BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX Inquired on XX/XX/2022 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2021-10-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. i DID RECEIVE A RESPONSE HOWEVER, THERE ARE ITEMS THAT ARE STILL SHOWING ON MY CREDIT REPORT WHICH I INCLUDED DURING MY DISPUTE. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS IS DECEPTIVE PRACTICES BY THE BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up with XXXX ( Chase Bank ) through a referral offer from a business associate on XX/XX/23. The terms are of the offer are below. I met all of the requirements and I continue to get no response from XXXX when I inquired about the {$200.00} bonus. There phone number goes directly to voice mail suggest to contacting them through chat / email. It's been several weeks and I continue you to get no response. 

" To be eligible to receive the {$200.00} cashback, a user must successfully register to XXXX using the link above, and successfully complete their first payment of at least {$200.00} via XXXX XXXX, and such payment is not charged back or refunded. Eligible users will receive the cashback by bank deposit. XXXX reserves the right to end the promotion ahead of time or to make changes or additions to this promotion for any reason at any time. This promotion is available only to new users who have signed up to XXXX using the link above. XXXX reserves the right to withhold payment of rewards in case of fraud or abuse and subject to their Terms and Conditions. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
To whom it may concern : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data eld reporting. The information has not been proven to be true, correct, or veried.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards.For every account that youre reporting, I need evidence ( physically veriable ) that you veried the information to be accurate and compliant. For every inquiry I request proof that you conrmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete 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 non-monetary relief
Consumer complaint received 2023-10-02
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I wanted to make payments on my student loan prior to interest accruing so I made a payment on XXXX of {$83.00} and it was confirmed. I made an additional payment in XX/XX/2023 of {$130.00} and it was confirmed. I realized both were never processed from my bank account and they now state payment reversal. I tried again to make a payment on XX/XX/2023 of {$83.00} and the same thing. I dont know why my payments arent being processed and deducted from my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 consumer rights were violated by this credit reporting agency. I didn't give them my written permission to share my information on a consumer report on my behalf, nor did I validate any of the information. Without my validation and verification of information this information is impartial and is a clear violation of my rights. Otherwise anyone could just say I owe them anything and report it and farther ruin my reputation.

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 2023-05-27
Company: Experian Information Solutions 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:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 4 previous letters to you, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. 1. This account resulted due to identity theft. XXXX  XXXX Account Number : XXXX Please remove this account from my credit 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 2022-07-21
Company: Avant Holding Company, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I paid off my credit card with AVANT on XXXX the payment was credited to my balance but has not be refective in my available credit. 

The representative stated a payment can take up to 10 days to credit my account, but there are no disclosures indicating that a payment can take up to 10 days to show available to use This is unacceptable that funds were drafted from my account the next day and now my funds are tied up because of what??. 

I don't understand how you can credit my balance but not make my funds available. 

I have ask the company to send me where the policy is disclose to the consumer and they have not been able to provide This is unethical and a misrepresentation of payments. If the fund are credited and posted to the balance & funds are drafted from the account why are fund being kept and held for up to 10 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
submitted online request to get my name and address updated and still my name and address are incorrect

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 2023-10-25
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XX/XX/2023 - I spoke with my account manager, XXXX XXXX, regarding income and expenses. He seemed shocked at the amount that my wife and I spend on groceries in a month and after reviewing my finances, he asked me if I would be willing to " cut back '' my expenses or if I had a wealthy relative who would be willing to help out with expenses. His tone was judgmental and condescending. I have no control over the fact that my monthly expenses have increased substantially with the massive increase in inflation and corporate greed. I asked to speak with another representative and was placed on hold. 

XX/XX/2023 - I received a notification from my sister in law that XXXX attempted to contact her as well as her father. I have spoken to her father maybe 5 times in my entire life, so for Sallie Mae to call him in an attempt to reach me seems like a breach of my privacy. 

XX/XX/2023 - I called Sallie Mae again and spoke with XXXX XXXX. She informed that there would be repayment plans available, but because my debt to income ratio is too high, they can not approve a plan until I am able to show that I can repay the debt. I thought the purpose of a repayment plan was to repay the debt. They would not give me any further information about repayment plans unless I was able to show them that I would somehow have additional income or would lower my expenses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19
Company: NCB Management Services Inc.
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX account was opened in my name, however it was a result of identify theft. Reports have been filed and original company even verified it was fraud and removed the debt then continued to sell the debt to a debt collection agency and re add it to my report. Please tell them to cease trying collect on this account which is not mine and removed it from my report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a certified verification of debt letter to the JPMCB CARD. Unfortunately, the bureau failed to provide any documentation with my signature verifying this debt. I can not pay and will not pay anything that can not be verified. I requested detailed documentation and the Bureau could not provide this info.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have never done business with Ad Astra Recovery Services. I do not have a signed contract not any contract with Ad Astra Recovery Services. I have the right to demand to see a signed contract between Ad Astra Recovery Services and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Sometime last year in XXXX  around about XXXX or XXXX, I was contacted by AIR COLLECTIONS & OUTSOURCING claiming I owed a debt from my previous Landlord XXXXXXXX XXXX XXXX in the amount of {$3700.00}. I informed the representative at the time that was impossible and incorrect. I explained my payment was never late and paid in full. Including XXXX XXXX XXXX  informed me they would not be renewing my upcoming lease and lease will end in XXXX.During this time my wife and I was going through a divorce and I was not living at the resident. Therefore I kept paying the rent as required until my lease ended.The non renewal of the lease was a benefit ensuring I end all connection with my wife. Once my lease ended in XXXX, I surrendered the key to the office manager. Later I discovered that my ex-wife still living in the resident assuming the office manager renewed the lease with my ex-wife for her name was on the lease as a joint while i was living at the residence. Later I discovered that XXXX XXXX XXXX had file a Recover of Real Property hearing against my ex-wife well after my lease ended and keys was surrendered. I informed the representative this is not my debt and its an issue with my ex-wife. I fulfilled all obligations required on my end. Including I have documentation stating this debt is indeed my wife for the paperwork XXXX XXXX XXXX  filed in court was against her. Now i check my credit report and was disturbed to find out this building and collections agency placed a collection on my credit report. As a result, I have been turned down when trying to secure funding and opening accounts with different retailers. See attachments below supporting bank statements rent was paid in full and XXXX XXXX had a swatter issue which I was not a participant.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Diverse Funding Associates LLC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I had a missed call with a voicemail from an XXXX company. They kept calling me and so I called them back. I spoke to a gentleman who told me that they had been sending me emails ( I don't receive emails to that email address ) I then asked for proof of debt which he then hung up on me... I called back to talk to another associate and a woman answered the phone. She said that they have been sending letters to my house but I have not received any letters from them. I explained to her that we've had about four different mail carriers in the last year and she got real sarcastic and said I apologize. That's my fault... She then started getting real upset and using foul language... Which then I told her to quit harassing me especially when they will not send me proof of debt with my signature on showing that I have signed for the loan or credit card, whatever it is...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Caliber Home Loans, Inc.
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We are purchasing a home from XXXX who is using Caliber Mortgage to service the loan. At this point we have been in the process for 4 months. This is a VA loan and my husband is the veteran. Essentially they have had our finances as a XXXX  and us because we can not do anything. We have signed so many closing disclosures that I can't keep count. They can not get our down payment straight and have jerked us around and all over the place. XXXX underwriters have done everything that they can to help us. Caliber underwriters have kept us from closing for months now. It seems they don't want to close the loan. Luckily XXXX has allowed us to live in the house so we aren't homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Albert Corporation
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
The Albert savings app refuses to allow me to withdraw the small amount of money in my savings because the account linked is closed. The account associated with Albert was closed earlier this year. I linked a new XXXX account AND signed up for an Albert Mastercard in an attempt to withdraw my funds. The agent still stated I need to provide bank statements and reconnect a bank account that no longer exists to withdraw from savings. Albert needs to allow for me to withdraw these funds and have them routed to another account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home to get out of a terrible experience with prior loan " servicer '' .My refi is thru XXXX XXXX  XXXX-and came to realize THEY farm out their customer payments through Rushmore Loan Management XXXX XXXXSorry XXXX can't provide any real address.They have multiple po box es, so will supply their complaints box : XXXX XXXX XXXX XXXX, CA. XXXX complaint early into this process.I 've been down this rabbit hole before:1st-in attempting to work amicably w/this company ( realizing I may not understand their process ) -I was told simply to render payments closer to the due date.Briefly : there is no direct response, accountability or person to contact.I invite you to try! Virtually every # called is a minimum XXXX0-15 min.hold, with the standard, " leave your # and someone will call back '' .Problem? I have submitted 2 seperate mortgage payments ( XXXX due XXXX XXXX due XXXX ) through the USPS to their own po box .Coupons and instructions from statements per Rushmore 's requirements.Both times a principle curtailment got applied.Not the obvious mortgage payment in the amount due.Both times required several contacts to apply a reversal to their error -- -which, they in turn state can take 3 days to reflect.Rushmore is a debt collection agency.I work, am a veteran, and have chronic health issues.I am not willing to chase this company 's mistakes every month, bearing in mind their errors can severely and negatively impact my investment.If your agency can reach them, I want to know why they can not /will not apply the payments as directed by their own prorocol.It feels as if they're deliberately setting things up to throw my payments into delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$520.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX  XX/XX/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 2019-02-18
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Took out loan of $ XXXX..Have paid back amount of loan plus {$210.00} they still want {$450.00} to settle account. Believe they are illegal in state of Florida based on interest rate and cap of {$50.00} per {$500.00} borrowed

Company response to consumer: Closed with explanation