BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-13
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Summary : Calls to my loan service provider ( Aidvantage ) consistently hang up in the middle of the conversation, with no callback service provided. 

Details : My loan service provider is Aidvantage. The typical hold time to speak to a representative is upwards of 1hr. Nearly every time I have gotten through to speak with a representative, the call will drop on Aidvantage 's end as I am in the middle of conversing with the representative. I would estimate that this happens on approximately 80 % of calls to Aidvantage, in my experience. 

Because I have grown accustom to expecting the call to drop, I had requested at the beginning of my calls that Aidvantage call me back directly if the call drops. However, Aidvantage representatives told me that Aidvantage does not do any callbacks. So, to get a complete answer to my question, I have to call the customer service number again and wait on hold all over again, often just for the call to drop a second time once I get through to a representative. 

The practical consequence of this means that my typical experience with Aidvantage is as follows : I will have to wait on an extensive hold, generally for over an hour, each time I want to speak to a representative. Once I get off hold, I will begin explaining my issue to the representative. As the representative is in the middle of her explanation, the phone call will hang up. After hanging up, I will receive no callback or follow-up email from Aidvantage. Assuming my question had not been answered, I will then have to start from the beginning, calling the customer service line and waiting on hold to get a representative. During the second call, I will have to rush to explain my situation and where the previous representative had left off. If I request that the second representative jot my number down since the calls consistently drop, the representative will tell me that it's against Aidvantage 's policy to perform callbacks. I then have to hope that the call does not drop a second time ( or third, or fourth, as the case may be ) before my question is answered. 

Aidvantage needs to be held accountable to correct its faulty phone lines and unacceptable " no callback '' policy. Its current policy has wasted countless hours of my time. And based on a cursory XXXX search, it appears that many others have had this experience as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
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:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 purpose.

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 2022-12-23
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( 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. 
The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 2. there is some inaccurate information reporting. 
XXXX XXXX  Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA 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 2022-12-23
Company: Experian Information Solutions 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: Other problem getting your report or credit score

Complaint:
So Im having the same issue. Experience says that in their system they see no freeze. No fraud alert. Well I applied again and they said they didnt see any credit at all. Unable to see my credit report. This is terrible. Its been XXXX months since I reached out about my address missing. 
I received an email my address was updated only To see that it was incorrect still. My dl says XXXX XXXX XXXX apt XXXX XXXX tx XXXX Experian updated it to XXXX. I dont know how when my dl says XXXX as well as my utility bill. 

I need the address fixed and I need for lenders to see my Report. Something is wrong in XXXX system if they see no freeze but lenders do

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 2018-08-17
Company: The Outsource Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received ( 4 ) four bills from XXXX , IXXXX XXXX XXXX XXXX XXXX , MO XXXX XXXX. For charges that I have no knowledge of. 
Bill 1. consumer # XXXX client reference # XXXX Amount {$30.00} Bill 2. account # XXXX consumer # XXXX Amount {$290.00} Bill 3. account # XXXX consumer # XXXX Amount {$180.00} Bill 4. account # XXXX consumer # XXXX Amount {$160.00} with the total of {$670.00} that is been reported to the three credit bureaus. I called XXXX AND TOLD THEM THAT I DID NOT HAVE THESE BILLS. I DID NOT KNOW WHO MADE THESE CHARGES. I ASK THEM TO STOP REPORTING TO THE CREDIT BUREAUS ON MY SOCIAL SECURITY. I ASKED THEM TO REMOVE IT FROM MY CREDIT REPORT THEY REFUSED. THEY SAID IT WILL STAY ON MY CREDIT REPORT UNTIL I PAY. PLEASE ASK THEM TO REMOVE THE FOUR CHARGES FROM MY CREDIT REPORT. I HAVE CALLED THEM MORE THEN 10 TIMES. THEY STILL REFUSED TO REMOVE IT FROM MY CREDIT REPORT. I FILED 4 DISPUTE WITH THE 3 CREDIT BUREAUS THEY ALSO REFUSE TO REMOVE IT FROM MY CREDIT REPORT. I HOPE YOU CAN HELP RESOLVE THIS ISSUE.

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 2018-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
a check for a co pay of XXXX.. was sent to hospital on XX/XX/XXXX and check was processed for payment to hospital onXX/XX/XXXX. the hospital sold this account to a collection agency and there for caused us to have to deal with this agency unnecessarily. XX/XX/XXXX a mailer was dated and sent to us as a notice of debt. we contacted the collection agency and told them there was a discrepancy because this account had been paid onXX/XX/XXXX.they had ask for a copy of the check with the patient number on it which we faxed to them onXX/XX/XXXX.they have ignored our attempts to settle this matter and have continued to try and collect on a bill that was paid. they have since used an affiliate to try and use other tactics to try and collect monies since not responding to there demands of payment they have put us into the credit bureau, which was totally unwarranted. we have contacted the credit bureau and disputed it and sent the copy of the cashed check from the hospital that they ask for, that was cashed on XX/XX/XXXXand have not been able to have this removed and that's the need for help.

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 2021-06-28
Company: Tribal Lending Enterprise, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX/XXXX filed dispute of loan XXXXpolice report signed by local XXXX and sent to company No communication XX/XX/XXXX turned over to true accord collections XX/XX/XXXX noticed collection company this was already disputed sent in the required information to the company they sent it back to golden valley No communication XX/XX/XXXX received email regarding the collection resubmitted all of the information and XXXX XXXX collection sent it back to Golden Valley XXXX XXXX received email from Golden Valley that all the docs I had sent over the year needs to be notarized emailed company back with questions no response XX/XX/XXXX received notice of collection with True Accord disputed again

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 2023-08-11
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: Account information incorrect

Complaint:
Navy Federal has been in constant violation of the FCRA. They have reported a credit card account to my credit report that is a result of fraud and I claim no responsibility to. Not only that but they have maliciously and intentionally been reporting incorrect data. After being made aware of the account I requested it be closed in XXXX. Navy Federal has been maliciously defaming me and my credit by reporting data thats is not correct they have reported data as 30 days, 30 days, 30, days, 60 days and 90 days. Which is incorrect reporting. Navy Federal has failed to send debt validation as well. All credit bureaus are aware of these violations.

Reporting Act ( " FCRA '' ), 15 U.S.C. 1681, et seq., or for violations of the California Consumer Credit Reporting Agencies Act ( " CCRAA : ), XXXX. XXXX. Code XXXX, et seq.

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 2022-12-23
Company: EQUIFAX, INC.
State: TN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the pe
rson knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Since XXXX I have sent multiple requests via email to XXXX and via mail to TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX regading fraudulent reporting of my name. 

They still will not update this erroneous information. 

On XX/XX/XXXX at XXXX I called Transunion at XXXX & spoke to XXXX who advised that she could not update my personal information to remove fraudulent info because the system was down

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 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
l was in the process of applying for new employment and it was brought to my attention that there is some inaccurate Information reporting on my credit reporLl received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681 :! section 603 ( k ) ( b ) ( ll ) can be considered an adverse action.

Theretore lwant the following accounts to be updated to the correct amount, date, status, open and closed date. last date of activity and time. 
If you can not complete this request. please delete the accounts Immediately. l have provided an exhlblt of evidence showlng the Inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account 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 XXXXXXXX

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 2020-03-11
Company: AMERISAVE MORTGAGE CORPORATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was working with Amerisave Mortgage and XXXX XXXX on a mortgage. I was quoted one price and at the last minute raised XXXX a month. The agent had no idea nor informed me of the change. He was cashing me out and put XXXX in escrow or so he said. Plus they were charging me XXXX in closing cost which is ridiculous. I was told I would get the money back on the apprasial which apparently I will not. I'm not saying this is illegal ; however, it was clearly misleading with the phone conversations. If you review the phone records that they use for training purposes you will see what I mean. I believe the company was looking to rip me off.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-22
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX Chase bank placed a HOLD on checking account funds in the amount of {$920.00}. They can give no explanation why. They can't tell me specifically who requested the hold or who at the bank entered the hold ... only the supposed comments which various departments there are disputing the reason for the hold. The HOLD is in effect until XX/XX/XXXX, which I'm told is simply unheard of, cuz, c'mon ... we'll all be dead by then. We have zero documentation to provide for this amount. It just randomly showed up on XX/XX/XXXX as a hold on the account and we can't go under the {$920.00} amount or it causes the account to overdraw. 

Over the past 2 years I've inquired in person at the local bank branch multiple times starting when my elderly mom added me to this account to assist her. It's a total pass the buck and instructed to " call this XXXX # '' dealing with them. I've inquired via online meetings but after several meetings, the representative assisting dropped off the face of the earth unable to resolve it within their organization. I've inquired by multiple phone calls. Today, XX/XX/XXXX, I spoke with personnel in the following departments : Customer Service. HOLD Dept. Decedent Dept. Each one tells me something different and literally passed me back and forth between those departments for 2 hours ending with claims that a supervisor or specialist getting back with me. Usually they just disconnect me so at least is was a successful series of denials of responsibility this go around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent request to all 3 credit bureaus to correct my legal name and and remove all the other names and other address but my present address on my credit report and they have not responded. I have also filed request regarding the Fair Credit reporting act for accounts to be removed from my credit report and for payments to not reflect negative due to the covid 19 period. I am attaching all my documentation supporting my request that was sent to XXXX, TransUnion and XXXX. 

I would like to thank you in advance for your time and assistance with this matter.

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 2022-12-23
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 belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX, to remove : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX Bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Discharged Reference # : XXXX Date Filed/Reported : XX/XX/XXXX that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,

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 2021-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX I opened an account with Capital One Platinum, The Deposit was {$200.00} as was the Credit Line. 

In XXXX I experienced financial Hardship due to Covid-19 Pandemic ( No fault of My Own ) I followed the requirements of the Cares act & I sought relief from Capital One Due to the Pandemic.

I was enrolled into their Covid-19 protection plan to which I would not receive any derogatory marks on my credit, however the account may accrue interest.

Unfortunately Capital One did not follow the Guidelines set fourth by the Cares Act & closed my account without my consent or knowledge and reported late payments and a charge off.

" The Cares Act requires lenders to report to credit bureaus that consumers are current on their loans if consumers have sought relief from their lenders due to the pandemic. The Bureaus statement informs lenders they must comply with the CARES Act. The Bureaus statement also encourages lenders to continue to voluntarily provide payment relief to consumers and to report accurate information to credit bureaus relating to this relief. '' Because of this I have had inaccurate and misleading information published on my credit report & it has damaged my process to purchase a house and effects my very livelihood.

I have reached out to Capital One Numerous times to rectify the situation and have been treated with rudeness and unwillingness to come to any resolution. I feel that Capital One and other predatory Credit Lenders should be held to the highest of compliance and responsibility when it comes to following the Law.

Company response to consumer: Closed with explanation