BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-06
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
After the U.S. Department of Education announced that student loan payments had resumed due to legislation passed by Congress, I logged into my AidVantage account and paid the remaining {$820.00} left on my student loan account and completely paid off my loan in full on XX/XX/XXXX ( payment confirmation : XXXX ). Despite my loan being completely paid off and my remaining balance being {$0.00}, AidVantage fraudulently charged me {$51.00} on XX/XX/XXXX on a loan that had a remaining balance of {$0.00} ( paid off on XX/XX/XXXX ). Because of this my loan amount or " unpaid principal '' is showing as $ XXXX. Not only did AidVantage fraudulently overcharge, they did not email me notice that this transaction had gone through and they have not taken any steps to inform me that they are returning those funds to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/2023 - I have disputed a bankruptcy in my Transunion public records. My credit monitoring service has detected the us of my name and social security using the address XXXX XXXX XXXX, XXXX, North Carolina XXXX. I have disputed this bankruptcy with and address with XXXX. Both consumer credit reporting companies keep verifing this fraudulent activity after investigations. I have attached the Identity Alert from my credit monitoring service XXXX XXXX to show proof that someone is still trying to use my name and social security number on the DARK WEB and they are using the same address that is reporting on my XXXX consumer file. Screenshots attached to show proof. The information is not information relating to any transaction by me. THIS IS NOT A ERROR! 
15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

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 2020-03-31
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Dear Sir/Madam : I have repeatedly reached out to the credit reporting agencies ( Equifax, XXXX  and XXXX  ) regarding credit inquiries on my reports that are without a permissible purpose. According to the FCRA, the aforementioned credit bureaus must remove such inquires immediately. 

Here are the queries in question, along with the bureaus reporting them : XXXX  : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX  : XXXX ( shows up twice ), XXXX XXXX and XXXX  XXXX Equifax : XXXX, XXXX XXXX XXXX and XXXX  XXXX  I am requesting these inquires be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Possible criminal conduct. See pdf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

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 2017-04-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
On two occasions, one in XX/XX/XXXX and XX/XX/XXXX, my checking account XXXX, was compromised for the amount of {$500.00} to pay on my Citizens Bank Credit Card Account,XXXX without my authorization. 
Again on XX/XX/XXXX this happened again when I made a monthly payment of XXXX dollars XXXX/XXXX, to the credit card account and the bank " took '' " without authorization '' XXXX dollarsXXXX/XXXX as a credit card payment on XX/XX/XXXX. 
I called Citizens bank and they 're very incompetent over the phone and have incompetent persons asking irrelevant questions and not solving problems. 
Twice this year and I 'm afraid that my account has been compromised! When I told this to the Customer Service Representatives, they had no solutions to this issue. 
I need the Commission to look into this matter because the Bank '' Citizens '' is n't functioning in a normal fashion in the interest of the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have a Citibank account. I wrote a check out of my Citibank account for {$23.00} to deposit into my XXXX account. I had funds in my account at Citibank to cover the check. However Citibank returned my check for {$23.00} because they said I did not activate my checks. Citibank did not send me any disclosures at all. No disclosures for the account, and no disclosures saying that I have to activate my checks. I printed the full transcript of the chat I had with the Citibank representative. Because of this issue it caused me to start a bad reputation at XXXX. And I also got charged a fee for the returned check. Clearly Citibank violated regulations for not disclosing the information to me. I never heard of activating checks before. I have heard of activating a Debit Card and/or a Credit Card, but not checks.

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 2022-12-27
Company: BARCLAYS BANK DELAWARE
State: CT
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2022 is a transaction on my credit statement from all school fundraising for XXXX. I called JetBlue Mastercard to report fraud I receive a credit but than on my next statement transaction was put back on my account. I called JetBlue again and was told they was going to send me all info regarding the transaction when I receive the paperwork all the information on there was incorrect wrong name and mailing address. I than called the school where it was to receive such items and the school was not aware of what I was talking to them about

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 2022-09-13
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: GEORGETOWN MORTGAGE, INC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Back in XX/XX/XXXX, we started the planning process of building our dream home. as the process got on the way after closing XX/XX/XXXX, we started noticing that the builder was not doing what they advertised and we were informing the lender and they were just allowing the builder to continue to collect money but no work was being done on a consistent basis. after countless back and forth emails, XXXX way calls, face to face meetings, we ended up terminating the Builder XX/XX/XXXX. The lender almost allowed us to go into default and showed no real vested interest in what we ere concerned about.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have submitted several disputes to all 3 major credit reporting bureaus ( XXXX ) in regards to this MIDLAND CREDIT collection account and the numerous discrepancies and inconsistencies reported on this account by all 3 bureaus. I have requested verification and validity of this alleged debt from the XXXX bureaus and the collection agency directly. I keep getting notifications from all three bureaus stating that the information on this collection has been " verified '' and is " accurate '' when you blatantly see the inconsistent and inaccurate items being reported on this account that I will detail. First and foremost, XXXX is currently reporting this account as OPEN! and 120 days PAST DUE, on a collection account! XXXX is also reporting a date of last payment! I have NEVER made any payment on this account as I deny it is mine. a collection is by DEFAULT late and past due. The sole fact that this collection is reporting 120 days late and open is a complete error and FCRA violation. Furthermore, XXXX is also reporting this collection as an OPEN account. Lastly, XXXX is reporting date of last activity as XX/XX/XXXX. XXXX is reporting date of last activity as XX/XX/XXXX. XXXX is reporting date of last activity as XX/XX/XXXX. Pursuant to the FCRA I am entitled to fair and 100 % accurate reporting. These egregious errors are ruining my life and the fact that the bureaus failed to acknowledge or rectify these reporting errors and verified them as accurate is astonishing to me and I demand relief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Disputes were submitted on XXXX/XXXX/XXXX - XXXX/XXXX/XXXX - XXXX/XXXX/XXXX and XXXX/XXXX/XXXX to XXXX, Trans Union and to XXXX. The lack of communication these agencies give is utterly ridiculous. As a consumer, it is my right to dispute inaccuracies on my credit files, in which I have. However, these agencies have violated the Fair Credit Act by not responding to my concerns.

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 2023-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
{$100.00} XXXX  transfer to XXXX XXXX was scam XX/XX/2023 {$500.00} XXXX  transfer to XXXX XXXX XX/XX/2023 {$500.00} XXXX transfer to XXXX XXXX scam on XX/XX/2023 {$450.00} XXXX  to XXXX  scam on XX/XX/2023

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 monetary relief
Consumer complaint received 2023-05-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I began working with a merchant in XXXX through the XXXX platform last year. I made two payments to them before I decided to enter into business with another merchant. I attempted to work with them to get my money returned to me but they instead insisted I stay up until XXXXXXXX XXXX to get on a video call with a manager whose intention was to bully me into continuing to work with them. 

I reached out to USAA and before I attempted to file the dispute, I asked the young lady if there was a time limit for disputes and she informed me there was not so I filed the disputes. Since USAA loves to let us know we are on a recorded line, they should be able to verify this. Now USAA is saying too much time has passed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: OK
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:
n accordance with the Fair Credit Reporting act 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 a 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 explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report notation of the following late payments ( 2 ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not { XXXX XXXX Credit Card with Account # XXXX } I also respectfully request to be provided specific proof that theses alleged late payments ( 2 ) were in fact late. I request to see all statements and payments transaction records from the you as the creditor that would proof that my payment was not submitted on time. It is my understanding that I must verify these items with the reporting creditor ( XXXX XXXX Credit Card ) for accuracy. If they are unable to provided that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed Never Late ) according to consumer protection laws. 

In addition in accordance to the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Furthermore as per the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1681 Section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Where is my right to privacy, when your reporting to the credit bureaus about alleged late payments?

Over and above that, by means of the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1681a ( 2 ) ( B ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

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 2022-12-27
Company: EQUIFAX, INC.
State: LA
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 have a court ordered child support payment I am current and no back pay was ordered Credit report is ruining my credit by falsely reporting back due delinquent payments This is false The payments are taken out of my checking account There currently no back or delinquent amounts Please see Judgment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: EQUIFAX, INC.
State: NJ
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:
I feel completely violated by the bureaus and the following 3rd parties, at the top of the year I went to apply for a mortgage and I was denied after learning that my reports were all wrong. I saw a few accounts that are being reporting without my knowledge nor consent. XXXX, Equifax and XXXX XXXX has helped them get away with it by furnishing these account that were not once verified by me nor my spouse. No consent is identity theft and I don't appreciate it.These incorrect items are harmfully blocking me from extend my rights to lines of credit. As it it my written request to delete the following.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ref : Ditech Financial LLC - Acct XXXX We received billing statements ( Attached ) for XXXX supplemental taxes from The XXXX County Tax Assessor Collector and XXXX County Municipal Utility District in XXXX, 1st Time to Receive these Statements, for our property at XXXX, TX XXXX. After receiving these billing statements, we paid these supplemental taxes promptly. Unfortunately, Ditech Financial ( Ditech ), our mortgage company, also paid these supplemental taxes in XXXX without any communication or contact with us. Now there are overpayments on our accounts with these two taxing authorities. We do not have an escrow agreement or account with Ditech. All of our property tax payments, required insurance coverage/payments, and mortgage payments have been made on time since we purchased this property. 

After contacting Ditech on XXXX, we were informed that we would need to reimburse these overpayments to Ditech and they were forcing us to maintain an escrow account with Ditech. From our own research, we have determined that one of the overpayments to one of the taxing authorities will be reimbursed to us and therefore we reimbursed Ditech for one of its overpayments for these XXXX supplemental taxes. However, the other taxing authority has stated that Ditech will have to apply for a refund of its XXXX supplemental tax overpayment ( Attached Documentation ). We have submitted the refund payment we received to Ditech along with a letter, attached, explaining the payment and the need for Ditech to apply for the refund of Ditech 's overpayment. In addition, we have explained in the letter that all property tax payments and insurance coverage/payments will be maintained by us with no escrow account. 

Ditech is forcing us to pay for an unauthorized overpayment they made to a taxing authority and forcing us to pay into an escrow account that we have not agreed. Can you help us stop Ditech from forcing us to make these unauthorized tax and escrow payments?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation