BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-06
Company: Maximus Education, LLC dba Aidvantage
State: WI
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/XXXX, I logged into my student loan account with aidvantage and submitted a payment for the entire balance of the loan ( {$5500.00} ) using information directly from a check to ensure routing information was correct. This payment was submitted as an electronic bank transfer. I received a confirmation email from aidvantage on XX/XX/XXXX that my payment was posted on XX/XX/XXXX. The next communication from aidvantage on XX/XX/XXXX stating that I missed my first payment due on XX/XX/XXXX. Aidvantage then added {$22.00} in interest to my account. I was never notified that my first payment was not processed through aidvantage. I then resubmitted my payment to aidvantage on XX/XX/XXXX. This payment was for {$5500.00}. I received an email from aidvantage on XX/XX/XXXX confirming my payment. I checked my account on XX/XX/XXXX, and my payment was being processed. There were no signs of issues with my payment and it showed XXXX balance. On XX/XX/XXXX I review my bank statement and found that aidvantage never took money from my bank account. I checked my aidvantage account and my payment was reversed on XX/XX/XXXX as dated by aidvantage without notice. This could not have happened on XX/XX/XXXX, as I checked my account on the XXXX and my payment was still being processed. I called the phone number listed on the payment confirmation which is listed as the support phone number. I was put on hold for multiple hours, at which time I never was able to talked to a representative and was unable to remain on hold any longer. I am now mailing a check on XX/XX/XXXX for the original balance owed of {$5500.00} to aidvantage with a letter explaining how I never missed a payment and was not notified of any issues with my electronic payments. I was wrongly charged interest on my account and I am no longer willing to pay it. I do not want this to hurt my credit as I made every attempt make my payment in full well before the payment was due. I informed aidvantage in my letter that I filed a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Navy Federal has been in constant violation of the FCRA. They have reported a credit card account to my credit report that is a result of fraud and I claim no responsibility to. Not only that but they have maliciously and intentionally been reporting incorrect data. After being made aware of the account I requested it be closed in XXXX. Navy Federal has been maliciously defaming me and my credit by reporting data thats is not correct they have reported data as 30 days, 30 days, 30, days, 60 days and 90 days. Which is incorrect reporting. Navy Federal has failed to send debt validation as well. All credit bureaus are aware of these violations. 
Reporting Act ( " FCRA '' ), 15 U.S.C. 1681, et seq., or for violations of the California Consumer Credit Reporting Agencies Act ( " CCRAA : ), Cal. Civ. Code 1785.1, et seq.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Experian Information Solutions Inc.
State: MN
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 was already in the rehabilitation with the Department of Education. However, they never remove it out of collections. It has a negative effect on all 3 credit bureaus. I was was informed in writing if I complete the program the negative remarks will be removed from my credit report. Also, I was never informed about the forgiveness program. My due process was never given to me. For example, no one never explained the Income Based Repayment Program. Based on my income my payment will XXXX amount and the negative items would of never been on my credit. In fact, I would of been in an excellent situation regarding my credit!

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 2023-11-06
Company: MoneyLion Inc.
State: FL
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Unauthorized withdrawals or charges

Complaint:
okay I purchased something at XXXX and I guess they had a scamming machine or something like that because after I purchase something there few hours later money ended up missing out of my account and it was XXXX. missing out of my account and let alone this race track is in XXXX Florida and the money was withdrawn from a XXXX XXXX XXXX in XXXX Florida and the weird thing is about it. is that looking at my XXXX XXXX showing the transactions information? it shows XXXX with the store number XXXX and where the money was withdrawn the XXXX there. the stores name is XXXX with the same ending XXXX same number. so I'm guessing that somebody at XXXX XXXX had a scamming machine or something like that because it's weird that after I did that transactional XXXX XXXX money ended up missing out of my account that I ain't authorized and I told my bank about it that it wasn't me and I even showed them proof of my location. they still telling me that is no error that basically I did the transaction because there's no way of they took out money without my my card at a XXXX when they did do it without my card and I'm fighting to get it back but they still don't want to help me give him my money back and they're telling me that it's not error

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
the company first changed their website to a completely new one to make the payments and now i am unable to pay off the loan as they have charged my account to off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Orions Management Group, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Company name : ORIONS MANAGEMENT GROU ( Original Creditor : XXXX XXXX ) Date account open : XX/XX/2022 Amount {$1900.00} I was reviewing my Credit report and noticed a fraudulent account that was on my credit report. I called the number that was on the report regarding the account and asked them if they could remove it from my account due to it being a fraudulent account. They stated this is your account. I asked them for the original contract. Within days of me asking for the contact. I received phone calls asking how I want to pay for this balance. I then notified them agian the account is a fraudulent account and the signature on the contract wasnt mine, and i never open this account. Can they remove this from my credit report cause this fraudulent account Is affecting my ability to buy my dream home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 tried to cancel a payment through the app and was unsuccessful. 
I called XXXX XXXX and had a conference call with a XXXX XXXX representative on the line since XXXX would be the paying agent. I explained that the app was not working and I was not able to cancel the scheduled {$150.00} payment to change the amount. The representative stated that they were having problems with the app and she would take care of the cancellation. However, she did not do so and I called XXXX XXXX after the amount supposedly canceled was taken out of my XXXX account. I spoke with XXXX XXXX and they reversed it. I made the minimum amount due making sure the payment was on time.The XXXX XXXX representative said she would take care of it. I have a copy of my latest statement where the amount they list is not due until XX/XX/2022. They listed it as past due. I have never been late on this account. On the statement it shows that the last payment was XX/XX/XXXXand the next payment that they listed as past due 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 explanation
Consumer complaint received 2023-08-10
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE BEST SERVICE COMPANY, In accordance with 15 USC 1692g, I, A consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, XXXX, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the XXXX XXXX XXXX XXXX for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " XXXX XXXX of XXXX '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES XXXX XXXX. Please be advised that if you fail to respond to this dispute within XXXX  days, I will be forced to escalate this matter and take appropriate legal action.

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 2023-06-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$23.00} XXXX  XXXX Balance : - XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance : - XXXX. XXXX XXXX XXXX XXXX : {$130.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX  XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX  XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$23.00} XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$570.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$2300.00} XXXX XXXX  XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX  XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX  Balance : {$550.00} XXXX XXXX XXXX XXXX  Balance : {$630.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$23.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$590.00} XXXX  XXXX Balance : {$570.00} XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXX  XXXX Balance : {$130.00} XXXX  XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX : {$620.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XXXXXXXX XXXX Balance : {$410.00} XXXX XXXXXXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX : {$310.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX SXXXX  Inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had deposit my uncles check from work because he is not going out because the virus check was clear in my account now the account is frozen and I cant do nothin in my account. We contacted his boss and the check was clear in his bank and he send email with check crear on his end. I really need help Im also getting my irs refund anytime and bank told me they will hold that also and that they could hold it for 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days investigate and send me the results.

And They also didn't even record the current status of the disputed information which is another violation.

I have all the evidence attach below.f

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 2016-03-23
Company: NAM National Arbitration and Mediation
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
My complaint is against the ADR Group located in XXXX, CA. XXXX ( XXXX ) from the ADR Group called my father 's house looking for me today. First off I 'm upset because they care calling relatives to try to locate me!! I have been at my current address for 19 years and have never received any kind of communication from this company then all of a sudden they are hunting me down and when I do call them back they are threatening to take me to court and file a civil suit against me for a {$750.00} They said it 's for a XXXX bill from 2001. I had a friend call them back to see if she could find out any further information and she spoke to XXXX. XXXX could n't answer some of her questions so she put XXXX XXXX ( XXXX ) on the phone who told my friend that the company ( XXXX ) waited 10 years for the statue of limitation to be up to take me to civil court to collect this debt. I 'm just wondering why they would do that because if I owed them why have n't I received any communication from them? He also said I could settle the account today and today only for {$350.00} which will not be possible because I am unemployed. He gave me two options to pay {$75.00} a month until I pay it off or settle the account for {$350.00}. He also asked for checking account information and a date to collect on the settlement amount. I 'm very leary of giving someone access to my friend 's account and she called the bank and they told her not to do that ( I do n't have a checking account ). XXXX told my friend that I had until XXXX today to call them and give them checking account information. I am not employed and I do n't have a checking account. It 's not right that this company would contact me about an account that I ca n't remember, and on my first conversation try to get me to give them my personal checking account information and all they are telling me is that it is an old XXXX bill without showing me NO proof. Can you please have this company stop calling my relatives and to close this old account and not to take me to civil court. Thanks

Company response to consumer: Untimely response
Consumer complaint received 2022-04-14
Company: EQUIFAX, 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 asked previously for an investigation into WHY I have 2 bankruptcies reporting on my bureau for the same case number. I was told it was investigated and they mailed me a report. A report was mailed and the only changes were an old address and a name, they did not remove the duplicate nor did they do an investigation as to why it is reporting incorrectly. I DEMAND TO KNOW WHO YOU VERIFIED WITH IN XXXX THAT TOLD YOU TO CONTINUE TWO BANKRUPTCIES ON MY CREDIT FILE ILLEGALLY!! This practice is deceptive and very much ruining my profile and causing mental anguish. I am going to sue EQUIFAX based on Permissible Purpose. Should not even be on my credit report in the first place based on 15 US Code 1681b, even more if IT IS INCORRECT and DUPLICATED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My husband was already Garnesh for the same XXXX XXXX bills that they are trying to sue him for right now again.. He had already paid these debts they are trying to collect again. and they was settled and paid In XX/XX/XXXX and two Ganeshments in XX/XX/XXXX. XX/XX/XXXX/XX/XX/XXXX. XXXX XXXX XXXX XXXX. of XXXX, Indiana. filed a hearing XXXX XXXX for XX/XX/XXXX For XXXX XXXX .at XXXX XXXX,. they filled on XX/XX/XXXX. the post card said XXXX XXXX XXXX XXXX XXXX XXXX . amount due on post card says not showing. case # XXXX. My home loan is paid on time how can they send me a court eviction hearing notice?. His credit report says XXXX XXXX is on his report for {$330.00} settled in XX/XX/XXXX Now those was part of a Ganeshment that they already collected from paid out to them XX/XX/XXXX. {$410.00} Settled XX/XX/XXXX. {$220.00} Settled in XX/XX/XXXX. {$600.00} Settled on XX/XX/XXXX. We due owe a {$6000.00} Hospital bill they are trying to collect with all of them bundled together. XXXX credit has already got over {$17000.00} total from us in Garnesment Wages paid in full as of XX/XX/XXXX. from his check i have papers to show they received this amount of money from his work in wages.. it was for credit card and Medical bills. his credit card debt was only XXXX dollars i have the original paperwork on that credit card debt. I also have all my copies of our old credit reports going back as far as XXXX. They call my cell phone XXXX times a day with different fake XXXX numbers. I try to call back and it says they can not except incoming calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I was a victim of identity theft. My Bank of America Debit Card was obtained by cybercriminals using the XXXX XXXX website. They then created a XXXX XXXX XXXX  account in which they purchased over {$2000.00} in gift cards to XXXX XXXX XXXX using the Mileage Plus X platform. I contacted Bank of America 's fraud department to notify them of this crime, and then contacted XXXX, who said that their fraud department would follow up in a few days. Happy to provide all information as needed as the notifications for the account sign up and purchases were sent to my email address. I have filed a police report with my local police department and have filed a report with the FTC as well, both 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 monetary relief
Consumer complaint received 2023-04-29
Company: EQUIFAX, INC.
State: IL
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:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation