BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 sent a dispute letter against the Credit Bureaus on XX/XX/2022, and awaited their response, 30 days passed and the Credit Bureaus failed to respond to my dispute letters. Once again, I sent another Dispute letter on XX/XX/2022, to folow up the Credit Bureaus. Both dispute letters request the correction of my Credit File by correcting the disputed accounts or removing those that are not erroneous. Under the Fair Credit reporting Act, the Credit Bureaus are obligated to finish their investigation within the time allowed by law, which is 30 days. More than 30 have passed since my first dispute letter was sent and yet the Credit Bureaus have sent me nothing! I am now submitting this CFPB complaint to inform the Credit Bureaus that I am willing to file lawsuit against the Credit Bureaus in the event they do not comply with the Federal law. Once again, I am requesting that the Credit Bureaus correct, update, and or remove the disputed accounts that are reporting erroneous information on my Credit File : XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: GA
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 XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


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 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
This loan began while I was XXXX in the XXXX, with XXXX in XX/XX/2008 and was sold to American Education Services. The original loan was for {$15000.00}, I have paid more than the minimum faithfully from day. According to statements, as much as {$3000.00} a year. Somehow the balance on the loan is still {$11000.00} which does n't compute even when taking the interest rate into account. When I call to try and find out how this is not a toxic loan, I am just threatened with leans if I fail to pay even though I never once hinted that I would ever stop paying back my loan. Something does not seem right about all of this and they seem to be hiding something to react this way right out of the gate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Due to financial difficulties as a single mother, I had asked for a forbearance on my student loans years ago and was told ok. This was many years ago, I ca n't remember what year - XXXX, maybe. I had not heard anything from any agency. No one called my work or home. Now it 's XXXX, two weeks ago, XXXX XXXX started calling my employer about a wage garnishment. They were harassing me at work. I had no idea XXXX XXXX had my student loan. I thought it was a scam. Last week, I called the US Dept of Education and they could only tell me my student loan had been transferred to XXXX. They could n't tell me anything else about my loan. I never received any paperwork to that effect. I called the XXXX and was told my student loan was in default and had been taken for collection by XXXX XXXX. I never received any paperwork notifying me or giving me the chance to make payments on my loan. Now XXXX XXXX is garnishing my wages with an amount that I can not afford to pay. XXXX XXXX was rude and threatening and called continuously at my employer. I also felt that they gave out private information to my employer that they should not have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This bank today unlike no day before has closed all my accounts this is horrible unreasonable unconstitutional its not fair I did nothing to them I was a loyal customer since 2016 they never had I had never given them any problems to let me go like this I was unable to login to my online banking and when I called I was treafnerfed to a dept risk which said my accounts were under pending closure review this is not fair unlike never seen before I asked for more information they would not give me a reason and said their sending a cashiers check I love Bank of America and dont appreciate them treating me like this I did nothing to them for them to shut me and my accounts like this and tell me that they dont want to do business with me anymore and that I can never have any deposit accounts with them anymore Im shocked and feel this is unreasonable to me i loved doing my banking with them but this is shocking for me to see and hear that I can not overturn this decision or open any new accounts with them now or the future totally unfair I feel Ive been discimaimted Ans their had been fraud in my name I am a victim of identity Theft

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 2022-10-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$32000.00} ; XXXX XXXXXXXX XXXX Balance : {$2200.00} ; XXXX XXXXXXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$6300.00} XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received a personal email solicitation from Bank of America inviting me to open a checking account with {$50000.00} to receive a {$500.00} bonus after 60 days. We visited a local branch, presented the email and told the rep that we wanted to take advantage of the offer, We deposited {$5000.00} on XX/XX/XXXX. As of today XX/XX/XXXX we have NOT received the bonus money. We visited the local branch and spent over an hour with XXXX XXXX who agreed the money was due. XXXX called the bank 's main office and after an hour we were told that the issue would be investigated and to check back in 60 days. The branch manager XXXX XXXX agreed with us since we brought the original email, the notice of the original bank appointment and all receipts. She said they can not do anything. 
This is false advertisement targeting seniors since I am XXXX and my wife XXXX. 
You have to stop these crooks before other senoirs fall prey to their scam! 
Please help!

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 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2022-10-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-08-15
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am having difficulty paying my Direct loan with AES. The monthly paym ent ballooned from {$290.00} to {$580.00} this last month in XXXX. When I spo ke to a rep he indicated the loan was a select XXXX payment plan. The XXXX 2 years you pay only interest. After that the loan goes to " standard level '' pay- ments of principal and interest. 
I explored the options they provide non of which would be beneficial under my circumstances. I want to pay this loan, but tried to find the way and there does not seem to be a workable option. 
Please help me. They also divided my loans for the same college, and indicated I would have to pay in addition to the $ XXXX, another {$430.00} beginning XXXX XXXX due to the agreement I had been offered in XXXX. I have been paying interest only on this loan ( XXXX seq. loans ). Why is it is now split into XXXX payments which I am completely unable to pay and will most certainly go into default. I do not want this to happen, but I have a mortgage, car loan, another student loan I am paying off at a reasonable monthly from my bachelors and other monthly expenses. I can not combine this obligation with my husbands info since this loan is under my name it is my obligation only. Please help me as I do not know what else to do. I just received another bill that I now owe {$1100.00} plus XXXX in late charge and rising.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
again these people do not provide accurate information to me and did not help me please help dispute the items that they say that is on my credit report i have told them that my information is not correct an they still would not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXXXXXX Balance : {$6100.00} ; XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$300.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXXXXXX Balance : {$3800.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7700.00} ; XXXX  XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; 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 non-monetary relief
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX Balance : {$3500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$6100.00} ; XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$300.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXXXXXX Balance : {$3800.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7700.00} ; XXXX XXXXXXXX Balance : {$150.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXXXXXX Balance : {$410.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, CA 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 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX, Reported : XXXX XXXX, 2020. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.

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 2016-11-09
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My Gold American Express Credit Card has had Fraud since about XXXX or XXXX of 2016. I 've been making contact with American express to get the amount that I owed for my payment considering the fraud on the account. I told them I was n't going to pay unless everything was calculated properly and fairly. Finally, XXXX approaches and my account is the same. I did n't see any deductions. Every time I call they tell me its been taken care of. At the time, I get an alert from the credit bureau saying my account is 30 days past due. I called again and they stated that would be taken off. XXXX finally comes and I deal with the same thing. XXXX comes and I am still dealing with the same thing. At this point I am highly stressed out and do n't know what to do. I am asking to speak to the American Express Credit Bureau dept and no one wants to put me through. They keep saying I 'll see updates. At this point, I get an alert and it says my account is 90 days past due. Towards the end of XXXX I spoke to an account specialist who finally understood what I was saying and he did what he could do. He told me my account would be back open by XXXX XXXX and if it were n't to give them a call back. He also stated that my account should be back current because I should n't be responsible for unauthorized use. He said he read all my notes and can honestly tell me that I should n't have to go through this and that nothing was my fault. His name was XXXX and his XXXX. Besides that, I called XXXX XXXX, 2016 and my account was n't open still and apparently the rep I spoke with told me I had to reapply which is extremely unfair by the way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-18
Company: Texas Guaranteed
State: MS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
On XX/XX/XXXX I signed for a XXXX loan for my daughter with Texas Guaranteed. in XX/XX/XXXX I filed Chapter XXXX in Mississippi and claimed TG as a creditor which they filed a claim for {$10000.00} which was paid in full and my case was closed in XX/XX/XXXX. I have received phone calls from TG that I now owe them an extra {$4000.00}. The case number from TG is XXXX. My attorney explained to me before filing that creditors would file what I owed them and once they were paid that debt was over. Desired solution is have them quit calling and recognize this is a settled debt by The Bankruptcy Laws. They are also not to affect my credit scores or report in any way. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ms XXXX email- XXXXXXXXXXXX Texas Guaranteed case - XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation