BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-24
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, and 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAD NO IDEA I HAD THIS DEBT IT IS A XXXX CREDIT CARD OPENED XXXX AND CLOSED XXXX I HAD TRIED TO REFINANCE MY HOUSE AND FOUND OUT THE COMPANY SOLD IT TO XXXXXX/XX/XXXX WHICH THEN WENT TO A LAWYER WHERE THEY PUT A LEIN AGAINST MY HOUSE, I CALLED THEM XXXX AT XXXX XX/XX/XXXX AND SPOKE WITH XXXX XXXX SHE SAID SHE WOULD GET THE INFO TO THE LAWYERS AND THEY WOULD BE BACK WITH ME WITHIN 24HRS AND I GOT A EMAIL BACK AT XXXX SAYING THEY COUNTER OFFERED I DO NOT OWE THIS DEBT BUT TO RUSH THINGS ALONG ON MY HOUSE REFINANCE I TRIED TO SETTLE THE TOTAL AMOUNT WAS A LITTLE OVER XXXX I OFFERED XXXX, THEY COUNTERED WITH THEY WILL ACCEPT XXXX AND PAYMENTS ON THE REMAINING TOTAL OF XXXX. I DONT KNOW HOW TO CHECK ON THIS AND I DONT FEEL ITS MINE CAN YOU HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: TX
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Kriya Capital, LLC
State: GA
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:
On XX/XX/2022 I submitted complaint # XXXX. The intention is not to submit a duplicate complaint for the same issue but to highlight the fraudulent and deceptive business practices as I stated in my initial complaint against XXXX XXXX XXXX. In XXXX of this year I got a bill from XXXX XXXX XXXX for a past due account that is not mine. I explained to XXXX over many calls that my mobile service for the last 6 years has been through XXXX and with XXXXXXXX XXXX prior to that time frame. I also advised that my current internet and cable service is with XXXX XXXX and prior to that with XXXX XXXX. Upon explaining this, at no time was any of the managers I spoke with able to find the product or billing info of the XXXX & XXXX account. But XXXX XXXX XXXX sent the account to collections anyway with Credence Resource Management LLC. XXXX XXXX XXXX response after I complained to the CFPB, was to send me the attached form within to be completed online so they can investigate my complaint. The problem is that the web address for the complaint they reference in the letter does not exist at XXXX I have attached the letter and the XXXX search that shows no world wide web site listing for the web address noted. I am tired of the games these companies are able to play while corrupting my on time payment history with an account that does not belong to me. I want the account deleted immediately. It is a fraudulent billing, they have given a fraudulent web address to respond too, because they practice fraudulent procedures. I want this account deleted immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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/2020 i sent a letter regarding inaccurate and unverifiable accounts reporting on my credit report its been over 30 days i have not received and documents/original application that prove the this account is valid i feel like im being harassed with numerous phone calls about an account i have no knowledge of i have also been ignore my request to verify. section 611 ( a ) it is stated failure to investigate/verify these items within 30 days items have to be removed from my report immediately it has been well over 30 days so this inaccurate information should be deleted promptly. i demand this account be deleted immediately or i will file for litigation due to the stress been cause on 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 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
My XXXX  profile is updated with showing my current credit utilization and recent payments for the month of XXXX, but XXXX  and TransUnion is not updating my two open accounts. The information is not changing and only staying the same. 

I am making payment and keeping my utilization low but TransUnion and XXXX  is failing at reporting my currents updates. They are not reporting or updating my profile like they should and how XXXX  is.

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 2023-09-25
Company: Experian Information Solutions Inc.
State: NY
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 numerous endeavor 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 records 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 an alleged fraud or extortion. 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 explanation
Consumer complaint received 2023-03-20
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 and Transunion are showing several accounts that are not mine and a result of identity theft / fraud. 
I am prepared to file suit against all 3 bureaus as this is causing a lot of conflict when I am applying for things. 

XXXX : XXXX XXXX XXXX : open XX/XX/XXXX balance 0 Charge off XXXX XXXX XXXX XXXX : open XX/XX/XXXX Balance {$1800.00} Collection XXXX XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$540.00} Collection XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$4800.00} Collection XXXX XXXX XXXX : XX/XX/XXXX Balance {$1900.00} Collection XXXX : XXXX XXXX XXXX : open XX/XX/XXXX balance 0 Charge off 2 times on report XXXX XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$540.00} Collection 2 times on report XXXXXXXX XXXX XXXX : Open XX/XX/XXXX Balance {$4800.00} Collection 2 times on report / XXXX XXXX XXXX XXXX : open XX/XX/XXXX Balance {$1800.00} Collection Transunion : XXXX XXXX XXXX XXXX : open XX/XX/XXXX Balance {$1800.00} Collection XXXX XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$540.00} Collection XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$4800.00} Collection XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance {$1900.00} Collection XXXX XXXX : XX/XX/XXXX {$530.00}

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 2021-11-22
Company: Experian Information Solutions Inc.
State: NY
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:
Re : Requesting a Method of Verification Letter To Whom It May Concern, I recently received an answer to a dispute which state that the accounts XXXX XXXX XXXX XXXX and XXXX XXXX were verified according to the information that you have on file. Very Respectfully, I am sure there was an error in the outcome of your decision. I am requesting the Method of Verification for the following disputed accounts : XXXX XXXX XXXX XXXX and XXXX XXXX. This is in accordance with the Fair Credit Reporting Act XXXX ( a ) ( XXXX ). This is a request under FCRA XXXX ( a ) ( XXXX ) Description of reinvestigation procedure by your bureau in providing all information to the creditor associated with my earlier dispute under FCRA XXXX ( a ). A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( iii ) by not later than XXXX days after receiving a request from the consumer for that description. Please provide me with all of the information you used for your investigation, as required by FCRA XXXX ( a ) ( XXXX ). Please reply within XXXX days or delete the items, as originally requested.

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 2023-05-04
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage loan was transferred from XXXX XXXX to SPS ( Select Portfolio Servicing INC ). I have always made our payment online. I just made our first payment with SPS online ( https : //www.spservicing.com/ ) and I was charged a {$5.00} fee to make a payment online. I do NOT agree with this charge and I believe it's against the law for a new servicing company to charge a fee to make a payment especially when that payment is made online with no human assistance. Over the life of our loan this would result it more than {$1800.00} in fees. The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that provides limitations on what debt collectors can do when collecting certain types of debt. I believe this fee is unnecessary and I do not agree with it at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Securus J Holdings, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
After making a money transfer with JPay on XXXX XX/XX/XXXX I was hit with a {$10.00} cash advance fee by my credit card company. Per my credit card bank it is due to the JPay charge on XXXX XX/XX/XXXX being processed as an actual cash advance that is up to the merchant to decide on how they process the payment. Meaning that JPay did this on purpose as they have the choice to process it as a normal credit card purchase which this is. I have made 5 previous money transfers using JPay since XX/XX/XXXX and none of which were processed by JPay as a cash advance. While their site says credit card users " may '' have this happen. It has not happened previously over the past 1 and a half years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-10
Company: The CMI Group, Inc.
State: NJ
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:
Someone fraudulently opened an account in my name in XXXX, Texas using my social. 

XXXX XXXX Acct # XXXX {$100.00} Address : XXXX XXXX XXXX XXXX. 
Unit # XXXX XXXX, TX XXXX This is not my account it is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13
Company: ECMC GROUP, INC.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon reviewing my credit report there are 4 opened/closed accounts ; originally owned by XXXX XXXX XXXX XXXX. The Company ECMC retrieved the dropped accounts and reopened them on XX/XX/2019 after I started a dispute against the loans with XXXX. I reached out to ECMC requesting that they provide me a signature of my approval of the loan but they couldn't provide a statement of account of my signatures attesting of ownership or a full account number of the schools documentation of attending the school. They did send a promissory note with my name typed in .... which is not my original signature nor ever sent to me via email or in person to sign. 
It is to my understanding that the report came from XXXX XXXX a school I have not attended. ECMC also disclosed that the review that I requested by the education department is still not yet clear if I am approved or not for student loan debt relief. The loan account number for ECMC is listed XXXX ... with the other numbers hidden. When I asked to give me the full account number for my report, they stated that they couldn't provide me with that information because it wouldn't help my case in submitting another dispute and insisted that your department will have the account information needed to process my complaint the account are as follows : Account XXXX. XXXX Account XXXX. XXXX Account XXXX. XXXX Account XXXX, XXXX Totaling : XXXX By the provisions FCRA15USC-section 1681I of the fare credit report act of 197, the items listed above be reverified and deleted from my record. These items do not belong to me. Also in FCRA 15USC-section 1681I part 5 and 6 states that I should be notified when the items have been deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
There are inaccurate accounts on my credit report.

U.S.CODE 1611-CRIMINAL LIBILITYY for willful and knowing violationly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

15 U.S.C. 6803 -Disclosure of Institution privacy policy 16 C.F.R 433.2 Preservation of consumer 's claims and defence, unfair or deceptive acts or practices.

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 2023-10-06
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have called this company three times in the last month. I wanted my balance before my debt was transferred but they failed to send me the information. I paid XXXX XXXX of my own money but the loan that I see doesn't reflect that. I was told I was going to have a XXXX dollar payment from my last loan company XXXX XXXX XXXX They were a great company. Very helpful and answer the phone. but aidevantage said it will be XXXX. Then I went on the SAVE plan and aidvantage said it would change to XXXX. Then aidvantage still charged me XXXX. Please help. It's an hour wait every time I am on the phone and the representatives all tell me different things and they do not know how the repayment plans work. Also my loan keeps going up even though I am paying all the interest plus some of the principle. I work hard and I do pay my debt it's scary to just see it keep going up. Please help. I am currently on hold for 45 mins hopefully they will answer soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Bank of America denied my claim of XXXX $ at a XXXX XXXX. First of all, I had my credit card in my possession. I dont understand HOW OR WHY a person can have 2 different credit cards with the same account with the same bank. 
The fraudulent charge was made with another credit card ON MY NAME. They denied my claim giving me stupid reasons : because my pin was used or that I signed the receipt which means I was there and approved the transaction. YOu dont need a PIN to use a credit card and for the signature, my name is on the card! 
WHY would 2 CREDITS CARDS with the same account be ever activated? 
Mind you they sent me those alerts messages asking if it was me that day which I REPLIED NO but they still went ahead and approved the transaction. 

I have been with this bank for close to 10 years now, no priors or similar problems ever occurred. I have been calling for weeks to get a solution the only answer they keep giving me is to WAIT. 

Also, as you will see on the photo, there was a previous attempt to use my card on an XXXX XXXX for XXXX in XX/XX/XXXX that was declined. I called to let them it wasnt me and the person I spoke to didnt advise me to file a claim since the transaction was declined that day. Four months later a different card ( with my name ) was used at a XXXX XXXX  and they charged me even when I reply NO to the alert message and they denied my claim?

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 2022-04-15
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I have submitted dispute to the credit bureaus on numerous occasions to get these fraudulent items removed. These items still remain on my credit reports, but have not been verified by me. I have not seen a contract or my signature on any of these accounts. I have the right by law, to be shown how an account is proven to be mine, and the credit bureaus have not done that,

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 2022-10-10
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The original creditor XXXX CLOSED the account of {$280.00} an unauthorized account was opened by I C SYSTEM INCORPORATED on XX/XX/2021. Nothing is due to I C SYSTEM INCORPORATED because I never agree to a contract with them.

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