BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-23
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
XXXX   XXXX   XXXX   Received e-mail notification from : FedLoan Servicing   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  regarding servicer message Account # :  XXXX , which stated : " As part of the Pay As You Earn  ( PAYE ) p lan, you are required to recertify annually, even if your income or family size has not changed. We needed this updated information to recalculate your monthly payment based on your income and family size.   Since we did not receive your complete annual documentation, your new payment amount is not based on your income and family size ; however, your loans will remain on the Pay As You Earn ( PAYE ) plan. Your new monthly payment of {$360.00} is first due on  XX/XX/XXXX .   If you want to have your payment amount recalculated based on your income and family size, apply online '' A message was in my inbox on   XXXX   XXXX   XXXX   but I had not received an e-mail notification, the message stated I would need to recertify by   XXXX   XXXX   XXXX   but the deadline had already passed ( before I had been e-mailed by the servicer ).   On   XXXX   XXXX   XXXX   I completed and submitted my recertification forms, and included my  XXXX  tax form copies, but I received a response it was incomplete and to please resubmit/ On   XXXX   XXXX   XXXX  , I resubmitted recertification forms, but included my most recent pay-stub from my employer.   I received notice from the servicer that my forms had been received and that I would receive a response within  10  business days.   Today is   XXXX   XXXX   and my checking account has been debited {$360.00}, which I can not afford ( I had been approved for a PAYE plan of $  XXXX  month  ). I have not yet received a response from my servicer regarding my latest recertification submission.   I have attempted for several days to postpone payments or stop the debits from my account ( through an option on the servicer 's website ), but I receive a message that I can not postpone the payment at this time, and that I can not delete my checking account from the servicer website without first putting another account from which debits can be made. I can not afford {$360.00}, and I will not be able to afford more than $  XXXX /month for the foreseeable future as my wages are not likely to increase, at my present job as an  XXXX  in a state college system -- and in fact -- I am lucky to have a job at all, since there are pending reductions in the state college system in Florida.     Please help -- I can not pay another month at this rate or I will go bankrupt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/18 I attempted to get a free credit report from TransUnion only to be charged {$27.00}. I was able to get a refund. I saw an article about it happening to others and wanted to report it

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 2019-12-02
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2019 i borrowed money from Checksmart in XXXX ohio. The entire process was odd. The amount i received was {$280.00} and the payback amount was {$330.00} which was due XX/XX/XXXX. I paid the amount off in full on XX/XX/XXXX & decided never to borrow from that company again. Today XX/XX/2019 i had a missed call from Checksmart so i returned the call. At XXXX i called the XXXX   number and XXXX answered the phone. She informed me she was calling to remind me of my payment due on the XXXX. I asked what payment? She then proceeded to tell me that i owe {$25.00} a month for the next 12 months for an open line of credit of {$400.00}. I was baffled & shocked. I told her this is the 1st im hearing of this and that i borrowed one time from their company and paid the amount off in full. I dont owe them anything. It was one transaction that is over. She said its like a credit card that charges monthly fees and i told her i dont have any of those and i didnt agree to this and i dont owe them anything. She said theres a {$10.00} credit investigation fee and its included in the monthly fee. I told her i dont owe them anything because i paid everything off in full. She then asked when and how i would pay the monthly fee ... i said im not and i was contacting an attorney for fraud. I then found your website and began filing this complaint. This is absolute fraud and some odd extortion. I never agreed or wanted any of the things their saying i owe. I went there one time and paid it off in full. I decided not to borrow from them again because the whole process on XX/XX/XXXX felt shady. I can see now that shady feeling was well founded. This is a scam company and i cant even imagine how many other people they are robbing. It is fraud and theft. I look forward to hearing back from you. Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: MI
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 and XXXX account number 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 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 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 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 XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 and XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXXXXXX XXXX account number XXXX, Preferred Lease account number XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, also listed under inquiries, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX Na dated XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Na XX/XX/XXXX, XXXX  XXXX Na XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2020-03-29
Company: JPMORGAN CHASE & CO.
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:
Date XX/XX/2019 {$150.00} XXXX XXXX XXXX CA Chase credit card service decided that the charge is valid. But I disagree with their decision because I have never authorized the amount charged. I provided that screenshots of XXXX owner promised to give me a refund but chase thought the charge is still valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: Experian Information Solutions Inc.
State: FL
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 requested Experian to investigation a trade-line from XXXX XXXX XXXX ( XXXX  ) disputing the alleged balance and the first date of delinquency, on or about the first week of XX/XX/2020. On XX/XX/2020, I received a notification from Experian that the investigation was completed and information regarding the history of the account changed shortening the account history and its confusing to an average person. See Attached. 

I am demanding an account-level documentation investigation conducted showing the accounting history, the alleged balance, date opened, first date of delinquency, documentation establishing the terms of this account, and the contract with my signature or equivalent establishing an agreement between XXXX and myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I contacted XXXX XXXX, Equifax , XXXX, and XXXX in reference to XXXX XXXX XXXX XXXX report that I was 30 days late in the month of XXXX XXXX and XXXX XXXX. The car was paid off and sold in XXXX. The automated system states they have no information for an account with my social security number. I have called and spoke to the office of the president numerous times and they continued to give me the wrong information. I spoke to XXXX ID # XXXX who refused to give me his information. I requested he fax a letter showing the car was paid off in XXXX. XXXX ID # XXXX stated that they received payment in full via money Gram XXXX/XXXX/XXXX. At the time I was paying the car off the payoff information was wrong per office of the president. They are reporting conflicting information with Equifax , XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have disputed a fraudulent account with identity theft police report I filed with local police department in which it states that I am a victim of identity theft and a fraudulent account was opened under my name from XXXX / XXXX which is a online web store. This account was disputed with Equifax on XXXX/XXXX/2016 and was removed from my credit on XXXX/XXXX/2016. Upon checking my credit again today ( on XXXX/XXXX/2016 ) it shows in my Equifax credit report again which means the fraudulent account is reinserted back in to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 has violated my rights. 

15 U.S.C 1681 section 1 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 2 604.A also states a consumer reporting agency can not furnish an account without my written approval or instructions.

I have asked this company several times to provide me with a signed contract by myself and they have not delivered

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 2022-09-07
Company: EQUIFAX, INC.
State: NC
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:
The is not Filed by a Credit Repair company and this not filed by 3rd Party. 

In Accordance with the Fair Credit Reporting Act XXXX  has violated my rights according to 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 Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXme : USDOE/XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The is not Filed by a Credit Repair company and this not filed by 3rd Party.

In Accordance with the Fair Credit Reporting Act XXXX  has violated my rights according to 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 Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : USDOEXXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX Account Name : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXX Account Name : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX  ) Account # XXXX XXXX  XXXX Account Name : XXXX XXXX XXXXXXXX Account # 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 2020-03-29
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This Charge-off appeared on the file that XXXX  keeps under my social security number. I have an extended fraud alert under XXXX  due to identity thief. Due to this I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with ENHANCED RECOVERY CO and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I wrote to Transunion to dispute what they are reporting on my credit report. They sent me a response to verify my address when I already had my address on State ID which is their address verification. I used a XXXX XXXX XXXX which was still a valid address as I was in a XXXX XXXX XXXX at the time. Both the addresses were correct and valid and have attached proof of these addresses including the ID I sent to bTransUnion. I did not see any investigation done on my reports despite Transunion having valid addresses, I feel that this was only to buy time as they have no adequate information to complete an investigation, hence validate the debt as requested. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 
As reiterated in my letter, if Transunion does not have any documentation in their files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).

It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.

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 2017-03-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to remove the listed UNAUTHORIZED inquires from my credit report. I have contacted every creditor and they have reassured me that these inquiries should be removed immediately as they were submitted without my permission, yet the Credit Reporting Agency continues to list inaccurate, misleading and unverifiable information. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: CA
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:
Last year I discovered a false account with XXXX XXXX  and XXXX XXXX. They told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX  and XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX  and XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

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 2022-04-13
Company: FIRST HERITAGE CREDIT LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Multiple hard credit pulls without my consent. Spoke to agent about the issue and he stated that they could pull credit as many times as they need as long as I have a debt. I believe this to be unlawful

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America continues to erroneously report a mortgage payment made in XXXX XXXX as being 30 days late. I have submitted letters with a bank statement ( the latest letter was sent on XXXX/XXXX/XXXX and BOA acknowledged they received it ) showing the payment was made on XXXX/XXXX/XXXX and cleared a BOA checking account on XXXX/XXXX/XXXX. I have made numerous calls where I am promised someone will look into it and get back to me.. and I hear absolutely nothing. The latest call was on XXXX XXXX, I spoke to a supervisor in XXXX, Az who gave me his contact info and said I would be hearing back in 3 days. Never heard a word, called and left several messages. To date still nothing. Every rep I spoke to acknowledges that the payment was made within 30 days, then transfers me to another department, who then transfers me to yet another XXXX and no one can seem to rectify the issue. Bank of America 's lack of customer service and trained employees is toxic to their customers financial well-being. I have also tried to resolve this through Experian, but was told I shoudl contact the bank,. I need this resolve ASAP as it is affecting my credit rating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-20
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
After disputing this multiple times with Equifax and filing XXXX previous complaints through CFPB equifax continues to report this account with inaccurate information. On XXXX/XXXX/2016 Equifax responded to the last CFPB complaint advising that they update the amount and closed the account. However Equifax left the remark of 60-90 days late. I received a message from the creditor ( XXXX XXXX ) on XXXX/XXXX/2016 advising that they called Equifax on XXXX/XXXX/2016 and gave them direction to update this account. However Equifax continues to report this account as they please. I am appalled at Equifax blatant and malicious behavior in managing this credit item on my credit report.

Company response to consumer: Closed with explanation