BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-15
Company: LEXISNEXIS
State: NJ
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:
I am both confused and furious by what the credit reporting agencies are showing on my credit report. I recently wanted to check on my information to make sure there wasn't anything inaccurate and see that a bankruptcy from 2017 is reporting. I immediately contacted my attorney who told me originally bankruptcy and any account associated with it can not be shown on my credit report and to contact the court. I then went down to the US District Court in XXXX, NJ and asked for documentation that they send to the credit bureaus without my consent. The young lady was very professional and told me they get these questions XXXX of times a month but they do not supply information to any credit bureaus because it's a violation of the privacy act and that's all she could tell me. I am ready to have my attorney file suit because this is ridiculous. I have not given LExis Nexis or any of their business affiliated permission to report ANY private information and demand it be removed in the next 30 days. I don't understand how any company has the audacity to violate a law abiding citizen 's rights. If this can't be resolved timely I will move forward with filing suit in my local federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: EQUIFAX, INC.
State: AL
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 XXXX, XXXX ( Bank ) XX/XX/202, XXXX XXXX ( Bank ) XX/XX/2021, XXXX  ( Bank ) XX/XX/2021, XXXX ( Bank ) XX/XX/2021 XXXX XXXX  ( Auto ) XX/XX/2021 XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/20XXXX XXXX XXXX ( Bank ) XX/XX/20XXXX XXXX XXXX ( Finance ) XX/XX/202 XXXX XXXX XXXX  ( Finance ) XX/XX/20XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/2021 XXXX XXXX  ( Auto ) XX/XX/2021 XXXX XXXXXXXX ( Finance ) XX/XX/2021 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND
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:
This hard inquire on my credit report are not mine and need to be taken off of my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Capio Partners, LLC
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 Account # Beginning in 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: Maximus Education, LLC dba Aidvantage
State: KS
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:
XXXX : After I called Aidvantage on XX/XX/XXXX about entering in an XXXX plan, they approved me into the XXXX  program using incorrect income information with a monthly payment of {$400.00}. As soon as I saw this document from them, I reached out again on XX/XX/XXXX about reducing my monthly payment. For reference, my XXXX XXXX was approximately $ XXXX, so there was no way I should be paying that much on a monthly basis. 

XXXX : I received a document from Aidvantage stating there was a change in my loan terms. The new monthly payment became {$300.00}. 

XXXX : I received another document from Aidvantage saying they automatically converted me to the XXXX plan. 

XXXX : I called Aidvantage many times about getting my monthly payment calculated correctly. I used the Studentaid.gov website to calculate my payment using the correct IRS info, and it should only be around $ XXXX. After several unhelpful representatives brushed me off, I finally found someone who confirmed that I should be paying that amount. He assured me that he would get this changed on their side. 

XXXX : 3 weeks later I received 2 documents from Aidvantage. The first one stated that " it's too soon to process your XXXX  recertification '' and that they were unable to process my recertification request. The second document is a monthly statement from XXXX with the incorrect payment amount of {$300.00} to be paid by XX/XX/XXXX. 

I plan on reaching out again, but I've been trying to get this settled since XXXX with many phone calls that were either disconnected mid-conversation or left uncertain. I shouldn't have to pay {$130.00} more per month just because Aidvantage is incorrectly managing my loan repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Credit Systems International, 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 Account # Beginning in 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: PNC Bank N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was quite surprised on XX/XX/2023 in paying my first PNC Core account statement ending in XXXX online through PNC 's portal, it advised my payment may not be processed for up to three days. The due date was the same day, XX/XX/2023. 

I can transfer funds through any one of my six PNC accounts with the transfer happening instantly. Why not here? I had no notification of such a delay with an internal PNC credit card payment. 

My first payment was due XX/XX/XXXX. I made that payment before XXXXXXXX XXXX on XX/XX/XXXX. Per the slow posting time stated on XX/XX/XXXX at XXXXXXXX XXXX EST I made a call to customer service at XXXX and PER MY REQUEST I WAS ASSURED NO LATE FEES OR LATE CHARGES WOULD BE APPLIED. 

Per a USPS letter from me to PNC on XX/XX/XXXX, I required that the {$27.00} late fee and {$1.00} minimum interest charge be reversed. 

Per PNC 's USPS letter to me on XX/XX/XXXX, PNC indicated the payment was not received on the due date and the late fee and finance charge were correctly assessed to my account. 

I completely object to this conclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Experian Information Solutions Inc.
State: TX
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 submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX  XXXX Date opened : XX/XX/XXXX XXXX  : {$1300.00} XXXX  XXXX Date opened : XXXX XXXX, XXXX XXXX  : {$310.00} XXXX  XXXX Date opened : XX/XX/XXXX XXXX  : {$1400.00} XXXX XXXX  XXXX Date opened : XXXX XXXX, XXXX XXXX  : -.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account status incorrect

Complaint:
XX/XX/XXXX To Whom It May Concern My name is XXXX XXXX. I am writing concerning the account placed on my credit file by Portfolio Recovery. I have fought vigorously in XXXX for this account to be removed from my credit file. Today, I called the county court here in XXXX XXXX  to inquiry about the pending active suit against me filed by Portfolio Recovery several years ago via their law firm, XXXX XXXX XXXX. The case number is XXXX. I spoke with clerk XXXX XXXX and she state that Portfolio Recovery sent notice in XXXX of XXXX of a non-suit and order dismissing all claims against me with prejudice. But the law firm failed to attach the order for the court to actually dismiss the case. XXXX XXXX has reached out to the law firm many times to send the order to no avail. Meanwhile, the account is still reporting active and passed due on my credit file as it has done for years. I recently was denied a home loan due to this debt and denied credit with XXXX XXXX. Please send order to court to dismiss case and to all credit reporting agencies to remove from my credit file. Attached proof of documentation from court concerning Portfolio Recovery and XXXX XXXX. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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:
To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some late payments posted on my credit report XXXX XXXX XXXX XXXX XXXX XXXX  Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above late payments to the referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I inadvertently scheduled XXXX full balance payments, XXXX for XX/XX/XXXX, and another for XX/XX/2023 to Bank of America credit card. This resulted in a negative balance on my credit card. Then I received an email from BOA on XX/XX/XXXX to ask if Id made a mistake and to call if I had, I called the number emailed to me. This was the first of XXXX phone calls over the course of the next week. 
XXXX payment was given back to my checking account however BOA also added/applied this ACH refund back to my credit card balance as well. I called my bank, XXXX XXXX Bank, XXXX, and asked if XXXX of my payments went through. They confirmed XXXX payment of {$1400.00} was paid and therefore resulted in an XXXX  charge against my checking. My bank forgave this charge and also confirmed that a transfer of {$1400.00} was made and deducted from my account. Bank of America says it was returned unpaid. I went to my bank and they supplied me with a letter of Checks paid against insufficient funds along with my checking account statement that does indeed show that XXXX of my payments was taken from my checking account and paid. 
I have spoken with many customer service representatives from BOA to ask the to see that my account has XXXX payments but also XXXX charges for {$1400.00}, showing no payment at all. They tell me it was returned unpaid. 
I have documentation of both the deducted payment from my checking and from my BOA credit card showing no reduction in my balance.

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 2023-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a room at the XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX to be present at a comedy/music festival and made payment for XX/XX/XXXX thru XXXX. Payment plan began XX/XX/XXXX. The merchant never had a valid contract with the hotel to sell the rooms. The merchant sent our notification saying they were canceling due to the dispute with the hotel and the contract. The merchant sold me a service/product I never received. I called to dispute the charge several times with capital one. The merchant provides a fraudulent cancellation policy etc to avoid responsibility. The merchant is now in bankruptcy court ; however, I disputed the charge with Capital One before the filing. Capital one will never call me back. They would not provide contact information to the office if the president. On XXXX was charged {$350.00} On XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I was charged {$290.00} plus interest. 

I was refunded for XX/XX/XXXX {$350.00}, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Based on conversation charges from XX/XX/XXXX & XX/XX/XXXX were processed by a back office and the merchant agreed to refund me the fee XX/XX/XXXX. 

I have called and faxed documents over XXXX time in the past few months while trying to deal with the passing of mother. Capital One said the borrower responded so I can not dispute with them longer ; however, the merchant has committed fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital One was not able to give me specific dollar amounts on payments for each transaction type nor are the payments for each transaction type listed on the credit card statement.. 

They would only refer to the procedure of how payments are applied. 
According to Capital Ones procedures, the minimum payment is applied toward the balance with the lowest APR ( 0 % ) and any remaining amount is applied toward the balance with the highest APR. The statements does not show the amounts on the statement. There must be a violation of the Truth in Lending Act. 

I am unable to see where my payments are being applied when there are different types of transactions listed on the credit card statement. 

1. Capital One credit card statements does not show the True balance for the transaction type special transaction ( 0 % on use of access checks ). When a payment is applied toward special transaction type, the statement does not show what the balance ( s ) is. See statements dated XX/XX/XXXX thru XX/XX/XXXX. 

2. Capital One credit card statements does not show the amounts applied to each transaction type. There is no line item showing the amounts applied toward the purchase type transaction balance nor the special transaction type balance ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-05-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a money market account at BMO harris in XX/XX/XXXX. I funded the account via wire of {$380000.00}. Several days later I opened a 60 month CD at BMO Harris and funded it from the BMO Harris money market account. They took the money out of the money market account on XX/XX/XXXX but did not give me credit for the CD deposit until XX/XX/XXXX. 

I called and asked that they address this but they refused to do so.

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 2023-05-13
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:
Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX XXXX Balance : {$4200.00}, XXXX  XXXX XXXX Balance : {$29000.00}

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 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
I have assumed a debt and I want the updated information posted to my credit file. 

Information, and proof of ownership is attached.

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 2023-05-09
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I kept getting overdrafts for no reason, so I would have to transfer money to my checking account from a XXXX or XXXX. I didnt want the account to get another overdraft fee of {$35.00} extra if I didnt have money in my account on time.

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