BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
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:
I am frustrated to see the Credit Bureaus do nothing about my requests for the removal of the fraudulent items from my Credit File. I am submitting this complaint to do another request and have the items that resulted from the theft of my Identity be deleted from my Credit file. The Credit Bureaus are given ample amount of time, to conduct a proper verification and provide proof that the items are indeed mine, by the FCRA regulations and yet they have failed to comply with the Federal law. Let me remind the Credit Bureaus that they are required to comply with the FCRA section 605 and remove the following fraudulent items completely from my Credit File with or without proper investigation since the time allotted for them to investigate is already over. Pursuant of the FCRA regulations, I am urging the Credit Bureaus to delete the following items completely from my Credit report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XX/XX/2022 ; XXXX  XXXX XX/XX/2022

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 2022-07-13
Company: EQUIFAX, INC.
State: TX
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 have been sending dispute letters to the Credit Bureaus appealing to them to conduct a proper investigation of the following accounts : XXXX XXXX Balance Owed : {$0.00}, and XXXX XXXX Balance Owed : {$0.00} ; for I noticed that these accounts are reporting erroneous information on my Credit File. The Credit Bureaus are required to verify the information that these accounts report in accordance with the FCRA section 609 and 611. It is not acceptable for the Credit Bureaus to continue reporting these accounts without a proper investigation. I am requesting that the Credit Bureaus correct these accounts and update from any misleading information that these kept on reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have been sending dispute letters to the Credit Bureaus appealing to them to conduct a proper investigation of the following accounts : XXXX XXXX Balance Owed : {$0.00}, and XXXX XXXX Balance Owed : {$0.00} ; for I noticed that these accounts are reporting erroneous information on my Credit File. The Credit Bureaus are required to verify the information that these accounts report in accordance with the FCRA section 609 and 611. It is not acceptable for the Credit Bureaus to continue reporting these accounts without a proper investigation. I am requesting that the Credit Bureaus correct these accounts and update from any misleading information that these kept on reporting.

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 2022-03-17
Company: AXOS FINANCIAL, INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I closed my Axos checking account some time ago. There were scheduled transfers associated with that account that would pull money from my external account that were not cancelled by the bank. As a result the bank pulled money ( XXXX ) from my Customers bank checking account on XX/XX/16 when it no longer had authorization from me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Equifax is by far the most uncooperative company I 've ever had the ( dis ) pleasure of interacting with. Their website has an option to dispute items on your credit report but it never functions. I have, along with my mother and husband, attempted to use their website daily for weeks. It will ask verification questions that do not pertain to the person who is submitting the request and then rejects. We also attempted using the free annual method but same questions are asked and it rejects the request. This issue is misleading and can make consumers believe they are a victim of fraud when really Equifax is just making it impossible to access information to which we are legally entitled. Calling them has proved useless as well since they simply say sign up for the {$19.00} a month service and you can bypass the trouble. I should n't have to do that and it seems they are causing these road blocks to make a profit. XXXX and XXXX were perfectly functional and disputes were submitted without headache ... yet I still ca n't seem to get into Equifax. I ca n't even get the 90 day fraud request submitted as it gives the same error. They told me the only option is to print form upon form and mail it to them in XXXX along with every identifiable piece of my existence ( Birth Certificate, DL copy, SS Card, Rental Agreement, etc. ) which would be detrimental if intercepted!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: PMAB,LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was paying a company called PMAB for a hospital debt. I had a balance remaining on the account of {$530.00}. I sent a payment through online banking on XX/XX/2020, PMAB received the ACH payment and withdrew the funds on XXXX XXXX. 
Unknown to me PMAB sold/merged with a company called XXXX services. On XX/XX/2020 I received a letter stating I had an outstanding balance of {$530.00}. I contacted the phone number for PMAB that I had for over a year, this number directed me to XXXX services. XXXX services states they never got a payment and there is no record of me paying. I went to my bank which gave me all the information showing when the payment was made and withdrawn from my account. 
XXXX services is sticking to saying they dont have record of payment even though I have sent them all my banking info with proof where the payment was made. This company has now stolen my money and wants more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I mailed a hard inquiry removal to the companies and requested that they remove this from my account.They stated they could not find my account.

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 2022-07-13
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$760.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
Company: EQUIFAX, 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 status incorrect

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : + Equifax : o XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} o XXXX XXXXXXXX Balance : {$26.00} o XXXX XXXX XXXXXXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXXXXXX Balance : {$0.00} Equifax : o XXXX XXXX XXXX XXXX Balance : {$15000.00} o XXXX  XXXX Balance : {$26.00} o XXXX - XXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXX Balance : {$0.00} XXXX : o XXXX XXXX XXXX XXXX Balance : {$15000.00} o XXXX XXXX Balance : {$26.00} o XXXX - XXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$760.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-07
Company: AES/PHEAA
State: TX
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:
I have reached out to my student loan servicer multiple times to have my payments drafted on the XXXX of each month. My servicer keeps telling me the issue has been taken care of but when I log into their website it shows my payments will be drafted on two separate days. 

I would like this issue to be corrected so i can ensure I have money in my account on the XXXX so all my student loans can be paid on time. 
When will my online account be updated to show that my payment will be drafted on the XXXX of each month. This is the 6th time I have contacted you about this issue since my my original request to have my due date changed. I will be filing yet another compliant with the CFPB. 



RE : Payments & Billing [ XXXX ] Thank you for contacting American Education Services ( AES )! 

Your loans are due on the XXXX of the month. I have submitted a request for your online account to be updated with the correct due date. Please allow up to ten business days for the request to be processed. I apologize for any inconvenience this issue has caused you. 

AES APPRECIATES OUR MILITARY MEMBERS! Based on your service, you may qualify for a lower interest rate and/or deferment of your student loans. For additional details, please visit XXXXIf you require further assistance, please visit www.aesSuccess.org and click the 'Contact Us ' link for information on contacting our Customer Service Department . The 'Contact Us ' feature also allows you to submit inquiries via secure email. Through your online account, you may view account details and access additional services. 

Sincerely, XXXXAmerican Education Services -- - Original Message -- -On XXXX XXXX, 2015 at XXXX XXXX, Account : XXXXDate of Birth : XXXXEmail Address On File : Message : Reply My Existing Loans XXXXI 'm replying to an inquiry that I recently put in and was given the response that my due date was changed to the XXXX of each month. 

If my due date has changed to the XXXX then why does my online account show that a payment will be debited from my account on XXXX? 

I want my payments to be debited on the XXXX of each monthXXXXThis message contains privileged and confidential information intended for the above addressees only. If you receive this message in error please delete or destroy this message and/or attachments. 

The sender of this message will fully cooperate in the civil and criminal prosecution of any individual engaging in the unauthorized use of this message. 

Code : PHEAA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Southern Credit Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i talk to XXXX from Southern Credit Recovery , INC on XX/XX/2020 about the settling the debt and i paid it with a money order and she never reach out to all the bureaus to delete it from my records, it has been delete it from XXXX  but not the rest of them and i have a letter showing i made contact with her

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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: Investigation took more than 30 days

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$820.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$2300.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$240.00}, DEPT OF ED/XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$460.00}, DEPT OF EDXXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$4600.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$280.00}, and DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$160.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
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:
I sent a letter on XX/XX/2022, to remove these accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$4600.00} XXXX XXXXBalance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This letter is for me to try and explain my dispute with XXXX XXXX, XXXX. 
On or around XX/XX/2021 XXXX XXXX called me and stated that the Federal Government was behind a program to go after credit card companies for taking advantage of senior citizens. she proceeded to explain to me that as an example $ XXXX balance could turn into a XXXX $ XXXX and five years to pay. she showed some other examples I didn't have time to write down. Then she said that all this credit card debt would be totally written off by the card companies within 18 months and that although my credit would go way down, that within 18 months it would rebound to be even better than what it was at this time. She went on to state that their fee for their services would be {$7300.00} and that I should get that money from Discover Card ( on the account ending in XXXX ) and that that amount would also be written off by Discover Card. I had to hand write everything she was saying because it was all over the phone. I never received anything in writing from XXXX XXXX XXXX. 
I had three differnt people that were to be taking care of my file, first XXXX, then XXXX and then XXXX. Neither of these persons ever answered phone calls or emails, no communication what so ever. The {$7300.00} charge was done thru XXXX XXXX XXXX, ADDRESS XXXX XXXX XXXX # XXXX XXXX, TN XXXX, phone number ( XXXX ) XXXX. 
All I've asked Discover Card is to charge XXXX XXXX  back for the {$7300.00}, XXXX XXXX is a part of XXXX  XXXX  as well as XXXX XXXX XXXX, all three are part of this scam and use different names so you can't get ahold of anyone of them!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$2300.00} on the XXXX/XXXX  and THE BUREAUS partial account numbers XXXX. ( Please see pages attached from my credit report. ) First, these are the same accounts being reported in duplicate. This is a violation of the Fair Credit Reporting Act. Second, I purchased the manufacture warranty on the furniture. ( I have attached a copy of the warranty. ) The furniture was defective and returned under the warranty period. There is no outstanding debt on this account. I was not aware there was a collection until I obtained my most recent credit report. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My husband and I just completed a chapter XXXX bankruptcy in XXXX XXXX - Case # XXXX that completed with a discharge in XXXX XXXX. Our Chapter XXXX bankruptcy paid {$39000.00} in principal according to the ledger from the Chapter XXXX trustee. At this time we are trying to go into repayment and loan consolidation to finish paying these loans and we can not get a payment history any confirmation from fedloan servicing that all of our payments were credited to the account so that we pay the accurate amount. The Chapter XXXX Bankruptcy records say we paid 71.77 % of our loan balance on a filed claim for {$47000.00}. By our calculations, only {$13000.00} should be owing but we were just told we owe over {$29000.00} and that they can not give us an accurate payment history. Please help!.

Company response to consumer: Closed with explanation