BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-20
Company: Maximus Education, LLC dba Aidvantage
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 status incorrect

Complaint:
I received financial aid through the form of title 4 grants. I withdrew from my classes and was requested to return the financial aid. I contacted my schools financial aid offices and they advised me everything was in good standing and that the repayment would be taken care of with the following semesters disbursement of funds. They then referred my overpayment to the Dept. of Ed for repayment, there was no mention of this prior, there was also no mention of it becoming a collection/derogatory mark on my credit report. I don't believe my school notified or educated its students properly when dealing with these matters. I never received any communications by phone or by mail, they were only sent through the schools email. I believe with the severity of this incident the school should have done more to notify me, the student, of this situation and how to rectify it prior to completely damaging my credit. I believe there was negligence among employees and administration when handling these matters, there need to be more protocols in place. A school is supposed to be somewhere for people to learn and grow but in this teachable experience, all that happened was the laziness of the staff in terms of notifying me and the complete lack of care when it came to my future regarding my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Subject : Request for Immediate Access to My Free Annual Credit Report - Asserting My Rights under FCRA Dear TransUnion, I am writing to express my dissatisfaction regarding the ongoing dispute that I have with your company. While I understand that there may be unresolved issues, I would like to remind you of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, I have the right to access my free annual credit report at any time, regardless of whether there is an active dispute in progress. This right is fundamental to my ability to monitor and manage my credit profile effectively. Denying me this access is a violation of my rights as a consumer, and it is both disappointing and unacceptable. 

I urge you to rectify this situation promptly by providing me with immediate access to my free annual credit report. Furthermore, I request that you review and familiarize yourselves with the provisions outlined in the FCRA to ensure compliance moving forward. 

Please consider this communication as a formal request and a reminder of my rights under the FCRA. I expect a timely and satisfactory resolution to this matter. Failure to do so may result in further action being taken to protect my consumer rights. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, 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:
There is a FRAUDULENT item ( XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Paypal Holdings, Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I have recently sold a used phone on a platform on XXXX XXXX XXXX XXXX  on XX/XX/2023. The total amount was {$1000.00} due to me via PayPal. 

PayPal flagged my entire account on XX/XX/2023, saying that it required " more information about my business ''. They have asked me to upload a copy of my id, where I get my " stock '' from with receipts, where I store my " stock '', and how my business works. I have promptly sent in all the documents by XX/XX/2023. I have also included the shipping information for the item, as requested. 

On XX/XX/2023, just within XXXX hours, they have decided that my account was in violation of their terms and services, without any explanation on why that is or any proof that I have violated any of their listed banned activities. 

I have tried emailing them through multiple email address, tried calling them, and tried using their own website to " resolve '' this issue, but it seems as though they want to keep my money for 180 days or longer, if ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions Inc.
State: NY
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2018-10-23
Company: Financial Recovery Services, Inc.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received phone call about this debt in XX/XX/2018, I told them I did not know anything about this debt. then I received a letter week later .I called their phone number no response I believe this to be nothing but harassment. I do not have any account with XXXX XXXX and no account with them. a year ago hey sent a chair to my door that I did not order I never accepted the box as I never ordered anything I called XXXX XXXX who I thought may have sent it they said they did not, the box remained outside of my apartment door and the next morning it was gone I called my resident managers office to find out why they allowed XXXX to put the box at my door and they said they were never notified that I had a box or package. 
In their letter they want me to write them and I don't know why I should take time to write them if they will not answer their phone.this XXXX XXXX is a fraud operation trying to steal money from people like me through trickery and deceitful methods

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Credit 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:
On XX/XX/2023, I, the consumer, sent to Navy Federal a billing error notice under 12 CFR 1026.13 disputing the entire amount of alleged credit card debt and to request all documentary evidence related to my account. They responded on XX/XX/2023 stating that they can assure that the debt is valid without conducting any reasonable investigation nor producing any documents they are required to provide following a billing error dispute along with three of my most recent statements, credit card agreement, and my initial billing notice error attached via USPS mail. I responded on XX/XX/2023 stating that I further dispute any alleged debt that has been deemed valid without any proper investigations done. They then responded on XX/XX/2023 stating that there are unable to identify an open Credit Card Dispute. It has not been 90 days since notice has been sent and by Navy Federal completely disregarding the consumer 's wishes and concerns is in direct violation of TILA and Regulation Z by failing to comply with requirements for creditors during billing error resolutions. Navy Federal also continues to collect on at least the minimum payment due even though the entire amount is in dispute, which means they are prohibited from collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My Bankrupcty was discharged on XXXX creditors failed to update report with the correct information as accounts being in XXXX XXXX discharge thru XXXX. I have asked over and over again for the Credit bureau to fix this issue send information from the courts and a list of creditors. Still nothing. 

Ref # 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 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting a fraudulent inquires in my credit 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 2023-10-15
Company: DISCOVER BANK
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
DISCOVER BANK DATE OPENED BALANCE {$2500.00} XX/XX/XXXX DISPUTED WITH CREDIT BUREAUS, DISCOVER BANK DATE OPENED XX/XX/XXXX bALANCE {$4400.00}, MISSIONLNTAB DATE OPENED XX/XX/XXXX CREDIT LIMIT {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: CL Holdings LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is another company stating I owe XXXX and I already disputed the XXXX one. I dont understand how I could owe them twice to two different collection agencies. I want this off of my credit please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account is reporting as a collection on my report despite not having any historical data at all. This is inaccurate reporting. It is clear and evident that this account was just plopped on my account by TransUnion.

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 2023-12-16
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: Trouble with how payments are being handled

Complaint:
I have attempted to make two different payments on my student loans. One on XX/XX/2023 for the value of {$6000.00} and the payment was reversed after a week. It was originally posted to the account and then returned. The same thing happened on XX/XX/2023 when I attempted to make another payment on my loans for the value of {$13000.00}. My account number and routing number of my bank is correct. My loan servicer is Aidvantage. I sent them a request to fix the problem but I have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: NE
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-12-05
Company: EQUIFAX, INC.
State: NE
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I requested a transfer of {$2800.00} to Truist Bank checking from a verified external XXXX XXXX XXXX account owned and named by myself at XXXX XXXX on XX/XX/23 and received electronic confirmation with time stamp. I was informed that the money would be in my account in 3 business days. XXXX XXXX XXXX  sent the {$2800.00} on Thursday XX/XX/23. I spoke with a Truist representative at XXXXXXXX XXXX  and XXXX XXXX on Friday XX/XX/23 and was told that the request was still processing and should be in my account by close of business. The transfer was not made as specified on Friday and did not post during the weekend.

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 2022-12-28
Company: Atlanticus Services Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My original account was paid off with no balance charges remaining They closed my account, and reopened a new account in my name. There has been a card issued to someone and I be o not have access to the card. There has been new and recent charges on the account since then.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXXXXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XX/XX/2022.

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 2022-10-24
Company: BAM Management US Holdings Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello. I had BinanceUS account for transferring using and trading money since XXXX. Suddenly on XX/XX/XXXX after I received {$16000.00} in XXXX XXXX deactivated my account without any reason. In that time I already had {$3000.00} in my account plus I have received XXXX equal to {$16000.00}. I have tried contacting with them. Created tickets waited for their response after 6months waiting, they send me email ( Upon completing a review of your Binance.US account, we regret to inform you that we will no longer allow you to use the Binance.US platform. Unfortunately, we can not elaborate further. ) They didn't say why account was deactivated at the first place? Why account closed? AND NOTHING ABOUT RETURNING MY ASSETS MY MONEY BACK. All I want is my money back from them. Please help me out to solve this issue. I would highly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently looked at my consumer report and was very upset to see items that are a result of identity theft. I did not provide written authorization or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX, XXXX and TransUnion have been reporting inaccurate information regarding a Bankruptcy on my credit report. When I contact the agencies regarding this issue they keep responding with " verified '' by XXXX and Bankruptcy Courts. I contacted XXXX and the Bankruptcy courts and they reported that they did not verify any information in which I have the letters to prove it. I also sent the letters to all credit bureaus and they keep stating that it was verified by these agencies even with the proof in front of them. I want this information deleted from my credit report because it does not comply with FCRA 611 to report inaccurate information. I have attached the documentation from all agencies so you can see that they are giving false information as to how they are verifying the information.

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 2022-04-19
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I spoke with a representative of this company and I was promised that the inquiries made from 2021 would be removed from my credit reports This company never honored their promise to remove the inquiries that their representatives made to me on their behalf.

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 2022-12-28
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX, Experian and XXXX have been reporting inaccurate information regarding a Bankruptcy on my credit report. When I contact the agencies regarding this issue they keep responding with " verified '' by XXXX and Bankruptcy Courts. I contacted XXXX and the Bankruptcy courts and they reported that they did not verify any information in which I have the letters to prove it. I also sent the letters to all credit bureaus and they keep stating that it was verified by these agencies even with the proof in front of them. I want this information deleted from my credit report because it does not comply with FCRA 611 to report inaccurate information. I have attached the documentation from all agencies so you can see that they are giving false information as to how they are verifying the information.

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