BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sold a utility trailer to someone 15 years ago. They never registered it with California DMV. Now they have received XXXX parking tickets from the City of XXXX XXXX for parking in a street sweeper zone. I went to DMV and had them stamp non-responsibiltity statement and sent it to the City of XXXX XXXX XXXX Department. The stamp is not back dated to 15 years ago, so the City of XXXX XXXX turned me into collections for the parking tickets that are not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: Experian Information Solutions 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: Problem getting your free annual credit report

Complaint:
At Experian, and XXXX XXXX, the later couldn't let me through, and Experian would not continue the prompts online, making it frustrating. My room mate, XXXX got hers, but I could not. I need it to rent an apartment, or I will be homeless!! please tell me how I can get my report. Thank you, 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 2022-11-08
Company: AXOS FINANCIAL, INC.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Axos bank called multiple times after XXXX XXXX, and multiple times per day from XXXX to XX/XX/2022. They were notified of this multiple times, and never communicated back or placed me in contact with legal or compliance. I have screenshots and documentation submitted directly through their portal that has been ignored. It appears a lawsuit is the next step.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: NE
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 my mortgage with XXXX Bank and have always made on-time payments. However, the last 2 months, they have incorrectly reported to the 3 credit bureaus that my mortgage balance has gone UP ( it has not ). I have tried disputing with XXXX multiple times and they are not helping me, they keep reporting incorrect information that has hurt my scores. On XX/XX/2022, they reported that my mortgage balance went up by {$940.00} ( to {$170000.00} ) when it actually should have gone down to {$170000.00}. This decreased my credit score by 1 point. I called the bank to dispute this information and disputed with the 3 credit bureaus. It was briefly corrected until XXXX. On XX/XX/2022, they again incorrectly reported my mortgage balance as going up to {$170000.00}, when it was actually at {$170000.00}. I called Monday XX/XX/XXXX and XXXX refused to open another dispute, saying my original dispute was declined. This time, my credit score dropped again by 4 points due to these reporting errors. They are refusing to help me or correct the issue. I keep disputing, and they keep reporting the wrong information.

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 2017-03-22
Company: AES/PHEAA
State: OH
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:
I received a loan for XXXX dollars to put myself through school in XX/XX/XXXX. I do not have all the documentation however my current balance is XXXX dollar and I have paid XXXX. They denied my request to enter forbearance during XX/XX/XXXX-XX/XX/XXXX even though I had proof I was still enrolled in a graduate program. They have compounded interest upon me unfairly. In the statement I am looking at it states I have satisfied XXXX dollars of principal and yet I still owe XXXX dollars?? They are price gouging! I would like the interest that accrued to be reduced/eliminated from when I could not make payments while enrolled in a graduate program. Thank you very much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have a student loan with AES i have been paying on it since 2008. I have never missed a payment. I have never been late on a payment. even though I have never missed a payment my balance is still more than what I took my loan out for. When I have contacted AES on multiple occasions to ask for ways to get the balance down I have been told there is nothing they can do because my loan is paid up to date and not missing payments. I asked for a reduced interest rate to try to pay down the debt I was laughed at on the phone, and was told that the only way they will work with me is if i stop making payments and let my account fall behind they can then work with me until then I am on my own. I have a XXXX credit score and do not think that I should have to ruin my credit to get assistance in trying to pay my debt down. When I asked would it help if I made more of a payment would the balance come down, I was told that not matter what I send it will come off the interest and not the balance until all the interest is paid back. I find it very hard that in 8 years nothing has come off my principle. I feel that no matter what I do AES will not let this loan be paid off. I feel as if I am drowning in this debt and cant tread water for very much longer with out giving up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My wife died 2 weeks ago and she had our Sam 's Club credit card in her name. I now have to get one in my name so I applied. Synchrony bank said I had to get a smart phone and do a facial recognition video or hire a notary to verify my identity. I don't have a smart phone and I find facial recognition an invasion of my privacy. I don't think making people hire a notary is fair to open a credit card. We never had this before. My credit score is over XXXX. I find Synchrony bank to be discriminatory in this matter. I think they are using big tech and A.I. to suppress people. This is based on a phone conversation with " XXXX '' on XX/XX/22.

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 2017-02-21
Company: AES/PHEAA
State: FL
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 student loans are in the income based repayment status with {$0.00} due each month. The loans were dispersed XXXX months apart from another while still in school. Somehow my student loans are reported to the XXXX credit reporting agencies as being delinquent back in the beginning of repayment when I was covered by a forbearance waiting for approval of my income based repayment plan application. After disputing this for XXXX years, I finally was awarded a dispute victory for XXXX of my student loans but the other loan is claimed to be reported as accurate. My reasons for dispute have not changed in the past five years yet all of a sudden the results changed. The largest that I carry is my student loans. I am unable to get financing for my XXXX that I started just over XXXX years ago due to the only loan that I carry being an adverse status which is incorrectly reported but claimed to be correct. Not sure how this is especially when it 's a federal government student loan so the federal government is the one reporting the information is accurate when it 's inaccurate and preventing me from accessing Capital to grow my XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-01
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
everytime i try to get my report it asks me a bunch of quistions about loans i have never had then kicks me off when i say none on the quistion. im afraid there is charges that are not mine on there where it will not let me in called and they want me to go threw a bunch of stuff. i want my report where i was denied credit and should not have to suscribe to there web site to get it like i was told i could pay XXXX and get it. under the fair credit act im intitled to know what is on there

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: Vantage Sourcing, LLC
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Vantage Sourcing claims I owe XXXX to XXXX XXXX, I have never been with XXXX and use XXXX currently and have been for quite sometime now. This is a ridiculously high amount even for a cell phone, I suspect the account is a family plan as the charge can not be for on line alone. I also believe that Vantage Sourcing has added on charges and or fees of their own as this amount is still too high for a family plan, I have never in my life had such a high utility bill even for gas, electric or cable. This is obviously fraud and someone used my name to open the account, possibly a relative. I have a cousin with the almost the same name, he goes by XXXX XXXX with no middle initial. My name is XXXX XXXX XXXX, the notice came in his name. I can not be for sure, however, I think he opened the account using my social security number. He might have done this as he may or may not have good enough credit to open an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My brother and I started a business account at Suntrust bank, because one of the bankers told us about a promotion they were offering. When we sat down with the banker and started the account. She told us all we had to do to receive the promotion money, was open the account and keep a positive balance for about seventy five days. That was to receive the XXXX XXXX dollars. To receive the XXXX XXXX dollars, she said we needed to sit down with their business consultant and purchase something from the company he worked for. That would be a total of XXXX XXXX dollars if we had met these requirements. All together we spoke to XXXX employees at the bank about the promotion. They all said we would receive the money if we met these requirements. We spoke to the manager, the banker and the business consultant. So we started the business account, purchased a XXXX from the business consultant and we kept are account open since XXXX 2015 and still continuing now. In doing this we met the requirements that we had been informed of. Then when the time came that we were supposed to receive the promotion money. They did a bait and switch. At this time they informed us that we needed to make a XXXX dollars worth of qualifying deposits. As soon as we found this out we deposited the XXXX dollars with in a week. The manager told us that she would snap shot the deposit to show her escalation department we had the money. At that we left the bank. We went back to the bank and asked about the promotion and one of the employees gave us a number to contact the escalation department. When i called that department they told me they would have someone call me back. They had someone call me and tell me they still had n't made a decision. Since then it took about six months waiting on someone to give us an answer about the promotion we deserved for meeting the requirements. Their answer was they would have honored another promotion for XXXX dollars, if we would have met the requirements of making XXXX dollars worth of deposits and that we never registered in the program. Conveniently enough for them, they left this out and did n't inform us that they we 're considering to honor the XXXX promotion instead of the XXXX. They did n't even know what promotion we signed up for. They never even told us we needed to enroll into a program. After this they said that was their final decision and if we called back we would just get the same answer. We would appreciate if we received the original {$400.00} we we 're told we would receive. Thank u.

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 2022-11-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I sent a dispute letter to the consumer reporting agency on XX/XX/2022. 
Regarding a few inaccurate marks on my report. They are reporting late payments and also a charge-off and according to Federal Law : 15 USC 1681 a ( i ) which states that consumer reports should NOT include transactions or experiences between the consumer and the person making the report I explained this in my dispute and the violation was not corrected. 

This account has also been charged off and according to IRS publication, XXXX charge-offs are considered income and income shouldn't be reported on your credit report. 

I would like for this account to be removed from my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The Credit Bureaus are reporting that my monthly payment for XXXX of my student loans are above $ XXXX when in fact it is only {$290.00} for all XXXX consolidated loans. This is throwing my debt to income ratio off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed with Equifax on two different time frames regarding my public record. I did not file for bankruptcy. I contact the BK court house and they informed me, they do not provide any information to the credit bureau, and they are not held responsible for inacurate information that maybe collected by third parties. Equifax is in vilation of Fair Credit Reporting Act 623 ( a ) ( 3 ). I never filed for bankruptcy and this public record needs to be deleted permanently, from my credit report. My next step is to file smal claims. I also, sent the Equifax XXXX XXXX, CEO a copy of my dispute letter. 
Equifax, has not verified nor validated the bankruptcy, providing my signature at the bankruptcy court house, the court house does n't communicate to the che credit bureaus. I

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft. On XXXX XXXX, 2015 a credit inquiry was made by XXXX XXXX. On XXXX XXXX, 2015 a credit inquiry was made by XXXX. I sent certified letters to both XXXX XXXX and XXXX and received letters from XXXX acknowledging the fraudulent inquires and stating that they would be removed. Equifax has not removed the inquiries and has told me they must receive the request directly. Attached please find my fax to Equifax with copies of letters from XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i sent Equifax a dispute on XX/XX/2015 . that I was a victum of  identity theft, fraud, etc. I sent them a copy of what was incorrect and they sent me a generic response of a letter stating that the information is factual record of file access. No its not why would I have to contact the creditor directly. Please remove the inquirys in question off my report  I want this researched and removed. if there is anything incorrect on your report we are suppose to the advise the credit reporting immediately and I did and per the fcc rule this information must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I tried to get an copy through Equifax but everytime it tells me that the information is invalid. I sent in an copy of my driver license to Equifax and they still do not have my information correct nor am I able to even get online line to dispute anything. I have no problems with the XXXX or XXXX, just Equifax. Every year its a problem and it is not fixed yet and the information is outdated and not up to date and the reason I know is because of the low credit score that I have with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed an account being reported ( erroneously ) as mine by XXXX XXXX XXXX on my credit file. " I wrote XXXX XXXX XXXX XXXX XXXX of 2016 ( see attached document " XXXX XXXX XXXX XXXX '' ) to dispute the debt and I received their letter dated XXXX XXXX, 2016 ( see attached document " XXXX XXXX Response XXXX XXXX '' ). In it, you can see that have not provided any source documentation as requested and that the letter was not sent within the thirty days allowed for them to respond. XXXX XXXX XXXX has failed to prove that I have any account with them and yet, Equifax continues to report this bogus account. This constitutes a violation of Section 623 ( a ) of the FCRA and I demand that they remove this erroneous information and deleterious account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX Bank lowered my credit limit supposedly by something submitted by Equifax submitted or was part of my credit report. When I went online where they said I should go for a free credit report since I 'm obligated to XXXX with my limit being decreased, they would n't let me see anything online, instead they told me that I needed to submit a copy of my driver 's license and a copy of my social security card in the mail. EXCUSE ME - THAT IS NOT SAFE!!!! I should have a right to see this online through their sight and be able to dispute anything right then and there. I 'm tired of this being a crutch for everyone to use when I have been paying my bills on time. XXXX Bank stole from me and Equifax submitted the report and yet NO ONE GIVES ME THE PROPER BACK UP!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-02
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am disputing the XXXX hard inquiries that are on my Equifax credit report. 
The inquiries are from XXXX Bank and they are : XXXX. XXXX XXXX Bank : XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX Bank : XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX Bank : XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX Bank : XXXX ( XXXX XXXX ) I have sent XXXX letters to Equifax to dispute these hard inquiries and they have done nothing yet to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: CITIBANK, N.A.
State: AZ
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:
I am having  XXXX  credit cards from  Citi : 1 )  Double cash back  XXXX  for many years  2  )  Citi Visa Card  which  XXXX  changed it from  XXXX  to  Citi Visa  last year.   I was using the login id and password for few years and it has got  XXXX  factor authentication also.     For last  XXXX  days - my login id is not working and even password reset feature not working. Just now called Citi and I was told that there were attempts to hack my account and they had blocked my login id, what??? Without even informing me? they have all the contact information about me, why in the world they should do something like this???   And why in the world citi or visa or mastercard is self praising themselves for their fraud detection.     I need to re-register my cards and create a new login id. - that 's total waste of efforts and time especially when i am having at least  XXXX  grands of transaction every month with them.

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 2022-11-08
Company: GOLDMAN SACHS BANK USA
State: DC
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:
My Apple ID is XXXX, with Apple CXXXX XXXX made a transaction of $ XXXX by XXXX XXXX XXXX XX/XX/2022, at XXXXXXXX XXXX. A dispute was initially filed due to being charged 33 % more than what was owed. After the items were received, it was realized that they were also damaged, at which point I contacted Apple Card to dispute the whole charge because the merchant had been non-responsive. XXXX insisted that there is a waiting period for proceeding with the dispute, when no such provision is given to credit card companies by the CFPB and/or FTC. It is alleged that Apple Card mishandled this dispute and should, per the situation and criteria mentioned, initiate the dispute on behalf of the consumer.

Company response to consumer: Closed with monetary relief