BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-04
Company: AES/PHEAA
State: PA
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 almost XXXX dollars in private student loans serviced through servicer AES and lender XXXX. I make {$15.00} an hour currently. The standard payment they wanted me to pay was around {$860.00} a month. I can not afford that monthly payment indefinitely so I applied for their modified repayment plan XX/XX/XXXX. They wanted my XXXX most recent pay stubs so I sent them to them. I receive some correspondence some 10 business days later that they need my pay stubs again. I begrudgingly sent them more pay stubs and awaited a reply that was made ever longer by the holidays taking away business days from the month. I called a few times in between then and now to see what the deal was and was basically given the run around. XX/XX/XXXX I was told that we were just waiting on XXXX to approve or deny my application so I waited. In the meantime I had to pay the standard payment of XXXX and did so by borrowing money from my family. I have done this for the months of XX/XX/XXXX, XX/XX/XXXX, and what will now soon be XX/XX/XXXX. How many more months will I have to keep this up? I called again at the beginning of XXXX and was told that the application was only just sent to XXXX on XXXX XXXX XXXX. Previously, I was told that XXXX had already received my application. That was clearly either an outright lie or a skillful misdirection. I just have no hope for this process. Applying for IBR for my federal loans was a piece of cake and quick. At least my federal loan servicer ( XXXX XXXX ) applied a forbearance on my account while the application was in process. I went to the University of XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
TransUnion had 2 separate glitches that occurred that deleted two inquiries on my credit report and then was re-added to my report once the glitch was discovered. Transunion failed to notify me in writing 5 days prior to re-adding the inquiries to my report that they were intending to do so. I called Transunion on XX/XX/XXXX at XXXX XXXX and spoke with XXXX XXXX regarding Transunion unlawfully re-adding inquiries to my credit report without prior notification. XXXX, before gathering my information, immediately said that I was not affected. I then asked to speak to a supervisor who could be of better assistance. Ultimately, he refused to delete the inquiries that were unlawfully added to my credit report. The computer glitch was TransUnion 's problem - not mines- which caused my inquiries to be deleted. TransUnion later added the two inquiries back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. These two inquiries are from XXXX XXXX dated on XX/XX/XXXX and from XXXX XXXX dated on XX/XX/XXXX. These inquiries add a hardship and my rights were violated by TransUnion. I ask you CFPB to help make TransUnion stop victimizing me. As a resolution, I ask that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.

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 2020-11-20
Company: Experian Information Solutions Inc.
State: MS
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I mailed a letter asking for an investigation of inaccurate accounts shown on my credit report. I never received a response so on XX/XX/2020, I mailed another letter. Still no response so I sent another letter on XX/XX/2020. I STILL haven't received a response. It's been 6 months and I have written three 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 explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter requesting that you reinvestigate the disputed Accounts from my credit report as well as remove or update these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Balance {$0.00}, XXXXI XXXX Balance {$2.00}, XXXX  XXXX XXXX {$400.00}, XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$1000.00} XXXX XXXX BANK XXXX Balance {$570.00}, XXXX XXXX CARD SER XXXX Balance {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I was slammed with a fake website while trying to order comedy tickets from XXXX XXXX XXXX XXXX XXXX XXXX located @ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX. The following attachments are documentation that BB & T Bank refuses to cooperate to refund monies that was not authorized from a fraudulent company that has scammed me and many other people. First, BB & T representative assured me, when charges of {$270.00} posted to my account, I will be refunded. I contacted BB & T Bank continuously and its always an unresolved response such as merchant is disputing the claim then you have to wait for 30 days and final response was if merchant dont response, monies will be refunded. On XX/XX/XXXX @ XXXX XXXX, still no refund or merchant response. It has been over thirty days. I never received tickets from fraudulent vendor. Therefore, Im out of {$270.00} and tickets too. The attachment # 1 is the actual letter to start claim process, attachment # 2 is the actual website for XXXX XXXX XXXX XXXX XXXX XXXX with tickets purchased and confirmation. I finally was able to purchase two tickets from the correct website. After, I attempted to purchase ticket again ; the fraudulent website came up twice. As I explain to BB & T representatives more than once, I attended a show with tickets purchased from XXXX XXXX XXXX XXXX XXXX XXXX but my debit card was charge {$270.00} for tickets NEVER received. It has been very stressful and unfair to be treated in such an appalling manner. I have contacted BB & T Bank on the following days : XX/XX/XXXX ( first call ), XX/XX/XXXX ( informed BB & T representative to expect an email ), XX/XX/XXXX @ XXXX XXXX-13 mins-38 seconds, XX/XX/XXXX @ XXXX XXXX-7 mins-44 seconds, XX/XX/XXXX @ XXXX XXXX.-11 mins-46 seconds, XX/XX/XXXX @ XXXX XXXX-19 mins-1 second

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 2020-05-20
Company: EQUIFAX, INC.
State: AK
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 account with XXXX I have closed my secured cc account. I contacted the CU and everything is good on there end. However, XXXX  and Equifax are still reporting that I have a late payment in their systems. XXXX  is the only one with the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
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:
When XXXX had it's big data breach I had all if not my entire body stolen from me. Those XXXX are no good for nothing agencies stealing our information selling it for profit when we the American workers work our bottoms off XXXX sweeting puddles of water and these guys selling our social security numbers, banking information, changing my name around, taking my california unemployment money totaling over XXXX XXXXXXXX should go to Jail also he's another Scammer. XXXX, Experian and XXXX it doesn't matter how many letters you send them, how many registered letters you send and demand them to fix your credit report they DO NOTHING. I got hit really hard do to XXXX I had a really good job in the Hotel industry General Manger At a XXXX In the XXXX XXXX got Furlough though hey I will collect unemployment XXXX month went nothing XXXX months went by nothing XXXX months went by nothing XXXX years now nothing so XXXX I'm the scammer whos on my Credit reports all three of them Living in XXXX XXXX XXXX XXXX I've been trying for XXXX years to get those XXXX agencies plus thje Attorney General he's another XXXX to fix my Credir reports. The person using my identity is messing me up daily. This person is running my credit everyday. Catr shopping. I did go car shopping in XX/XX/2021 at XXXX XXXX XXXX. Experian Has XXXX Hard inquires I WANT OFF MY REPORT NOT MINE THEY NO IT AND THOSE XXXX NO IT. who in he XXXX goes cat shopping daily. Come on people just look at the dates it looks so suspicious they did no follow ups on any of my letters, none of the credit bureaus. The only inquiries that should be on my credit report for XXXX is XXXX XXXX and XXXX all the others XXXX XXXX  XXXX, XXXX, XXXX, XXXX  I have a BOX full of letters I'm not paying ANY lawyer for those XXXX mistakes. I'm not rich. They need to correct all my names, my addresses I only have ONE NAME AND ONE ADDRESS. I'v elived their my entire life. They all know it. EXPERIAN AND XXXX I am for sure are the Fraudsters there the people behind the fraud there the skeleton in the bag XXXX  us all over. I want my credit repoert fixed ASAP.

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 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
As part of the Equifax hacking scandal, I was told that I might be impacted. As such, I 'm filing a complaint against Equifax for how they handled this situation and how they have not offered any sort of services or help for those who might have been negatively affected by their blunder. It 's the height of unprofessionalism and hardly seems legal that something like this should be allowed to happen without certain safeguards in place or without providing information on how to deal with this problem. Additionally, the fact that enrolling in their Fraud Check report system means waiving the ability to sue them down the road seems highly suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I closed my credit card account with Capital One in XXXX. I was told that balance would be paid automatically within the next cycle. Balance was XXXX and I did not think about it till XXXX, when I found out that my credit score dropped by 140 (! ) points. I found out that they never processed payment for XXXX dollars and did not inform me about it so I can pay in time. It caused incredible damage as I am working on mortgage refinancing and my credit score was >800

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Harley Davidson Financial Services Inc
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I grt a call from a person named XXXX who works at Harley Davidson Financial. He calls me almost 5 times a week and I have proof on my phone bill that shows and states this. I have asked him numerous times when he calls to stop calling me numerous times and he still continues to call me on my personal cell phone number that is listed. This is unacceptable and I will not tolerate this abuse. I have reported him to Harley Davidson customer service and they have not done anything about this. If this continues to happen this will leave me no option but to file with an attorney in my local town and sue Harley Davidson and this guy XXXX for unfair practice and harassing and calling when I have stated numerous times to stop calling me I dont know who you are

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: SERVICEMAC, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company is delaying the repairs on my house after the hurricane Michael by keep making errors on found release. 

They ignored the invoices submitted by the owner. Sent a check of $ XXXX to the borrower and the window contractor by accident. The error was a knowledges in XX/XX/XXXX, yet not fixed. 

The loss department deposit the founds in a different escrow account which delays the found release for repairs. 

No supervision called me back to solve this matter. I spend 30- 50 minutes on the phone to get a run around why I can not have my money released.

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 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
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 have disputing the XXXX XXXX report with Trans Union for months and they keep reporting that this is still an open account when infact its a closed account and was suppose to be resolved by making a good faith payment to XXXX XXXX XXXX. This inaccurate information is causing me financial harm and giving me no further option than to hire an attorney and file suit against both Transunion and XXXX XXXX. 

I have attached a screenshot from their website showing there is a {$0.00} balance and its closed. 

Why is Transunion still posting inaccurate information?

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 2022-01-26
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:
When XXXX had it's big data breach I had all if not my entire body stolen from me. Those peacocks are no good for nothing agencies stealing our information selling it for profit when we the American workers work our bottoms off XXXX sweeting puddles of water and these guys selling our social security numbers, banking information, changing my name around, taking my california unemployment money totaling over XXXX XXXX should go to Jail also he's another Scammer. XXXX, XXXX and Transunion it doesn't matter how many letters you send them, how many registered letters you send and demand them to fix your credit report they DO NOTHING. I got hit really hard do to Covid-19 I had a really good job in the Hotel industry General Manger At a XXXX  In the XXXX XXXX  got XXXX though hey I will collect unemployment 1 month went nothing 2 months went by nothing 4 months went by nothing 2 years now nothing so XXXX I'm the scammer whos on my Credit reports all three of them Living in XXXX XXXX XXXX CA I've been trying for 2 years to get those 3 agencies plus thje Attorney General he's another idiot to fix my Credir reports. The person using my identity is messing me up daily. This person is running my credit everyday. Catr shopping. I did go car shopping in XX/XX/2021 at XXXX XXXX XXXX. XXXX Has XXXX Hard inquires I WANT OFF MY REPORT NOT MINE THEY NO IT AND THOSE IDIOT NO IT. who in he XXXX goes cat shopping daily. Come on people just look at the dates it looks so suspicious they did no follow ups on any of my letters, none of the credit bureaus. The only inquiries that should be on my credit report for XXXX is XXXX XXXX and XXXX all the others XXXX XXXX XXXX XXXX, XXXX, OMG I have a BOX full of letters I'm not paying ANY lawyer for those idiots mistakes. I'm not rich. They need to correct all my names, my addresses I only have ONE NAME AND ONE ADDRESS. I'v elived their my entire life. They all know it. XXXX AND XXXX I am for sure are the Fraudsters there the people behind the fraud there the skeleton in the bag screwing us all over. I want my credit repoert fixed ASAP.

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 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I found some unauthorized inquiries on my credit report which I requested to be removed by their fraud department and I was told to do a XXXX report and they can investigate and remove. I did just that and when I called back TransUnion I was told to call every company and request a letter of deletion which I was told they dont do. I called XXXX I was told that they are a software company and dont have my record. I called XXXX I was told that the do not have that inquiry on their system and I was not able to contact XXXX XXXX and 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 2022-01-26
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:
When Equifax had it's big data breach I had all if not my entire body stolen from me. Those peacocks are no good for nothing agencies stealing our information selling it for profit when we the American workers work our bottoms off 9-5 sweeting puddles of water and these guys selling our social security numbers, banking information, changing my name around, taking my california unemployment money totaling over XXXX XXXX should go to Jail also he's another Scammer. Equifax, XXXX and XXXX it doesn't matter how many letters you send them, how many registered letters you send and demand them to fix your credit report they DO NOTHING. I got hit really hard do to XXXX I had a really good job in the XXXX XXXX General Manger At a XXXX  In the XXXX XXXX got Furlough though hey I will collect unemployment 1 month went nothing 2 months went by nothing 4 months went by nothing 2 years now nothing so XXXX I'm the scammer whos on my Credit reports all three of them Living in XXXX XXXX XXXX CA I've been trying for 2 years to get those 3 agencies plus thje Attorney General he's another XXXX to fix my Credir reports. The person using my identity is messing me up daily. This person is running my credit everyday. Catr shopping. I did go car shopping in XX/XX/2021 at XXXX XXXX XXXX. XXXX Has XXXX Hard inquires I WANT OFF MY REPORT NOT MINE THEY NO IT AND THOSE XXXX NO IT. who in he XXXX goes cat shopping daily. Come on people just look at the dates it looks so suspicious they did no follow ups on any of my letters, none of the credit bureaus. The only inquiries that should be on my credit report for XXXX is XXXX XXXX and XXXX all the others Ally, Capital XXXX, XXXX, XXXX, OMG I have a BOX full of letters I'm not paying ANY lawyer for those idiots mistakes. I'm not rich. They need to correct all my names, my addresses I only have ONE NAME AND ONE ADDRESS. I'v elived their my entire life. They all know it. XXXX AND EQUIFAX I am for sure are the Fraudsters there the people behind the fraud there the skeleton in the bag XXXX  us all over. I want my credit repoert fixed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: AMERICAN EXPRESS COMPANY
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: Account information incorrect

Complaint:
My complaint is against Amex account # : XXXX, date open XXXX, status open. CFPB please forward documents to the mentioned company. Everything is very clear in the documentation Im sending. This is my last warning to Amex to remove negative mark due to an error from their system from all 3 reports. I tried to do this with a goodwill explaining what happen and Amex did not even mark account as disputed therefore not even an investigation was made. This is a big violation to the Fair Credit Reporting Act, plus negligence, unfair business practices and the etc., etc. I want an immediate deletion letter from Amex, stating the removal of the of the erroneous negative mark related account. If this those not happen we will see in court what the judge decides. You have no idea how many violations you are committing here. My attorneys have them all and they are just waiting to your response through CFPB to pull the trigger in the law suit if necessary. Personally I just want justice and want the negative mark to be remove, but if you want to go to court, that way it shall be. I understand that anyone can make a mistake, but that mistake is financially killing me. Please be reasonable. I have a {$500000.00} mortgage pending because of thie issue and I alreadu gave $ XXXX. Thank you!

Company response to consumer: Closed with explanation