BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report and Bureaus letter last XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$220.00} 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 explanation
Consumer complaint received 2018-05-30
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX has a huge problem that needs to be corrected. I've contacted them at least three times and it continues. They have refunded this small amount each time but it's abuse that needs to fixed. I have many credit cards and they in my opinion are predatory in nature hoping a {$2.00} charge will possibly turn into a {$35.00} late fee etc.

An example is they send a bill for lets say {$130.00}. I pay the {$130.00} well before the due date and they cash the check. They post the payment, show it as " on time '' and then send another bill for {$2.00}. This is not only insane but illegal. If you pay the balance in full before it's due that's it! They send these bills hoping you'll either pay it or they can get additional fee income with late fees. Can you say XXXX XXXX? I have already contacted an attorney and have documents stating they've done this on multiple occasions. No other card sends a bill after payment in full before due date. I've spent way too much time and this is on principle as XXXX XXXX  is taking advantage of people.

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 2021-11-20
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:
I have sent my identity theft report that was filed with the Federal Trade Commission and I have sent a copy of my police report to the credit bureaus. As the law indicates, the credit bureau shall take action to block and remove this fraudulent account from my credit report. There has been a multiple attempts of identity theft against me. Identity thieves used my personal information for their own benefit in order to obtain services with false pretenses. I mentioned the fraudulent account in my identity theft report and I will mention it here as well. The fraudulent account is XXXX XXXX BANK XXXX XXXX and the partial account number that I was able to obtain is XXXX. Once I was informed of this fraudulent activity, I immediately placed a fraud alert with all the bureaus in order to prevent further fraudulent activities. Additionally, I requested from all the bureaus to remove the fraudulent accounts and inquiries that were placed on my credit report without my consent because the said account never belonged to me. I never associated with XXXX XXXX Bank before and as mentioned the account does not belong to me. I requested the account to be removed not just a simple dispute to be placed on a file that will eventually be useless. The consumer voice is important as well because the said financial institution used my personal information to open a fraudulent account to an identity thief. The credit bureau request an identity theft report filed with the Federal Trade Commission, and I was able to provide it. The credit bureau asked for a police report, I was able to provide it. Simply, I was able to provide all the necessary documentation requested by the credit bureaus in order to have this fraudulent tradeline removed from my report and yet nothing has taken place.

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 2017-05-20
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The two ab ove accounts where removed off all three credit reports in  XXXX , i sent in documents to prove it was n't my loan, it somehow got reinserted  XXXX  to my  XXXX  and   XXXX   credit report, which is affecting my credit, the account does n't belong to me, by law you are not allowed to reinsert a removed/or deleted item after 7 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, TXXXX XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # 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 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 2020-06-11
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I sell on XXXX, and my PayPal account was limited on multiple occasions. When I was limited, PayPal had me submit the required information so that they may review it and un-ban my account. I had my account limited 4 times within one month and each time I was able to provide the necessary documentation and my account was released. When my account was banned for the 5th time, I had submitted my information and some time passed where I had not received an update regarding my account as I could not withdraw any of my funds which are desperately needed. I contacted customer support through email as their customer service phone number is not working because the call center is closed. The agent told me that they are waiting for a specific transaction that was in transit to a customer of mine, and once it was delivered, my account will be released. A few days later, I had received notification that my account was permanently banned and all my funds are withheld for 180 days. After contacting support 3 times, I was not able to find the reason for my ban.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Support Collectors, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 company opened a collection Account # XXXX I have never signed any written document saying that I owe this debt to the collector They are violating my rights of the FCRA as a consumer I do not know who they are and have not written consent from my end Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: ERC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a debt that was paid off before I even received services with  XXXX   XXXX  again. ERC says I owe them {$330.00}. This is impossible since I settled with ERC the first time my account was in collection, paid {$100.00} to pay off that account on  XXXX / XXXX /  XXXX  . Which was a true debt. I 've called them many times to try and get this settled, the person on the other line knew it was n't a true debt and always credited my account. Then the {$330.00} would keep reappearing on my account with no end. Now it is in collections for the second time even though I had already paid it off. I have no access ( because of   XXXX    ) to my account with them so there is no way for me to look up anything related to my debt charges.   In the attached documents below, there are payments that add up to {$330.00}. My last payment was the {$100.00} for the debt settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: AMERICAN EXPRESS COMPANY
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: Account status incorrect

Complaint:
Account was closed and paid as agreed. Due to COVID-19 pandemic I was adversely affected due to the XXXX industry coming to a complete halt. I spoke with AMEX regarding correcting or removing the 30 day late and was assured that AMEX would not report a late on my credit if my account was paid in full. The account was paid in full and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: AES/PHEAA
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In 2010, I started school at XXXX XXXX XXXX in XXXX XXXX, LA. School went as planned after graduation however, everything immediately turned into a never ending nightmare. This institute was sued for predatory lending and i was a victim of its bad practices. If that wasnt enough i could not find a job in my field, my transcript was not available to me, nor was my payments being sent to lower my loan balance. The loan was then consolidated without proper paperwork. I made payments for over a year it wasnt calculated and it also gave me late pays on my credit report. This institute is now affecting me for a mistake I made in allowing myself to fall victim of this predatory scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
Bank America is insisting a home buyer obtain a " shared driveway '' agreement from a neighbor when in fact it is not a legally shared driveway. Of course the neighbor refuses, so the bank is refusing to grant the buyer a mortgage. Neighbor and Buyer have yet to meet compounding the problem of having any ( inocuous ) agreement of any kind. The Bank wants a recorded agreement that forces both the Buyer and Neighbor to lie and in spite of attorneys for both buyer and seller stating the legal truth and wrongness of their request, the Bank remains obstinant. What to do? Does a consumer have any recourse?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information of my inquiries without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove/ block these inquiries from my credit file. I need the following inquires to be remove : 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 2021-11-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/XXXX I needed to remove a credit freeze from XXXX credit reporting to finance a leased car. I attempted to use the pin they provided in XXXX when i froze credit checks and there is nothing on their web site allowing me to unfreeze. i filled out all my personal info ( address, social sec #, bday, etc. and still got nowhere when i tried clicking on relevant buttons got no reaction. 

I then tried to call and went through three long verbal ads and tried to dial XXXX  for help but ads kept coming. unreasonably difficult to reach customer service and remove freeze. 

I am furious that an entity that tracks my life can do so with impunity and providing me very difficult ( i couldn't fix credit freeze ) path to cusotmer service. they only focus on selling fee for service and could care less about impact on non-paying people they collect and report information on. 

I think they should be forced to make it easier to correct problems on their data bases. 
Would never recommend or pay for anything XXXX provides. They are one of the worst companies i've run acress in my XXXX  years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: KY
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 paid my XXXX XXXX  account in full it was a balance of XXXX, it was charged off but I paid it in full and I have had it investigated twice I even sent the letterhead that XXXX provided, to show that it has been paid and it is still showing as a negative unpaid item on my credit report therefore lowering my credit score and I am purchasing a house in the next couple months so I need this item removed or corrected. Its still showing on my XXXX and Experian Report.I can't get it corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX XXXX, 2015 I made a payment of {$130.00} through the automated system for my Dillard 's American Express credit card. The system prompted me asking would I like to use the current checking account information on file ending in, XXXX XXXX XXXX XXXX, used for the last payment. I stated yes, and the system asked me to hold while it processed the payment. I received a confirmation number afterward. In XXXX, 2015 I received a notification stating due to nonpayment my account had been closed. Unbeknownst to me I had not be contacted before this letter. I immediately called Dillard 's, they transfered me to a Wells Fargo representative, XXXX. He informed me, after reading my entire checking account number aloud, the system only captured the XXXX digits of the checking account number and the payment sent was returned. I informed him that this account has a five year non delinquency history, also the credit bureaus report that a history of my on time payments as XXXX of the things helping my FICO score, and based upon the information he provided reporting this as a delinquent account is inconsistent with my credit history. He informed me that this was a system error and could be fixed, however the account could not be open again. Nevertheless, to no avail over the course of three months I have disputed this matter with Dillard's/Wells FargoXXXX which I 've been told that I did not input information into the system correctly, although the payment was made through the automated system in which a confirmation was given ; also with each of the XXXX credit bureaus as well. I am appalled at the lack of responsibility Wells Fargo has taken in correcting a mistake made in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
i sent fedloan a letter with good humanity spirit of letting them know that i have paid them since XXXX weeks after i graduated with XXXX XXXX ; my daughter XXXX is in college ; i know i have to pay her parent plus loan when she is done in XXXX XXXX, my other daughter did n't do well at her college and got kicked out ; well i asked fedloan in a letter to consolidate the interest, my loans and parent plus loan in a bill that i can afford ; like {$150.00} to {$190.00} or {$200.00} ; they sent me a {$500.00} bill ; i sent another note saying this is too high I sent {$150.00} with the bill ; on thursday XXXX XXXX they sent me a bill for {$730.00} ; I sent {$190.00} with the bill ; i need help ; what road to i take as a single mom that is divorce and have a passion for education and teaching my daughters the same ; i am trying to get a place of my own again and not have my credit destroyed ; they are threatening to send me to a credit bureau as a red flag for no reason. i have other bills that are important and i make XXXX a year ; please help assist me please consumer finance gov

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have another case on file that was submitted and its the same issue. I asked my credit card company to explain how my interest fee was calculated for the month. I used my daily periodic rate and my average daily balance, and I could not find out how they come up with their amounts. I called customer service and they didnt know either. I followed the explanation on my statement on page two, still couldnt figure it out. I would just like to know how they got their figures. I called XX/XX/2018

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 2020-06-11
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I'm trying to use XXXX point of sale and would like to link them to my account for my checking account statement and it said for some reason that you all do not allow that so it would be awesome if you all could allow it to save a lot of time and effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX XXXX bank pulled XXXX and XXXX 's XXXX credit file without our consent. They admitted their mistake via letter that I will up load. We were in the process of refinancing XXXX  rental properties. We had to stop that process due to the unauthorized credit pull and sell the properties. The harm Caused is outlined in the law site that was filed on XX/XX/XXXX. we have incurred over XXXX in attorneys fees. The Bank still holds on the opinion that there was no harm and to this day they have still not removed the illegal authorizations. Our XXXX asked us to hire a credit expert to do a deep dive into our credit and he has provided the report. We are scheduled to appear in federal court in California in XXXX of XXXX. I will attach copies of both lawsuits tto this complaint.

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 2016-12-19
Company: Navient Solutions, LLC.
State: TX
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:
I recently checked my Credit Report and have requested that Navient provide me with documentation that this alledged item belongs to me. Navient calls my cell phone, yet I have told them to stop contacting me by phone and to contact me by mail only. I do not know why I must spend so many countless hours correcting this companies mistake. There are a lot of people out there that have my same name. 

Please see the attached documents that Navient sent back to me as my resubmission in accordince with their request for information. I have also attached a 2nd letter to which I have not gotten any response on. Both letters were sent Certfied Mail To Navient. Navient contiues to report inaccurate information that does not belong to me or on my Credit Report.

Company response to consumer: Closed with explanation