BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: Maximus Education, LLC dba Aidvantage
State: FL
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 XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$410.00} {$410.00} {$0.00} Last ReportedXXXX XX/XX/XXXX XX/XX/XXXX Date Last Active:XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX none of these credit bureaus are matching DEPT OF ED/XXXX need to be removed only XXXX is reporting XXXX XXXX XXXX XXXX Monthly Payment : {$0.00} XXXX {$1800.00} Last Reported : XX/XX/XXXX n/a XX/XX/XXXX Date Last Active : XX/XX/XXXX n/a XX/XX/XXXX XXXX XXXX XXXX XXXX Account Status : Closed Paid n/a shows paid on XXXX, closed on XXXX, XXXX not reporting

Company response to consumer: In progress
Consumer complaint received 2023-11-09
Company: Maximus Education, LLC dba Aidvantage
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX sent me a letter on XX/XX/23 stating they sent it to Department of Educ/AIDVANTAGE in regards to all my loans should be discharged due to XXXX deemed me XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) all balances of loans hold be forgiven. They have duplicate of my loans on my credit report as well.

Company response to consumer: In progress
Consumer complaint received 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
All three bureaus are reporting late payments on these accounts. XXXX, XXXX and Transunion. On XX/XX/XXXX i open disputes with all three bureaus asking them to remove late payments on my report because i wasn't informed that late payments would be reported by any entity. I didn't give consent for any of these reports to report any information about me. With no change on all reports. Here are a list of all the accounts in question. 
As of XX/XX/XXXX XXXX, XXXX and Transunion are reporting : XXXX XXXX XXXX late payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. in the amount of XXXX every late payment. I have paid off this debt XXXX. 

I would like to mention code : 15.us.1666b Timing of payments as well as 15 us code 6802b Obligations with respect to disclosure of personal information.

I wasn't given any opportunity to opt out. They never gave me an option to opt out.

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 2023-11-14
Company: Experian Information Solutions Inc.
State: GA
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:
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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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: In progress
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I mailed notices to all CRAs to cease reporting transactions and experiences with several accounts listed on my credit report. They all claimed to investigate the matter. XXXX has yet to respond that they are investigating the matter which has been over 30 days as required by law that they have 30 days to respond they failed to do so. XXXX has updated my report with the results of removal of my XXXX XXXX accounts as they should. The other bureaus transunion and XXXX are still reporting an account which they should be in compliance with XXXX. XXXX XXXX, XXXX and XXXX needs to follow suit with ceasing my transactions which is a violation of FCRA and privacy.

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 2022-07-22
Company: National Credit Systems,Inc.
State: GA
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:
I reached out to the company National Credit Sytems concerning an account for {$150.00}, along with the bureaus to address this issue. Although I have furnished proof with a police report, received no validation of the debt by the original creditor or the bureaus. I have received no traction on a debt that does not belong to me. I have provided proof on my end and the companies are not being held responsible for truly validating this debt. I filed with identitytheft.gov # XXXX along with CFPB # XXXX. 
I am a victim but am being punished. According to FCRA 623 prohibits information furnishers from providing information that they know or have reasonable cause to believe is inaccurate In accordance with the Fair credit reporting act National Credit Systems has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C Section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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, there are items and my TransUnion and XXXX  that needs to be removed. On XXXX  the items was deleted I have provided supporting documents.

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 2023-11-15
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : 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  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-08-29
Company: Click n' Close, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
In XXXX I purchased my home through a FHA loan to XXXX mortgage. Moved to XXXX in XXXX. XXXX & XXXX sold my account to a different bank which was not able to contact me ( as I was living in XXXX and again sold the account to a loan service provider in XXXX. Since XXXX the mortgage has been sold from aone service provider to other, each one increasing my payments or adding special taxes not aplicable for houses in XXXX XXXX. The new lender called Click & Close again is charging me more than what they should so I requested them copy of the contract to verify the amounts of money they are charging me but they dont send me any evidence of a valid contract. They keep sending me the original contract ( Deed document ) I signed back when I purchased my home, in XXXX, and other documents I signed with XXXX Mortgage but they dont provide me evidence of the amount of money owed at the moment they bought the account for me to confirm why they charge me such a high monthly payment and taxes. They can't charge me that amount as Ive been paying my house for more than 20 years. It doesnt make any sense that XXXX  years later Im paying more than before. Please help as I believe this company is illegally charging me money unrelated to my home mortgage. I dont believe they even know how much is the remaining balance for that loan ( just a few years more ) .I have the original title for my house where I signed the contract. They provided me a new title ( deed ) not signed by my with a different price for the property. But it shows a different mortgage bank, not them. This was when XXXX Mortgage sold the account to another bank. See documents attached are dated XXXX ( original deed ) and XXXX ( when XXXX mortgage sold the account to another bank in XXXX XXXX. Not to Click & close or Midamerica mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion has Failed to get this bankruptcy thats on my report removed they did not verify where the information was furnished. I sent multiple documents they lied and said they received it down the court which is a lie because the courts doesnt report any information as such I have now filed a complaint with the attorney general and the XXXX. If this is not removed in the next 30 days I will be taking legal action against transunion.

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 2023-11-17
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, TCF Bank was bought out by Huntington Bank. There was a young ( late XXXX - mid XXXX ), petite, medium long blonde haired teller assisting me. She then informed me that the new account ( XXXX ) is the correct account, from the former TCF account for XXXX, and it was called XXXX XXXX XXXX XXXX. I said well, the account is supposed to be for XXXX XXXX but they assured me that this was the right account. I was skeptical. Therefore, I went a step further and immediately emailed my landlord informing him of the changes. This email was sent the same day that I was at the bank on XX/XX/XXXX. 

When I went in to the now, Huntington Bank on XX/XX/XXXX to make my monthly payment for rent, I was forced to cross out the name, XXXX XXXX, and place XXXX XXXX XXXX XXXX on the check instead. I again asked, is this the account for XXXX XXXX because it shouldn't really matter. ( I have a copy of the all the checks. ) The same blonde haired teller told me that all checks to the business account needed to have the business name on it. If I made the mistake again I was told to write out a new check that said XXXX XXXX XXXX XXXX. If the bank were to look up the transaction history to see who assisted me on XX/XX/XXXX they would see who gave me the XXXX XXXX XXXX XXXXXXXX account number. Their Payroll would even show who was working that day. 

Lastly, once my family and I informed our landlord we were moving in XX/XX/XXXX, he then noticed that my rent deposits were not in the account. We both went together and met with the bank manager later on that day, she acknowledged that there was definitely a banking error and it was going to be fixed because it was a mistake that they, at Huntington Bank made, but needed a couple of weeks to correct it. She then took the handwritten account number, ( that I got from the blonde teller 2 years ago ), from my landlord for their files. ( I took a picture of if before handing it to my landlord. ) I am now being summoned to pay back a year 's worth a rent with late fees totaling more than {$60000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
TRANSUNION HAS REPORTED INACCURATE INFORMATION ON MY CREDIT REPORT SINCE XX/XX/2023 FILE NUMBER XXXX THEY NEED TO UPDATE MY NAME THE MIDDLE NAME IS INACCURATE REMOVE XXXX XXXXXXXX REMOVE OLD TELEPHONE NUMBERS 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 2023-11-19
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I spoke with someone from the the original phone number that told me to call to make a payment to settle my collection and when I called they told me I can not do anything through them I would have to contact the law firm in which my collections went to. When I asked if thag was the case why am I constantly getting spam calls and voicemail left from you guys then and not the firm that is the one in charge of the collection if you guys are not they told me they had no answer. So I asked them to stop contacting me and to have the law firm get in touch with me or for a way to contact them. They told me I could only do it through online and I told them they need to have someone speak to me directly or I will not be making any payment on the collection especially when it is so outdated and incorrect. Due to the fact that it sounded very inconsistent and weary. My phone brings up their number as spam calls and so I did not trust who I was even speaking to and they asked for my social etc. And yet they would not give me the information as to where I am supposed to even pay a debt collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My complaint is about my mortgage company, Pennymac Loan Services, not processing my payments. On XXXX XXXX XXXX, we called in a payment as usual to the automated symstem for our XXXX due date. 
At some point after XX/XX/XXXX we realized that the money had not been taken out of our account so we called Pennymac and they said that they had a note in the computer that it was it was called in on the XXXX but it hadn't gotten to the right department yet because they were backed up with their processing. We had approximately 3-4 more conversations before XX/XX/XXXX with Pennymac trying to follow up and they assured us that we would not be charged a late fee. However, on XX/XX/XXXX, we received our XXXX statement which reflected that we still owed for XXXX in addition to XXXX. We then called and spoke with a XXXX on XXXX. At that point XXXX rescheduled our XXXX payment for XX/XX/XXXX which we were later informed that it should not have been done that way as it made it look like a late payment. On XX/XX/XXXX we called back and spoke to XXXX who I think was the one who told us that the delay in processing was due to California fires which was also affecting many other customers but they were working on getting it straightened out. On XXXX we called our XXXX payment in to the automated system and it said payment was received. 
On XX/XX/XXXX we called back again and spoke to XXXX since the money for XXXX and XXXX had still not been taken out of the account. XXXX said that they had a new system and were behind on thousands of peoples accounts, not just ours, and to give them 4-6 days to get it straightened out. We called back on the XXXX and spoke to XXXX and she said that they were still working it. We were worried about our credit being adversely affected and potential foreclosure proceedings being started since the statements still showed us being delinquent and Pennymac gave us no documentation that the delay was due to their systematic issues. Finally, we called back on XX/XX/XXXX to see if they would give us documentation to assuage our concerns. They said they could not generate anything like that so we let them know that we would be filing a complaint since we were aware of people having foreclosure started on them unjustly when they were verbally assured that their account was in good standing even though the statements reflected otherwise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 had student loans services by XXXX, the federal student loan servicer. I paid these off in full on or about XX/XX/2023. 

I waited XXXX  months for my credit report to get updated to reflect that I paid these loans in full, but it never happened, so I contacted XXXX, and after they didn't respond I contacted TransUnion in order to have my credit report updated to reflect that this debt had been paid in full. 

After I submitted my dispute to TransUnion my credit report with them was updated. All of the accounts were marked as " Paid, Closed; was Paid as agreed ''. However, a mistake was made and one account also had the remark " SETTLED-LESS THAN FULL BLNC ; CLOSED '' added to it. This is incorrect, I paid this account in the full amount and did not settle it.

I disputed this account twice, and called TransUnion and nothing was done to fix this. My credit score dropped by close to XXXX points because of this inaccurate remark. All other credit agencies have this account marked as paid in full except TransUnion, and the student loan servicer does not dispute that it was paid in full and was not settled. 

I need this remark removed from this account. I've never settled any account for less than the full amount I owed.

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 2023-09-18
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I open an emergency cc card with price line to travel to California for my XXXX 's funeral. 
|Account Ending XXXX | XXXX XXXX XX/XX/XXXX - XX/XX/XXXX the amount was XXXX and I received a credit of XXXX dollars bringing the total owe to XXXX dollars. I started making payments until XX/XX/XXXX were the final amount. on Account Ending XXXX | XXXX XXXX XX/XX/XXXX - XX/XX/XXXX was paid in full. Previous Balance as of XX/XX/XXXX {$100.00}, Payments - Thank You - {$100.00} ( was received, acknowledged and paid in full ) Then additional charges were added by XXXX car rental, of XXXX : I called and spoke with customer service and reported these charges, they open a fraud investigation and advise me these charges would be removed as unauthorize charges. I am now getting phone calls to my personal cell phone and work phone saying that I owe the XXXX, late fees and interest.

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 2022-06-13
Company: JPMORGAN CHASE & CO.
State: MA
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 2 Hard Inquiries from XXXX XXXX and JPMCB applying for a credit card in my name on XX/XX/2022. This wasn't me. I called all 3 credit bureau ( XXXX, XXXX, and XXXX. ) I also notified XXXX XXXX to let them know and JPMCB that these applications were not me. I will also be filling a police report which has not happened yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I, XXXX XXXX, have communicated to the Credit reporting agencies that a collection account they are reporting has been paid in full. I have attached the Release letter from XXXX. The following account is to be removed from my credit report within 14 days : XXXX, XXXX ( Original Creditor : XXXX XXXX

Company response to consumer: Closed with explanation