BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-11
Company: Maximus Education, LLC dba Aidvantage
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been set to a status of Delinquent by Aidvantage because my payment has been reversed despite my bank always being the same since I was in college. I have enough money to pay. 

I have a history of attempts to pay on their website but no payment has gone through and now I am in deferment. I just want to pay it off and can't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: FIRST CITIZENS BANCSHARES, INC.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My truck was towed on XX/XX/XXXX while I was out of town. It was the same day Cit Bank sent me the " NOTICE OF ACCOUNT CLOSING '' and my debit card privileges was revoked at the same time. I had no access to my my funds. They left me in limbo. Cit Bank colludes with this group of bullies to harass me. Those bullies had been making my life miserable since their failed extortion attempt on XXXX. I had this account for 23 (? ) years. I never had trouble with the two prior Banks ( Mutual of Omaha Bank, XXXX XXXX XXXX XXXX XXXX ) until Cit Bank took over. This XXXX lead teller seems having some other agenda in her mind. She asked me about my physical address numerous times. Why??? She also asked me lots of personal, intrusive, obnoxious questions. It's really disgusting that I had to deal with this rude teller. For your reference, I have enclosed a copy of the " XXXX review '', a copy of the letter sent by Cit Bank Manager XXXX XXXX. It's funny this Manager couldn't even spell my name right. Is he really a Cit Bank employee?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: OH
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 have noticed inaccuracies on my report. I have made these inaccuracies known to Experian. Nothing has been corrected and Experian has claimed to have investigated and verified the accuracy of the information. I have filed complaint # XXXX with the CFPB on XX/XX/2023 which Experian has ignored for almost 2 months. The accounts on my report are incorrect and are adversely affecting my livelihood and have caused me severe damages. XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX. Experian has been intentionally allowing this harm to come to my name by giving me false statements of verification and reinvestigation when the information was never validated and has been reporting misleading and false information since Experian has allowed such to exist on my 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 2023-07-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: MI
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:
These accounts are not mine, fraudulent activity on my credit report. 

XXXX XXXX on credit report not opened by me. 

XXXX XXXX Account fraudulently opened, paid off XXXXXXXX Dept of EdXXXX payments 180 days past due as of XX/XX/XXXX to XX/XX/XXXX not on this account. The account was opened XX/XX/XXXX. 

STATE OF MI/OFFICE CHILD SUPPORT account never late and paid in full XXXX paid in full XXXX XXXX XXXX fraudulently opened

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The moment I received the duplicate of my report that I purchased with XXXX  dated XXXX, I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were COLLECTION, CHARGE OFF and LATE CLOSED accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these charge off and late closed accounts. A copy of my Utility Bill and drivers license are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX XXXX 
Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license and current Utility Bill as verification of my ONLY address. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
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: Account status incorrect

Complaint:
XXXX and Experian have violated my FCRA consumer rights to ensure these incorrect negative reported items are removed from my consumer credit report. XXXX has incorrectly reported my payment history in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Both credit bureaus have different and incorrect information. I was never late with payments with XXXX XXXX. I made payment arrangements and XXXX agreed to not report my payments as delinquent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I C systems # XXXX keeps sending a bill for XXXX. This original medical bill was from XXXX XXXX XXXX  XXXX This bill was paid in full by insurance and shows a XXXX balance. I C systems keeps validating this debt and sends me a bill from XXXX XXXX XXXX XXXX. with a XXXX balance. I C systems also is using my medical information to validate a XXXX balance.

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 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX # XXXX is reporting an account to my credit that should not be on there. I was an authorized user for this account but I was removed from it and it should not be reporting to my credit report any longer.

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 2023-06-06
Company: MoneyLion 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:
Money Lion. Keeps reporting to my credit report that I owe them money. I have been trying to remove them off my credit report for years. 

I cant stress this enough I am a victim of identity theft since XXXX. A lot of accounts have been opened with my name and even unemployment has been opened using my name because of an on going case I cant get into details. But unfortunately money Lion cant provide me with signatures or proof about the account as many times as I contact them. I would like to receive them and have them delete their account 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 2022-12-22
Company: HireRight Solutions, Inc.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
WAS NOT MADE AWARE BY THE BUSINESS OF MY RIGHT TO OPT OUT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX credit card used On XX/XX/2016 for vehicle fixing with merchant XXXX XXXX {$1400.00} due to vehicle broke down the same day charges were disputed with XXXX. 
On JXX/XX/2016, XXXX transition into XXXX credit card. XXXX went ahead and paid the merchant without reviewing proper documentation from XXXX XXXX. Since than I communicated with XXXX. 
XXXX offered was installment payment plan instead of taking responsibility of their actions. 
In XX/XX/2016 XXXX sold debt to Midland Funding Even though they collected funds {$250.00} up until XX/XX/2016 through my own research I just discover since I was signed up as auto pay via XXXX  XXXX XXXX. They have paid them money which was in dispute. XXXX needs to take off this negative and false charges from my credit report and stop harassing me. 
Midland Funding has been harassing by filing lawsuit against me and showing up at my residences several times a day. 
Can you intervene? 
Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: TN
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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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 2022-12-22
Company: FIRST ADVANTAGE CORPORATION
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
WAS NOT MADE AWARE BY THE BUSINESS OF MY RIGHT TO OPT OUT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I was contacted by Chase to let me know that my debit card # had been stolen. Someone in XXXX TX tried to use my card # at XXXX XXXX and Chase blocked the transaction, however, they were able to withdraw {$120.00} from our Checking Account and over {$1100.00} from our Savings Account, which was taken out in XXXX separate {$100.00} transactions listed from NY. Chase canceled my old debit card and issued me a new one. Chase had me speak with the claims department to file a claim for the money that was stolen from us. Chase issued XXXX separate claims, XXXX for our Checking Account and XXXX for our Savings Account. I was told they would look into this and let me know the result. On XX/XX/XXXX I received an email from Chase letting me know that they deemed these transactions as authorized by me and will not refund my money. This is ludicrous. It was the same day my debit card # was stolen. I found out whomever stole my number used XXXX XXXX to take the money from our Savings Account. Neither I, nor my husband own an XXXX. Chase asked me to prove we do not own XXXX by faxing them our phone bill, which I did. As of today, they are still denying both of our claims, saying that we authorized these transactions. I am insulted they would think we did this when Chase themselves notified me of my debit card number being stolen. I want action taken against them so I can get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-16
Company: Navient Solutions, LLC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a new phone number from my new cable company. I do not owe anyone, any debts. The second and third day of my new phone number I got a call from a debt collection company. It was a robo call with instructions to call XXXX. I have not called them. Thank you.

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
was supposed to check validation and a accuracy on this account. 
XXXX XXXX  over XXXX  year TransUnion XXXX Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Auto Loan Auto Loan Bureau Code : Maker Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$8200.00} {$8200.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$11000.00} {$11000.00} Credit Limit : {$0.00} {$0.00} Past Due : {$8200.00} {$8200.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber.

Merchandise was taken back by credit grantor ; there may be a balance due.

Unpaid balance reported as a loss by the credit grantor. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX accuracy on 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 non-monetary relief
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: PA
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 # 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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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

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 2023-06-06
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Saturday XX/XX/XXXX my Wells Fargo debit card was hacked. I called phone banker. He wouldn't close it, assuring me their system would decline any suspicious charges made with it. Sunday XX/XX/XXXX, XXXX XXXX CDLS time I got email from WF that a charge on my debit card was denied. I immediately called phone banker. We both opened my account. XXXX fraudulent charges went through bringing my account down from {$5400.00} to {$80.00}. I filed fraud claim # XXXX & personnel claim against banker who wouldn't close my debit card, claim # XXXX. The fraud claims specialists paid my account back {$350.00} on XX/XX/XXXX closed the case & then reversed those those credits by about {$150.00}. Claim was reopened. # XXXX. The findings for the banker claim said basically " sorry for the inconvenience, but we are doing nothing about it '' & closed that claim. The resolution on the 2nd fraud claims case will be made Friday XX/XX/XXXX. I highly doubt I will get much if anymore money back. All along I've been told '' don't worry, you'll get your money back, but they've done almost nothing so far. Please make them restore my fraudulent losses.

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
According to my research about FCRA 605, Transunion Credit Bureau is required by law to remove & block any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief