BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-28
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Today is XX/XX/19, and it is XXXX XXXX  pst. My loan payment with XXXX XXXX is due on XX/XX/19. I'm trying to pay my payment on the day it's due, and XXXX XXXX XXXX has XX/XX/19 as a greyed out option for paying my bill. Therefore, I had to select the first ungreyed-out day, which is XX/XX/19. Despite paying my bill on time, XXXX XXXX forced me to pay my bill one day late, when actually today is XX/XX/19. This is illegal. They will now claim that I paid my bill late, which means it won't count as a qualifying payment towards my Public Service Loan Forgiveness plan. In actuality, I'm paying my very large bill on time. I want XXXX XXXX XXXX to accept my XX/XX/19 payment for my XX/XX/19 due date as an on-time payment. Note in the attached picture that the date on my computer, the date the bill is due, and then the date that XXXX XXXX XXXX is allowing payment ( they aren't allowing payment on XX/XX/19 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: Fidelity National Information Services, Inc. (FNIS)
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: Account information incorrect

Complaint:
I requested a credit report from XXXX XX/XX/2018. In one line, it says ; " Total number of properties owned : 2 '' I do not own or have owned 2 properties. 

4-5 years ago my personal information ( SSN ) was lost. I do not know if the above inaccurate information is related to my lost identity information. However, I am concerned. 

I would appreciate your help identifying where the information reported by XXXX  about properties owned came from. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: CITIBANK, N.A.
State: IL
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 did a XXXX  credit check on XX/XX/XXXX Sears/cbna did a XXXX and XXXX credit check on XX/XX/XXXX Sears/cbna did a XXXX and XXXX  credit check on XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX did a XXXX  credit check on XX/XX/XXXX XXXX XXXX did a XXXX  credit check on XX/XX/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 2021-11-01
Company: SYNCHRONY FINANCIAL
State: NV
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 recently had a consumer support notice that I had not paid a bill. In researching my credit report on XXXX XXXX I found a closed account through SYNCB/PPC under the name of XXXX XXXX for approx {$810.00}, in contacting this creditor I was told that this account was associated with my social and my address but this is not my name. They stated that the account had been opened with Paypal and that they would send me a statement that I have recently received. the statement clearly shows the account was opened under XXXXXXXX XXXX  and I have never used this name, my only names ever used are XXXX XXXX ( Maiden Name ) and XXXX XXXX ( Married name ) which can easily be seen on my credit history. 

This account was open for only 3 months and then closed in XXXX and has never had a payment made on it. I let this credit company know that this was not my account and they stated that everything but the name matched so they would not assist me. 

I have since opened several disputes with XXXX and XXXX in which they updated incorrect information such as an address associated with me in XXXX Arizona that is not an address or a state I have ever lived. They refuse to remove this account from my credit history and claim that it is mine but it is not my account. I have had a strong credit history for years now and this is damaging it and I do not want to pay money for an account that is fraudulent and was never applied by me. The fact that the last name is a name I have never used should be a telling sign that this is not my account along with the fact that I have not been late on any payments with any CC companies for years now even through the COVID shut down. 

I have since put a year-long credit fraud alert on my account but I am not sure how to remove this fraudulent charge but I do not feel that it is right that I should be hit with the damage from someone committing fraud against PayPal when they approved a card that does not match both my first and last name.

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 2017-12-11
Company: EQUIFAX, 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 status incorrect

Complaint:
I received Fico score on XXXX XXXX, 2017 from from XXXX with derogatory information on my credit report Equifax. I filed a complaint two months ago with you about this and the inaccurate information was removed. The score has dropped from XXXX to XXXX in the month of XXXX 2017. I have done nothing to cause this drop on my account, and I was unable to get a response from Equifax. I would like this matter to be investigated and corrected. Why is this continuous fluctuation with my account happening when there is nothing changing? 96 points is a large number to be taken down in a month without proof that something caused this to happen. I hope that we can get this resolved in a timely fashion for I am trying to purchase a home and this inaccurate information may prevent that from happening. 

Thank you for looking into this matter for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: EQUIFAX, INC.
State: SC
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/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: EQUIFAX, 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:
I reviewed my most recent XXXX XXXX report dated XX/XX/XXXX, and on the report Equifax reported the following incorrect information to XXXX  XXXX  : : Credit card usage - 24 % Debit - {$29000.00} Credit limit - {$110000.00} The correct information is as follows : Credit card usage - 22 % Debit - {$29000.00} Credit limit - {$130000.00} Equifax under reported my credit limit by {$12000.00} and a 2 % increase in my debit usage which has a direct impact on my credit rating. 

I have now spent 3 days and over 4 hrs ( XX/XX/XXXX - XXXX ) on the phone with Equifax XXXX XX/XX/XXXX most recent ) trying to get this issue corrected. All I get from Equifax is that this is not their problem as they have now verified with me no less than 5 times that the amounts they have on record matche what I have on mine. So, in their opinion, it is a XXXX XXXX problem and they can not and will not help me with it. 

According to XXXX XXXX, the information they show on their report, is exactly what the credit bureaus report. Nothing more and nothing less.. 

Just to add to this complaint. It should be noted that all of the information XXXX sent was correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: EQUIFAX, INC.
State: NV
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:
I requested validation to XXXX XXXX, XXXX XXXX, as my right under the FCRA and they responded to me on XXXX/XXXX/XXXX a packet containing the amount owed in an itemized bill. However, the paperwork they sent me contained a description of my personal health information that directly violates my HIPAA rights. I did not release my health information to XXXX XXXX. I sent them a second letter advising them of this violation on XXXX/XXXX/XXXX and they responded with the SAME EXACT packet, never discussing the violation or my concerns. The second response from them was also received in a tampered envelope which concerns me that someone else may have been able to see my PHI ( Personal Health Information ).  A letter was sent to Equifax on XXXX/XXXX/XXXX explaining my concerns and to request to remove this account ASAP from my credit report. All documents and certified receipts were included in this letter for documentation purposes excluding my PHI. My letter was received by Equifax on XXXX/XXXX/XXXX. I just received an email from Equifax today, XXXX/XXXX/XXXX, stating my investigation was completed and the debt still belongs to me after they contacted XXXX XXXX. They have failed to respond in 30 days. Also under FCRA Section 604 ( g ) ( c ) it states that information other than account status or amounts is restricted. My rights were clearly violated. A letter was also sent to XXXX on XXXX/XXXX/XXXX requesting to remove this account from my report. I have not yet received a response but it remains on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
There is incorrect personal information on 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 non-monetary relief
Consumer complaint received 2023-06-15
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:
A COLLECTION XXXX XXXX  XXXX APPEARED ON MY XXXX, EQUIFAX AND XXXX. THIS ACCOUNT DOESNT BELONG TO ME. PLEASE REMOVE FROM CREDIT BURUEAS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, 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:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$8700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX IL ) XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them 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 non-monetary relief
Consumer complaint received 2023-08-18
Company: REGIONS FINANCIAL CORPORATION
State: GA
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:
With no prior written notice, Regions Bank closed my credit card, harming my credit score. I had been a cardholder with them for 18 years, all in good standing. Apparently I had not used the card over the past 24 months. Regions never sent me any correspondence regarding any inactivity. Without any notice, I received a letter from them informing me of the account closure. I think Regions Bank is having trouble attracting deposits and they are systematically closing account lines of credit. While I understand their right to do this, they should give proper notice and not harm consumer 's credit scores. A

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 2021-10-05
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Citi is confusing me as to whether or not I will be assigned a fee, and how it can be offset. A minimum balance is not what I will keep. A deposit and bill pay is what I've tried to arrange, though whether or not the bill pay is qualified remains guesswork. While told the billpay must be in the form of a paper check, a payee changed its policy and would only accept a debit card payment. One credit card is linked to the bank. I've requested the paper check be issued to the card so the billpay will be qualified and a surprise fee does not continuously appear. When configuring the billpay to one that is paperbased, following much stress and hassle by associates confusing me as to whether or not the billpay could be set up, guesswork as to whether or not the credit card linked with the checking account will qualify remained intact. For the XXXX - XXXX statement, no fee was assigned, confirmed by chat, yet past experience has taught that what is communicated through chat can not be trusted in terms of whether or not the bank will impose a fee that can leave the account delinquent to any debit payment. For the upcoming statement, I can not reconfigure the payment to one that is paper based, it is set for electronic, leaving guesswork as to what the bank will do. Calling in or chatting does not inspire confidence that another surprise fee will present, or policy regarding electronic or paper based payment results in being considered qualified. Would the bank clarify its policy for billpay through this complaint forum? I can not keep the account open if continuously guessing as to what the bank will do, and will not be meeting the minimum balance requirement, as already stated here.

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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX 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 2019-01-28
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Good afternoon, I am not sure where to begin or how to handle this. 
I got a student loan XX/XX/XXXX, was making payments had some money issues and was in forbearance and continued with payments after the forbearance cycle. 
XX/XX/XXXX My husband and I filed Chapter XXXX Bankruptcy and in this bankruptcy was my student loan with XXXX  XXXX XXXX/XXXX for the remainder of my loan {$1400.00}. Per the paperwork from my attorney the student loan was included. Our bankruptcy has been discharged as of XX/XX/XXXX. 
On XX/XX/XXXX I received a letter from Navient that my student loan was now being serviced by Navient. I contacted them via telephone, XX/XX/XXXX, spoke with a XXXX and she informed me that my loan was my responsibility. I asked how that could be when my student loan was included and paid through my bankruptcy. I asked her to investigate this a little more for me as she could not answer my questions. My first payment was due XX/XX/XXXX, total unpaid balance was {$1800.00}. I made 2 months of payments XXXX and XXXX, I did not not want them to reflect negative on my credit report. Still waiting for a response to my questions from my phone call to Navient. I have now received a letter from Navient XX/XX/XXXX, that my student loan was paid in full, the very next day I received a refund check of the payments I had made in XXXX and XXXX. I was thankful for this after speaking with XXXX I thought they had rectified this account with the bankruptcy courts and the fact that I am trying to get us on good credit standing since finishing bankruptcy. 
Now as of last week I received another Statement from Navient dated XX/XX/XXXX stating my loan amount is {$1800.00} and payments are due starting in XXXX. I called Navient XX/XX/XXXX spoke with XXXX, after he reviewed my account he informed me the letter stating i was paid in full was sent to me in error?? why and how was not explained, I stated this was paid through bankruptcy and he stated it was my responsibility and they could not help me with anything even though the letter was sent in error they were not willing to work with me. 
I don't believe I owe this balance and do not know where to begin to fight this. I am hoping you can help me with some advice. 
Please and Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-01
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: Information belongs to someone else

Complaint:
Yes This Not Me So, You Need Verify the Your Incorrect Information .Please Contact me thur CFPB, I Will Attach Incorrect Information letter from XXXX XXXX XXXX and I have enclosed a copy of my driver 's license and utility bill as proof of identity.

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 2019-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized charges to my accounts on my credit file. As a result, I disputed this identity fraud with this company on XX/XX/XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. 

Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. 
The following is the fraudulent account that I need to be removed by this company : 1. XXXX   XXXX  ACC # XXXX, Date Opened XX/XX/XXXX, I am attaching the dispute letter/documents I sent to this company

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 2018-07-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Select Portfolio Servicing ( SPS ) is in violation of 12 CFR Part 1024 ( Regulation X ). They have not responded to my error notification and qualified written request for information which is dated XX/XX/2018 and XX/XX/2018. See attached documentation.

Company response to consumer: Closed with explanation