BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-02
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:
I sent in my police report and my FTC affidavit to the three XXXX, Trans Union and XXXX to report fraudulent. I sent multiple dispute and had multiple phone calls with the fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent account .his notice is to inform you that you unlawfully reported fraudulent accounts. I have provided you a copy of my Police report a copy of my FTC affidavit that was provided to me from Federal Trade Common. I have followed every step I was told to do by your agency and by the Police department. Please delete and Block this fraudulent account, address of my credit report. the fraudulent information and account and inquires that are in question are as follows XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX fraudulent inquiriesXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX fraudulent addresses XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX this is fraudulent and needs to be delete immediately. You have caused me great damage and embarrassment also with emotional distress and I was wrongly denied credit, housing and a job due to this fraud and your fraudulent reporting. Please be advised I will use this complaint and all the disputes in court.

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 2023-02-24
Company: AES/PHEAA
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX AES now calling the business XXXX  has once again taken points from my credit report as well as negative remarks regarding student loans. 

Student loans have been on pause since the pandemic as many affected financially especially the lower earners. This is the 3rd time I have to keep filing complaints regarding my credit report.

Why is my credit report lawfully allowed to have negative comments on a debt I should have been able to file bankruptcy on in XXXX? The pause is in affect at this time XXXX? 

In addition XXXX has added {$510.00} in unpaid interest for XXXX! 

Struggled to make {$33000.00} dollars last year as well as roof over my head and food on the table. I can not afford any payments! 

The loan service companies can not lawfully ding credit reports, but yet continue to do so. 

Can i please get some legal help with these issues to end them?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2017 a collection account was placed on my credit report. I asked the credit bureaus to please verify the debt. They responded by saying the debt was verified I asked for proof of the debt being verified by creditor. No response was given. I sent a letter to creditor asking to validate no validation was given but a bill which is not considered proof the debt belongs to me. I am asking you to please have the creditor please send valid proof such as original contract with my signature. If they are unable to according to FCRA they must cease collections and delete from all 3 bureaus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
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:
I am a recent graduate and my loan repayment will begin around this current time frame. I need to change my repayment plan as I have never even been able to login to access my information. I have attempted to login to my account on my loan service provider 's website countless times and have had no luck. I try to enter my SSN and Birthday to help create my account or find my UserID, but it always says " No records found ''. At the same time, I am getting emails from Aidvantage about my payment coming up. When I have called them, I just get the automated message and it did recognize the last 4 digits of my SSN and told me my first payment would be due on XXXX, but the thing is, I can't even log in to make the payments. Every other time that I've tried to call, the automated message says that they are forwarding me to a representative, and from there it just rings endlessly with absolutely zero updates about time estimates or how many people are ahead of you in the queue. I have waited for close to 2 hours on numerous occasions. Furthermore, there isn't even an email or Help Center contact information on their website that you can reach out to. This is completely unacceptable. They are playing with people 's lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Credit Service International Corp
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 information incorrect

Complaint:
My doctors office has been charging me for test 's that are not pre-discussed or explained. I have no idea what they are for. I was not advised of how much they would cost. I have no idea if I was actually given the test 's listed. 

The doctors office ( XXXX XXXX XXXX ) has been atrocious in communicating. In the last year these tests that were given... Prompted the doctors office to send me to the XXXX XXXX two times. 

Both times that I went to the XXXX XXXX, they did more tests and determined there was nothing wrong and they weren't sure why I would have been sent there. I have been billed over $ XXXX dollars. 

My doctors office holds no accountability. ZERO. 

The test 's that we are referring to currently are medical tests from XXXX of 2022. They sent me a bill, I contested the bill. I never heard anything back and they sent the bill to collections. 

I have worked for the last 2 years to pay everything on time in full. I have busted my XXXX to build my credit score up in the hope that someday I might be able to purchase a home. 

XXXX notified me through my monitoring program that I had an account in collections. When I looked at the debt, it is from XXXX XXXX XXXX. That is XXXX XXXX XXXX 's office. 
The company that has taken me to collections is Credit Service INTL CO. 

To my understanding the new laws made it so medical debt would not be put on collections for one year. That is/was an extension from 180 days. 

I have contacted XXXX, they were not aware of the rule and a dispute was filed. 

I would like this debt to be taken off of my credit report. I would like to know how the doctors office came up with these test fee 's and how and when I signed to approve these test 's, resulting in the fee 's and collections account on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
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 information incorrect

Complaint:
In summary, I need to know why my credit score dropped 78 points overnight. It was XXXX yesterday and it is now XXXX. 

I am a XXXX year old XXXX who is living with XXXX XXXX. I have a career, work hard every day and have never once in my life been in debt. 

I havent had a credit card account since about XX/XX/XXXX ( a very low-limit department store card ) and the only type of loan Ive ever had was to build credit, 6 years ago it was paid off & every payment was on time. That loan was with my credit union ( who Ive been a member with for going on 15 years ). 

Ive read all the articles, asked all of the questions that I could think of and did my best to figure out the cause of my score to drop almost 80 points in a single day, but to no avail. I have gone through my credit report thatIve obtained from XXXX, Transunion, XXXX, and XXXX ; it didnt take long, as the entire report could comfortably fit on to one page, and there is absolutely nothing new. 

I understand that having little to no credit keeps your score low and makes it virtually impossible to be approved for any type of credit card but78 points in 24 hours? What caused this? And why, after hours of research and calls and e-mails and studying practically-nonexistent credit histories am I still sitting here with more questions than I started with?

As a taxpayer, a good citizen and someone who is having a hard enough time as it is trying to move forward in life without having credit history, I ( at the very least ), deserve an explanation as to why my credit score dropped close to 100 points in a day. 

This is a complete exploitation and injustice ; what if I needed to accomplish something in the near future that requires a credit inquiry? Well, theyd see the XXXX credit score along with barely any credit history and then move right along to the next applicant. 

That is my complaint. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Experian Information Solutions 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:
I submitted an online dispute with Experian on XX/XX/2021 for the XXXX XXXX XXXX that starts with XXXX. Experian completed their investigations in less than 9 days. No way was this a thorough investigation process. In my dispute, I have requested contract with my signature to prove that this account is mine. I suspected Experian requested public information from XXXX or sage stream. Please direct Experian to delete these unknown account from my credit report. Their lack of investigative process was not accurate. By FRCA law and FTC Law, my report must be accurate, no errors and verifiable. I have attached their online result for your reference.

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 2023-06-12
Company: REGIONS FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, I notified XXXX XXXX XXXX that an account had been opened in my company name without authorization, that I was disputing all charges, and the account should be closed. XXXX XXXX ( an account manager with XXXX  ) reached out to me. During our conversation he told me that he would issue {$950.00} in credits to my account but I would need to send him written authorization to reactivate my account for him to apply the credits to my account. He said the credit would be applied within 7-10 days. After waiting 10 days, the credit was not issued to the account. On XXXX XXXX, XXXX, XXXX XXXX replied stating that he was out sick and the email was not sufficient for the fraud team so I would need to send another written authorization. Another written authorization was sent on XX/XX/XXXX. A number of emails and phone calls were made to XXXX XXXX. He continued to promise us that the credit would be applied in a few days. We complied with his requests for written authorization based on the promise to issue these credits. The full amount of credits were never applied to the account as promised. On XX/XX/XXXX, XXXX XXXX stated that our account would not be reinstated. We immediately replied to send us a check for the balance on the account and on XX/XX/XXXX, XXXX XXXX stated that they would not issue a check for the credit balance on our account. We are still owed {$160.00}.

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 monetary relief
Consumer complaint received 2021-03-21
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I entered a covid forbearance in the spring of 2020. My mortgage is with Mr Cooper/Nationstar. I was able to maintain my payments until XXXX, XXXX, and XXXX of 2020. For those three months, I paid enough money to cover interest and escrow accounts. After that, I resumed making my regular payments. My forbearance was to end on the XXXX of XXXX. On the XXXX of XXXX, I called Mr Cooper and spoke with XXXX. I explained that as mine is a federally backed mortgage, I wanted to move the approximately {$4800.00} to the " back '' of my mortgage and continue with my regular payments. After a lengthy hold, she came back and said that was approved. A few weeks late, I received a statement requesting in excess of {$6000.00}. I askes for a breakdown of those funds. I'm still waiting. As you can see in the attached file, I usually make my payments 2 weeks early. When I attempted to make XXXX and XXXX payments in early XXXX, Mr Cooper would not accept them. I attempted to pay them via my wife 's checking account and they still won't take them. I called and attempted to make 3 payments. They wont accept them unless I pay {$12000.00} at one time. I have asked for a breakdown of these figures SEVERAL times with no success. The are happy however, to assist me in a refinance or a modification, neither of which are what I want

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
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 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 non-monetary relief
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: CA
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:
Please be advised this is my SECOND WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite my previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 name is XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-03-20
Company: ID Analytics, Inc.
State: CA
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:
Sage Stream will not send me a copy of my consumer file.

I requested a copy of my consumer file via their website in XXXX of XXXX. They sent a letter that they needed additional address verification proof and I sent the documentation via certified mail on XX/XX/XXXX. I never received a response or a copy of my consumer file. 

I sent another request via their website on XX/XX/XXXX. I received a letter on XX/XX/XXXX asking for the same proof of address documentation as before. I attempted to fax per their instruction, but the fax number had a " line fail '' error code each time I tried to send. So, I sent the info via mail ( along with that same info for the request for a security freeze ) on XX/XX/XXXX. 

To date, I still have not received my consumer file. All of the requests/back up documents were submitted in the same envelope and the security freeze was placed on my file, so that confirms that they have received all of the information. Yet, they still have not sent me my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Lender : GM Financial Account number : XXXX Account opened : XXXX XXXX, XXXX Lease term : 36 months Contract Miles : XXXX miles GM Financial was the leasing company that I leased a XXXX XXXX XXXX from in XX/XX/XXXX until the lease ended in XX/XX/XXXX. The vehicle was returned by me timely to the company in XX/XX/XXXX, approximately XXXX miles below the leased mileage, and with only {$80.00} in appraised wear and tear damage. 

For the entirety of the lease agreement, all charges associated with the vehicle were paid on time through auto-pay connected to my checking account without incident for 3 years. I naturally presumed, but apparently incorrectly, the end of lease charges were to be deducted from the same account, as had been our course of performance for 36 months. However, this did not occur. 

In XXXX, I received an alert that there was a missed payment on my credit report and on XX/XX/XXXX I promptly paid the outstanding {$510.00} end of lease charges ( using the same checking account that was already on file with GM ). When I sought from the company a good will adjustment to the credit agencies for the late lease charge, they refused.

In sum : A ) I feel like I was induced by GM for 3 years to make payments through the auto-pay mechanism and then at the end was deceived into thinking this same mechanism apply to the end of lease charges. 
B ) The deadline set to pay the end of lease charges was arbitrarily set by GM as the lease agreement is silent is this regard. I dispute that the payment was even late.

C ) These end of lease fees appear to be separate an aside from the financed portion of the lease agreement. The financed portion of the lease was paid on time, it was only the end of lease fees that were purportedly untimely. I do not believe these end of lease fees are reportable to the credit agencies as they in no constitute a loan repayment. It believe the fact that GM even required a different payment mechanism to pay these fees supports this notion.

Company response to consumer: Closed with non-monetary relief