BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have an account that should have been deleted from my credit report in XX/XX/XXXX. The credit reporting companies refuse to delete this info even though its past the 7 year reporting period. The account being reported is from XXXX. I have an old credit report dated XXXX from Transunion showing the estimated date of removal to be on XXXX. I have contested this each year with Transunion, XXXX and XXXX and each time the old debt is verified. They are also reporting it as being in a chapter XXXX bankruptcy. I have never filed a chapter XXXX bankruptcy. This old debt is bringing down my credit score to the point I can not qualify for a VA home loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Today XX/XX/XXXX I opened a letter dated XX/XX/XXXX in the mail addressed to myself stating that I had a balance with XXXX Amount due {$670.00}. It was from ERC stating trying to collect a settlement from XXXX. I called the phone number listed # XXXX, at XXXX XX/XX/XXXX. A woman named XXXX answered and I told her I never had an account with XXXX in my life. I told her no. She went on to tell me I must pay {$200.00} and something dollars XX/XX/XXXXShe said maybe it was fraud-I asked how. I have alerts for fraud on my XXXX XXXX account. She asked if it was from XXXX. I said if I had something in XXXX I would have been contacted prior to this-it 's XXXX. She started to tell me they would take action-I told her the state of Pa has a Statue of Limitations and hung up on her.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
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: Account status incorrect

Complaint:
I am writing because I recently viewed my credit report and noticed inaccurate information. XXXXXX/XX/XXXX is showing a late payment status over 120 days late. This information is in accurate. I have never been late with XXXXXX/XX/XXXXand This debt was discharged in a bankruptcy that I filed XX/XX/XXXX and completed XX/XX/XXXX. Please see the attached discharge documentation that includes the debt being discharged back in XXXX. Since the bankruptcy I have not taken out any new loans with XXXX therefore the late payment report in XXXX is inaccurate. I would like this information removed and this old account deleted from all 3 credit bureaus.

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 2015-07-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX child support opened a case against me in XXXX when they started taking child support out of my checks. I was then XXXX in XXXX and they continued to take child support I was never late or ever sent into collections. I still have a charge off on this account on my credit report the case was closed in XXXX of XXXX an report was added to the credit report in XXXX of XXXX due to my child turning XXXX and no longer pay child support but still shows as a disputed on my credit report. I contacted child support enforcement which is listed as the creditor on the report. They stated I would have to contact the credit reporter to have this removed. I have a letter from Social Security Administration stating we no longer take payments out of me for child support due to the court sent an order to stop withholding. I would appreciate this being remove from my credit report due to its negative effect on my credit standings. I

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 XXXX  a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXXXXXX Balance : {$5200.00} ; XXXX XXXXXXXX Balance : {$13000.00}

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 2015-05-31
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have fraudulent accounts listed on my Experian credit report that do not belong to me. I have sent numerous letters and police reports to Experian informing them I am a victim of identity theft and the accounts listed on my Experian credit report, do n't belong to me, but Experian keep on sending me letters informing me the fraudulent accounts are my accounts and the information is accurate. The following accounts due not belong to me : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX 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

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed account XXXX from XXXX XXXX XXXX reporting inaccurately on my credit file. I was [ n ] ever late with respect to this account. Experian has conducted an improper cursory investigation into this account. A Consumer Reporting Agencies reinvestigation obligation is to verify the accuracy of its original source of information. This duty may include going beyond the original source. See : XXXX v. Experian Information Solutions , Inc., XXXX XXXX XXXX ( 2010 ) .Please provide me with the method of verification as required under 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to ( A ) promptly DELETE all information which can not be verified. Pursuant to the FCRA in 609 ( c ) ( 2 ) ( E ) ; " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated and or can not be verified.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: EQUIFAX, INC.
State: NY
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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05
Company: SUNTRUST BANKS, INC.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX I recieved a phone call from an XXXX speaking person claiming to be from XXXX telling me that they have been alerted that my computer was corrupted. They told me that the XXXX anti-virus software that came with my computer was not strong enough to correct the problem and they got me to purchase another software for {$250.00} which I put on my SunTrust credit card. They gave me an XXXX number to call if I had a problem. When I called that number it did not go to XXXX, it went to another company. I then called XXXX directly and told them what happened. They told me I had been scammed and that these people had no connection to XXXX and to take the software they installed off my computer before it got further corrupted. They said they would never call anyone saying their computer had been corruptedWhen I found out I had been scammed I called Suntrust and told them what happened and they took the charge off my card. 6 months later in XXXX they put the charge back on my card saying it was a good charge since I authorized it even though I had been scammed. I refused to pay the charge and they took it to a credit agency. My credit was reduced from XXXX to XXXX. I now have a hard time getting a credit card. I have contacted SunTrust with all kinds of documentation proving the scam but they refused to change their mind. The internet is full of very same story where this company has been calling XXXX 's of other people just like me claiming to be from XXXX and that their computer is corrupted. SunTrust does not stand by the people who bank with them. I would never do business with them again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: SUNTRUST BANKS, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have my loan thru SunTrust Mortgage. # XXXX I am unemployed at the moment and have just been approved for the KEEP YOUR HOME CALIFORNIA, Unemployment Mortgage Assitance program I am trying to open an escrow account so I can get my property taxes paid in FULL thru the program SunTrust says I am unable to open the escrow account because it has to be 60 days out and I am 40 days.The taxes are Due XX/XX/2016 I am trying to get this all taken care of so my mortgage and taxes are paid I have never been late on any payments or taxes Please let me know how I can get this resolved Thank you very much

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 2015-09-07
Company: AMERICAN ADVISORS GROUP
State: OK
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The AAG commercials air constantly and my elderly mother succumbed and agreed to take out a reverse mortgage. However, in the meantime, she made me promise that I would make certain, as the oldest daughter, that I would " save '' the family home for my youngest sister. I made the promise. I did not know how sick she was ; she hid a lot from her XXXX daughters. We found her passed on the sofa on XX/XX/XXXX after I got home from work. I looked at the cost sheet for this reverse mortgage and the charges are unconscionable. Further, the funds were received on XX/XX/XXXX and she passed on XX/XX/XXXX. I did not know that she took out the reverse mortgage ; I advised against it and I thought she had taken my advice. Our family house was built in XX/XX/XXXX when we returned from XXXX, XXXX with the XXXX XXXX. Our family are the only ones to ever reside in this house. My grandmother passed in this house, my brother ( XXXX veteran ) passed in this house, my father passed in this house ( XXXX XXXX veteran ), and my mother passed in this house. I am terrified that I am going to be unable to keep our family home because of this reverse mortgage. My mother only owed a small mortgage of {$4500.00}. I could have " saved '' our family home had it not been for this reverse mortgage. I just do not know what is going to happen in the future. If there is anything you can do, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This is in reference to my original complaint from last month. It was only BRIEFLY corrected but now Bank of America is once again reporting a past due payment which is incorrect. This has been goin on since XXXX! I received a message on XXXX, after my original complaint that corrections were made and at that time my account reflected no late payments and now the account has been updated and reflects a {$1500.00} past due amount. This is costing me money as i am unable to refinance due the errors on my account. This has caused great financial & emotional stress in my family and needs to be rectified immediately. Calculations will confirm that a refinance would have saved me almost $ 1000 monthly, since the lenders now request 3 months of statements for heloc accounts showing on time payments i have been unable to proceed with a refinance. I have contact BOA countless times via their online portal and phone. Each time they state that this will be corrected and someone will get back to me, which is not the case. PLEASE HELP as this egregious error is causing mE financial stress and i do not have the time or energy to continue contacting them since they are of no help whatsoever.

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 2021-01-21
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX Balance {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX Balance {$0.00} - You are reporting inaccurate information as the past due balance is wrong. Update or rather delete this erroneous account. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$0.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX Balance {$4500.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have pictures to support my claim. Suntrust has charged me overdraft fees on settled positive balances. On XXXX XXXX, I had an ACH payment and credit card payment that has been posted on my account on the XX/XX/XXXX, but they have, on their end posted it as a pending transaction and moved a payment that was done on XXXX under the posted XXXX payments. 
I was told by the manager of Suntrust that this is a practice of theirs. To move the higher items, even though they are not posted under the lower items that are posted, and directly above deposits to pay those first. As a result, I am paying overdraft fees on items that were not overdrawn on my account. The bank manager told me that this practice is legal and how they do their banking. This ca n't be a legal practice moving items in our accounts to get over drawn payments. No way this is legal, but they told me they do this to all customers. I was warned from a coworker not to do banking with them because they do this and now I wish I would have listed. They did this same thing last month and I was given back my over drawn payment. They refuse to take those overdrawn payments off my account. I will be closing this account. Please help! 
I am sure they have been doing this all along now. Now I understand why when I check my account and it 's good then I check it again and it is overdrawn. They are moving items around in my account to get money. This needs to stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-29
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
AES had my loan deferred when they were aware that I was no longer attending classes. In doing this they increased the amount of accrued interest substantially. My payments are now unbearably high due to interest charges accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
We booked our trip with our American Express Platnium Travel to XXXX. We were on the XXXX XXXX from XXXX XXXX to XXXX XXXX and needed to get back to the United States due to the Covid-19 situation. We called American Express Travel and were on hold for a total over 2 days 412 minutes. The long hold time, incurred a {$1200.00} dollar phone bill with XXXX. I called American Express Platnium to discuss some payment reduction through Amex point system to help with the high XXXX  payment due to their travel department not answering. The whole reason one uses the platnium card and pays the extremely high annual fee is for the services you get as a card holder and the services you get from the Amex travel. This time Amex did not provide the services and because of their inability to do their service correctly, I incurred a {$1200.00} dollar bill. XXXX charged {$290.00} per minute. I spoke with the representative and a manager at Amex on XX/XX/2020. They refused to give any refund except {$100.00}. The calls made were on XX/XX/2020 and XX/XX/2020 and I have included the information in the documentation. I have been an Amex Platnium member for over 20 years. I cancelled the card on XX/XX/2020. American Express is not what they used to be, they should be ashamed and they should pay the {$1200.00} for their lack of holding up their end of the contract for a platnium member. They take {$500.00} a year for platnium and they charge {$39.00} a ticket to use their service, however they neglect to hold their end of the deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: AES/PHEAA
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am writing in to the CFPB in regards to my Federal loans I have through Fedloan Servicing. I currently owe {$48000.00}. I feel the information that was given to me by several agents at Fedloan Servicing was invalid, and deceiving. This is in direct violation of UDAAP and I have been deceived into consolidating my student loans for a lower monthly payment, doing a low income payment plan to lower my monthly payments to something that is more affordable and manageable for somebody with my income which is roughly $ XXXX-XXXX. In which case my monthly payment increased and are higher that what I would have been originally paying my monthly payment before I consolidated my student loans was about $ XXXX, now I am paying double {$410.00}. The agents told me by applying for a Income Pay as you go Payment plan would lower my monthly payment and consolidating my loans would do so as well. This information is not correct and very misleading. The information I was provided by several agents several calls that I have made since XXXX XXXX to current date XXXX XXXX. I have had to use my forbearance to weight for them to process my information only to have my payment increase rather than what I was communicated. Being in the financial industry and knowing about student loan debt, banking practices amongst other financial institutions this is something I felt would fall under UDAAP and something I would like the CFPB to look further into so college graduates like myself do n't have to go through this experience. If I had known that applying for this payment plan and consolidating my loans would cause my payment to increase I would have never done it to begin with. When I had applied for my repayment plan to decrease and lower my monthly payments I was told I would have to use my XXXX taxes. Being married and filing joint taxes my husbands income would be taken into account. Even though he does not have student loan debt and is not helping me pay back my student loans. Given his income is greater than mine this caused my monthly payments to be higher than what I would have been approved at on my own. So I applied for income sensitive repayment plan because I could not afford a monthly payment over {$400.00}. In which case I was rejected due to that fact that I was already in another payment plan that would last 12 months. Now I am financial hardship trying to figure out how to pay this amount without using my husbands income to help me. I feel all the information I was provided by several agents was misleading, incorrect and deceiving.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21
Company: SUNRISE CREDIT SERVICES, INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I've had my current number for 15 years at my present address. Over the years I've been getting debt collection calls for a XXXX XXXX. Apparently her information and the phone number associated with it has been repeatedly sold and turned over. The latest company calling is Sunrise Credit Services. They called last week before XXXX, hung up the phone. They called yesterday XX/XX/20, hung up the phone. This time I called back and said there's no XXXX XXXX at this number, has never been one. I've had this number for 15 years, stop calling. They called again this morning before XXXX, and hung up. I called back and told them again, no XXXX XXXX. I'm filing a complaint. The both times I spoke to them I was told my number was being removed. Apparently it wasn't if they're still calling. My phone number is being circulating with the name XXXX XXXX to collect a debt and I've repeatedly said I am not XXXX XXXX and I am not her. The company is called Sunrise Credit Services with a XXXX, Maryland number of 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