BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
Company: Maximus Education, LLC dba Aidvantage
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I requested a federal student loan refund from Aidvantage, my federal student loan service account, on XX/XX/2022. I was told over the phone when I requested the refund the entire process would take 4 to 6 weeks, with 6 weeks being the maximum amount of time it would take to see the refunded money deposited into my bank 's checking account. I requested the refund to get money back from payments I made during the COVID-19 pandemic, during President Biden 's pause on student loan payments. It is know XX/XX/XXXX, more than 2 months ( XXXX weeks ) from the date I requested the refund. I have called Aidvantage customer service multiple times, and I keep getting different information. They tell me the wait time is now 10-12 weeks. Another representative told me it's out of their hands and there's nothing they can do for me. A third representative told me my request has been processed, but it's up to the treasury department now. I told them I was initially told 4-6 weeks of processing time when I first made the request, but they said that's changed now and could not help me. The refund I requested is just over {$5000.00}. This money should be back in my bank account by now and it's extremely frustrating this process is still ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
They keep reporting old debt that cant be verified by the collection agencies that are reporting the debt. I have asked both the companies they are reporting. Over the phone to please email or mail me paperwork verification that the debt is my. No response this debt continue to pop up from different companies every fees years. Same thing no paperwork. How can this continue to happen to people. I have disputed from the company, they come back every they have what they need. Can they show how they proving its right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Block, Inc.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Cashapp has been a problem for a while now. Its always taking money out of my acount. 
Ive always jus simply applied for a refund for small amouts but recently cashapp has taken XXXX dollars and XXXX cents out my account for a purchase I did not make along with other amounts here and there. They refused to give me a refund and has denied my request multiple times after Ive called and complain and applied for refund of the XXXX $ this happened XXXX XXXX XXXX I would like to speak the the highest person involved in this because this is unacceptable if not I would Be forced to take this higher to legal authority as I have the proper documentation information and tools to do this because I am a XXXX in the United States XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am currently disputing a bankruptcy item on my Transunion credit report. This Bankruptcy belongs to my father and is on my credit report. I submitted a dispute on XX/XX/XXXX and still have not heard anything back as of XX/XX/XXXX. I was asked by an agent with Transunion to open a new up a new dispute again but, I hadn't heard anythingback from my previous dispute on XX/XX/XXXX. I'm asking why is the dispute taking so long and that incorrect item be removed from my credit file.

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid my credit card in full back in XXXX and the XXXX XXXX has been reporting each month to Transunion and TRANSUNION has not updated my credit card to {$0.00} so my utilization now looks like I am at 85 % and it is affecting my credit history and score.

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 2023-04-05
Company: Experian Information Solutions Inc.
State: NJ
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXXDate Opened : XX/XX/2010 Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First let me make clear that I am not using ANY credit repair company! I am a regular person who is tired of getting the same reply to my letters no addressing the information requested. I have been requesting that this company validate all the collection notations they have been submitting to the three major credit reporting agencies using account numbers XXXX, XXXX and XXXX. They continue reporting inaccurate information. It's like they don't care. On my last letter, I demanded validation and requested to be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: CBC Companies, Inc.
State: MI
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Bank of America is a scam. They dont allow transfers to external accounts with the type of account that I have, so the only way XXXX my money out of my account, because I dont like to keep my money in my BOA account because Im in the process of closing it! They are terrible. I have banked with them for 3 years. Never had a problem sending a XXXX to someone else, but when they see its being sent to another account that belongs to me, they keep putting my money under 24 hour review. I dont think thats a coincidence. No matter the amount. I tried to XXXX {$40.00}, and they held that one too. And when I called them, provided me with no reason as to why they keep flagging all my XXXX transactions to this account, and restricted me from being able to sign in online or in the app! Had to call the bank REPEATEDLY now for 2 reasons! To unrestrict my account and to tell me why my XXXX transactions are being put under review, when nothing is new or suspicious about the transaction or the recipient. Ive been on the phone for a total of XXXX hr and XXXX mins, with no resolve. Im going to manually remove my money from this account, like I was FORCED to do last time and then go manually put it into the account Ive been attempting to XXXX the money to. Talk about an inconvenience as a consumer! This bank is the worst!

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 2021-05-12
Company: EnTrust Funding
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started a refinance for my single family home with XXXX XXXX at EN Trust Funding out of XXXX AZ & paid {$750.00} out of my own pocket for the appraisal. I decided to go with a different lender & XXXX is refusing to transfer the appraisal to my new lender. XXXX also tried to get me to sign a loan document after I told him I was using a different lender by having someone in his office send me the DocuSign to sign for the refinance. I feel he was trying to trick me to sign with him because when I hit reply all his name came up he had XXXX copied himself. Because if I saw his name I would not have even opened the document to sign.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
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: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX, I recently reviewed my credit report and notices a few unauthorized accounts. I have tried resolving the issue on my own but can't seem to have them removed which is why I am now reaching out to you. These accounts are affecting my approval for a new vehicle, which I'm in desperate need of. Please review promptly and have them removed from my report. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: GA
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 pulled my credit report and noticed that there are items that are not right. 

I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Inquiry from XXXXXXXX XXXX XXXXXXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This information is due to identity theft, please remove it. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I do not recall this account ever being paid late or missing a payment. Please remove the inaccurate account from my report. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
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: Account status incorrect

Complaint:
The 90 day reporting past due on my credit with Dept of EDXXXX XXXX XXXX of 2019 is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: SUN LOAN COMPANY 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:
Sun Loan # XXXX -I have disputed this account multiple times and it continues to be removed then XXXX months later re-appear on my report then changes an amount or date. Nothing has been consistent and they continue to report and change dates that are not wrong. When I first sent a letter to dispute, I disclosed that I didn't even open an account in XXXX. Sun Loan # XXXX continues to find some small loop hole to be able to report and its deceitful and prolonging my ability to purchase a home. I know this should be removed because it has been previously, then when I check my credit XXXX  months later it re-appears without in notice to me and has a different number and amounts. I want this account removed immediately from my credit report. Especially since this account has not showed back up on XXXX from dispute.Dates of letters regarding this account : XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: TD BANK US HOLDING COMPANY
State: MO
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 AM A VICTIM OF ID THEFT.MY WALLET INCLUDING MT DEBIT CARD GOT STOLEN. TD/NORGSTROM HAS REFUSED TO REMOVE THE ACCOUNT EVEN THOUGH I PROVIDED A POLICE REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2018-08-27
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a Citibank card that advertised an introductory rate of 0 % APR for the first 18-months. I applied on the phone, and the Citi representative confirmed it was a 0 % APR card. When I received the card in the mail, the paperwork stated the APR was roughly 15 %. I called Citi and they confirmed that they do offer a 0 % APR card, but for some reason the Citi rep I spoke to while applying for the card lied to me, OR they submitted my application for the wrong card. I cancelled the card I received.

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 2023-10-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Third party collection company that has no contract with me posted personal information online on multiple sites. Demanding payments for a debt that was not validated and verified. Identity theft is being reported. Company has no record of business license in my state, i m also reporting to SOS office, AG and IRS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: OneMain Finance Corporation
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hello. I have a debt I am currently paying on with One Main Financial in XXXX, Louisiana XXXX. I owe the debt and right now my account is behind. My problem is One Main calls me daily at least 8 times. That is overkill. It's not from the XXXX branch only, but multiple other companies associated with them throughout the day. My cell phone constantly rings at my job which I have been in my supervisor 's office about because of the multiple phone calls a day. They start at XXXX and ends sometimes after XXXX CST. I know I have a debt but at some times this is harassment to me. It is NOT necessary to contact me more than once a day. Last week ( XXXX XXXX XXXX ) I was contacted by them 15 times. My supervisor witnessed this and encouraged me to contact the proper authorities to report because she worked in financial institutes prior to working at my job. She even stated the phone calls were overkill and against the law for One Main to harass me. I would like for the multiple phone calls a day to STOP. I am considering hiring a lawyer if I can not get this matter resolved soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: Exeter Finance Corp.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My rights have been violated, pursuant to 15 USC 1692 G. I traded in this vehicle on XX/XX/2022 and have documentation stating it was paid in full by the dealership. I have disputed this twice via email with the lender with the last date being XX/XX/2022. The lender ( Exeter XXXX ) claims they have no dispute on file and have reported late payments and a debt still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied and received a CAPITAL ONE XXXX credit card around XX/XX/XXXX the terms were when i spent {$500.00} within 90 days I would receive a {$200.00} credit on this card,. 

I spent the {$500.00} within the time period, but they refused to give me the {$200.00} credit. 

I called customer service and they said my card did not qualify for the credit. The literature indicated this card would receive the {$200.00} credit. No one ever told me by voice or letter that I would not receive thias credit. That is why I applied for this card. ( called around XX/XX/XXXX and again on XX/XX/XXXX they violated the terms of our agrfeement, so I closed the account. I currently have a balance of {$200.00} on this account that I must pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
TD Auto Finance continues to harass me via phone, email & by mail. This vehicle was sold at an auction & theyve received more than worth the car was worth. They claim I owed a difference in the loan of XXXX & they have been illegally charging interest & reporting to all 3 credit bureaus as if I still have possession of the vehicle & now  reporting that I am behind in car payments & that I owe {$18000.00} they have also threatened to sue me in attempt to get a judgment made on my account. My next steps is to counter sue for harassment. This is absurd. They're manipulating me as a consumer & their business should be closed immediately

Company response to consumer: Closed with non-monetary relief