BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: OH
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:
I am filing a complaint on my own behalf. I have a few accounts that are showing me 30- 60days late and at the time my income was affected by the Pandemic shut down. I am aware that the CARESACT was allowing for consumer protection under the CARES act with creditors offering accommodations. The late payments I'm referring to are from the following months : XXXX ( XX/XX/2022 )

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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This company is in violation of my consumer rights accounts to the FCRA. I got a notice in the month of XXXX XXXX in regards to a late payment that has been reported on my credit report in XXXX XXXX XXXX 

Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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 instructions of the consumer to whom it relates.

I did not given written instructions to furnish this on my credit report Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2021-10-13
Company: Self Financial Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have recently opened a credit builder account to improve credit. My credit builder account was closed and I did not authorize for my credit builder account to be closed. I now have unwanted inquiries on my credit due to this fraudulent mistake. My credit was on its way to being a XXXX I would like my credit score back to its original standing before this took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
my check # XXXX for {$500.00} sent in by mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX was stolen from is mail box and forged for {$14000.00} my chase bank paid this money Although there was not enough money there And the bank left me {$2500.00} in debt As soon as I found out, I contacted the bank on the phone and informed them. I also sent a fax and registered mail and by regular mail a signed statement ( which is a document requested from the bank ) that this was a theft and a forgery. Unfortunately, to this day I have not received my money back into my account I get in a lot of trouble because of this this is all my money i have and i have not able to do any payment and pay my bill It's been more than two weeks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: DE
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:
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. Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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. The above companies have not verify proof of my identiy. drivers licence or signatures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: TRANSWORLD SYSTEMS INC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Transworld Systems Inc contacted my employer and i have attached the document my employer forwarded to me ( wage garnishment ) for about {$290.00}. After that garnishment took place, Transworld Systems sent me another Collections notice ( which i have attached ) for {$10.00}. How could this be when the previous garnishment was {$290.00} and this collections notice states the previous balance was {$250.00}? 

This is fraud and I can not afford to have them contact my employer again and whatever this collections notice is for it should not apply to my account as they garnished {$290.00}. 

I would also like them to remove any negative entries with all bureaus as there are bureaus outside of the big 3 that most people do not know about, however, Transworld Systems does report to them!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
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:
I applied for the new IDR plan called SAVE via StudentAid.gov on XXXX XXXX Their site says Aidvantage finished reviewing my application on XXXX XXXX 

I received a letter from Aidvantage saying I needed to call them to complete the process, however, I have tried to call several times and have spent many hours on hold waiting to speak to someone, to no avail. 

I am XXXX XXXX  with XXXX XXXX XXXX XXXX XXXX XXXX which means that staying on hold for hours listening to their recording is extremely difficult. 

I also emailed them ( on XX/XX/XXXX ) and still haven't heard back ( as of XXXX XXXX  ). 

I've also tried their live chat function on their website many times, and it never works. When I start a chat, I immediately get a message " We are currently having heavy volume. Sorry for the inconvenience. Please try back later. '' Part of the promise of the new SAVE plan was that this process would be much easier and less of a burden, however, Aidvantage is making it entirely impossible. 

I have done everything I can possibly do on my end, including submitting the full application via the StudentAid.gov website and self-certifying my income. 

I have seen many others in a student loan forum are having similar issues. It seems Aidvantage is intentionally holding off on processing our applications, probably so we will have to pay once the deadline passes. 

I contacted StudentAid.gov regarding this issue, and they said they could not help, only Aidvantage can help. I have hit a dead-end since I have no way to get in touch with anyone at Aidvantage. 

This means interest on my student loans is accruing when it shouldn't be, costing me hundreds or potentially thousands of dollars, depending on how long it takes to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: NATIONS LENDING CORPORATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
The company ( Nations Lending ) XXXX Washington - XXXX # XXXX. I was encouraged and was told that a appraisal needed to be completed which I knew that was needed which cost me {$600.00}. They denied my loan because they said that they were looking for my home to be appraised @ {$330000.00}. But they knew my house was only worth at least {$310000.00}. They even told me that doing the process. I am ok with them denying the loan but they should has told me upfront prior to getting the appraisal that was the number needed. At first they did not want to provide me with the appraisal documents. 
I called the appraisal office and they informed me that their cost was not {$600.00} but around {$250.00}. So why and how can this company keep any of the monies for the appraisal that they denied. I am a XXXX XXXX living on a fix income and they deny my loan and was not honest with me. They took advantage of me. I was lied to multiple times. 
I should be due back {$350.00} 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 monetary relief
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 2023-06-13
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Bankruptcy Account # XXXX, XXXX XXXX Bankruptcy Account # XXXX, XXXX XXXX Bankruptcy Account # XXXX, XXXX XXXX Bankruptcy Account # XXXX, has violated my rights. 
I have already disputed these items but the bureaus did not remove them nor prove validation. 
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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Due to my all my credit report with out provide documentation my credit report is in good condition refuse to take it XXXX  XXXX XXXX shouldn't be on my credit report I paid my self balance in full I completed it earlier change my credit score with out verification illegally operation my personal information credit report agency I am tired of them doing me like that drop my score XXXX point with investigation correct paperwork

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 2023-06-11
Company: Amsher Collection Services, Inc.
State: TX
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:
To whom it may concern : Be advised this is not a refusal to pay, but a notice that this claim is disputed, and validation is requested. Under the Fair Debt collection Practices ACT ( FDCPA ), I have the right to request validation of the debt you say I owe Amsher Collection Services. I am requesting proof that I am indeed the party you are asking to pay this debt and there is some contractual obligation that is binding on me to pay this debt to AMSHER COLLECTIONS SERVICES. 
This is NOT a request for verification or proof of my mailing address. This is a request for VALIDATION made pursuant to 15 U.S. Code 1692g Sec. 809 ( b ) of the FDCPA, Validation of Debts. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Second, FDCPA15 U.S. Code 1692c ( a ), Communication in connection with debt collection, states communication with the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I have not given Amsher Collection Services the above written consent to contact me in connection with the collection of any debt. I do not have signed contract with Amsher Collection Services and I am unaware of how they have obtained my personal identifying information without my knowledge and consent. I have not signed a contract form to authorize Amsher Collection Services to have access to my personal information. This information collected by Amsher Collection Services is a gross and tortious effort to disregard my privacy and clearly violates my rights as well as FCRA and FDCPA laws. I am disputing the validity of this alleged debt. Specifically, there does not exist a written contract signed by both parties and me as specified in the Doctrine of Privity creating a contract that obliges me to Amsher Collection Services. I request Amsher Collection Services provide a signed contract between me and Amsher Collection Services regarding the allege debt or immediately cease and desist all harassment of alleged debt and remove all items totaling {$160.00} from credit reprting agencies, XXXX, XXXX and XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I am a victim of credit fraud on XXXX accounts that I did not open. Avant lending, Pentagon Federal and XXXX XXXX XXXX XXXX insurance was applied for in my name and I did not open these accounts. My information was leaked from my email address XXXX. I have sent multiple disputes for each of these accounts. Please delete these accounts from my credit 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 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
A dispute was submitted XX/XX/2023 for a collection that appeared on my account. 
Account : XXXX Number XXXX XXXX The account violated 15 U.S. Code 1681b. 
I did not authorized my consumer report to be given or sold to any other party. This has violated my right to privacy.

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 2023-02-14
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: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2023-01-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was given this code " XXXX '' when I tried to open a new XXXX  account. I am unable to find out what it means

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 2023-01-21
Company: NCB Management Services Inc.
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I agreed to a payment plan with NCB for 40 % of my balance, in installments of {$130.00} for 24 months, equaling {$3100.00}. I took a picture of the offer I accepted, where I clearly circled and wrote what I was agreeing to. 

On XX/XX/XXXX, I received a payment plan agreement from them. It was for twice the amount. XXXX payments of {$130.00} for a total of {$6300.00}. This is not what I agreed to. I have since emailed and asked them to cancel the plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: KS
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$30000.00}, XXXX XXXX Balance : {$16000.00}, XXXX XXXX Balance : {$2800.00}, XXXX XXXX Balance : {$12000.00}, XXXX XXXX Balance : {$17000.00}, XXXX XXXX Balance : {$17000.00}, XXXX XXXX Balance : {$11000.00}

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 explanation
Consumer complaint received 2023-03-30
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: U.S. BANCORP
State: MA
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:
XX/XX/2022 I applied for a bank card on line with USBANKS.

I was no longer interested in the USBANK products, after reviewing a large number of consumer ratings. I immediately request USBANK ( via phone call ) TO CANCELL my ( incomplete ) application.

USBANK has failed to honor an applicant request, that resulted in an hard hit inquiry on my credit 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