BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account name : # XXXX Account name : # XXXX Account name : # XXXX 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 an 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.

U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting 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 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
1 ) In accordance with the fair credit reporting act XXXX XXXX # XXXX has violated my rights 15-U.S.C.1681 Section 602A, States I have the right to privacy. 
15 U.S.C. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions. 
2 ) In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15-U.S.C.1681 Section 602A, States I have the right to privacy. 
15 U.S.C. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions. 
3 ) In accordance with the fair credit reporting act XXXX  XXXX XXXX # XXXXhas violated my rights 15-U.S.C.1681 Section 602A, States I have the right to privacy. 
15 U.S.C. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions. 
4 ) In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX has violated my rights 15XXXXU.S.C.1681 Section 602A, States I have the right to privacy. 
15 U.S.C. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions. 
5 ) In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX has violated my rights 15-U.S.C.1681 Section 602A, States I have the right to privacy. 
15 U.S.C. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions. 
6 ) In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX has violated my rights 15-U.S.C.1681 Section 602A, States I have the right to privacy. 
15 U.S.C. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
SENT THESE ATTACHMENTS VIA MAIL ON XX/XX/XXXX. I WAITED THE 30 DAY REQUIRE TO RECEIVE THE RESULTS, BUT I GOT NO REPLY. I WANT TO FILE A COMPLAINT. I am attaching the documents as stated by law to have items removed off my credit report that were a result of identity theft. My information was exposed in the Equifax breach, on which I've learned happened multiple times from XXXX, but wasn't made public until the final breach. My information was also one of several South Carolina residents whose personal tax information was leaked in XXXX. Im taking the necessary precautions and steps to fix all the damage that was done, and prevent any further harm. PLEASE SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I sent correspondence to the company on XX/XX/XXXX to revoke ACH transactions and cease communication including any friends, relatives, employers, references, and so forth. Basically ceasing communication period. However I did allow email contact for the purposes of confirmation and setting up a payment plan as I am struggling to pay currently. I received a call on XX/XX/XXXX that they had called one of my references to get my contact information which they already have despite notification of ceasing communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax XXXX and XXXX and XXXX XXXX. people gas light and XXXX .XXXX/XXXX/XXXX  {$220.00} identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09
Company: CITIBANK, N.A.
State: DC
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 submitted a dispute with Macys XXXX in XX/XX/2022. I submitted all relevant documentation illustrating how a dress cut was not as described from XXXXs. It was returned with tracking. This is a charge of XXXX The vendor acknowledges receiving the dress back but disagrees with my claim about the slit in the dress. Notwithstanding they are in possession of the item and it is no longer in my possession so I can not be charged for it. 
Apart from this, MacyXXXX XXXX violated the FCRA and failed to conduct a proper, judicious and fair investigation into this matter. 
Almost three months later, without any paperwork nor basis for their actions they simply state that they closed the card and denied the investigation. 
I have a credit of over XXXX in overpayments and this is theft, violation of the FCRA, and retaliatory actions as I opened a dispute with valid reason and evidence. 
This company needs to return all of my monies including the XXXX charged to XXXX AS THEY ARE IN POSSESION OF THE MERCHANDISE AND CANT CHARGE ME FOR SOMETHING I AM NO LONGER IN POSSESION OF. 
They can say the slit on the dress isnt off like I said but it doesnt matter as they are in possesion of it and cant charge me for an item they are in possesion of. 
That is also theft and citibank/MACYS XXXX is part of a conspiracy to defraud me and deny my due process. 
I will sue them in small claims court for the monies stolen from my account and their prejudicial investigation that violates my rights as outlined in the FCRA

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 2020-01-28
Company: EQUIFAX, INC.
State: SD
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:
I was unable to access my free credit report on Exiquifax. After supplying all identification online, building a profile, it would not let me sign on. It directed me to call their support number. I did call. I had to supply my social security number, home address, zip, date of birth and phone number in the automated system just to be put on hold. The real person, after holding, would not help me get on the website without supplying further private information ( my credit card companies and monthly amounts ). I declined and wanted other resolution. She obviously would only read prepared screens to me and would not resolve. I asked to be transferred to a supervisor. After hold, she said just about the same information. No resolution unless I answer that question just for technical support. There is no way to log a complaint unless, she says, I send in identifying information and a complaint to the mailing address. This is a company that also has given me free fraud monitoring in the past because of their data breech, and yet could not help me to log into my account to get my free report. They should not hold me hostage in this way when I have already had to overshare private information to get to that point. I had no problem with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Maximus Education, LLC dba Aidvantage
State: KY
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:
On XX/XX/2023 I filed an application with Aidvantage on their website for the SAVE plan. Aside from a pop-up on the website, I never received confirmation of the application in email or letter. Further, even after submitting the application on Aidvantage, their dashboard still asks me to apply for an income-based repayment plan. To-date, XX/XX/2023 I still have not received confirmation of that application. 
I called Aidvantage on XXXX XXXX XXXX XXXX to confirm whether they had received my application. Both times I was told they had no record of it, but to wait and see. 
On XX/XX/2023, I filed a second application with studentaid.gov for the SAVE plan. I received email confirmation of my application the same day. On my studentaid.gov dashboard, I have confirmation that I applied for a SAVE plan with a repayment of {$500.00}. 
On XX/XX/2023, I received an email from Aidvantage confirming my application from StudentLoans.gov had arrived. The email stated that they received an electronic application for an " Income-Driven Repayment ( IDR ) '' plan. I don't know why Aidvantage had an IDR application or why it called Studentaid.gov " StudentLoans.gov ''. The body of the email indicated Studentaid.gov. 
On XX/XX/2023, I received an email from Aidvantage that my " IDR plan '' was approved for {$750.00}. I reviewed the document on Aidvantage 's website which also confirmed I was enrolled in the IDR plan. The same day, I called Aidvantage. I was on hold for about XXXX minutes before a customer service representative answered. The CSR indicated I had been processed erroneously for an IDR plan, that I was eligible for the SAVE plan, and the only option was for me to re-apply for the SAVE plan. She confirmed an estimated monthly payment of {$500.00}. She processed my now third application over the phone, and told me it would be 15 business days before it would be finalized. 
To be clear, on Studentaid.gov, my application states I applied for the SAVE repayment plan.

When I asked why my application was processed incorrectly, the CSR could not tell me. They had no information on my file about why it was processed incorrectly. She said it's usually a system issue.

This issue is still not resolved. My repayment allegedly restarts on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: IL
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:
Ive disputed a XXXX XXXX XXXX  IL XXXX Reference number XXXX with the credit bureaus Experian, XXXX, and XXXX -Which one of them ( EXPERIAN ) confirmed the public record was verified by the court. I asked Experian to disclose their method of verification on the alleged bankruptcy they are reporting. They replied to me with the bankruptcy being verified. I then reached out to the courthouse and their correspondence to my letter was that they do not verify or validate information from consumers ' credit files. 

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was purchased by Mr Cooper Mortgage this year and we had a fire in our home XX/XX/2019. Our Insurance company XXXX issued a check to both Mr. Cooper and XXXX XXXX in the amount of {$13000.00} for the repairs. 
XXXX XXXX endorsed the check and mailed it to Mr. Cooper in XXXX Texas as instructed, however Mr Cooper Mortgage will not release the funds in order for XXXX XXXX 's home to be repaired. 
The mortgage is current, his insurance has canceled him due to he second claim this year, if he can't use the funds paid by his insurance to make the necessary repairs the house will become uninsurable. 

Please help us get our insurance funds back from Mr. Cooper Mortgage so we can repair our home. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent four payments starting on XX/XX/XXXX via PayPal. This was on behalf of XXXX XXXX  with the promise that I would be paid money that was in my account. Their domain was XXXX In total I paid over {$40000.00} to XXXX XXXX. I have a copy of all correspondence with them as well. Their website was XXXX, but reopened with a different domain. I sent them money through crypto, so it is unlikely that money can be recovered. The new site, XXXX, has asked for another {$1500.00} with the promise I would be paid {$100000.00}. I have not paid the new site any money. That domain is still active. Additional money was sent through PayPal, which is what I am specifically referencing here. First were three payments of {$950.00} to email address XXXX. Second was a payment of {$2300.00} on XX/XX/XXXX to email address XXXX. I never got any money and was unable to resolve this through PayPal. I have attempted to request the money back from the users, but have not been able to. The email address XXXX has cancelled my request several times. The other email address has failed to respond. PayPal will also not let me send a secure message to the users through the site. If if it possible to recover the other funds, I can provide any and all documentation regarding promises made about payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: AMERICAN EXPRESS COMPANY
State: NJ
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 billed on XX/XX/XXXX in the amount of {$12000.00}, XX/XX/XXXX in the amount of {$12000.00}, XX/XX/XXXX in the amount of {$13000.00}, and for {$38.00} on XX/XX/XXXX. total fees charged {$38000.00}. 

These late fees must be credited back as all the charges and entire balance was resulting from disputed transactions due to an ongoing problem we had with these transactions with a merchant. All charges were indeed credited back between XXXX and XX/XX/XXXX, but American Express never credited me back for the interest fees and late fees associated with these charges. On XX/XX/XXXX after complaining about this, American Express did give me a small credit me {$8000.00}, but was still short {$30000.00} in fees that must be returned to me.

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: Credit inquiries on your report that you don't recognize

Complaint:
I found inquiries on my credit report that do not belong to me

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 2023-02-26
Company: Experian Information Solutions Inc.
State: FL
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 have pulled my Experian report and noticed an unverified account. I have tried contacting both Experian as well as the debt collector. They both refuse to investigate properly and delete this account from my credit report. 

I mailed Experian to look into this account on XX/XX/2019. This letter was sent certified. I also mailed the debt collector on XX/XX/2019 and XX/XX/2019 for debt validation. They mailed me a letter back on XX/XX/2019 stating " we have reviewed this dispute and determined that it did not contain sufficient information to resolve the matter '' this reply was very confusing. 

They continue to refuse to delete this from my report even though it is illegal what they are doing. Please assist. Please see Proof 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 non-monetary relief
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek 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 non-monetary relief
Consumer complaint received 2022-04-09
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: R & B Corporation of Virginia
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Im a XXXX XXXX  XXXX XXXX and I woke up on XX/XX/2023 to an alert on my XXXX consumer report from Credit Control Corp. I called company at number listed and requested from the lady that they forward to the address they had, all relevant information relating to this matter to include the original contract from day XXXX with my wet signature and a full accounting of the amount claimed owed and how it was calculated, and it must be reviewed by an attorney. Ive previously had my identity stolen and Im not about to be bullied by a third party collection company who Ive never had ANY business dealings with. They wanted me to verify my SSN and I flat out refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Albert Corporation
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2022, I opened a checking account online at Albert cash using my friend 's referral link ( https : XXXX ). Albert is a financial technology company, its Banking services is provided by XXXX XXXX, XXXX FDIC. I opened this account is because Albert 's referral program offering a referral bonus of {$150.00}. The person signing up for an account needs to complete the following requirements : Direct Deposit $ XXXX every 30 days for 90 consecutive days ; Spend $ XXXX on goods or services with the debit card every 30 days for 90 consecutive days. 

From XXXX to XXXX, I set up payroll direct deposit to Albert with $ XXXX and spent at least {$100.00} each month. However, when I contacted customer support, they insisted I have not signed up with a referral link. Before signing up, I dont even know this bank if my friend did not refer me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

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