BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-17
Company: CITIBANK, N.A.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX was hired by XXXX XXXX XXXX XXXX XXXX to collection on a {$390.00} debt owed. On XXXX/XXXX/XXXX, I entered into a settlement agreement with XXXX XXXX XXXX XXXX XXXX and paid them $ XXXX the check was cashed on XXXX/XXXX/XXXX. 

I am requesting that XXXX XXXX XXXX, update their records with XXXX XXXX XXXX XXXX XXXX in order for XXXX 's to correct the information on my credit report with the XXXX major Credit Bureaus- XXXX XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The loan borrowed started in XX/XX/XXXX, I never knew that my loan was a private loan stating the original loan came from XXXX. I am now in repayment, over the time I was not in repayment interest has been added on which seems to be daily at a rate of 10.5 % which started at 9.95 % I never knew that the rate was a variable rate until this recent month as I began to look over my statements and to why my payment continues to get higher each month. 
I borrowed {$15000.00} dollars to my knowledge in XX/XX/XXXX and during the time i left the school due to financial issues. Here now it is XX/XX/XXXX and the account on the AES website states I owe them {$29000.00} with repayment for 142 months of {$370.00} Paying a total of {$53000.00} to them for {$15000.00} that i borrowed that is down right sick!! So now facing this issue of not knowing what my payment maybe within the next few months due to a variable rate and how they do things to their terms without proper documentation. 
I asked AES for the master promissory note i received 8 pieces of paper that 1. ) had the wrong amount on it, 2. ) missing pieces of paper to complete the whole master promissory note,3. )  Information blanked out that AES claims is to protect me, I was told by XXXX ID # XXXX on XX/XX/XXXX That the information that is blanked out is to prevent the mail being intercepted into the wrong hands. Also with the missing documents of my 3rd disbursement that has been calculated into my loan, XXXX did advise me to call my school to check the financial records of the disbursements. They do not have the proper documents to continue to pursue the loan. The company and individuals I have spoken with have basically been rude, unprofessional, the loan information is very misleading, predatory with interest rates as high as they please. This company is a thief and the people who work for them have covered their lies of documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX XXXX IS REPORTING THAT I PAID 50 % OF THE BILL IN COLLECTION. THEY SOLD ME A HOT SPOT DEVICE WHICH DID NOT WORK. THEY AGREED THAT I PAY {$120.00} IN FULL TO SETTLE THIS DISPUTE AND THEY WOULD NOT FILE ON MY CREDIT REPORT. MY PAYMENT WAS AGREED UPON AND PAID TO XXXX XXXX IN GOOD FAITH.

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 2017-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I am trying to pay off my car loan about 6 months early. Bank of America seems to purposely make paying off a loan difficult possibly in the hope that customers will make a mistake in paying it off and either continue to be charged interest or get nailed with an extra fee or fees. 

Every payment I 've made has been online. However, to make the final payment they require you to send them a physical check to a specific address and alter the check with your account number etc ... They do not offer you the option to pay online, it is not one of the options listed over the phone nor do they have any reasonable explanation for why any other financial transaction on the loan is able to be done online but they make the payoff difficult. 

Sending a check through the mail could have a delay, and if it takes a few days the customer is beyond the payoff quote date. This would mean that they have another few cents in interest. That in turn would turn into a large fee if the customer thinks they 've paid off the loan and does n't realize they 've added a XXXX cent charge. After 30 days you have a fee, after 60 it 's compounded until a customer could end up with hundreds of dollars in fees. Additionally, paying online would guarantee that everything is clear. Asking a customer to write their account number on a check is one more situation where the Bank can claim there was difficulty in reading the number and cause more delays. There is no other explanation but wanting to give a customer the possibility of racking up more fees, and to also discourage the customer from paying off a loan early for why B of A does not allow the same form of payment for the payoff it does for all other payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
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:
Accordance with the Fair Credit Reporting Act XXXX  Account : 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. 


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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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  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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.

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 2018-06-02
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a credit collection notice in XX/XX/2018, it was for someone of a different name in a different state. I called them and told them it was sent in error, they did nothing. I disputed this with XXXX  and they said it was valid.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a XXXX XXXX XXXX XXXX account. It shows a late payment on this account that is NOT correct. I have disputed this with the credit bureaus and also with XXXX XXXX directly. They claimed they investigated this and they are reporting correct information. There is NO way this is true. 
It was paid off and the last payment made was in XXXX of XXXX. I was told this on the phone with XXXX XXXX and then it shows this on my credit report. Some how they then claim I made a late payment 2 months after this account was paid off. This is impossible to have occurred. I tried to tell them this over the phone and they refused to speak with me about it over the phone. They said that I had to send a letter to their dispute center. I did so and explained there was no way this could have happened and it has STILL NOT BEEN CORRECTED. 
I tried to explain this to the credit bureaus and to XXXX XXXX and they have refused to change this and they have left me with no options to get this corrected. What they claim is not possible and I have no documentation to support this because there were NO PAYMENTS DUE after XXXX of XXXX. TransUnion accused me of being a liar, and that was supposedly a manager of TransUnion. 

I am very frustrated because this account is causing me great harm and has been for a while now. I want this account removed now! I would also like something to be put in place to help others in this situation. There needs to be an easier way to resolve these types of situations without having to file complaints to get someone to listen to you. I have spent hours of my time and money arguing this with them and this is COMMON SENSE! It is NOT Possible to have made a late payment 2 months after he account was paid off and the last payment was made. There is NO WAY ANYONE INVESTIGATED THIS because if they had, they too would have realized this is a false claim.

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 2021-03-24
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have requested several time that XXXX  correct erroneous information on my credit report stating that my loans were late in XXXX. I have a confirmation letter from the creditor stating that they did a Retroactive deferment on my loans on XX/XX/XXXX which covered the time period of XX/XX/XXXX to XX/XX/XXXX. During this same time the creditor listed several months Past Due. I have received a letter from XXXX dated XX/XX/XXXX in which the final confirm the above. In addition they have listed my loans 2 times on my credit report under 2 different names during a time in which I did not authorize any change in servicer. I have requested a minimum of 4 times with the creditor as well as all of the individual credit bureaus that this be corrected and only the current status is updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: NJ
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 sent letters off on XXXX XXXX, certified. 
here are my certified letter numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to remove personal information that I do not want on my credit report. According to the Fair credit reporting act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is supposed to share my information with third party people. 

This is a clear violation of my federally protected consumer rights.

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 2022-07-15
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2022 - I found an airfare on the Chase.com rewards site and called their travel rewards number so a rep could assist in booking. I picked a fare that included the ability to cancel within 24 hours and rebook, which was called Business Flex as opposed to Business Classic, on XXXX as the secondary carrieXXXX. However, despite the fact that XXXX could get me to XXXX without a problem, they wouldn't allow me to board from XXXX to my final destination, with my cat. So, I called Chase, the next morning and worked for at least 3 hours, with a rep named XXXX, at their Help Desk, to no avail. I had to cancel, so I could find another itinerary. The new rep told me that they were going to refund my points, but not the money for 2 " billing cycles '', i.e. 2 months. This is theft. They are leaving more than {$4000.00} on my credit card as if I had kept the ticket. I had to ask Chase to increase my credit limit so I could rebook, but they have stolen over {$4000.00}. I picked a fare that was {$6800.00}, applied XXXX points that I had been saving for years, and used my Chase Saffire card ( which I also pay an annual fee for ) to pay the difference. 

Any other transaction would have required a refund. What Chase is doing is theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
We paid down a lot of our debt and two of the reporting agencies actually decreased my credit score for paying off debt. 
This has affected my abilities to get better rates and loans. 
Why does paying off debt negatively affect my score. 
These companies want to keep us in debt and not pay off our debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I already tried making a complaint so there may be nothing Chase can do but I wanted to make sure-I recently paid two XXXX payments XXXX {$350.00} to someone with the XXXX username of XXXX. These turned out to be scams that did not need to be paid, though at the time I thought they were necessary since the receiver said they were bank fees that needed to be paid in order for me to receive a large amount of money from them through XXXX. They sent me emails that looked like they were from XXXX  as proof that these fees needed to be paid, but these emails were also a scam. I have attached a picture of one of these emails. 
Chase already said there was nothing they could do, but I wanted to make sure that there is no way I can be reimbursed since I was scammed unfairly. 

Also, I was sent a letter based off my previous complaint that said that some of the information suggests that someone other than you may have submitted the complaint without identifying themself. I can confirm this is not true and that I am myself, and I am not sure why that was sent. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
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: Their investigation did not fix an error on your report

Complaint:
I recently disputed an error in my credit report under the public records section and have since contacted ALL 3 MAJOR credit bureaus and in return have gotten the disputed items not properly corrected on my report. Not only is it affecting my report but my life as well which deems me financially irresponsible so the automated letters I receive tell me. It even does n't show in the comments section under the items marked as Disputed By Consumer which under the FCRA is a strict violation in correspondence to my rights as a consumer. I 've written numerous CERTIFIED letters to the Bureaus AS WELL as the creditor themselves. In return the creditor only responded to my letter with a letter of verification stating they do n't even report to the credit bureaus. I have that burden of proof to support my claim as well. These public records do n't contain any large sum amount or an amount at all to my knowledge it is just a negative and bad reflecting mark on me as a consumer and person which is definitely Defamation of Character, which I am certainly not. I Placed a Security Freeze on my file and Opted out of Services Provided by XXXX XXXX. I have also proceeded with filing a small claims suit against these Bureaus for the Defamation of Character as well as my rights protected under the FCRA AND Injury to myself & my credit report seeking no less than {$1000.00} per violation under the FCRA Sections 604 ( A ) ( 3 ), 623, 611 also US Court of Appeals, XXXX XXXX, XXXX XXXX. ( XXXX vs. XXXX XXXX ) To avoid these proceedings and drop the lawsuit I figured give one more dispute a try I 'm just looking to have this matter cleared up. 

Best Regards

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 2017-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
There were two glitches in the system of TransUnion. These glitches were in fault a problem of TransUnion and not mine and resulted in the deletion of All inquiries on my report. Later TransUnion added them back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion twice ( first rep name was XXXX and second rep name was XXXX ) in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries add hardship to me financially and my rights have been violated by TransUnion. I ask that you please help me make TransUnion stop victimizing me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I just noticed that my credit score dropped XXXX points for no apparent reason. It doesn't explain the reason for the drop as everything looked the same.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions 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 Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX

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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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