BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I got a copy of my credit report an learned that a collection agency has the same debt listed on it XXXX with different account numbers and different amounts and more than what I actually owe the creditor I did business with. The debt is for an old utility account I that closed and I did not get in the final bill in the mail because I moved. I called the collection agency and they said they would investigate my concern about them listing the same bill twice and get back to me however they never did. I went to the utility company for the original bill and paid it in full and I want the collection agency to correct their reporting on all XXXX of my credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
All ( 3 ) major credit bureaus : XXXX, XXXX and Transunion are in violation of Federal Law per Congress which specifies 15 USC 1681 ( a ) ( 4 ) " ... respect for the consumers right to privacy. ''. My right to privacy has been revoked as I did not consent to the reporting of such information nor did I give any written instructions to these agencies to make any oral, written or other reports on me. Violation of this law is confirmed under 15 USC1681b ( a ) ( 2 ) " In accordance with the written instructions of the consumer to whom it relates. ". 
The above noted agencies are erroneously reporting information relating to a false, misleading and fraudulent debt by XXXX XXXX XXXX XXXX ( {$25000.00} ). The agencies are also show unauthorized reports from US Department Of Education AFSA ( $ XXXX ) ; these reports have been showing since before 2013 and I have tirelessly worked with the agencies numerous times on my own behalf and through a significant expense to " credit service '' companies. This is STILL continuing to impact my credit, life, reputation and has had adverse action toward my livelihood. The report notes that the balances have been " sold/transferred '' without any information being provided to relating to the sale, how much were they sold for and the associated commission/profit made as a result. 
The above noted agencies are additionally reporting multiple inquiries negatively impacting my credit from third-party entities of which I gave no written notice or authority to request or utilize my credit. There are approximately 10 inquires on each report totaling 30.

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 2015-06-16
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have told American Education on multiple occasions that I have an attorney against National Collegiate Trust/NCT therefore I am not allowed to discuss anything with them but XXXX rep advised me they would need my address on file even though I have an attorney, this attorney is only representing me against National Collegiate Trust. XXXX rep advised me if it went to court, they have the promissory notes. I never signed any documents with NCT but like I advised her I ca n't discuss anything and I have the calls recorded. I do not want anymore letters from AES until the case is resolved. NCT has my attorney 's information, therefore they should be able to let AES know this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I applied and was approved for the public service forgiveness loan ( PSFL ) program. FEDLOAN transferred my account from XXXX to their program. There was approximately 30 days between the transfer eliminating any functions to pay my loan. Once an online option was provided by FEDLOAN, it was over due. When I contacted FEDLOAN they advised that after an additional " review '', my payment option was not accepted by the PSFL program. This was not clearly explained or disclosed. They advised I was approved. Now they say I am not after the transfer my loan to their private company. 

FEDLOAN approved my application for PSLF and was allowed to have access to my account prior to their original review process. They did not provide an opportunity to pay my loan, causing a overdue debt ; and mislead their ability to operate the PSFL program. 

I wish to have my overdue debt removed and placed on the PSLF, as previously promised. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: NCB Management Services 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:
NCB Management Services , Inc is and has been inaccurately and erroneously reporting a monthly account balance, payment, etc since XX/XX/2019 on a collection account to the three major credit reporting companies XXXX, XXXX, and XXXX. ( Samples of Credit Reports attached ) A collection agency should not be reporting a collection account 30 days late as the current status. The account was not opened with/by the collection agency, they purchased the bad debt. 

XXXXurchasing a bad debt does not make them the original creditor. Only the original creditor can report as 30, 60, 90 or even 120 days late. Monthly status codes related to delinquencies do not apply to collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Account that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Balance Owed : {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
A XXXX XXXX account was opened in my name fraudulently. I have contacted the credit bureaus, and sent disputes with a police report. I have requested that this fraudulent account be removed from my credit report and the credit bureaus did not remove the fraudulent account. They left it on my credit report showing the account is paid and closed. This was not opened by me so it should not be 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 2017-11-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I 'm having issues with multiple overdraft fees. Especially at the end of the month. I am trying so hard to get it all figured out but this month I made multiple mistakes. I really think these fees should be per day and should not be more than the transaction. Come payday I 'll will cry as so much is taken from me especially little petty withdarawals that I wonder how they even got approved. It is so sad that these big ceos get filthy rich on the little guys mistakes or minor lack of funds. Can you please help stop this continuous issue every month. I can not keep up if they keep taking XXXX or more dollars I can feed my kids with. I am on XXXX and my husband is working as much as possible. I made the mistake this month but all I 'm asking for is a little forgiveness to try to overcome this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: AMERICAN EXPRESS COMPANY
State: CA
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 noticed a hard inquiry on my consumer credit report dated XX/XX/2019 from American Express. American Express did not have permission to obtain information from my personal consumer credit report. 

Originally, American Express denied accessing my consumer credit report. After providing a copy of my XXXX consumer credit report reflecting the American Express hard inquiry, their position changed. American Express claimed I had consented to them pulling my personal consumer credit report. 

American Express has provided conflicting information. I am requesting documentary evidence regarding this hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to Midland Funding referencing ( Account : XXXX ) and requested a validation of debt. It has been over 30 days and I have not heard from this company, I sent a letter to the company directly at : Midland Funding, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX on XX/XX/2020.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-04
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: Information belongs to someone else

Complaint:
A XXXX XXXX account was opened in my name fraudulently. I have contacted the credit bureaus, and sent disputes with a police report. I have requested that this fraudulent account be removed from my credit report and the credit bureaus did not remove the fraudulent account. They left it on my credit report showing the account is paid and closed. This was not opened by me so it should not be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Always had the money on one on my accounts and was charged an NSF fee on another. Bank abuse

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 2022-04-15
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: Problem with personal statement of dispute

Complaint:
Transunion was informed numerous times that they were in violation of Fair Credit Reporting Act. Transunion has failed to comply, and failed to provide me with reasonable procedures. This is my final offer to correct the erroneous conduct or I will seek to file for litigation. 

Notice : Mail Tracking ID : XXXX Notice : Mail Tracking ID : XXXX Please see and read all attachments below for further proof of claim and clarity on this matter. 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 non-monetary relief
Consumer complaint received 2020-04-04
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
XXXX  as a nominee for XXXX XXXX, XXXX. in the amount of {$62000.00} Dated Date : XX/XX/XXXX Recorded Date : XX/XX/XXXX Loan NO : MIN:XXXX Instrument Number:XXXX Open Ended : YES Mortgagor : XXXX XXXX XXXX and XXXX XXXX , husband and wife . 
Assigned To : XXXX  XXXX  XXXX XXXX  XXXX  XXXX fka XXXX  XXXX  XXXX XXXX  XXXX  as successor Trustee to JPMorgan Chase Bank, N. 
A., as Trustee on behalf of The Certificateholders of The XXXX XXXX, XXXX Revolving Home Equity Loan Trust, Series XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
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: Account status incorrect

Complaint:
The first date of nonpayment on this account was in XX/XX/XXXX. As of writing this it is XX/XX/XXXX. The original creditor was XXXX. The account was then sold to XXXX XXXX who was the second creditor. XXXX XXXX then sold the account to XXXX XXXX XXXX who is now the third creditor. The account is a collection and is now in the hands of a third creditor who is strictly a debt collector. The account is reported as " Open '' which is inaccurate and should be updated to " closed '' or removed immediately. There is no credit being extended by XXXX XXXXXXXX XXXX nor was any extended by XXXX XXXX. There is no active loan and no payments are being made and there has been no settlement made. At this time the account is inactive and should be listed as " closed '' yet there is a collection for {$1200.00} on my credit report listed as an " open '' account. 

I contacted transunion, XXXX, and XXXX regarding this matter and asked them to change the account to " closed ''. They have stated that they are in FCRA compliance. I do not believe this to be compliant. The account is certainly inactive and closed. 

Is this FCRA compliant? If so why is the account not closed and when is an account in collections considered closed? If this is not FCRA compliant can you please compel transunion, XXXX and XXXX to remove this account or update it to " closed ''. 

Additionally the original creditor is listed as " XXXX XXXX ''. They are not the original creditor. The original creditor is " XXXX ''. 

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 2017-03-27
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is a payday loan that is currently now being reported to my credit. I have tried disputing the error with XXXX and they stated that the it meet the FCRA requirements. I never recalled getting this pay day loan in my name and this should not be reported to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Honestly, I don't even care if Barclay 's responds back this time. After the whole XXXX  before where they lowered my credit limit for some garbage reasons, they did it ago and in the 7 years I've been a faithful customer, I have gone from a {$2500.00} credit limit, down to {$500.00} when I just logged into their portal. Have nothing positive to say about Barclay 's. Honestly, CFPB, I wish the Fed Govt would just pull their operating license in the US. They don't deserve to have US consumers as customers. I could care less if they responded to this or not because their answer, or excuse, would be meaningless. They can claim validity all they want in what they are doing, but I have credit cards with XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX, and not one of those other companies has done this XXXX. 

They are complete garbage! And I hope JetBlue pulls their branded credit card from them and gives it to a XXXX. Honestly, JetBlue customers would be much better off.

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 2016-08-10
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To who it may concern ; yesterday morning, XXXX XXXX I contacted the Experian Fraud department and disputed multiple information that is fraudulent on my credit file, XXXX of which are my contact information, Name, address etc. and the other of which is a collection that has appeared on my credit file. I have since contacted XXXX and XXXX XXXX XXXX XXXX and am attaching proof that XXXX XXXX XXXX and XXXX have now deemed this as fraud. The letter attached is directly from XXXX XXXX XXXX 's Fraud department. The following is the information needed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone # XXXX Partial account # XXXX Original Creditor XXXX XXXX Please update my credit file to only reflect the following name variations : 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 2015-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union is ignoring my requests to investigate and remove some accounts from my credit report that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This letter is a follow up to my original letter regarding the inaccuracy in your credit reporting, regarding the entry being reported as Repossession and Charge-off. 

Pursuant to the class action settlement agreement effective XX/XX/2021, you are mandated to remove the repossession/charge-off from my credit reports. However, I was informed by your executive department that the entire trade line will be removed. I do not authorize the entire trade line to be deleted from my credit reports. I had 1.9 years of on-time payment history which is accurate. I never had a late payment. I only authorize you to remove the unlawful repossession and charge-off status and leave my on-time payment history. I have a copy of my sales contract whereas both parties agreed to report my payment history to the consumer reporting agencies. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for purpose of filing a complaint with the Federal Trade Commission and the Attorney Generals office should you continue your non-compliance. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 

Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

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 2016-07-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I demanded validation and proof of the alleged account labeled XXXX no reasonable documentation was given to me and this account has still not been validated. i demanded physical contractual proof between me and this company and none was ever presented experian refused to reinvestigate without having validated this to begin with. i do not have a contract with this company and never will and want this removed from my credit report it has been removed from transunion due to lack of validation already

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