BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: Maximus Education, LLC dba Aidvantage
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:
Good morning, I took out Direct Loans to pay for XXXX XXXX, with the express understanding from the university and the loan servicer ( NAVIENT ) that I would be eligible for Public Service Loan Forgiveness ( PSLF ). A year after I graduated I was advised by NAVIENT to consolidate my loans. This greatly increased the total amount to pay back ( currently ) {$250000.00}, but with the understanding that the total amount was irrelevant because I was told I was definitely eligible for PSLF, so any remaining amount would be forgiven and discharged after 10 years of payments. 

I've been working in XXXX XXXX XXXX for more than 12 years now, however only a few of my previous employers, such as XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are considered eligible employers. At no point during the taking of the loans or the consolidation did DOE or the loan servicer indicate that the XXXX XXXX XXXX I was in would not be eligible. 

Today I have eight years of qualified employment, but recently took a job doing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  work for XXXX. Though the work is identical to direct hires and by all appearance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my pay stubs come from a XXXX XXXX, XXXX XXXX and now XXXX. The XXXX XXXXXXXX, I'm told, is not a qualifying employer, so having come XX/XX/10 of the way to forgiveness, I'm now looking at a total of 20 years and or {$250000.00} to pay off. 

My loan was serviced and consolidated by NAVIENT but is now in the hands of XXXX. 

This exact same problem is widespread within our agency ( XXXX ) as thousands of employees receive their pay stubs from XXXX XXXX XXXX. Our Administrators XXXX XXXX and XXXX XXXX brought the issue to DOE and the President 's Office, but found no solution. Staff in my position were advised to contact DOE directly and ask for advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: SUNCOAST CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Suncoast Credit Union took my membership deposit after closing my account without warning me to give me the chance to withdraw my funds. After calling them, I learned that Suncoast charged me my membership deposit and any remaining funds as a fee. Suncoast never properly informed me that my account will close and take possession of my funds. I requested a refund but it was declined. My fianc had a similar issue with them at the same time and she was granted a refund. I believe Suncoast discriminated against me in retaliation because I am a former employee of Suncoast Credit Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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 belongs to someone else

Complaint:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDOFED XXXX XXXX/DOFED 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 2023-09-10
Company: National Credit Systems,Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Falsely Reported on Credit Buros for over 4 years, damaging our credit records & causing us harms since been denied place to rent, live, having to paid pretty much over 50 % of our income at locals Hotel since we move from XXXX to XXXX XXXX on a New Job trends. We paid our rent on time, every month, on vacating date a review the premisses an release us conforming site rules and regulations without any additional charges with the promise of forwarding the initial deposit to our new address, ( We got a copy of that Doc & Deposit Cashier Check copy ) We didn't received the deposit instead we received a charge for {$530.00} We have disagree with the new charges and a dispute all these years along it. 

We might provide throug all places lived before a Clean Renters Records, this company XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, through deb collectors National Credit System Inc, have placed us in a very bad situation since reported credit buros because we have been denied a place to rent and live due this situation, we have been living in a hotel room for over a month so far, our belongins in a XXXX storage pending on clearing this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am refilling this complaint to EQUIFAX confirmation number XXXX for allowing fraudulent inquiries and fraudulent accounts on my credit report and for no corrective actions taken on these unauthorized inquiries and fraudulent information. As I checked my recent credit report, the unauthorized hard inquiries and inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX and XXXX for your reference and as proof. I have sent my communication letter to them last XX/XX/2023 but until this time, they don't take action on my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-20
Company: Nelnet, 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:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was in forbearance status with Nelnet and it has been reported that I had late payments on these dates. This info is incorrect as I have contacted Nelnet directly and was told that this info wouldn't be reported as late payments initially. Once I saw that this was reported despite the conversations that had been held I began to reach out to them direct with no changes to my report. I have since cut ties with Nelnet due to this issue and consolidated my loans w/ another Student Loan company. My Nelnet balance has been paid but the late reporting is still showing on all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Specialized Loan Servicing Holdings LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I separated from my husband, which, caused a loss of income to my household. Following the separation, I became XXXX  and was having to take several days of from work. In XX/XX/XXXX I had to have emergency XXXX and was receiving XXXX XXXX ; therefore, I was not able to work, which caused my debt to increase. I returned to work in XX/XX/XXXX. In XXXX I applied for a XXXX XXXX bankruptcy and was making the monthly payments until in I got XXXX in my foot and had to be on XXXX for 6 months. Since I had a XXXX line placed, I had to go part time and was not able to make the bankruptcy payments. However, in XXXX XXXX XXXX, in better health I decided to change my career path. I have attempted to do a loan modification in XXXX XXXX, but was told there was not enough time to review the paperwork. In XXXX, I enlisted the help of a company, XXXX XXXX, for help and was again denied a loan modification, because I make to much money. At this point, even though I am able to make the monthly payments, I do not wish to retain the home. I am willing to make a short sale, and therefore, is working with a company to do so ; however, Servicing Loan will not review the short sale paperwork. I only want enough time to be able to relocate my family. I would like to be given the opportunity, to complete the short sale process and relocate. 

Thanking you in advance for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  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 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 non-monetary relief
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I printed the form Annual Credit Report Request Form from the computer. I filled out a form for myself, my husband, my son, and my sister. I mailed them all onXX/XX/2023. 
From TransUnion my husband got his free report. My report and my sister 's report came back with a blank score. I called and spoke with a representative that told me I needed to go to a different web site. I told her, NO. My husband got his report from the form I filled out. She transferred me to another agent who told me the same thing. When I said no he said he would mail me a " complimentary '' report. That report arrived without the score just as the first one. Both reports stated I had not request a free report. 
My sister made a copy of her request and sent that back in, again, requesting her free copy. Same thing happened. Report with no score. 
TransUnion sent info to my son requesting verification of address. My son sent in proof requested. He, likewise, got his report with no score. 
All these reports from TransUnion wanted {$9.00} in order for us to get our FREE credit report which we are all still waiting on.

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 2021-06-01
Company: LoanCare, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX stopped my automatic payment for some reason. I noticed in XXXX that XXXX had not been paid. So I mad a double payment ( XXXX XXXX ) plus {$400.00}. For a total of XXXX I checked on XX/XX/XXXX and the website showed I was delinquent for XXXX. I called and was told by XXXX the funds were in suspense and it would take about 4 days to allocate the funds. On XX/XX/XXXX, it still showed I was delinquent for XXXX. I called and an XXXX said it would take a few days. I emailed XX/XX/XXXX and recapped what had happen and that I was going to call my attorney if it was corrected by XX/XX/XXXX. My attorney instructed me to file with you. Attached is the email that I sent my attorney for his records.

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
Account Mix should not have C grade.Account mix moved from A to C grade. 
There are currently 4 missing accounts not being reported to the account mix  XXXXXXXX XXXX XXXX XXXX XXXX XXXX Closed loan Please Report XXXX XXXX Account mix correctly Credit Usage should not be N/a XXXX XXXX has XXXX XXXX credit accounts XXXX revolving lower XXXX XXXX usage XXXX XXXX XXXX XXXX  Inquires should not be on B and should be removed from XXXX XXXX credit score Please remove the Inquiry

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 2021-05-11
Company: EQUIFAX, 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:
I HAVE SUBMITTED MULTIPLE ROUNDS OF DISPUTES, SPEND TONS OF MONEY TO ENSURE THE FRAUDULENT ACCOUNTS ON MY CREDIT ARE REMOVED, UNFORTUNATELY THEY HAVE NOT BEEN REMOVED. PURSUANT TO FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a XXXX Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer I HAVE PROVIDED ALL THIS INFORMATION EVERY DISPUTE, WITH ZERO RESULTS. I WILL BE GETTING A LEGAL ATTORNEY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
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: Account status incorrect

Complaint:
ATTN : XXXX XXXX at XXXX XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX XXXX business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, Transunion ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

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 2022-12-21
Company: ID Analytics, 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:
Sagestream is hereby referred to as The Company. XXXX XXXX is hereby referred to as The Consumer. The Company is reporting bankruptcy case number XXXX as belonging to The Consumer. The Company claims to have verified said bankruptcy via a public records database named XXXX, but the address listed on the XXXX database does not belong to The Consumer, nor does it match the address listed on The Consumers, consumer report. The Consumer has already disputed the address on the above mentioned bankruptcy with The Company and is awaiting response.

The Company has also violated a multitude of The Consumers consumer rights based on FDCPA, TILA and the FCRA doctrines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: LA
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:
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 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 2023-09-09
Company: Experian Information Solutions Inc.
State: IL
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 have had ongoing issues with incorrect credit card balance reporting by XXXX XXXX on my credit reports prepared by the three major credit reporting agencies ( XXXX, Experian, XXXX ). This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ), which requires furnishers like XXXX XXXX to properly investigate and correct inaccurate information after receiving notice of a consumer dispute from a CRA. 

Specifically, XXXX XXXX XXXX account ending in XXXX currently has a {$0.00} balance and an XX/XX/2023 statement balance of {$190.00}. However, the CRAs are reporting a balance of {$10000.00} as of XX/XX/2023, which does not match any of my account statements. XXXX XXXX XXXX account ending in XXXX has a current balance of {$2200.00} and an XX/XX/2023 statement balance of {$2400.00}, yet the CRAs are reporting a {$3200.00} balance as of XX/XX/2023, again unmatched to any statement. 

These inaccurate higher balances negatively impact my credit score and exaggerate my debt obligations. I have disputed the incorrect reporting multiple times, but the CRAs often just verify the inaccurate information as reported by XXXX XXXX. This violates 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires the CRAs to conduct a reasonable investigation when a consumer disputes the completeness or accuracy of information in their credit file. 

Despite my providing their own account statements showing the correct lower balances, XXXX XXXX has failed to correct the information they furnish to the CRAs, in violation of their obligations under 15 U.S.C. 1681s-2 ( b ). XXXX XXXX and the CRAs have continued to shift responsibility back and forth, leaving these inaccuracies unresolved. 

Therefore, I request that the CFPB investigate which party is responsible for the ongoing incorrect credit card balance reporting and ensure the information is fixed to comply with the FCRA requirements for accuracy and dispute investigation. The current reporting damages my credit standing and I seek your assistance in resolving this issue.

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