BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 
XXXX XXXX {$250.00} XXXX XXXX {$830.00} XXXX XXXX   XXXX {$350.00} XXXX XXXX XXXX {$32000.00} CHAPTER XXXX BANKRUPTCYDISCHARGED 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 2022-08-16
Company: M&T BANK CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My Wife and I have been People 's United customers for over 16 years and have had a very solid and friendly relationship with them throughout that time. We mortgaged our new home through them and have maintained both savings and checking accounts through them with very strong balances. We also, recently opened a business checking account with them after they continuously promised to provide excellent servicing of the new account. 
I then received a letter, in XXXX, from M & T bank stating that they were taking over and no longer wanted to service any of our accounts and that the accounts would be automatically closed by XX/XX/XXXX if we didn't come into the branch and close them ourselves. 
We therefore, visited the branch on 3 separate occasions to try to clear up this matter and obtain an explanation. We were told, all 3 times, that we would be contacted by XXXX XXXX, the bank manager, within 24 hours. We never heard from her or anyone else from People 's United again. 
We left for a XXXX vacation at the end of XXXX and arrived home on XX/XX/XXXX, only to find that all of our accounts had been closed with no explanation, still. I called the home office and they 'again ' stated that XXXX XXXX would contact us when she returned back in the office after XX/XX/XXXX. We again, never heard from People 's or M & T. 
In the meantime, we had direct deposits from my employer that had nowhere to go, as well as bills that were supposed to be automatically paid that fell delinquent.and damaged our exceptional credit rating. And we still have no explanation as to why this happened in the first place. 
My Wife and I have never felt so humiliated and have never witnessed such a cover-up of information as to why we were cancelled by the People 's family to begin with. If they had just been honest with us from the start, we could have made adjustments before our trip to avoid this fiasco.

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 2020-02-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
1 ) Equifax breach my personal identifiable information in XXXX Data Breach 2 ) There were 6 fraudulent applications submitted on XXXX and informed Equifax but they haven't corrected the records. Even, XXXX XXXX XXXX XXXX XXXX XXXX XXXX didn't approved the credit card applications. Equifax haven't corrected the soft & hard inquires. 

3 ) Equifax share complete Social Security Number on the dispute & send it as a postal mail. It's not correct way to share SSN, Date of Birth through postal mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: CL Holdings LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The JEFFERSON CAPITAL SYSTEM ( Original Creditor Name : XXXX ) XXXX is being reported as a collection account in my Credit Report. This debt is already settled. Moreover, this collection account has a Past Due amount. I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: ERC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have no knowledge of this account it says it was opened 3 months ago XX/XX/2019 for XXXX XXXX XXXX  in the amount of {$300.00} I have not had any of there services the creditor on my report is Enhanced Recovery Compan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
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 is missing that should be on the report

Complaint:
information need to be put back on b/c I found out its mine so please add it back : was giving false informations : XXXX, XXXX. 
Account XXXX This item was removed from your credit report. Please review your report for the details. 
Show Details | View your Report | View your credit score Deleted + 'icon ' Deleted

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 2017-04-21
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On  XXXX   XXXX ,  XXXX  I submitted a lette r to Ability Recovery Services request ing validation of a past debt . Ability Recovery  Services acquired a collection account from  XXXX   XXXX  which claimed that I owed them {$410.00}. I have since contacted  XXXX   XXXX , requesting debt validation, the company mailbox is closed, and the account is also closed. In  XXXX   XXXX ,  Ability Recovery Services offe red to settle the account at a 20 % discount. On  XXXX   XXXX ,  XXXX , I paid {$330.00} via credit for a debt your firm claimed that I owed. On  XXXX   XXXX ,  XXXX , I received a letter from  XXXX   XXXX   XXXX   XXXX , with reference account #  XXXX , and the same creditor of  XXXX   XXXX   XXXX ,  XXXX , stating I owe them {$82.00}. That account number of #  XXXX  is the same account number listed on a letter I received fro m Ability Recovery Service  on  XXXX   XXXX ,  XXXX . Now, if I paid  Ability Recovery Services w hy is  XXXX   XXXX   XXXX   XXXX  attempting to collect the balance of the same debt for the same creditor? Ability Recovery Services is refusing to remove this item from my  XXXX  credit reports and holding me accountable for {$82.00}.  XXXX   XXXX  sold the account t o Ability Recovery S ervices, transferring my information without my knowledge. Ability  Recovery Services s hould have proof of this debt, to provide me. I requested a debt validation, and as on  XXXX   XXXX ,  XXXX , the company has failed to response to my notice. I have a copy of the digitally certified mail delivery proof showing my registered letter was delivered. All I am asking for is the proof of the debt, under the Fair Debt Collection Practices Act, I am entitled to this proof. If they do not have this proof, they will need to refund me back my money, and I will seek legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Upon being denied from a lender for " too many inquiries '' from  XXXX  report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my Experian,  XXXX  and  XXXX  that I DID NOT AUTHORIZE and had no knowledge of. I also have had frauds alerts already in place which should have avoided any future issues. Please see the following inquries that were not authorized by me with the date of when the report was improperly requested and received any identification or authorization from ME to pull my credit for any reasons.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 2017-04-10
Company: CITIBANK, N.A.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Citi bank loan number XXXX for {$6900.00} transferred the loan to XXXX and they illegally posted in on my credit XX/XX/2017 causing my credit score to drop with all XXXX reports by XXXX points This is the same existing loan that has been on my credit for seven years due to drop off that we just investigated a month ago. since investigation they reported as a new credit collection. This loan is to fall off XX/XX/2017 please confirm this date as well. 

please look into this - I would like it removed. 

This loan has a drop

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 2022-03-02
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
After numerous attempts over a period of a year, I am not able to receive the following from my current and former Student Loan servicers : Total accounting of my student loan accounts, including payments and tax return offsets. These items should have exact dates! 

PHEAA / AES XXXX XXXX XXXX XXXX. Department of Education XXXX XXXX XXXX My loans balances were inflated after defaulting in 2008. I consolidated with PHEAA. I have yet to see a complete accounting breakdown of transactions with dates. I have not received my consolidation paperwork. 

PHEAA never actually consolidated my loans. All 3 loans are still showing as single loans. Even though they were supposed to be paid off with the tax return offset. The balances were inflated before the sale. The loans have since been resold multiple times to servicers and collection agencies that are either no longer in business, no longer legally permitted to service Federal Student Loans or Bankrupt. 

Every single company and government agency has " passed the buck '', claiming that another is responsible for providing the requested documents. Even reaching out to and submitting a formal complaint to the US Department of Education 's Office of Investigations has yielded a 180 to being told to reach out to the servicer! 

Meanwhile my tax returns have been taken for over the amount owed but I still have a rising balance despite there being a National freeze on all Federal Student Loans! 

Please assist. This is ruining my life. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15
Company: OneMain Finance Corporation
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: Account status incorrect

Complaint:
I obtained a title installment loan from OneMain in XXXX and paid the loan off in XXXX. I contacted OneMain in XXXX to report that they're reporting my account as a charge-off ; which in fact it was not charged off, but paid in full. I have tried to resolve this matter with the company via letters and phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Consumer Portfolio Services, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I paid Consumer Portfolio Servicing off in XXXX. I settled this account before the car was due to be paid off and they still have this reporting negatively on my credit report. It's showing that the account is closed, but they have it listed as a " Charge Off '' and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
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:
PLEASE FIND ATTACHED LETTER I WROTE TO THE MORTGAGE COMPANY THAT I USED TO BE WITH AND PAY PAYMENTS. THEY ARE REPORTING LATE PAYMENTS, I WAS XXXX TO XXXX BACK THEN AND MY PARENTS TRIED THEIR BEST TO HOLD ON TO WHAT I HAD CREATED AND WITH ALL THE DIFFICULTIES THEY HAD TRIED THEIR BEST TO MANAGE TO MAKE PAYMENTS AND BE THERE FOR ME. 
I TRIED TO CALL THE XXXX CO. BUT THEY ARE NOT IN BUSINESS ANYMORE AND ASKED TO LEAVE A MASSAGE. I HAVE NEVER RECEIVED ANY CALLS BACK TO RESOLVE THIS ISSUE. 
PLEASE HELP ME TO REMOVE THIS NEGATIVE MARKS FROM MY CREDIT REPORTS I NEED TO REFINANCE THIS HOUSE AND HOPEFULLY GET MARRIED AND START A NEW LIFE. 
MY RECORD IS SPOTLESS EXCEPT THIS TINY TIME WHICH I WAS NOT AROUND AND WAS SUPPORTING MY COUNTRY. NOW I NEED YOUR HELP TO REGAIN MY POWER AND BEGIN A NEW LIFE. 
APPRECIATED

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 2017-08-30
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have been approved into PSLF ( Public Service Loan Forgiveness Program. My loans were moved to FedLoan.org. My employer ( of 16 years XXXX XXXX ) has been approved. I received my qualified loan payments to be XXXX. I have requested a review and specific breakdown of why so little of my payments are approved toward my loan forgiveness. I have had no response.
I have been paying in some form of income based program for my student loans for 15 years. I have been under the IBR program at least since 2013.
I have grave concern this is a way to delay my ability to apply for loan forgiveness.
I have a XXXX and XXXX degree in XXXX XXXX, I am a XXXX XXXX XXXX XXXX XXXX who has been utilizing my skills working with some of our most disenfranchised populations in the XXXX XXXX for 16 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: The Receivable Management Services LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I rented a car from XXXX in XXXX on XXXX XXXX, XXXX. A few days later the car completely stopped running and I had to call a tow truck to have it towed. I paid US {$380.00} for this car that died. I then had to rent another car, which was supposed to be a 4 wheel drive, and when I picked it up at the airport the car was not a 4 wheel drive. I had to wait an additional day to get a 4 wheel drive car, using up 2 days of my vacation. I paid an additional XXXX {$600.00} for the second car. I paid for both cars on a XXXX credit card. 

XXXX told me the car died because I drove through a puddle. This was not at all possible, as the car was FACING the puddle when it died, and I had not even gotten to the beginning of the puddle at all. In addition, when I picked up the second car the XXXX merchant told me I would not be charged anything additional for the car that died. 

On XX/XX/XXXXXXXX charged my credit card an additional US {$3300.00} for the car that died. I disputed this charge with my credit card company on XX/XX/XXXX. Attached is letter I sent in dispute of this amount to XXXX credit card. The credit card company resolved the dispute on XX/XX/XXXX in my favor and I did not pay the disputed amount. 


On XX/XX/XXXXI received a letter in the mail from XXXX XXXX XXXX RE : XXXX XXXX XXXX XXXX / XXXX claim No. XXXX The letter claimed I owe US {$3300.00} the letter is attached and states : " recently you requested information to support the creditor 's request for payment of this account. Enclosed is the necessary information for you to identify the account. '' I NEVER requested any information from them or anyone else. 

I called the tel. number on the letter on XX/XX/XXXX The person who answered would only give his first name ( XXXX ), would not give his last name or physical street address of his office. He said he was located in the XXXX, said there was no professional license, then hung up on me.

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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My student loan was being serviced by the XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, however my loan has been transferred to a different servicer and is currently not in collections, so this needs to be removed.

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 2019-11-27
Company: Experian Information Solutions Inc.
State: WA
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:
With both Experian and XXXX, I am unable to get the credit bureaus to report corrected information, even after providing them with updated information related to an account. 

The account in question is either XXXX/XXXX or XXXX/XXXX, which is a child support debt. The account number is XXXX. 

XXXX  is reporting both XXXX/XXXX with a {$610.00} balance and XXXX/XXXX with a {$610.00} balance. This is the same account being reported twice, and the balance on the account is {$0.00}. 

Experian is reporting XXXX/XXXX with a {$230.00} balance. This account has a {$0.00} balance. 

This debt is paid in full. The amount owed is {$0.00}. My children are over XXXX now, so there will no longer be child support. So, this account is now closed. 

I have attached an updated ledger from the Washington State Department of Child Support to support my position. On page one of the report, it shows a XXXX 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 2017-08-30
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have sent two financial packets at the request of Fay Servicing @ XXXX XXXX XXXX because we were struggling to make monthly payments. No one calls us back or responds in way all the sudden we get a letter in the mail that our house is being foreclosed on, we tried to maks payments when we first started being unBle the full amount they would not except partial payment, in my opition Fay Servicing just wanted to raise the amount we owed knowing we could not afford them raising the monthly payments, then foreclsose sell to another family just to do the same thing. Can your company please help us save our home. Thank you The XXXX Family XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Mitsubishi Motors North America, Inc.
State: PA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Mitsubishi is reporting me late on  XXXX  and  XXXX   2017 but I tr aded this car in and got a new loan with  XXXX   XXXX . This is hurting my credit and am asking for these late payments to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
On XX/XX/XXXX I submitted a complaint with this company due to previous disputes about a inaccurate dismissed bankruptcy reported on my credit report with Transunion, XXXX and XXXX in the amount of {$0.00}, which dates disputed with Transunion were XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and XXXX were XX/XX/XXXX and XXXX. As of XX/XX/XXXX the new law stated that all new judgements and liens will not go on credit reports unless they have identifiable information. Credit bureaus should begin to remove previous judgements and etc. that do not meet the new standards. Transunion, XXXX and XXXX failed to remove the bankruptcy off of my credit report in a timely manner. Transunion advised that it were investigated and came back that the Arkansas bankruptcy court verified the information which is a violation of the fair credit reporting act. I never heard a response back from XXXX and XXXX never replied with their dispute. I have listed documentation from the US Bankruptcy court that they do not report information to credit bureaus. XXXX followed the new law and removed such items from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation