BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
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 previously applied for autopay and now loan XXXX is REMOVED from autopay and I had to REAPPLY on XXXX, see original response from Aidvantage that confirmed all loans were in autopay : Per your request, we have reviewed your account and confirmed your initial Auto Pay application from XX/XX/2023 was processed on loan XXXX only, which was in its own billing group, and not on the remaining loans. On XX/XX/2023 you called and spoke with an agent after submitting a second request to be enrolled in Auto Pay. The agent confirmed your Auto Pay was due to be processed prior to your first monthly payment due date on XX/XX/2023. We have confirmed that all your loans were enrolled in Auto Pay on XX/XX/2023. We have updated the 0.25 percent interest rate reduction incentive to be effective XX/XX/2023, the date the original application was processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In accordance with the Fair Credit Reporting Act. Teh bankruptcy reporting has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate the bankruptcy they are reporting .However, they stated everything was complete and accurate. But how is that possible if I have a letter from the courts stating they didn't report my information.I also have attached a letter from XXXX XXXX stating the removed the bankruptcy because they couldn't verify the bankruptcy. I have also attached the letter from XXXX transunion and XXXX stating they verified the bankruptcy ( which they are lying and breaking the law ) According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-01-23
Company: Atlantic Recovery Solutions LLC
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Contacted by XXXX from Atlantic Recovery Solutions on XX/XX/XXXX & XXXX at my workplace before XXXX XXXX. Told they will be verifying my employment, assets and property if I don't get the debt resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: NAVY FEDERAL CREDIT UNION
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I ordered a I phone on XX/XX/XXXX from XXXX. I had it sent to my niece, XXXX house. She received a 3oz package and not the XXXX! She contacted the XXXX, XXXX  Post Office asking where the XXXX was! What was sent was a 3oz package in it was a pen not my XXXX XXXX. My niece sent it back. She contacted the post office talked to XXXX, the Post master and XXXX told her it was a 3oz package that was sent and to contact the merchant on XXXX XXXX. ( I included a copy of the voicemail from Post office ). When I told XXXX they said to contact my bank Navy Federal Credit Union.The merchant cant be found.I contacted Navy Federal Credit Union. I told them I was scammed and never received the XXXX XXXX I ordered. I demanded Navy Federal give my {$750.00} debt back but they wouldnt they said the package was delivered. What was delivered was not what I ordered and they should give my money back! I shouldnt be charged for something I never ordered or recieved its merchant abuse! Im XXXX  and was taken advantage of by XXXX and my bank!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: In progress
Consumer complaint received 2023-08-30
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2023 I applied and gave NAVY FEDERAL CREDIT UNION an application. 

I, the consumer Was denied credit by NAVY FEDERAL CREDIT UNION when I applied for an auto loan. 

On XX/XX/2023 for used vehicle of the amount of {$70000.00} which the vehicle is now {$65000.00} that I need to earn a living and provide for my XXXX kids. Thats also why I wanted a nice reliable vehicle with room for my XXXX kids. 

I was not given equal credit opportunity. So if someone with a better credit report or standard gets approved and I didnt that is discrimination thats not equal credit opportunity. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 

They are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by NAVY FEDERAL CREDIT UNION due to the response I received. 

NAVY FEDERAL CREDIT UNION is in violation of 15 U.S. code 1642. U.S.C 1681m and 12 CFR 1002 because I, the consumer Made an application in good faith. But credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of NAVY FEDERAL CREDIT UNION And damages have been done such as to my consumer report, Mental anguish to myself and my kids, I can not go to point A to B to earn a living and have hindered me to be able to go to store to provide for my babies. 

Regulation B protects applicants from discrimination in any aspect of a credit transaction. 

Credit transactions and aspects of credit transactions include : Consumer credit Business credit Mortgage loans Refinancing Open-end credit Credit applications Standards of creditworthiness Denial of credit Servicing and collection Revocation, alteration, or termination of credit The regulation covers topics such as : Discrimination Discouragement Notification of action taken ( including adverse action ) Appraisal and other written valuations Special purpose credit programs Limitation on collection certain protected information Self-testing and self-correction Evaluation of applications Signature requirements Mandatory information collection for monitoring purposes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My wife made a transfer in my personal account like we have done in the past usually it take only a few mins to go threw. they placed a 3 day hold on my money which was my pay check causing fanatical harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-08-25
Company: Experian Information Solutions Inc.
State: TX
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:
I found a student loan on my credit report. I am XXXX XXXX XXXX and I have not ever had a student loan in my life. I disputed it and they still say it is mine.

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 2023-11-14
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-08-25
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: CA
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:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hello, please see documents attached for more details. I hope you can help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Experian are reporting incorrect information about this XXXX account after supposed investigating this account because of a dispute I submitted back in XXXX. It is now the end of XXXX, that vehicle has been sold by the finance company and XXXX just recently tried to reopen on my credit report as a new vehicle loan. Both of these Credit Bureaus are doing whatever they want and NOT operating in the best interest of the consumer. 

Remove this XXXX XXXX account from my credit report immediately as it is completely incorrect based on 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. It is a financial institution that has been improperly reported to the credit bureau without my consent. There was no disclosure offered to me where I gave my permission for my information to be shared with anyone. No third party should have access to my personal information yet they do. This is a violation.

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 2021-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Several transactions occurred in XXXX on my account. I spoke to XXXX in the Missouri claims department. I was told a new card can not be issued because due to the fraud my account is in the negative. Its takes 10 days to receive a credit and I need to call back a fourth time to dispute the transaction still pending even though I have already advised they are not mine and then call back a fifth time to be issued a new card whenever there are funds on my card. The security on this card is absolutely ridiculous. This is the forth time they have allowed someone in another country to make numerous transactions back to back. I do not want my funds deposited into this unsecure, unhelpful Bank of America account any longer! Just give me all my money and close this 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 monetary relief
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: MO
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:
I am writing to formally lodge a complaint regarding the numerous and unsuccessful attempts I have made to remove inaccurate items from my credit report. These inaccuracies are detrimental to my financial standing, and I am seeking your immediate assistance in resolving this matter. I discovered that my credit report issued by XXXX Credit Bureaus contained multiple inaccurate addresses and fraudulent inquiries that do not belong to me. These inaccuracies not only affect my credit score but also pose a risk to my personal information and financial security. Despite my persistent efforts to have these issues corrected, they have not been resolved. I kindly request that you take the following actions to address this issue : Conduct a thorough investigation into the inaccurate addresses and remove them from my credit report. Investigate the origin of the fraudulent inquiries and remove them from my credit report if they are found to be unauthorized or fraudulent. Provide me with written confirmation once the inaccurate addresses have been removed, and the fraudulent inquiries have been rectified on my credit report. Ensure that no further negative impacts occur on my credit report due to these inaccuracies. I understand that the accuracy of my credit report is crucial to my financial well-being and security. I trust that XXXX Credit Bureaus takes these matters seriously and will work diligently to rectify this situation promptly. Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. If these issues are not resolved to my satisfaction within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities. I hope for a swift and satisfactory resolution to this matter. I appreciate your immediate attention to this issue and thank you for your prompt action in this matter. Please assist me to remove the following inaccurate addresses and fraud inquiries in my credit file : 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 explanation
Consumer complaint received 2019-11-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Its not fair they way hsbc is treating my credit card application I apllied on weekend I call them to see the status I have a fraud alert they transfer me to Security since they said they must speak with me To confirm my identity when I speak to them they refuse to process my application and tell me they have others in front of me this is not nice

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: PA
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 non-monetary relief
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent 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 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 2023-12-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/2023 Transactions via XXXX in my savings accounts XXXX {$2.00} {$3.00} {$4.00} $ I call my back regarding fraud via XXXX, I report the lady that scam me. My bank coudnt help me they closed the the dispute or the claim. I give them all the information regarding what happen. And they didnt 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