BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-08
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I've been struggling with getting any information from XXXX on my loans now for the last 3 1/2 years. I've already filed a complaint with the DOE and they refused to assist. They have added XXXX to my loan balance in the last 3 years. The first was XXXX for XXXX when I submitted my annual certification 3 times, which I have proof, before they finally acknowledged receipt. Then again on XXXX, XXXX was added when I switched the IBR plan I was on at their suggestion. And XXXX, XXXX was added for no apparent reason. My interest rate is only 4.125 %. There is no way any of these numbers are correct. I have never seen an annual capitalized interest statement for my accounts in excess of XXXX to XXXX. At the rate they are adding erroneous amounts, I will never get to a point where I pay any principal. 

My loans are in repayment, no capitalized interest should be added to my balances. I asked repeatedly for an amortization schedule for my loans before I finally got an answer. 
I was told they are unable to provide any accurate amortization via email. I am at my wits end. I have made countless calls and emails and have gotten no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
One year after purchasing my home Pennymac called me and said they could lower my interest and get my payment down. I told the man multiple times that I'd be interested but ONLY if I would not lose my escrow balance. My county tax was expected to drastically increase due to it being a new home and the first year was just the land. I was told not to worry and that the ( over ) {$3000.00} I had in escrow would still be in escrow on the new loan. Come to find out that they lied and because they rushed me to sign everything and I trusted their LICENSED mortgage guy, I am now forced to come up with $ XXXX. I have a XXXX daughter and I just got a " promotion '' at work so I am now a salaried employee and lost about XXXX in overtime annually. I do not have XXXX XXXX dollars and they refuse to help me! 

Based on the original loan 's balance and the refinanced amount, I would not have reasonably known that they were taking my XXXX  in escrow as they now claim. They stole that from me and I have included their statements and what they advised regarding the closing costs as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
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:
Transunion report number XXXX I have notified Transunion in my dispute letter that they are in violation per FCRA and FDCPA guidelines by reporting XXXX XXXX XXXX and XXXX   XXXX XXXX  on my credit report.These accounts are inaccurate and must remove for violation. 
I do not understand how its Transunion opinion that these accounts are reporting accurate when I have notified them and shown proof base on my factual base dispute letter that they are in violation and the inaccurate accounts must be remove Transunion get paid to report accurate and complete information, yet they are in violation per FCRA and FDCPA as they continue report such blatant inaccuracies 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 2019-03-08
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid approximately {$940.00} directly to the medical office that I owed for a bill that was being collected through Bull City Financial Services. I was told by the medical office that they would immediately notify the debt collector. After about two month of them continuing to report this on my credit, I sent a XXXX   dispute and the final result was the collector reporting that the bill and amount owed were accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
There is an account reported on my credit file with Synchrony/Walmart XXXX I believe to be over the statue of limitations. I can not get proper documentation from anyone showing a true payment history.

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 2019-03-08
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
There is an account with XXXX XXXX reporting on my credit file that I have requested validation of debt directly from XXXX and the three major credit reporting agencies. The bureaus just send back responses that the information is accurate and XXXX XXXX responds with nothing more than a generic letter indicating their records are accurate and if I want copies I would have to pay a fee. I am asking for true validation of this debt that would be a copy of the initial agreement with my signature indicating I am responsible. I should not have to pay for something to prove it belongs to me or someone else.

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 2023-01-12
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: Information belongs to someone else

Complaint:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be removed from my file. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated and deleted immediately.

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 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 2016-01-30
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
TD Banknorth holds my Home Equity Line of Credit account number XXXX. One month ago the sent a billing to me with a payment that is 4 times what the typical payment has been. This is a adjustable rate loan with an APR of 2.74 according to their online statements and paper statements. I have sent XXXX secured messages to them on the website asking for documentation as to how the payment increased 4 times. I have recently received a letter threatening foreclosure and they are charging me late fees and reporting my loan as delinquent. I have paid as agreed and have the documentation of such. I called today to speak with their collection department and the individual gave me a multitude of wrong answers. There are no changes in my statements that would reflect anything other than the terms I have had for 10 years. If they have made changes to my Home Equity loan terms there have been no compliance documents sent at all. They are not able to provide me with any reasons why the payment has changed 4 times. They are reporting me as delinquent and sending me letters regarding foreclosure and saving my home as I am current and have been at all times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 appreciate you making the effort to delete and repair some of the data on my credit report, but there are still some items that need to be removed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be discarded as soon as possible. 
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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be deleted as soon as possible. 
XXXXXXXX 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 2020-03-23
Company: EQUIFAX, INC.
State: AR
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 the app XXXX XXXX to keep track of my scores. I recently logged on and saw 3 unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to open more accounts under my name because my credit was ran a couple of time. These 3 accounts and inquiries were not made by me. Please take these unknown items off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: VT
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I have an Health Savings Account ( HSA ) at People 's United Bank established when I worked for a previous employer. I have not made deposits or redemptions from this account for over 3years. The balance of the account is less than {$1.00} ( actually {$.00} yes that is correct XXXX CENTS ). I received a notice from People 's that the account was dormant and that they were going to charge an " inactivity fee ''. I called People 's customer service number to close the account and was told I need to do it in person at a People 's Bank branch. I then sent People 's a letter indicating I wanted the account closed and received a reply that a notarized copy was required. I have received today a notice that People 's bank has charged me an " inactivity fee '' and the balance is - {$3.00}. I called People 's again and asked that the account be closed and was told again that I need to visit a bank branch to do so. I do not understand why closing the account either online or verbally is an issue. I refuse to take time away from my life/job/family for less than a DIME. I electronically signed documents for other lenders ( a $ XXXX car loan for example ), never setting foot in the credit union branch - How can closing an account that holds {$.00}!! be so difficult?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-08
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: Old information reappears or never goes away

Complaint:
There is an account with XXXX XXXX reporting on my credit file that I have requested validation of debt directly from XXXX and the three major credit reporting agencies. The bureaus just send back responses that the information is accurate and XXXX XXXX responds with nothing more than a generic letter indicating their records are accurate and if I want copies I would have to pay a fee. I am asking for true validation of this debt that would be a copy of the initial agreement with my signature indicating I am responsible. I should not have to pay for something to prove it belongs to me or someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: American Accounts & Advisers, Inc.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have requested AMERICAN ACCOUNTS to cease sharing my private medical information because I never provided authorization for it. Even if I unknowingly signed something, I made it clear that I revoked any such permission. However, they have not complied with my request. Additionally, I find the charges on these accounts to be inflated, and they have not provided the itemized codes for each charge in these accounts. I have disputed these accounts, but despite my efforts, they continue to report to the credit reporting agencies ( CRAs ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found univariable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I requests to know all the steps your agency took insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.

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 2023-01-19
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2018-05-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase closed my account because they decided that they couldnt maintain my account anymore, even tho I have been a loyal customer and pay my bills and if I overdraft I always pay that off in a couple of days or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
There is an account with XXXX XXXX reporting on my credit file that I have requested validation of debt directly from XXXX and the three major credit reporting agencies. The bureaus just send back responses that the information is accurate and XXXX XXXX responds with nothing more than a generic letter indicating their records are accurate and if I want copies I would have to pay a fee. I am asking for true validation of this debt that would be a copy of the initial agreement with my signature indicating I am responsible. I should not have to pay for something to prove it belongs to me or someone else.

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 2019-03-08
Company: Experian Information Solutions 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:
I have several fraudulent inquiries and inaccuracies on my credit report : Experian FRAUD INQUIRIES : - XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX EXPERIAN INNACCURACIES : - Accounts Ever Late : 2 - Time Since Negative : 1 year 3 month Experian FRAUD ACCOUNTS : - XXXX - XXXX - XXXX XXXX  - XXXX - XXXX XXXX XXXX - XXXX - XXXX/XXXX - XXXX XXXX Fraudulent Accounts : - XXXX - XXXX - XXXX  XXXX - XXXX - XXXX/ XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX/XXXX - XXXX XXXX FRAUD INQUIRIES XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX Fraudulent Accounts : - 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 2023-01-12
Company: EQUIFAX, 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:
I am submitting this CFPB Complaint to you today to request, once again, to remove the fraudulent accounts and information that I found you report on my Credit File. I have read that I am entitled to protect my consumer rights under the Fair Credit Reporting Act Section 605b, and request to you to remove any fraudulent accounts and information that being opened due to my identity being stolen. I previously sent you a disputed letter last XX/XX/XXXX, with complete attachments of my personal identification documents as well as the ID THEFT REPORT I received from the FTC. Once again, I request of you to please remove the following items off from my Credit File 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Owed XXXX {$2000.00} XXXX XXXX  XXXX Balance Owed : {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Balance Owed XXXX {$2000.00} XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX  XXXX Balance Owed : {$6100.00} XXXX XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I am a victim of Identity theft and the items I am disputing do not relate to any transactions that I have done or authorized. Under the Fair Credit Reporting Act section 605b, please remove the disputed accounts and information from my Credit File as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Clarity Services
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Per my previous complaint ending in XXXX, I still have no clue what Clarity Services is talking about! There's an inquiry that's still illegally reporting in my credit file. They are required under consumer law -- under the FCRA & FDCPA -- to provide me with original signed documentation bearing my actual signature that verifies / validates the inquiry! They are currently under violation of the law. If Clarity does not provide me with this REQUIRED DOCUMENTATION, then they MUST DELETE that inquiry from my credit reports! I've attached my ID. I am submitting my complaints here -- nobody should be contacting me elsewhere! Provide me with what I'm supposed to get! If you do not, then you need to delete that inquiry!

Company response to consumer: Closed with explanation