BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
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: Trouble with how payments are being handled

Complaint:
My student loan processing company -aidvantage has put the debt of some of my student loans into other student loans that have a higher interest rate. This dropped my credit score, as it appeared that I took out additional debt on those loans, and I was charged interest at the higher interest rate. This has been going on since late XXXX and it is now XXXX. Many phone calls and emails have been filed on my end, but the company is doing nothing except charging me at the higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX : XXXX, XXXX/XXXX  : XXXX, XXXX/XXXX  : XXXX, XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : 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 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 2021-09-26
Company: U.S. BANCORP
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: Information belongs to someone else

Complaint:
US Bank is saying that I have a credit card with them and I donot I try o get US Bank to fixed his but thy will not.this is on my creidit report and I want this to be removed ASAp. this is no my card.US bank saying it have been open for six months. never been use

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 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
NOTICE AND DEMAND this account is a corporate LLC account I am the member agent for signing this information is been reported erroneously and needs to be deleted this may cause a repairable damage and needs to be deleted before were on the 30th day upon investigation

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 2018-12-10
Company: CITIBANK, N.A.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Ive been a Citi XXXX XXXX Card holder since XX/XX/2002.

My APR has been 29.99 % since XX/XX/2009 EXCEPT XX/XX/2015-XX/XX/2016 AND XX/XX/2016-XX/XX/2017 when I REQUESTED, and was given a rate reduction to 15.99 %. After those time frames, the rate was again INCREASED to 29.99 %.

I requested a rate reduction in XX/XX/2019. The rate was lowered to 28.24 %.

After I complained, I was advised, " Because we value your business, we have applied a promotional purchase rate of 10.99 % to your account for XXXX   months. '' In XX/XX/XXXX/XX/XX/XXXX of this year ( XX/XX/2018 ), several national publications ( XXXX, XXXX XXXX, XXXX, WXXXX XXXX XXXX, and others ) published, Citibank is voluntarily sending credit card customers a total of {$330.00} million ; " A bank paying its credit card customers instead of the other way around. On Friday, Citigroup announced that it would issue refunds to some XXXX million credit cardholders who had been charged interest rates that were too high '' ; Citi to Refund {$330.00} Million in Card Charges Due to Interest-Rate Problem -Bank failed to lower card rates as required by law ; says XXXX   million accounts were affected and Citi said the issue affected around XXXX million U.S. credit-card accounts over a period ranging from XX/XX/2011 to XX/XX/2017. Some of those accounts received smaller rate reductions than they should have, while others didnt receive any reduction.

I have REQUESTED and received interest rate reductions XXXX since XX/XX/2015. When I requested the reduction last year, I was told I would receive it for XXXX months after which Id have to wait XXXX   months to request the reduction again.

Based on my experiences, I believe that CITI has a stated policy that the customer could receive a lower rate for XXXX months, after which the customer has to wait XXXX months to again request a lower rate. This is a bit different from what the Citi claims.

The bank proudly informed the public that it had " self reported '' the error and would make refunds in the second half of XX/XX/2018.

Since XX/XX/XXXX, I have made several attempts to contact the bank and have received no response. ( XXXX XXXX, Executive Response Unit, XXXX ) I believe I have been overcharged on interest for the years XX/XX/2011-XX/XX/2018 and that I am entitled to adjustments to rates of 10.99-15.99 % for those years. I have the statements for that period of time to document the interest rates charged. ) As Citigroup PUBLICALLY announced ( self-disclosed ) their error and corrective actions, they should be equally transparent with their resolution of the error.

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 2022-10-27
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
COMPANY IS FABRICATING XXXX : XXXX ) COMPANY IS STALLING ON COMPLAINT # XXXX : CFPB DOES NOT PROVIDE FEEDBACK TO THEIR FALSE STATMENT OF NOT BEING ABLE TO CONTACT CUSTOMER. 
AS THEY HAVE REFUSED CALL ( S ) IN TGHE PAST 2 ) THIS TIME AROUND THEY RECEIVED A CAPTIONING RECORDED MESSAGE THAT THEIR CONTINUE STALEMENT TILL XXXX XXXX, 2022 ENCOMPASSING MULTI AGGRECIOUS & OVER CHARGE/ INFLATED DEMAND NOW FOR ADDITIONAL FEES IS NOT ACCEPTABLE.

3 ) THEY HAVE BEEN ADVISED THAT LEGAL AID OF SOUTHERN NEVADA ASK A LAWYER PROGRAM HAS STATED THAT WELLS FARGO HAS A EXTENSIVE REPUTATION OF ABUSING CONSUMERS THIS DELAY HAS RESULTED IN OUR REQUEST TO PUT A STAY ON ALL FUTURE MTG. PAYMENTS UNTIL THIS MATTER IS RESOLVED WITH A REFUND OF INFLATED ESCROW CLAIMS BY WELLS FARGO.

THEY HAVE RECEIVED THAT MESSAGE FOR A STAY BY A CAPTIONING RECORDED MESSAGE TODAY ( XXXX ) 4 ) PEOPLES MTG. KNEW OF THIS STRUCTURAL DAMAGE TO THE BUILDING BUT PROCEEDED TO FALSIFY DISCLOSURE TO WELLS FARGO.

WELLS FARGO INTER PURCHASED A MTG. DAMAGE PROPERTY THAT DUE TO THE EXTENSIVE DAMAGE THE PROPERTY HAS ZERO VALUE UNTIL THE ENTIRE COMPLEX IS EITHER CONDEMN OR SOLD FOR THE VALUE OF THE LAND WHICH HAS BEEN DETERMINED TO HAVE MASSIVE WATER ISSUES

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 2019-05-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report. I contacted the FTC and I've also called my local police department. 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 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX  : XXXX, XXXXXXXX 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 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 2023-07-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Historically, any deposit into the account was available immediately. Without any explanation, my ability to access funds deposited into the account - and to transfer externally out of the account via XXXX- has been reduced.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: Exeter Finance Corp.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX CEO of EXETER FINANCE CORPORATION filed a California Secretary of State CERTIFICATE OF SURRENDER ( XXXX ) XX/XX/XXXX ; signed by corporate officer XXXX XXXX. The date XXXX XXXX XXXX CEO of EXETER FINANCE CORP. fraudulently assigned themselves to this null and void contract was XX/XX/XXXX according the consumer reports gathered from XXXX, XXXX and XXXX that violates a cease and desist ( continued reporting is communication and a violation of cease and desist that they fully accepted, acknowledged and is binding ). XXXX XXXX XXXX CEO of EXETER FINANCE CORP. surrendered their rights and authority to transact interstate business in the state of California. XXXX XXXX XXXX CEO of EXETER FINANCE CORP. revoked their designation of agent for service of process in California. XXXX XXXX XXXX CEO of EXETER FINANCE CORP. is attempting to force me to collude with their illegal business activities. XXXX XXXX XXXX CEO of EXETER FINANCE CORP. is using abusive debt collection practices and is causing me injury. After doing a UCC 11 Search with the Secretary of State of California, no liens or legal debts exist for XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CEO of EXETER FINANCE CORP. pursuant to 15 U.S.C . 1635 this is an official document to exercise my right of rescission, Nunc Pro Tunc for any contract, transaction, information, and my signatures associated with this account. Thank you and XXXX Bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2020-11-12
Company: NAVY FEDERAL CREDIT UNION
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:
There was an unauthorized account opened in my name. I've tried disputing this information with no luck from Navy Federal Credit Union. I completed all of the necessary steps in order to have this information blocked from my credit report and have my credit reporting statutes enforced. All of this information was submitted to Navy Federal and they refused to block the information. I called Navy Federal in XX/XX/2020 with an XXXX representative asking what do I need to do to resolve this issue. They stated I could pay the balance off in order to have the negative information removed. I paid Navy Federal the entire balance due. Once the balance was paid I called back a week later inquiring the status of this information being blocked. Navy Federal stated they could not remove this unauthorized account because it shows a payment made on the account. The payment was made on my part because I followed their instructions in order to have this resolved. 

My score has dropped nearly 100 points due to this issue. It has caused me a great deal of stress while currently XXXX. Please assist me with having this account removed from my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter in the mail regarding a debt, I attempted to contact the number and couldn't reach anyone. On XXXX, I sent an email regarding the debt. I wanted in writing the information. XX/XX/XXXX, I received a letter from National Recovery Agency regarding a medical bill for XXXX hospital. I again emailed because you can't reach anyone by phone. On XX/XX/XXXX after sending an email. XXXX contacted me regarding the debt. I explained to her that I did not owe that amount, the amount I had indeed paid, and I supplied her with the balance I actually owed. She stated she would reach out to the company for settlement and would contact me back and even asked how I preferred to be contacted. I explained in writing, via email. She then said it would take a day or two for her to get back to me, but I would hear something. Fast forward to today and not one word and this debt has now been turned over and is reporting negatively on my credit. I have again reached out to National Recovery Agency regarding this, via email so that I have proof of everything and still have not heard one word as this sits on my credit report. I am unemployed due to Covid and explained that to XXXX and explained I wanted it settled. They have failed to do anything they stated. The conversation was recorded, as they all are. I'd like for someone to take care of this issue and take if off 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 2023-07-07
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca, XXXX XXXX U.S Code 1681c-2/ and section 605b of the fair credit reporting act 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. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these ITEMS IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in violation! Under 15 U.S code 1681b-permissible purposes of consumer reports ( a ) in GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates.I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.as a consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Previously disputed this complaint with CFPB # XXXX asking to verify or delete account immediately as I do not recall having this debt. Results came back as verified stating that account had been opened online and that my personal information had been used and billing statements had been mailed to my address and were never sent back as returned. This is NOT verification at all. 

Credit report is still reporting inaccurate showing a higher balance than credit limit. There is no way that balance is higher than what credit limit is. Account is reporting as CLOSED with payment status of Collection/Chargeoff so their SHOULD NOT be a pass due nor should their be any payment reporting especially using consecutive charge off as a payment method on a dead account. Last payment is inaccurate. This is a total mistake.

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 2023-07-05
Company: Block, Inc.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On Monday the XXXX of XXXX, XXXX, I deposited the {$280.00} from Cashapp to my XXXXXXXX XXXX account. Cashapp 's error caused it to triple the deposit into my banking account. The deposit was posted to my XXXX Account and I was unaware of this. I have it set up in my XXXX account to not go negative if the money is not available, and no charges will be processed to my account if the money is not available. Because of the triple deposit, The XXXXXXXX XXXX system thought the money was in there and other charges went through due to the error caused by CASHAPP. Then four days later CASHAPP reversed two of the deposits made electronically to my XXXX account.This caused my banking account to be - {$520.00} on Saturday. Which I had to borrow from someone else to make my account in the positive so I didn't accrue any charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions 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:
NOTICE AND DEMAND this account is a XXXX XXXX account I am the member agent for signing this information is been reported erroneously and needs to be deleted this may cause a repairable damage and needs to be deleted before were on the 30th day upon investigation

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