BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The information presented in credit report looks like I 'm in a bankruptcy situation. That 's not true. The following are my current situations : I paid almost all of my account off ( only one left ) ; I have a student loan with no obligation to make payments, I 'm still at school XXXX ; I 'm a co-buyer of our house. I am not the primary buyer. MyWife 's income is count off e.g. It looks like again that I pay the house on my own. That 's not real ; The report said that I have a car loan again I am married I do n't pay only on my own. 
When I called on my own the collectors agencies to pay my debts off a way to show commitments to comply to my debts the credit bureau block me to have a credit. Is that did n't pay was the best thing to do? I do n't think so. 
Please, I would like you to look back my situation and allow me to get back in the system like a responsible US citizen because hardships can happen to anyone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: EQUIFAX, 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:
My information was also impacted by the equitax data breach and may have got into the hands of the wrong person. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. this is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed asap i will not wait another 50 days to receive no response because dearly yawl ignoring me. i demand these accounts be deleted immediately or ; will file for litigation due to the stress you caused me. Section 611 ( a ), it is plainly slated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I requested Transunion to correct the multiple accounts listed on my credit report and each time they fail to report accurate information. below are the accounts that I requested Transunion to correct, in the event they could not i demanded that they delete this inaccurate information off my credit. below are the accounts they have failed to provide me with thier method of verification and they have not corrected the accounts let alone delete them which per the FCRA the accounts need to be accurate and verifiable all which are neither. 

XXXX XXXX # XXXX - this account is charged off but the payment history is wrong. 

XXXX XXXX XXXX XXXX # XXXX - this account is charged off but the payment history is wrong. 

XXXX # XXXX - this account is charged off but still reporting a balance. this is a direct violation and i have disputed this many times with each time Transunion violating the FCRA and FCBA. 

XXXX XXXX XXXX XXXX # XXXX - this account is charged off but still reporting a balance. this is a direct violation and i have disputed this many times with each time Transunion violating the FCRA and FCBA. 

XXXX XXXX XXXX XXXX # XXXX - this account is charged off but still reporting a balance. this is a direct violation and i have disputed this many times with each time Transunion violating the FCRA and FCBA. 

XXXX XXXX # XXXX - This account I was never late on. Transuion did not do a reasonable investigation at all and this item still is reporting incorrectly. 


XXXX XXXX XXXX # XXXX - this account is charged off but still reporting a balance. this is a direct violation and i have disputed this many times with each time Transunion violating the FCRA and FCBA. There are XXXX of these accounts reporting with difference balance. 

XXXX XXXX XXXX # XXXX - this account is charged off but still reporting a balance. this is a direct violation and i have disputed this many times with each time Transunion violating the FCRA and FCBA. There are XXXX of these accounts reporting with difference balance. 

XXXX # XXXX - this account is charged off but still reporting a balance. this is a direct violation and i have disputed this many times with each time Transunion violating the FCRA and FCBA. 


XXXX XXXX # XXXX this account is not mine yet still continues to report despite how many times i dispute it. 

XXXX {>= $1,000,000} - this account is charged off but is reporting incorrect late payments.

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 2015-05-31
Company: AES/PHEAA
State: ME
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
On XXXX/XXXX/XXXX, I took out a loan for {$1400.00} to attend XXXX XXXX in XXXX, New York, and on XXXX/XXXX/XXXX, the financial aid institution disbursed the same amount. There was an additional addition to the principal of {$760.00} on XXXX/XXXX/XXXX which I do not understand as I was attending a state college at the time. 

The institution, called American Education Services, does not bill me regularly, but I have been making payments through the online bill pay service that my bank offers. I believe that too much of my payments has been going toward interest, and the loan company is n't interested in having me pay off the loan in a reasonable period of time. The " expected payoff date '' for my loan is XXXX/XXXX/XXXX. XXXX of my payments of {$50.00} went entirely to interest. I believe that this institution is a predatory loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: JPMORGAN CHASE & CO.
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 is missing that should be on the report

Complaint:
I have placed a formal complaint with the CFPB in regards to Chase Mortgage. The complaint was made on or about XX/XX/2021. My request was to have my mortgage properly reported to the credit bureaus. Chase contacted me the next day stating that they complaint would be reviewed. I provided Chase with the documentation requested to get the credit report corrected. Then sent the information on the payments to the credit bureaus based on the recommendation of Chase Bank. A letter was mailed with the document requested to reaffirm the loan and the bank claimed that they did not obtain the document by mail. The steps after that I contacted Chase and submitted the reaffirmation via electronic upload. This was done three times and was advised that the documents were received but every time the bank was contacted a representative gave information that conflicted and has not been resolved. I have contacted the Bank over 7 times by phone and submitted 2 uploads to the secure message and sent four messages back. The bank is aware that I want to get my credit properly reported on the credit reports. The request has been delayed either on purpose or to unlawfully harm me as the actions have hurt my credit report. I am seeking that my credit report be corrected immediately. Chase does not want to update my loan as they are keeping me hostage with a lower credit score. I was advised that the reporting of the loan with a reaffirmation would resolve the matter and raise my score and allow me to qualify for lower rates. In the last month the interest rates have increased and the bank continues to not correct the issue. The bank is using their power to abuse the system and fraudulently not report my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 
XXXX {$1100.00} XXXX  XXXX {$350.00} XXXX {$1000.00} XXXX {$390.00} XXXX {$630.00} XXXX {$2300.00} XXXX {$4000.00} XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 
XXXX {$1100.00} XXXX  XXXX {$350.00} XXXX {$1000.00} XXXX {$390.00} XXXX {$630.00} XXXX {$2300.00} USDEPTEDXXXX {$4000.00} USDEPTEDXXXX {$1700.00}

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 explanation
Consumer complaint received 2015-12-23
Company: SUNTRUST BANKS, INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I have been subjected to repeated abusive and harassing telephone calls with SunTrust Merchant services for an alleged debt. The debt has been disputed as the original charges were due to a " system error '' at SunTrust. Although SunTrust has acknowledged their own error, they continue to harass me with collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. this is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX  because to my knowledge I do not recall any of these accounts. I need this problem fixed asap i will not wait another 50 days to receive no response because dearly yawl ignoring me. i demand these accounts be deleted immediately or ; will file for litigation due to the stress you caused me. Section 611 ( a ), it is plainly slated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly. My information was also impacted by the equitax data breach and may have got 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 2016-06-10
Company: AES/PHEAA
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I 've been trying to rectify my loans since XXXX, calling, emailing and faxing dozens of pages of information, in order for my Income based repayment plan to reflect my current income. They called me about 4 weeks ago telling me i was still past due ( they had recieved my pay stubs weeks prior and did n't process them, and after talking to them they FINALLY tell me that my loan payments have been straightened out in accordance with my financial information, and told me what my payment would be and that is would be due XXXX XXXX, only to log in on XXXX XXXX to make a payment and find that they are STILL asking me for almost 10 times what they told me my payment was supposed to be based on my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I feel like I am in a living XXXX! I am beyond angry and frustrated with Bank of America! I sold my plasma at XXXX XXXX in XXXX ID. The money went on a Bank of America prepaid debit card.. On XX/XX/2020, at age XXXX, I aged out of being able to sell my plasma. I shredded my prepaid card.. Ever since then, I have gotten statements EVERY MONTH CHARGING ME FEES. I tried to stop the statements. I got told that it was up to XXXX to cancel the card. I went back and forth between XXXX and Bank of America for months. I was told by XXXX that it was taken care of. Still recieved statements. XXXX cc 'd me on an email they sent to someone supposedly at Bank of America. Got no response from that email. What's interesting is that fees got taken off my statement, but then I would get charged the next {$1.00} fee. I thought maybe after a year they might stop billing me. No such luck. I finally called the customer service number on the statement. Called got as far as escalations. Said it was taken care of. Still got statements with new fees. Called again last month got to escalations again, spoke to XXXX in Tennessee. She put me through to an escalations supervisor XXXX in Texas. He assured me that the matter would be taken care of and I wouldn't get any more statements. Well low and behold I got another statement. The previous fees had been erased, but they added a new {$1.00} fee. I finally decided to go to a consumer protection agency, you. Please help, I have been fighting this for almost a year and a half!

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 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. 
DEPTEDXXXX {$3000.00} DEPTEDXXXX  {$4800.00} XXXX {$250.00}

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 explanation
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my 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 explanation
Consumer complaint received 2022-01-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I received a letter from IC System back in XXXX XXXX, 2015 stating that I have a balance due from XXXX XXXX XXXX. I was shocked and researched the issue with XXXX XXXX XXXX immediately. XXXX XXXX XXXX confirmed with me on the phone and in writing that I did not owe them any balance and the communication from IC System is incorrect. Then, I contacted IC System to explain the situation to them on XXXX XXXX, 2015 and the representative ( XXXX ) advised me to mail them a dispute letter. Then, I did mail IC System two dispute letters. After I sent the dispute letter, I follow-up with IC System three times on the phone on XXXX XXXX, XXXX XXXX and XXXX XXXX, 2015. IC System advised me that the status is pending the response from XXXX XXXX, but they will not report my file to the credit bureaus as they still need to do a investigation. However, I just realized they reported my file to the credit bureaus few days ago without clarified my account with XXXX XXXX XXXX. I called IC System today, XXXX XXXX, 2015 and seeking for help. Their response to me is I am sorry they can not do anything about it, I can dispute that from the credit bureaus if I want to. I believe the whole process make me very frustrated and helpless because of the mistake of a billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: U.S. BANCORP
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Hi, I opened a new business account with US Bank in XXXX AZ for a new business that needs merchant services. This started XX/XX/XXXX. US Bank uses Elavon for the Point of Sale Device and referred me to an Elavon representative. I decided to purchase a device. To this date I can not not get an invoice from them and this company has taken {$1400.00} from a new business account that only had XXXX in it to start the account. I found this out because I had an insufficient funds notice from US Bank plus overdraft fees. I have since put a check in to cover the amount. I was waiting for an invoice. The representative told me it was all in the fine print when I was sent a secure email for my signature. It was not and they wo n't send me a copy of anything. They also charged me for {$160.00} that XXXX does not know what it is for and I also had a {$200.00} rebate which I have not received. Elavon merchant services has taken all of the credit card payments from customers to pay for this device as well as as I had to deposit {$1300.00} in the bank account on top of that plus the original {$100.00} I had deposited to open the bank account.. The original cost of the device was quoted to me as {$1100.00}. 
XXXX is the Elavon representative that I was given and she is out of the Nevada office. Her manager is XXXX XXXX phone number XXXX. US Bank has not given me any assistance and I have called names for help on up the USBank/ Elavon ladder. No one has helped me to solve this. I am afraid they will continue to take fees out even after the fact. I do not even have an itemization of their transaction fees. The sales rep would only verbally give them to me over the phone and of course I received nothing from US Bank. The Rep also said she sent me secure emails but I have no notification of her sending emails after I called her. I did receive a secure email from Elavon on XX/XX/XXXX but I contacted XXXX because I received an error message that their server could not retrieve the message. She did not resend anything. This is an issue that did not need to happen and the attitude and false statements I am being handed is an outrage. I am losing money with them and I do not know how much more Elavon plans on taking or charging me. They have extracted more than the purchase price at this point. 
Sincerely, XXXX XXXX RE : XXXX Az businessin XXXX, AZ Please let me know what other information you need.

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