BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-03
Company: Maximus Education, LLC dba Aidvantage
State: OK
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 take my credit very seriously and set up autopay with Aidvantage early on, before the forbearance ended. Received confirmation on XX/XX/ that my payment was received then several days later I received a notice that my account was overdue. I could not figure out what happened. Eventually I found within my account that my payment had been reversed. I tried to make a separate larger payment and then the same thing happened. I then deleted my banking information and re added it thinking I could have entered my account incorrectly or something. But yet again after it processed I received a thanks for your Payment email but then found it was reversed again. Im very frustrated because I feel Im being unfairly charged interest/fees when Im just trying to pay. I also want to take advantage of the .25 % interest reduction for autopay. Lastly I have mailed a check and hopefully it will work. This is the same bank account Ive had for decades I recently had autopay on a car loan and use it for credit cards and it was even the same one that I had for fed loan for the same loans before all these serviced charges happened. This is pretty ridiculous and causing me undue frustration. 
I have tried calling and just witnessed a long wait and never talked to anyone. I emailed and never got anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
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: Their investigation did not fix an error on your report

Complaint:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: MA
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 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 2021-05-23
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
After closing the personal checking account, Chase Bank failed to honor its written statement to remit {$380.00} to my address of record. In a letter dated XXXX XX/XX/2021, Chase Bank claimed to have mailed a cashier 's check on XXXX XX/XX/2021. I called Chase Bank on XXXX XX/XX/2021 after waiting more than 10 business days and no one from Chase provided any information or updates. After insisting upon getting information, Chase Banking representatives claimed that my calls were abusive and blocked all of them. 

I later discovered that the toll free number to which Chase had directed my calls was not the direct line to its Executive Office, but another number to its investigative arm of its Fraud Department. All the customer service agents to whom I directed inquiries about the check work as investigators within the Chase Fraud Department and have no direct connection to Chase Executive Office. The Chase Fraud Department has opened its own internal investigation, has used inaccurate personal information it gained from old credit reports after using XXXX to track a person. The Fraud Department set up the toll free line not to resolve the check refund issue, but to gather information to find inconsistencies in my claims. 

Chase Bank representatives interact with me harshly by acting like this situation has become part of some criminal investigation because I am an XXXX XXXX woman. Therefore, Chase Bank has zero intention on refunding the {$380.00} from the account it closed. Though Chase may insist it reserve the right to close accounts for any and no reason, I have the right to demand accountability. 







The bank has zero intentions of refunding the money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: The Phoenix Recovery Group
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 XXXX XXXX contacted me requesting payment of {$90.00} for a forced insurance policy, and two duplicate charges. I responded the same day and told them that the bill was incorrect and asked for proof of the charges. On XX/XX/2023 they replied and still did not provide an itemized receipt but instead verbally told me I had not paid my electric bill. On my account I had paid for XXXX already but needed to pay for XXXX - XXXX and the pro rated rent. I requested that they remove the duplicate charge for XXXX - XXXX and the forced insurance charge and they refused and demanded that I pay twice. On XX/XX/2023 they emailed again and I requested to speak to a member from their accounts team as this issue was not getting solved. Then they sent me an email on XX/XX/2023 saying that I had actually owed XXXX which does not make sense because I moved out on XX/XX/2023 and additional charges to my account without receipt from the electric company, despite being requested, does not seem correct nor legal. Following that I emailed them every week asking if they could open my account so I could pay and they ignored every email and sent it to collections. This amount sent to collections is wrong, at most I owe this company {$40.00} which I had all intentions of paying directly to them and asked several times to be able to do so but they refused to let me and predatorily sent it to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Ive been a victim of identity theft been reporting to XXXX, XXXX and This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. 

{ dispute_item_and_explanation } I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscribers. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is at this moment requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Some how fraudulent information still auto verified when the merchant account is linked to an address that Ive never stayed at nor is it 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 non-monetary relief
Consumer complaint received 2022-07-06
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2022 we received the enclosed loan modification offer from XXXX which set the new modified payment on the XXXX loan at {$9100.00}. After a review of this modification we contacted XXXX to see if there was an option to review/appeal this modification with a possibility of a lower payment. We began that process and we were instructed by XXXX employees to hold off on sending in the modification with the first payment until the review/appeal process was completed. Obviously, we were concerned that the due date in this modification was XX/XX/2022 and discussed this with XXXX representatives who assured us that as a result of the appeal, we had until the end of XXXX ( XX/XX/2022 ) to submit the signed agreement and make the XXXX payment. To that end, on XX/XX/2022, we spoke with XXXX employee identified as XXXX Id # XXXX who confirmed that there were notes on the account that indicate that there was a 30 day grace period, from XX/XX/2022 to make the loan modification payment and return the signed agreement by XX/XX/2022. During that call a follow-up on the appeal was scheduled for XX/XX/2022. Thereafter, follow-up calls were scheduled and on XX/XX/2022, XX/XX/2022 and on XX/XX/2022 we spoke with the XXXX  on this account, XXXX XXXX XXXX During those conversations, XXXX XXXX confirmed that the appeal and proposal to reduce the payment had been submitted to the investor on the loan and that this was under review and that the extension to send in the 1st payment and modification agreement by XX/XX/2022 was in place. On XX/XX/2022 XXXX XXXX attempted to flip the script and began to misrepresent what had transpired over the course of the appeal process. The phone calls throughout this process have been recorded. We respectfully request that someone at the executive level get involved in this file, review the recorded calls and rectify the situation immediately. On XX/XX/2022 we enclosed the executed modification agreement along with the 1st payment as was agreed with XXXX employees in a XXXX  envelope sent to XXXX XXXX XXXX XXXX for delivery on XXXX XXXX  has responsibilities under the law as part of the COVID pandemic relief programs that were instituted both Federally and under State mandates. It is our hope that XXXX will process this modification in keeping with the representations made by their representatives and put this matter to rest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've authorized to gain products, services, or money. Please remove the following 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 2023-09-20
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I unfortunately had been laid off from my job. I knew I had a balance I had to pay PayPal Credit roughly about {$850.00}. I contacted PayPal Credit via phone and spoke to three representatives about my situation and asked if they had any financial relief programs. The representatives stated they did not have any programs, but they could help me so my account would not go delinquent. The representatives stated that if I made post dated checks every month that I would not hit the 30-day late marker and the balance would be carried over until the {$800.00} was paid. 

I was told I needed to set this up with my checking account, and I gave the representatives my Debit card number in XX/XX/XXXX to start a first payment in XX/XX/XXXX. The following month I gave a new representative my checking account information for payments starting in XX/XX/XXXX. 

As XXXX went on and I continued to make the post-dated check payments, I thought everything was in order. I checked my credit score at the end of XX/XX/XXXX and I was shocked to find out that my score had plummeted 90+ points. I realized it was from PayPal Credit and I immediately placed a call to find out what was going on. 

I spent hours on the phone with multiple representatives and come to find out that PayPal credit had not set up my monthly payments correctly. The last representative told me that the automatic monthly checks were over the 30-day credit reporting and that is why my account went delinquent with months of a late payments. Also, during my payment arrangements every month, the representative notified me that PayPal was now using Synchrony Back as their creditor. The representative said they would submit for correction, set me up on a correct relief program of XXXX XXXX  monthly payment, and I should see an update within 30 days of our call.

With a few weeks I noticed that my score had gone back up. Then, not even 2 weeks later my score dropped again, from PayPal Credit. I called and spent more hours on the phone talking to representatives. They told me I had an outstanding balance of {$200.00} and that is why my score went down because it was still revolving as past due. I told the representative that when I called last time, I was told everything was paid up to date. After spending an hour on the phone, they said there was nothing they could do to resolve the issue.

I have spent hours on the phone with PayPal representatives with no correction or an apology of the misinformation that has been told to me.

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 2021-05-23
Company: National Credit Systems,Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
National Credit Systems : Account XXXX National Credit Systems is inaccurate reporting an item on my credit, XXXX  XXXX XXXX and XXXX are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurrate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit dispite my several attempts to contact National Credit Systems and XXXXXXXX XXXX  and XXXX correct and remove this inaccurate info from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX account # 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 2019-10-15
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2019 : The Paypal phone app informs me that I can not transfer {$2500.00} to my verified bank account. I called Paypal customer support. 

Transferred to Transactions department. 

1st line person in Transactions Department admits that she can not see why I can not transfer my account balance to my bank account. 

She transferred me to her supervisor. 

Supervisor says that I can not transfer the balance to my bank account because my account is " limited '' ( Restricted in what it can do ). She transfers me to the Account Limitation department. 

I follow the prompts from Paypal 's website and clear the limitation by creating a new password. 

The Account Limitation department 's 1st level person confirms that the limitation is removed and that the transaction should go through. When I inform her that the system is still rejecting the transfer of my balance to my bank account, she tells me that the system is probably restricting the transfer because the account has not been used for this size of a transaction previously. 

I ask her how much the system will allow me to transfer. She says " Try {$500.00}. '' She says that " No one can control the system. '' I tell her that the system is not magical and that I just want to know how much I can transfer, without trial and error. She does not know how much can be transferred. She admits that she is ignorant of that information. Paypal has not trained their staff sufficiently to inform customers of the restrictions on their transfer of their account balances. 

She transfers me to a manager.

The manager, " XXXX '', is also in the Limitations Department. XXXX tells me that the account has not accepted the clearing of the limitation and that I must wait 24 hours. He is condescending in saying he " is sorry that [ I ] feel that way '' and hangs up.

Time used on call was 2.5 hours. 

I have found that severely compartmentalized information, very long hold times, and transfers to multiple departments to be the common process with Paypal. In my role as an attorney, we had an estate with funds in the decedent 's Paypal account. Paypal would not release the money for 9 months, until we finally involved the CFPB. The check was then received 2 weeks later. 

This is a pattern and practice of Paypal to force customers to leave money in their Paypal account. Ostensibly, it is so they can earn interest on the money. 

This is a fraudulent financial practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief