BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: MO
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 am writing to bring to your attention an issue I have encountered with my credit report. Recently, I discovered that there was a fraudulent account on my credit report that was affecting my credit score. I followed the proper procedures and reported the fraud to you, and you removed the account from my credit report. 

However, I recently checked my credit report again and was shocked to see that the fraudulent account had been added back onto my credit report. This has caused me significant distress for me, and I am writing to request that you remove the account from my credit report once again. 

Additionally, under section 1681i of the FCRA, consumers have the right to dispute any information they believe is inaccurate or incomplete in their credit report. If the credit reporting agency can not verify the accuracy of the information in dispute, it must be deleted or corrected. This may include delinquent accounts that are no longer accurate or valid. 

It's important to note that credit reporting agencies are required to follow specific procedures and timelines when investigating disputes and updating credit reports. If you believe that a credit reporting agency has not followed the proper procedures in handling your dispute, you may have legal options to pursue.

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 2019-05-07
Company: Army and Air Force Exchange Service
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
AAFES Army Air Force exchange had credit with them they took full federal tax return and never returned the difference. They took it from my husbands return and this card was in my name. They never adjusted the account for the service members civil relief act.

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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX Will not remove accounts that are not mine. the are refusing too do it.

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 2023-02-24
Company: Experian Information Solutions Inc.
State: WY
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 requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove the negative information you reported in my file. 
XXXX XXXX XXXX XXXX  XXXX CO XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2020-01-17
Company: AMERIS BANCORP
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I obtained a mortgage with Ameris Bank on XX/XX/XXXX. Since then, my monthly statements do not provide me sufficient information regarding my mortgage that is outlined in Regulation Z. The statement does not provide my outstanding balance, activity since last statement, escrow information, and escrow activity. I contacted Ameris on XX/XX/XXXX, and will be receiving a loan history. I was informed that, basically, my loan will be sold and they do comprehensive statements. I have no idea if this bank falls under a small servicer exemption but hope I can start obtaining more comprehensive statements going forward. I do not want to call the bank monthly to get my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this matter can be updated 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

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 2022-02-25
Company: KEYCORP
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Please see attached document / note from our boat AND trailer loan. 

We have been requesting the title for both of these items for over TWO YEARS. 

Why is this confusing for the CFPB and for Keybank? 

We have made multiple complaints, all unrsolved. 

This company financed BOTH the trailer and the boat for us, we paid it off, we need the title for both the trailer and the boat. 

We have been sent the boat title twice. 

Send the title to the trailer, we have a letter from Keybank stating they did not finance the trailer so that is a lie. 

What is the CFPB going to do regarding situations like this, we deserve compensation for this situation and want the name, address, phone for the registered agent for Keybank and the title to our boat.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: AES/PHEAA
State: VA
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 was in XXXX XXXX bankruptcy and working full time for a government agency when payments were made to my student loan servicer. None of the payments that I made were applied as qualifying payments for consideration on my public student loan forgiveness. 

None of these payments were applied to my principal balance they were all applied to interest. 

Payments were made from XX/XX/XXXX through XXXX of XXXX. I believe these payments should qualify for the revised consideration for public service loan forgiveness program. I believe all the payments meet the revised standards for payment count toward forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 requested numerous times for Trans Union to investigate the accounts they have negatively reporting against my file. They state in their comments they completed the investigation and it meets the FCRA. 

Well it does not meet the FCRA or FDCPA. 

They continue to report an alleged collection account as being opened, Past due balance, high balance. 

XXXX XXXX XXXX & XXXX Please see the attached proof.

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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 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 2023-06-23
Company: Experian Information Solutions Inc.
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00}

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 2022-02-25
Company: Chime Financial Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I updated my phone and had to login on my new device. My number on the account was an old number so I had to change the number to verify account. Once I changed number, account was locked. My tax refund was deposited on my card. They closed my card with over 10,000 on my account & are not giving me options to receive the balance in a check form. Ive emailed and sent documents to verify identity & still no one is trying to send my money back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint against Fifth Third Bank. I have been trying for months to remove my PMI as my loan to value ratio is around 55-60 % and the company has ignored me for months. 

I finally got through to them and they tried saying my property is at 83 % LTV and are making me pay for an appraisal. 

Just to be done with it I accepted and sent the documentation and they have yet to get back to me again. They are blatantly stealing from me when my property is worth between XXXX and my amount owed is XXXX. This is occurring by answering me very late and by not having removed my PMI yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Its now been 4 years and Bank of America still allowed fraudulent things to happen to my account and blame it on me. 2015 is when my account was closed due to fraudulent activity within my account and now is showing up on my si consumer report. I am not sure how its still showing up when I was allowed to open up accounts with credit unions. This is now a big thing because the total to be paid to Bank of America is ridiculous. Bank of America is ridiculous!

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 2019-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted the debtor on XX/XX/XXXX requesting my signature or proof proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my three credit reporting agencies without providing validation of debt and the credit reporting agencies are reporting this inaccurate information to future creditors. this is causing injury to my person as i am not able to acquire new credit based on these false invalidated claims.

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 2023-09-15
Company: FC HoldCo LLC
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023, I noticed a charge off and many collection entries from XXXX. XXXX XXXX XXXX, XXXX, Account XXXX. # XXXX XXXX. XXXX XXXX, XXXX, Account XXXX. # XXXX and XXXX. XXXX XXXX XXXX, XXXX, Account XXXX. # XXXX respectively trespassing on my XXXX XXXX XXXX, and XXXX consumer credit reports. I've requested that the consumer reporting agencies produce the original contract and after a month they still haven't responded to my notices. They are erroneously reporting a contractual debt and that a civil dispute exists us which is false, there is none to my knowledge. In accordance with the Fair Credit Reporting Act these reporting agencies have violated my rights as a natural person, and living human being numerous times. 

15 U.S.C. 1681, Section 602 A. states that I have the right to privacy.

15 U.S.C. 1681, Section 604 A, Section 2, states that a consumer reporting agency can not furnish a account without my written instructions. I demand in these instructions that the three accounts listed above ( 1-3 ), be removed according to 15
U.S.C. 1681.

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 2022-02-07
Company: Experian Information Solutions 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:
I have attempted numerous times to correct an inaccurate item on my credit report. I have a collection from XXXX collection services that has drastically increased since they bought the debt in XXXX. I have disputed with the Credit Bureaus XXXX times since XXXX of XXXX, and half of the time they would not send me results back. The other times they would state I need to send in a proof it is me disputing ( which I had sent in already ), or validating that the item was accurate. I have sent in statements from the original creditor that the information is clearly inaccurate and violates the XXXX and the XXXX and have cited the specific statutes in my disputes and have not received any result. 
I was contacted by XXXX Collections in XXXX of XXXX attempting to collect on a debt of {$2400.00}. The debt is originally from XXXX for {$1300.00}. Not only is this a drastic increase on the debt, but in XXXX of XXXX they sent me another form of my account balance with a different account balance ( without me paying anything ) of {$2100.00} claimed to be owed. I pulled my credit in XXXX of XXXX and saw that the debt increased yet again to a balance of {$2400.00}. And I pulled it again today to see that this balance is now at {$2700.00}. This is double what the original creditor amount was. I was living in California at the time and the Rosenthal Fair Debt Collection Practice Act and the Federal XXXX said Collectors may not use False or Misleading statements. I have submitted proof of the changes in the account balance without any payment being paid as a direct violation of this Law. This has caused drastic harm on my credit and prevented me from getting apartments and was even turned down for a job because of it. I am not running from my debt, I would like this issue to be resolved as they have clearly violated State and Federal laws.

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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 explanation
Consumer complaint received 2022-02-07
Company: Avant Holding Company, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I called AvantXXXX spoke with XXXX I advised them to close my account back in XX/XX/XXXX, I then found out that they marked me 30-days delinquent twice on my credit report. It is impossible for me to use the card since I had shredded it back in XX/XX/XXXX so the only possible explanation is that someone at Avant made a card using my account number and never closed it. There is a reported balance of {$230.00} this account is only reporting to XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I attempted to make a payment on XX/XX/XXXX in the amount of {$190.00} and my payment was rejected. I called XXXX XXXX the owner of my checking account debit card and they had not placed any holds on my accont for fraud. I called XXXX XXXX to ask why the payment was rejected and was told it had to do with my bank.I then made the payment over the phone. I again tried to pay a bill on XX/XX/XXXX for {$120.00} and again my payment was rejected.

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 monetary relief
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hi every week it seems to be a problem with my score going up and down. I have been paying off vehicles and credit cards and my credit score continues to decrease, and Im removing debts. I call they cant explain why this is for XXXX and Equifax. Yesterday I called Equifax because I received a notification from XXXX XXXX a 3rd party that my credit card was closed for XXXX and Equifax. I called to find out what card because I hadnt closed any credit cards. My score was reduced XXXX point for that on both bureaus. I was told in the notification it was for a credit card I never received and never had with synchrony pay pal. I advised I had an account with pay pal but didnt own a credit card with them. I called pay pal to confirm as well. They had no cc for me. On my report it shows this same credit card was closed XXXX of XXXX. So not only did I not have a credit card with XXXX XXXX XXXX, the account has been closed almost 8 years. So how can you close a closed account, you cant close an account twice. So neither of the bureaus are trying to give my points back that were taken, I put in a dispute with both bureaus already, as I was discussing it with Equifax the agent hung up on me, because she wanted to do all the talking instead of listening to my complaint. In addition to this someone from XXXX put in a request that I didnt ask for to remove my mortgage from my XXXX credit report, and my mortgage company did and that reduced my credit score XXXX points from a request I didnt ask. I requested my balance be updated, but a XXXX agent requested it to be removed, I am now going back and forth with my mortgage company to add back to my XXXX report. But these Bureaus are not customer friendly and a lot of them dont understand XXXX well. I would like to get my credit score points back and these issues resolved. Thanks in advance

Company response to consumer: Closed with explanation