BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: Army and Air Force Exchange Service
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The AAFES XXXX XXXX charge card was opened in XX/XX/XXXX, always was in current status. 

In XX/XX/XXXX, due to circumstances, my account went past due. It however never reached charge off status, yet, on my credit Army Air Force Exchange Services, always reported it as a charge off, and at that time, they had me make a payroll deduction, until I paid it off in XX/XX/XXXX. 

Now, suddenly, after paying it to a {$0.00} balance, it is reported on my credit as having been paid late for the last 4 1/2 years and it also shows that it was paid under a partial payment agreement.

At that time I made arrangements with the " internal collections department '' at AAFES, I was never offered any type of reage program or told that I was paying it under a partial payment agreement. 

I feel that the representatives with whome I spoke to in XXXX, didn't follow proper procedure, didn't offer me a reage program, and lied to me, telling me, that my account was already charged off, even though my account never reached the prescribed amount of time required by regulations, to be an actual charge-off account. 

I feel that I was wronged then, and I am especially being wronged and punished twice, as now I have over 23 months of late payments suddenly show up on my credit bureau, which is affecting me in several way at this time. I might have to take the complaints to a higher level, maybe legal action will have to be initiated, if things are not corrected on my credit bureaus.

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 2017-05-31
Company: Io, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After pulling m y credit score i notic e this company had a medical debt in my name. So i wrote a dispute letter on  XXXX   XXXX ,    2017  asking them to verify deb t ( See attachment # 1 )  the amount shown on credit report is {$250.00} which i later found out was n't the case ( see attachment  # 2 ).  Then on  XXXX   XXXX ,    2017  i sent out a debt settlement letter giving them until  XXXX   XXXX ,  2017  to provide the original instrument of indebtedness in its original form. ( see attachment  # 3 ). The wr ote back on  XXXX   XXXX ,    2017  with the stating the following ( see attachme nt # 4,5 & 6 ) bas ically saying that the do n't have to provide the info relate to the dispute letter made on  XXXX   XXXX ,  2017 . Which lead me to putting the matter into your han ds. Receivable Management feels the did n't have to respond to my dispute letter which convenience me to believe tha t they will be uncooperative in any future endeavors.

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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-11-26
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
It was a classic bad check scam. I received and cashed a bad check from XXXX XXXX in my local Chase bank for {$3800.00} on XXXX XX/XX/2019, and was asked to transfer {$2000.00} of the check to someone else. I made the transfer on XXXX XX/XX/2019 via XXXX. The check bounced, and I lost my {$2000.00}. I filed a police report with the XXXX XXXX Police Department and reported the incident to Chase as well. However, Chase was unable to do anything about the XXXX transaction despite XXXX being a product produced by a consortium of banks, including Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: MI
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:
2nd Experian Alert complaint about incorrect information on my credit report in a week and it is impossible to contact Experian otherwise because when you file a dispute with them their reps write you back and tell you there is nothing they can do in response to your complaint/dispute about incorrect information sent to you by their Experian Alert system. They then tell you to call their XXXX number ( XXXX ) where you get to talk to a robot who does nothing and when finally get transferred to a representative the message " we are not available. '' The dispute centers on an Experian Alert received re : a XXXX XXXX XXXX on which the alert advised that my credit may be adversely affected bec my available credit balance was lowered from {$2700.00} to {$2100.00}. To the best of my knowledge, I have one XXXX XXXX XXXX  and when I spoke to XXXX they advised that I have {$7500.00} in available credit and a XXXX balance. XXXX could not give me any other info unless I have the credit card number that Experian is talking about. When I wrote to Experian and asked for more info on this alleged problem account so I could address that with XXXX, Experian reps advised to call their XXXX #. Please intervene to help get me out of this Experian Catch 22. 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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-26
Company: CITIBANK, N.A.
State: IL
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/XXXX of 2023, A company called XXXX took XXXX out of my checking account without my permission. I called Citi Bank and filed a claim, concerning the debit card transaction. The claim was filed and on XX/XX/2023 Citi bank provided me with a temporary credit to my checking account. On XX/XX/XXXX of 2023 XXXX also; gave me a credit to my checking account, but I was not made aware of the credit to my account not by letter nor email. So, I basically received two credits one by the company and another one by the bank. On XX/XX/2023, I checked my checking account to find that it was in the negative XXXX and this is only because there was some existing funds in the checking account at the time. On XXXX XXXX 2023 when I reached out to Citi Bank about the situation I was informed that the temporary credit had been removed from my account because the company had sent them a letter stating that they had issued me a credit as well, but I was not made aware of this. So, I asked the representative when did the merchant send them the letter letting them know that I had received the credit to my account because I believe that when Citi bank received the letter instead of them acting right away to remove the extra credit Citi Bank allowed it to sit in my account! Now here it is XX/XX/2023 and they want to take the temporary credit back which now leaves my checking account with a negative balance of XXXX. I get Social Security and Social Security XXXX  in the account, so I can not afford to be hit with a negative XXXX balance towards my account! I believe that Citi Bank did not act in a timely manner concerning the credit that was received by the merchant because if they had, then they would have been able to retrieve their temporary credit with out me ending up with a negative account balance!

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 2023-04-26
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: Account information incorrect

Complaint:
Alot of things that is reported on my credit should have been removed but is still being reporting. It has been pass the FCRA statue of limitations ( 7 yrs ), however still reporting on my credit. They are falsely reporting accounts that have been paid off and my credit score is Inaccurate. There are still student loans that were from XXXX still reporting on my account falsely. This is a violation of the Fair Credit Reporting Act. I have disputed many of these items and they are still reporting on my credit falsely.

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 2018-04-10
Company: Navient Solutions, LLC.
State: KS
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 graduated with a XXXX 's in 2012. How the school handled the financial aid in the first place is another story. However, I graduated with a substantial amount of debt. Since graduating, I have been on an IBR. I believe I went into forbearance 2 times. I do not miss payments and often pay more than the minimum due. However, I have noticed that my total student loan balance continues to increase by about {$300.00} every month. I have been told it was interest- which is why I try to pay more than the minimum when I am able. If I go in and assign how a payment is allocated, the payments automatically generated are less than half of the balance that increases each month. I now owe a few grand more than when I graduated 6 years ago despite being on good terms the entire time. I see this on my credit report and it's very daunting being a single mother with XXXX kids and still sinking every month despite paying more than what is asked of you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my TD Bank account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, 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:
My requests for proper verification and the removal of the fraudulent information on my credit reports have been disregarded despite the numerous written letters I have sent to the three credit bureaus. I last wrote to the credit bureaus XXXX, Equifax, and XXXX on XX/XX/XXXX, but I never heard back from them. It is evident from a copy of my most recent credit report that the credit bureaus disregarded my requests. The Credit Bureaus violated FCRA section 605b, which requires them to erase any accounts and information that were created as a result of identity theft. I approached the FTC and reported the theft of my identity. I also included copies of the FTC 's Identity theft report. The below described fraudulent items are still showing up on my credit record. I'm hoping you can assist me out and get these things eliminated as soon as you can. I am frustrated to see the credit bureaus do nothing to remove the information I am disputing from my credit file. Although I am inclined to pursue legal action, I will give the credit bureaus XXXX more chance to make things right and correct my credit report. I need the following items deleted completely from my Credit report as soon as possible : 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 Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My loan was sold by XXXX XXXX XXXX XXXX to XXXX XXXX XXXX ( XXXX  ) in XXXX. My first payment due to XXXX  was due XX/XX/XXXX but they failed to contact me with my new loan number or any details on how to pay them. I contacted them on XX/XX/XXXX to make the payment over the phone. By XX/XX/XXXX I still had not received any information from them about my loan. I called on XX/XX/XXXX again to make a payment over the phone. I did not receive any paperwork from them until middle of XXXX. On XX/XX/XXXX - at least 102 days after my first payment was due I contacted XXXX to inquire as to why they have not reported my loan or my timely payments to any of the credit reporting agencies. I was told that it is their policy to only report timely payments after 60 days of purchasing the loan. I pointed out that it was now 102 days after my 1st payment was due and they indicated that they would not be reporting anything on my loan to the agencies until after XX/XX/XXXX. I requested that they make an exception as I am trying to refinance while interest rates are still reasonable and that they have clearly had my loan greater than 60 days. They refused to correct their error and I am now in a difficult position as the underwriter will not approve my new loan without this loan and the timely payments appearing 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 explanation
Consumer complaint received 2020-12-02
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 have sent multiple requests for investigations into the two following accounts currently reporting on my credit report. I sent letters on XX/XX/2020, XXXX and XX/XX/2020. All with no response or no resolution to my request. These items are affecting my ability to obtain new credit and affecting my credit status negatively. 

XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 


XXXX XXXX XXXX  Account Number : XXXX Please supply information on how you have verified this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX 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

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 2018-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I am writing to request several credit inquiries that were unauthorized be removed from my credit report. On XX/XX/XXXX, I received a copy of my credit report and became aware of 18 inquiries that I did not authorize. They are as follows : 1. XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXXXX/XX/XXXX5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXXXX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXXXX/XX/XXXX 9.XXXX XXXX ( 2 )XX/XX/XXXX10.XXXX  XX/XX/XXXX 11.XXXX XXXX XXXX XX/XX/XXXX12. XXXX XXXX XXXX XXXX ( 5 )   XX/XX/XXXX, XX/XX/XXXX13.XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XXXX  XX/XX/XXXX15. XXXX  XX/XX/XXXX16 XXXX XXXX XXXX  XX/XX/XXXX17. XXXX XXXX  XX/XX/XXXX 18. 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 2019-09-19
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:
XXXX card pull my credit file without my knowledge nor my approval. I spoke to them once I received an alert through my Experian account that an inquiry was on my file. They ensured me that the alert will be removed and that they will contact the proper credit agency to assist in the removal. As of now the inquiry is still showing on my file. I have a fraud alert on my credit to connect me if anyone initiate an inquiry for credit. No one called before pulling my credit.

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 2016-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage company did not record payments, though at the end of the year, XXXX showed the excessive interest. Continued with this fraudulent activity for 2 years and several unnecessary forbearance agreements. Attempted to file bankruptcy, so as to have trustee monitor our mortgage. Bankruptcy attorney, schemed to file for " overestimated property value '', and sought a loan modification ... not bankruptcy. We did not want this, attorney gave us no choice. Attorney did not utilize " request for production ''. He did not request our records from them, and did not submit my records to them. Loan modification took 3 years and {$47000.00} of interest was added to the principal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation