMEROUS TIMES AND THE BANK REFUSES TO RESPOND AND GIVE US DOCUMENTS TO PROVE THIS. I HAVE BEEN TRYING TO RESOLVE THIS FOR THE LAST 5 YEARS AND THE BANK REFUSES TO COOPERATE.

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 2020-04-27
Company: Experian Information Solutions Inc.
State: MS
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 have disputed erroneous information with the credit bureaus and only XXXX  has made a reasonable attempt to correct the information. Experian won't investigate and XXXX  uses stall tactics such as asking for information that I have already submitted to them. I have letter from the original creditors stating that I have not made late payments or they have no record of any accounts in my name, but the credit bureaus still report this inaccurate and damaging information. I have disputed several times to get these erroneous accounts updated and/or removed, but to no avail. I am writing you seeking some oversight and help in holding the credit bureaus accountable.

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 2021-10-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I did not consent to authorize nor benefit from the following inquiries. Block and remove them. 

1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10. US SM BUS ADMIN ODA XX/XX/XXXX 11. XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
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: Account information incorrect

Complaint:
XXXX XXXX credit was paid off as shown in previous credit reports now they are showing I owe a balance and saying and giving me a bad credit report with this when it was paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 filing a compliant due to several fraudulent accounts and inaccurate addresses on my credit file. The following addresses are not my XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX. I was going over my credit report and I noticed several collections accounts that I never done business with these following credit companies : XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX/ # XXXX, XXXX XXXX # XXXX. I have filed a complaint with FTC and CFPB.

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 2018-01-31
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX aka XXXXXXXX XXXX  XXXX i have been living and owing my property since XX/XX/XXXX still living in the house mortgage through u.s.bank the bank stated they gave me a modification back in XX/XX/XXXX but also i paid one of there attorney a reinstatement fee back then so i been trying to work with the bank to stay in my home since then in XX/XX/XXXX the bank said my house was in foreclosure so then i retained a mediator but the bank wanted me to pay almost 2,000 a month i could not afford that i was not making that much money with kids and also the reason i ended up with the mediator was because the bank was prolonging my modification package so therefore i ended paying the bank some money but i could not afford almost 2,000 a month so there for i kept seeking help but then the bank got to saying my house was sold so then i really could not get help i did not have any body so i went to the deeds of court and they stated i still own my house and my name is on my tax bill and deed so then i filed chapter XXXX and got the arrears down to XXXX through the plan and still made my bank payments yes i was late on 2 payments but i sent them in through the bank u.s.bank now i still can not get help from them they are still trying to foreclose i need help and more understanding the trustee lifted the stay and abandoment but i am still making my payments as of XX/XX/XXXX XXXX what can i do i do not want to lose my home.

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 2020-04-27
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
on XX/XX/2020 my card was activated. It was sent to my old address, after I put in a change of address at my post office in XXXX WI. My income taxes was deposited on to my card and the card was stolen by my previous roommate. I was sent an email on XX/XX/XXXX at XXXX a whole day later saying my card was activated. This card was stolen out of a mailbox and opened by someone else. I gave them the information of who I thought it was. I immediatedly logged into my account and seen that XXXX has been stolen within 24 hours. I immediately called American express and cancelled the card immediately. i called the police and made a police report and gave them my former room mates information also.I filed a dispute and American express denied my claim stating that the transactions were authorized. I never even seen the card. Then they sent me a new replacement card that I had to cancel also because it went back to that address. The same person tried to use the card but I changed the pin so the account got locked out. I want t know how the came to the conclusion that these transactions were authorized? I still to this day XXXX have not got my card with my name on it from American express. I do not have my income tax money, I do not even have access to my card at all. It has been over a month and I have not even seen this card but have been stole from and they refuse to give me my money back. now I am homeless with my XXXX children and American express has done nothing to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was contacted by Bank of America on XX/XX/2021 informing me that my credit card was approved. I never applied for this credit card. I think this was related to a false or fake FEMA claim about a month ago. I reported this to Fema fraud department. This occurred because of XXXX XXXX that damaged our area. 
Bank of America canceled the credit card application and I reported this to all three credit agencies as well as putting a fraud alert notice on my 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 2021-10-25
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Elan Financial Services erroneously charged me fees. These fees led to the account being reported as " late '' to the credit bureaus. Elan acknowledged that these fees were erroneous and has since reimbursed me. I would like them to remove the derogatory payment history with the credit bureaus. I have sent a letter to Elan Financial credit bureau dispute department, but they sent me a seemingly pro-forma letter denying my request. Their response letter made it obvious that they did not even read my original complaint fully.

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 2020-06-22
Company: Experian Information Solutions Inc.
State: IL
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 placed a permanent limitation on my account and kept all of personal information including my credit card accounts and banking information. There were purchases made through the account that I longer have access to in where merchants charged me for merchandise I don't have possession of and I am unable to dispute the transactions. These charges are a result of identity theft and I request that all the information be removed and blocked from the furnisher. 



The credit bureaus are in violation of the clear provisions of FCRA 605B ( c ) The  information should of been blocked within 4 days

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 2020-04-27
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from the collection agency, National Credit Systems, 6 months after my family and I moved out of XXXX XXXX XXXX  on XX/XX/XXXX. 
They charged us in the amount of {$600.00} for cleaning 3 bedrooms, and damages. My wife and I own our own cleaning business, we made sure the whole house was spotless, the {$150.00} was unnecessary for cleaning and I have pictures to prove. 
Sheetrock Repair ( {$250.00} ) : this was caused from water leakage in the kitchen, and the maintenance crew at XXXX XXXX XXXX took too long to come and fix the leak. 
Also, in my contract from XXXX I had a security deposit of {$300.00}, and my renewal contract after that the security deposit went down to {$170.00}. I am unsure what happened to the {$120.00}, and when I asked the Property Manager she said she would look in to it, and never got back with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Square Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the XX/XX/XXXX, I received an email from Square banking stating that a charge in the amount of {$290.00} had been declined fo insufficient funds. I knew I hadn't made any recent purchases, plus I had checked my account the previous day and had more than {$7000.00} in the account. I checked my online banking and saw 21 transactions had been made. I immediately contacted square. I was told that there nothing that I could to do besides wait until each transaction was complete and file disputes. Two of the transactions were voided so I filed 19 disputes over the next few days as they completed. I have talked to square every other day and even called the companies where my money was used, all of which were in XXXX! While I was using my card in XXXX, NC, someone was also using my card in another country, XXXX. Square doesn't have any protocols setup to stop this. I posted about this issue online and found two other people with square accounts that his happened to. The other people 's money was used in XXXX as well and at the exact same companies for the same amounts. Luckily for them they didn't have as much money to steal. I was told by Square that while they research my disputes they will give me a loyalty credit. On Today I received emails for loyalty credits for each of my disputes. Within seconds, I received another email stating they were taking the money right back out. 19 emails giving me a credit and 19 stating that they were debiting the account. When I call you can not speak to a manager nor anyone in the fraud department. I have been put on hold and hung up on or told it will be escalated and I will be contacted within 2 days and I never get a call back. I recently read loads of complaints on XX/XX/XXXX website of the same things happening to others, fraudulent activities, and Square siding with the merchant and people loosing thousands of dollars.

Company response to consumer: Closed with explanation