BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-18
Company: SUNTRUST BANKS, INC.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am thoroughly concerned about the bank hacking my account in XXXX I was recovering from a XXXX I was so stressed that I did travel however the bank statement that I have when I went into the local bank that I felt and I know stole my money I actually attempted deposit Monies into a account which was mine checking it was not put into the savings but it was put into the checking 's account meaning that they did not move the money from one account to the next unbenounced to me when I did call to complain about it the bank manager quit the teller that was working there was no longer working there however I 'm clearly concerned about transaction date dated XXXX XXXX XXXX the amount of {$4600.00} was the depth it {$17.00} the confuse part about this is that some of the dates that 's up top on my transaction history are mixed up to confuse me on reading the dates however this particular date shows a balance of {$460.00} XXXX that 's the same amount that was available before the {$17.00} was taking out however the date XXXX. XXXX the amount that I just quoted of {$4600.00} is still the same amount from the previous balance and it 's not showing of deduction of XXXX. XXXX I also have several different transactions dated XXXX XXXX XXXX and to the right of that the date is dated XXXX XXXX XXXX check card purchase a {$15.00} running balance XXXX dollars in {$XXXX}. The next date is XXXX. XXXX XXXX dollars my account balance at that time was XXXX dollars in XXXX {$1100.00} was tooken from that on XXXX XXXX XXXX I had a balance of {$2100.00} XXXX and {$22.00} was taken from that I also have a transaction from XXXX XXXX XXXX my balance was {$2100.00} {$38.00} was taken from that the next date is it 's a lot going on with this account that I have that was printed out from the bank and give it to me however the dates are so mixed up but when I do my calculations I do n't understand it for instance XXXX XXXX XXXX from XXXX XXXX XXXX debit ATM balance inquiry {$XXXX} XXXX {$100.00} XXXX XXXX XXXX through XXXX XXXX XXXX debit a deduction of {$2.00} and my balance was {$2100.00} after that I have a debit date for XXXX XXXX XXXX XXXX XXXX with the serial number it does n't show where it was located but it just has a serial number XXXX XXXX you see XXXX XXXX the duction {$200.00} balance XXXX and {$6.00} this is very confusing and if the bank does not cooperate I would like to lunch this into another next station and I would n't like to make a dispute

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 2016-11-03
Company: SLM CORPORATION
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
My daughter has a Sallie Mae federal loan. She is two weeks late in making her payment for XXXX. I have talk to a rep at Sallie Mae explaining why XXXX is late and told them I would let her know that she has two more days until her loan goes into collections. I have communicated this information to my daughter. We are both still getting two to three robo calls per day since the conversation with the Sallie mae Rep. I 'm even getting them at my work number. This is bordering on harassment. When you have been in communication with them why do they need to continue to call excessively?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed a delinquent account on my credit report for MRS Associates due to XXXX XXXX XXXX mobility. 

I contacted MRS Associates on XX/XX/XXXX and was informed they are a debt collection agency trying to collect a debt from a closed XXXX XXXX XXXX mobility account. Details for the account were given and are as follows : XXXX XXXX XXXX account closed on XXXX XX/XX/XXXX for balance of XXXX Account number of XXXX Number tied to account was XXXX Address for account was XXXX XXXX XXXX XXXX, TX XXXX I spoke with XXXX and was given a call back number of XXXX On XXXX XX/XX/XXXX, I then contacted XXXX XXXX XXXX to report the fraud/identity theft. I submitted a form on att.com/fraudinquiry. 

-- - I have never had a XXXX XXXX XXXX account. I have never sponsored anyone to open an account. I do not live, nor have I ever lived at the address for the account. 

I am a XXXX employee and my social was compromised in a data leak from XXXX. I have always paid my debts and did not have any delinquent accounts on my credit reports. I am looking to have this debt erased and report removed from my credit report. 

Please contact me on my cell phone at XXXX. Thanks for your help. 

XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown information on my credit report. To this day over 30 days later, I have received a response yet. I feel like they are taking advantage of me because they control my report, so they can just ignore my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those inaccuracies off my credit report. They are outside the scope of their investigation period, so those items should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation of the matter due to the stress this has placed on me and 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 non-monetary relief
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: MD
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 has violated my rights. 

15 U.S.C. 1681 Section 602 A. States 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: Southwest Credit Systems, L.P.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
southwest credit system, L.P. has been contacting me to collect a debt from the original creditor XXXX, this is a fraudulent account i have never had a XXXX account i have disputed this twice, the first time they say the account came back as mines but did n't report me any proof of the validation of this account, i then disputed a second time only to receive a negative on the dispute status, i never signed a contract with XXXX, and i never signed anything to pay southwest credit system debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
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: Account information incorrect

Complaint:
I am distressed that TransUnion have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. How did you verify the date last active & why this you re-aged this account? Also how did you verify the date of last payment? May I know your investigation resources? This misleading information has reporting on my credit profile for over a year. The last payment for this account was XX/XX/XXXX, therefore the date you have reported for date of last payment XX/XX/XXXX & date last active XX/XX/XXXX ( REAGED ) in inaccurate and wrong. Also this account has been in dispute for the past 9months, why does it not state that in the comment section? You have charged off as bad debt. Dispute resolved, responded by grantor. It should state account in dispute. 
The following information therefore needs to be re-investigated and removed from my credit profile for immediately Account : XXXX XXXX XXXX XXXX I respectfully request proof of your investigation. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit report. In this complaint accompanies a copy of my TransUnion credit report showing proof of the inaccuracies reporting on my credit profile.

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 2020-06-16
Company: Experian Information Solutions Inc.
State: NC
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:
US DEPT OF EDUCATION continues to provide information to CRAs that is not reflected on Master Promissory Note nor reflects dates of schooling.

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 2016-09-01
Company: AES/PHEAA
State: CO
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:
American Education Services uses deceptive practices in dealing with borrowers. I just learned yesterday that they have been charging me late fees every month for the past year-and-a-half because they claim that I missed a payment, and so every payment since then, though on-time, has been deemed late. When I asked if they would waive these fees, they said they ca n't because they are " rolling late fees. '' They also never resolved an issue I discovered about 2 years ago, when I learned that they had had me on an interest-only plan until XX/XX/XXXX, even though I had requested to be on a level plan. 

Below is a complaint I posted on the Consumer Affairs website in XXXX XXXX : I consolidated my loans at 4.75 % before graduating with an XXXX in XX/XX/XXXX. Since XXXX, I have been making monthly payments on my loans. Originally the lender was XXXX XXXX XXXX, but apparently AES acquired the loans in XXXX, XXXX when XXXX went out of business. I am concerned about several issues : I am charged late fees often, but without sufficient warning that my bill is due and that late fees will apply. These late fees are {$20.00}. XXXX had not served such high late fees. Also, AES is reporting these late payments to the credit report agencies, diminishing my credit - despite the fact that I pay monthly. I also frequently pay a greater sum than the minimum due - sometimes several times as much. I am concerned that these higher payments are not being applied toward the principal amount of my loan and I am not sure where the money is being applied. 

I estimate that I have paid at minimum {$20000.00}, likely {$25000.00}, to these XXXX lenders ( XXXX and AES ) over the past seven years. Yet my principal amount due has only decreased by about {$3000.00}. Though I have sometimes been on the interest-only plan, I have requested to be on the level plan for years. Yet I was just informed that I was on the interest-only plan until XXXX XXXX. Even if I were on an interest-only plan, at 4.75 % interest rate, this does not add up. Where has this money gone? On XXXX XXXX, I requested a full payment history from AES, including payments from XXXX, going back to XXXX. As of XXXX XXXX, I still have not received this payment history. I called AES on Tuesday, XXXX XXXX and was told that the request is " being processed '' and that I should have it by Friday, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Thank you for giving me the oportunity to solve this problem through this portal. I hope to get a fair solution. This situation is overwhelming for me now. 

I am writing to you today regarding the following account : Designated Receivable Solutions, account # XXXX, opened date reported : XX/XX/2015. 

This company is committing so many violatoins to my rights as a consumer : 1. Failing to investigate account : I sent validation request last month which wasnt responded to Designated Receivable Solutions.

2. Misreporting activity dates.

3. Inconsistently reporting accounts off bureaus- California Rosenthal Act violation.

4. Unfair business practices. 
5. Reporting incorrect opening date.

Please, I am asking you to send the attached documents to Receivable Solutions. 

I thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have XXXX now asked for the method of verification that Equifax is using to report public records. I 've filed XXXX dispute through CFPB ( XXXX ), and Equifax stated that " Equifax reviewed the complaint, its records and initiated a reinvestigation. *Equifax did not receive any additional communications from the consumer during the review of the complaint. " I am getting tired of wasting my time. I have the right to know how the are verifying information. They have had XXXX opportunities to provide me with that information. XXXX times they have failed to do so. Per Per FCRA Section 611 ( a ) ( 6 ) and ( 7 ), I have a right to be told. I 've checked with XXXX Courts, and the Courts are not giving them this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown items notated on my credit report. As of today, approximately 50 days later, I have not received a response. I feel like I am being taken advantage of, my disputes are being ignored and my rights are being violated. In Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a legitimate reason to immediately remove those items from my credit report. It has actually been well over 50 days ; therefore, those items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress and mental anguish caused. My information was also impacted by the XXXX data breach and may have found its way into the hands of the wrong person.

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 2022-05-13
Company: EQUIFAX, INC.
State: NY
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, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602 A. States 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 2020-06-09
Company: EQUIFAX, INC.
State: NC
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 did not authorize anyone to use my name or personal information to obtain funds, credit, loans, goods, or services or for any other purpose as described in my complaint. I did not receive and money, goods, services, or any benefit as a result of what happened in my complaint. These accounts are unfamiliar to me and I was told to let you know about them. Please delete the disputed items from my credit report within four days as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602 A. States 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 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 2016-02-20
Company: Credit Karma, LLC
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Tried to get my credit score by registering on credit karma and it keeps saying my personal information does n't match the bureau of records.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: Credit Karma, LLC
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX and XXXX have reported that there was an address change that is not true. I have never visited, lived in or know anyone in XXXX, ca.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/XXXX a certified letter was mailed to transunion and XXXX in regards to inquiries on my report that were not given the authority to furnish my report. They told me that they had the ability to do whatever they wanted and to report it if it was authorized or not because they had permissible purposes i advised then that they did NOT have permissible purposes and the items should be removed. They stated that they did not receive my letters. I have proof of delivery also. I spent 2 hours on the phone with a representative from each bureau which said the same things to me. They would not remove the inquiries. 

Inquiries TRANSUNION : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-05
Company: ID Analytics, Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I had not known that the fraudster over at IDA had changed companies to XXXX, and as such I have been unable even through the CFPB to insure that the Freeze that was in place while IDA was handling my case was still in effect when XXXX took over. However I have been unable to even receive verification of this, and even XXXX of the CFPB asked me to obtain this and I AM UNABLE TO DO SO. This is a clear violation of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief