BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-14
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer has missed my school property tax payment. 

- Due in the amount of {$2700.00} on XX/XX/XXXX. 
- The payment was not made. 
- Called customer service XXXX, XXXX to remind them that payment was now due on XX/XX/XXXX in the amount of {$2800.00} - Emailed property tax bill and details on XX/XX/XXXX to customer service and followed up with a phone reminding them payment was due on XX/XX/XXXX. 
- XX/XX/XXXX - XXXX XXXX to confirm payment was made. No payment was on file. 
- Emailed customer service on XXXX, XXXX to inform them that payment was not made timely and was now delinquent. 
- Called customer service on XX/XX/XXXX to follow up on whether payment would be made timely. Resent updated tax bill with penalties. 
- XXXX, XXXX - XXXX XXXX. No payment was made by service for school tax. 
- XX/XX/XXXX, received letter from collections lawyers saying payment was now in collections. 
- XXXX, XXXX - emailed collections letter to Mortgage service and spoke to customer service 5 times in the month of XXXX. 
- XXXX, XXXX, XXXX - no payment made by the deadline for debt collector and no communication from the mortgage servicing company. Payment remains outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: National Credit Systems,Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The collector is National Credit Systems and they are reporting negative information that should have been discharged in bankruptcy and it is adversely affecting my credit score in being able to secure a mortgage for a house this year and I think that they need to delete this information immediately or I will get my bankruptcy lawyer to seek punitive damages in a defamation lawsuit because of the negative information being reported inaccurately to XXXX Credit Bureau. There is a right of stay for a reason and they have broken the right of stay and I will seek legal damages if they do not correct it and DELETE THIS INFORMATION IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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: Problem with customer service

Complaint:
Aidvantage is acting in non-complaince with the CARES act and exercising willful negligence.. I am having issues communicating with Aidvantage. I called multiple times during different times of day to both the general customer service number, XXXX, and the XXXX XXXX number, XXXX. Both times I was put on an automated hold and waited for 5-15 minutes before I was hung up on and an automated service told me to leave a name, number, and the name of the specialist I was looking to speak to. This is obviously being done intentionally to stall out this process longer. I submitted my refund request in XXXX, XXXX weeks ago, and I am looking for answers. I do not have a refund, and my loan balances on my Aidvantage and XXXX home pages have still not even updated. I have a letter stating that my refund was submitted by Aidvantage on XX/XX/XXXX so why hasn't there been an update? I want Aidvantage to update my loan balance to reflect my amount being refunded, {$18000.00} within the next 15 days. I want Aidvantage to confirm that my request was fully processed and submitted to the XXXX, as well as the date it was submitted to the XXXX. I want Aidvantage to escalate and expedite my case in order for the XXXX Treasury to deposit my refund ( {$18000.00} ) no later than XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: M&T BANK CORPORATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This has been an ongoing problem for months. Just XXXX alone it happened 5 times ( XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX ). I am unable to use XXXX which M & T bank themselves encourages rather than traditional transfers without my transaction being flagged and blocked by their security. I call them everytime and they end up having to override it. On XX/XX/XXXX I was told they are unable to override it. I informed them that I am closing my accounts with them. I do not work XXXX XXXX XXXX so they can hold my money hostage.

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 2023-11-16
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 2. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 3. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  XXXX Account Number : XXXX under XXXX U.S.C. XXXX any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 4. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: EQUIFAX, 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:
This is my several endeavors 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 inquiries 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 alleged fraud or extortion. 
XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: CAVALRY INVESTMENTS, LLC
State: NV
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:
I never gave permission to access my credit report and perform Hard Inquiries to the companies listed here. 
1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX  4. XXXX XXXX XXXX  : I disputed below accounts with XXXX on XXXX. My dispute completed and XXXX did not deleted these accounts Collection Accounts : I do not know these collections accounts. 
1. CAVALRY PORTFOLIO SERVICE - {$1500.00} 2. XXXX XXXX XXXX - {$900.00} 3. XXXX XXXX XXXX - {$12.00}, XXXX. 
Credit Cards : I disputed below accounts with XXXX  on XXXX. My dispute completed and XXXX  did not update the accounts. 
I disputed Credit cards : Closed and Balance amount and Unauthorized charges 1. XXXX XXXX XXXX  XXXX XXXX - {$3700.00} 2. XXXXXXXX XXXX XXXX - {$1300.00} 3. XXXX  XXXX XXXX - Master- {$790.00} 4. XXXX XXXX XXXX Visa XXXX {$1800.00} 5. XXXX XXXX  XXXX XXXX - {$16000.00} Kindly help me. 
I am the Victim of HARD inquires, un-authorized charges. 

Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: FL
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:
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-05-26
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have filed several disputes with Equifax about hard inquires that O have no knowledge of nor did I give my permission to run my credit to these companies. Equifax refuses to help me. They refuse to tell me who they are confirming their info with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03
Company: Mountain Run Solutions, LLC
State: SC
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:
Consumer reporting agencies have a significant amount of personal information about consumers. This information is invaluable in assessing a consumers creditworthiness for a variety of products and services, including loan and deposit accounts, insurance, and utility services, among others. The FCRA governs access to this information to ensure that a prospective user of the information obtains it for permissible purposes and does not exploit it for illegitimate purposes XXXXThe FCRA requires any prospective user of a consumer report, for example, a lender, insurer, landlord, or employer, among others, to have a legally permissible purpose to obtain a report. Transaction Dispute/ Request for Fraudulent Transaction Information Made pursuant to Section 609 ( e ) of the Fair Credit Reporting Act ( 15 U.S.C . 1681 ( g ) ) XXXX XXXX STERN RECOVERY SERVC ACCOUNT NUMBER MISSING NOT REPORTED XXXX XXXX XXXX XXXX XXXX NC XXXX Dear Sir or Madam : As I already reported via telephone, I am the victim of identity theft. I am writing to dispute a fraudulent [ charge/debit ] on my account in the amount of {$33000.00}. I am a victim of identity theft, and I did not make this [ charge/debit ]. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 

Pursuant to federal law, I am requesting that you provide me and/or the listed Law Enforcement Designee, at no charge, copies of the transaction details and business records in your control relating to the fraudulent transactions. A copy of the relevant federal law is enclosed.

In addition, I am enclosing a copy of sections 609 ( e ), 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 

Please investigate this matter and correct the fraudulent [ charge/debit ] as soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 609 ( e ) ,605B, 615 ( f ), 623 ( a ) ( 6 )

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Experian Information Solutions Inc.
State: AL
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 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 2023-05-26
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent several letters in the past 2 months to all three credit bureaus to try and get rid of inaccurate information off of my credit report I should only have 2 addresses reporting on my credit report XXXX XXXX XXXX XXXX IA XXXX and XXXX XXXX XXXX XXXX XXXX mo XXXX I do not receive any us mail at any other addresses which makes them inaccurate that is someone else 's address reporting to my credit report and they keep saying there is nothing I can do to remove the address but according to the law I read they can not report inaccurate address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31
Company: EQUIFAX, INC.
State: NY
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 have looked over my credit report and there are fraudulent accounts on my consumer report that are fraudulent. Any unathorized account is considered identity theft. Under the FCRA written by congress at the receipt of an identity theft report, which is attached, a consumer reporting agency has 4 business days to block these fraudulent accounts. I, XXXX XXXX did not receive and will not receive goods, services, nor money for this block. Neither was this request made by error nor is the identity theft report a misrepresentation of fact being that it is directly from the Federal Trade Commissions website, who by law is authorized to enforce compliance. Therefore there is nothing preventing the blocking of these fraudulent accounts as said so by congress under the FCRA. Unless your consumer reporting agency is able to provide me, XXXX XXXX who is the consumer, a proof of validation of any of these alleged debts from the creditors within 4 business days, there should be NO reason why I would have to wait for an investigation with the creditors/furnishers before the necessary blocking of these fraudulent accounts. NO company policy is above FEDERAL LAW. With that being said there should be NO comments on my consumer report saying that these fraudulent accounts are in dispute, especially since I, the consumer DID NOT request for these accounts to be disputed but blocked, and I have also provided everything needed, pursuant to 15 USC 1681c, for this fraudulent information to be blocked no later than 4 business days. Please also mail me confirmation of this block along with an updated consumer report showing this block. Along with this statement, I have attached both the identity theft report and proof of my identity which is my license and proof of address. The fraudulent accounts that need to be blocked are listed below. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Experian Information Solutions 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:
I have XXXX  New Inquiries on my credit report ( Experian, XXXX ) that are fraudulent. The companies making the inquiries are XXXX ( XXXX  times ), XXXX XXXX, and XXXXXXXX XXXX  XXXX. The fraudulent inquiries were made XXXX XXXXXXXX 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 explanation
Consumer complaint received 2021-03-15
Company: Grain Technology, 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: Information belongs to someone else

Complaint:
I obtained my consumer report on XX/XX/21 and I have negative late payment remarks reporting that I believe are inaccurate and not fair to my consumer rights. I do not consent for my information to be reported to non affiliated third parties. This inaccurate reporting to the bureaus of my information needs to be stopped immediately according to 15 U.S.C 6802 section ( b ) I have this consumer right according to 15 U.S.C 1681a section ( b ) I have the right to authorize exclusion any information or credit given to me as the consumer from being reported. My information being reported is not only inaccurate and impacting my life as a consumer but is causing me incredible amounts of emotional distress.

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 2023-08-26
Company: EQUIFAX, INC.
State: NC
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03
Company: Experian Information 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01
Company: ROBINHOOD MARKETS INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have created an account with Robenhood trading system to invest some cash into the stock market. And I transferred $ XXXX into the Robenhood account trading for the first time I spected to lose or make profit but I expected a fair investment but one day I seem a stock call XXXX XXXX XXXXXXXX XXXX seems to be increasing in value I decided to purchase that stock. I purchased the stock and in less than 20 minutes the stock dropped down from scratch and I lost almost all of my money. I feel that it's like a scam someone playing the system to make people buy those stock to still the money from us. I contacted Robenhood and the reply from them was that they don't control the price of the stock that is why I'm seeking for help because not too long after that happens to me I've seen the new a young man was XXXX  due to something similar to my history.

Company response to consumer: Closed with explanation