BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-03
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : 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 explanation
Consumer complaint received 2019-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 tried to get the XXXX XXXX hard inquiry off my credit report I tried to contact XXXX XXXX on their email web but it is a joke It keeps saying that I have invalid characters in my message. They Have no other way to email them to get the details of the XXXX hard inquiry details. I can't get thru on their customer service line. XXXX XXXX is still on my credit report. I did not give them permission to access my credit.

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 2021-04-02
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I applied for unemployment and opted to have my benefits direct deposit into my cash app account. I received a deposit and began to spend it. Two days later my account was frozen and I received an email stating I violated the terms of service, but no actual violation number or explanation of the violation. My account remained frozen for 2 weeks and then {$3700.00} was debited and customer service emailed me and said the money was sent to unemployment but unemployment says they never got a payment from cash app and requested a transaction number in writing. Cash app customer service stopped helping. Cash Apps parent company is : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: IL
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 earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent.

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 2023-09-07
Company: Maximus Education, LLC dba Aidvantage
State: NY
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:
On XX/XX/XXXX, I paid off my student loans. I made this in one payment of {$80000.00} and one for {$48000.00}. I then submitted a duplicate {$48000.00} and told them not to process the duplicate. They processed {$120000.00} and I received email confirmation of that. One account of mine was debited for {$80000.00} and the other for {$48000.00}. The payments showed up on my ledger as processed, and also showed that Aidvantage reversed the duplicate payment for {$48000.00}. My ledger went to zero money owed. 

On XX/XX/XXXX, I was informed by Aidvantage that I had successfully paid off all my student loans, in a letter saying, " Congratulations on paying your loans in full. 
We received your final payment on XX/XX/XXXX. '' My ledger showed zero, and I separately received email confirmation they received {$120000.00}. 

On XXXX ( in a letter dated XXXX ) I was informed that a payment of mine was not processed on XX/XX/XXXX ( ten days prior to being informed that my loans were totally paid off ) due to customer revoking authorization for a {$29000.00} payment. However, the full {$120000.00} had been debited from both my accounts, and the {$29000.00} has not been returned to me on XX/XX/XXXX. On XXXX ( in a letter dated XXXX ), I was informed that a payment of mine for {$19000.00} had been returned to me on XX/XX/XXXX. 

On both occasions, NEW entries on the ledger showed up for XX/XX/XXXX showing payment reversal, which NEVER occurred. I NEVER had any money returned to me and my bank accounts were debited for the full sum of my accounts. In fact, the XXXX XXXX account they claim they reversed the payment to was closed the day after payment confirmation was received, so I don't even know how they would have reversed the payment : and they aren't providing any explanation of where they supposedly sent it. 

So Aidvantage has taken the full {$120000.00} from me but is claiming that I still owe {$48000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I do not understand why accounts are not reflecting true information about my reporting. I have written below all the discrepancies. 

I request to be provided specific proof that these alleged late payments were in fact late. I requested to see all statements and payment transaction records from the creditors and credit bureaus that would prove that my payment was not submitted on time. 

I sent each of the credit bureau/s the letter attached and certified on XX/XX/XXXX, certified made it to them on XX/XX/XXXX and they have yet to respond. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Both the creditor and credit bureaus have failed to provide and verify these items for accuracy and unable to provide proof, as well as lacking proof of these payments being late. 

XXXX, XXXX Acct # XXXX ] [ XXXX/DEPT OF ED Acct # XXXX ] 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 non-monetary relief
Consumer complaint received 2023-04-22
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
In accordance with the Fair Credit Reporting Act, the following list of accounts are in violation of my FEDERALLY PROTECTED consumer RIGHTS to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX and account number ending in XXXX Portfolio Recovery Associates and account number ending in XXXX Portfolio Recovery Associates account number ending in XXXX Portfolio Recovery Associates account number ending in XXXX Portfolio Recovery Associates account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX ) 15 U.S.C 1681 SEC 602 ( A ) States I have a RIGHT to Privacy. 2 ) 15 U.S.C 1681 SEC 604 ( A ) SEC ( 2 ) : States a consumer reporting agency CAN NOT furnish an account without my written instructions. 3 ) 15 U.S.C 1681c. ( A ) SEC ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 4 ) 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 consumer knows or has reasonable cause to believe that the information is inaccurate. These accounts have another name on them and a different address which Ive never lived out of California. These items must be DELETED immediately and a rapid re-score is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Bridgecrest Acceptance Corporation
State: NC
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:
Hello Ive been an outstanding consumer of bridge crest. I had 2 vehicles at one time, paying off faithfully. Bridgecrest Website shows inaccurate information. It stated no payment due, then will change without notice. I have attached proof of their faulty site. Which shows XXXX due yet {$210.00} was due. Once I found out their website was faulty, I called and set up payment arrangement with rep. The loan company reported me late 3 times on my report XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXwhich is incorrect, I never was late for these dates. I made the agreed upon payments. I have since brought the accts to being current, even paying one off in full. Ive called the auto loan company5 times, wrote in, and disputed with credit bureaus. but nothing was changed. I am trying to buy a house and this is the only thing holding me back. Thank you for taking the time out to read/help with this devastating time in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Paypal Holdings, Inc
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XXXX of XX/XX/2019 there were 5 cases opened on my PayPal and there was a negative balance placed on my account. The party that has been trying to get this resolved ( XXXX PayPal account ) contacted XX/XX/XXXXand PayPal to see why the charges were returned. XXXX XX/XX/XXXXstated that the account was flagged in fraud and PayPal reversed the charges causing the negative balance. XXXX XXXX ( XXXX ) stated the account should have never been flagged for fraud because the charges were valid, the only thing that should have been flagged for fraud were the security charges for the credit card she never signed up for. XXXX XX/XX/XXXXrefused to put the charges back on the account and to contact PayPal to have the negative charges removed. PayPal refuses to remove the charges as well. I have proof that the other party has sent in complaints to get this fixed. This balance is not mine and I do not claim it. I want this removed from my account before a harassment suite is filed, attached are the different phone numbers PayPal contacts from and the proof that the charges should have been removed in XXXX because I have buyers protection. My PayPal account ( XXXX ) does not owe this balance and I am not responsible for these charges. I want the harassing calls and emails to cease. Trying to collect on a balance that is not owed by the party is illegal. PayPal has breached the law, and a harassment suite will be filed if these charges are not removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01
Company: BREMER BANK, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Im not signed up for overdraft protection with my bank ( Bremer Bank in Minnesota, ) so I shouldnt be receiving overdraft fees. Ive complained about this to the company multiple times, reported them to the CFPB and again theyve hit me with {$70.00} in overdraft fees. This is a bad faith effort to take money from the poor on their part. I dont need to be called about this I just need a refund and an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Nelnet, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Department of education/ Nelnet has been reporting false information to my credit and also trying to collect on several accounts that do not belong to me, I have mailed letters to them and also the credit Companies with no resolution. I have also requested verification from both parties and no legitimate documents have been sent to verify that these account belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I obtained my XXXX  and Experian credit report there were US Bankruptcy Court items listed on my credit report as per the FCRA 623 ( a ) ( 5 ) if the credit bureau can not validate the information with the original creditor they must remove the said information. XXXX  and Experian has failed to provide me with the requested information, which is a Fair Credit Reporting Act Violation because they are supposed to verify with the original creditor. Experian sent a response stating that they have already verified the information and will not verify it again. I contacted the US Bankruptcy court and they said that they do not verify information with the credit  bureau. I also received a copy of my XXXX XXXX report and it does not show a bankruptcy record on my XXXX XXXX report. I need all the Bankruptcy information currently showing under my social security number permanently deleted from my credit report immediately. Attached is a copy of the XXXX XXXX report showing no bankruptcy record and a copy of my XXXX  report showing 2 of the bankruptcy 's deleted and I thought that the credit bureaus use the same method of verification.

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 2020-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX has put this debt on my credit multiple times. I found the last complaint with the CFPB involving trans union that resulted in the removal. Complaint ending in XXXX. At that time XXXX XXXX did not supply Trans union with documentation confirming the debt and it was removed due to the debt being erroneously put on my report. You can find this compliant that was submitted to the CFPB on XX/XX/2018. XXXX XXXX has a history of putting incorrect information on peoples credit reports which can be found at this link https : XXXX 


At this point, Nothing further should be needed from me. This debt has been proven countless times to not be mine. Again, when a debt is found to be erroneous, it is illegal to re report that same debt to the credit bureaus. I received a letter from trans union that they did not see the account reported any longer. XXXX XXXX, if you have re reported again, please comply with the law and remove effective immediately.

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 2023-08-16
Company: Experian Information Solutions Inc.
State: IL
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 urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2023-09-07
Company: Maximus Education, LLC dba Aidvantage
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Back in XXXX, I called AidVantage twice and emailed them once to get information on how to make weekly or biweekly payments on my student loans instead of the standard monthly payments. Both people I spoke to at AidVantage said it was possible and that they would email me instructions on how to do it. I pushed for them to give me instructions over the phone but neither would provide them verbally. I never received a response either time. The response from my email request was non-sensical and did not answer my question ( see attachment ). The allocation is not what I want to change, but rather the frequency of the payments scheduled. There is no answers in their FAQ page or their XXXX page. When typed into the Help section on the website, it does not give me any information on changing the frequency of payments, only information on overpayments. I simply want to break my monthly payment into weekly payments to save on interest since interest accrues daily with student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
XXXX is reporting a bankruptcy from the XXXX XXXX of Kentucky. I do not have a personal bankruptcy in the XXXX XXXX of Kentucky. The XXXX XXXX of Kentucky did not verify this information to XXXX and I have asked XXXX to freeze my all information regarding my name and personal information. XXXX, XXXX  and Equifax can not verify a bankruptcy that does not exist and therefore violating the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: National Credit Adjusters, LLC
State: TN
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 sent notification to a different debt company XXXX XXXX last year company years ago notifying them of Identity theft breaches with XXXX, XXXX, and XXXX  and let them know that I had no knowledge of the account at the time and would like ALL original paperwork so that I could put it with my FTC fraud filing. I never received any correspondence from XXXX XXXX and the account was deleted from my credit reports. and NCA apparently purchased this fraudulent account. I was just notified by my fraud monitor that NCA has created a fraudulent identity theft account stating that I opened a NEW account with them XX/XX/2023 in the amount of XXXX plus dollars. It has been reported to XXXX and XXXX. I have had issues with all three credit bureaus even getting access to my credit reports for over a year now and now that I have access they're allowing a fraudulent account to be placed on my reports despite me having a fraud and Identity theft alert in place. This is ridiculous that I keep having to fight these illegal issues!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I would like the company in question to send me all the information I requested to validate the debt as belonging to me. If they are unable to provide the information in the tile allowed by their governing body, they should refrain from reporting the information to the credit bureaus, remove my information from their internal books and never sell, or forward my information to any other company with mean of collecting a debt from me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Global Lending Services LLC
State: SC
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:
On XXXX XX/XX/2020, I went to buy a car from XXXX XXXX in XXXX, SC. The car salesman and I agreed that my credit report was suppose to been pulled once but instead they did it 3 times. After finding out they just apologized but didnt want to help.

Company response to consumer: Closed with explanation