BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-12
Company: Maximus Education, LLC dba Aidvantage
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
When my loans were moved ( as if I and my family 's ambitions make us into cattle transferred from one slaughterhouse to to another ) from XXXX to Maximus in XX/XX/2023, I received confusing emails from XXXX that I couldn't confirm as spam or not. I finally investigated the Aidvantage website and immediately found non-functional webpages, which made me more uncertain. 

I finally decided Aidvantage had probably acquired our debt legitimately and that I had the correct website. I set up my login and immediately found out that Aidvantage does not use two-factor authentication. This makes my payments and my loans insecure, and as the attached correspondence from XXXX XXXX indicates does not seem to be a priority fix at all. 

I hope the management of the CFPB understands just how much of a painful burden my family 's ambitions to pursue publicly valuable knowledge has placed on us. CEO XXXX XXXX XXXX has an astounding net worth of {$35.00} XXXX dollars. He is like a vampire, and the fact that he and his executive team are unwilling to even create a reliable infrastructure for us to transfer our hard-earned income to his wallet must be addressed by my federal government. 

I also contacted my congressional representative and their staff refused to get involved because Aidvantage is a " private relationship. '' This is a public loan, a federal loan. Has it really been totally privatized so that this vampire is unaccountable to us as American citizens?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Since XX/XX/XXXX, Ive set my payments to Bank of America to pay {$150.00}, twice a month, one of the default autopay options from their website. I left it to autopilot for over a year now, and recently checked my account. I see now that Ive been charged a {$39.00} late fee every month since at least XX/XX/XXXX and likely before, despite paying every month on time and well over my minimum. 

I called BofA, and according to them, this is because payment was due on the XXXX. But Ive been paying them using their default bi-monthly autopay on the XXXX and the XXXX, and had they chosen to credit the payment on the XXXX to the following month ( for instance, a payment on XX/XX/XXXX going to my XXXX bill ), and the XXXX to the current month ( XXXX in this example ), then I would not have been charged somewhere around {$660.00} in late fees. 

They appear to have chosen to allocate the payment to the prior month in order to maximize their collection of late fees. 

I have attached every bank statement going back to XX/XX/XXXX, and can request back statements going back further if needed.

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 2021-09-12
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 60-30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2023-02-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a victim of fraud. On XXXX XXXX XXXX XXXX, I received a message from my bank ( Wells Fargo ) stating that there was activity on my card for {$400.00} at a Wells Fargo XXXX in XXXX, TX which is almost an hour away from my residence. When I received this notification I was home on my couch, after being sent home from work due to freezing conditions from a winter storm. As soon I saw the text message I was ready to call my bank because someone tried to take out {$400.00} twice and was not successful until the third time when they successfully managed to pull out {$500.00} cash. I had my debit card in my possession, so I knew someone had my information without my consent. Wells Fargo called me before I had the chance, which threw me off. I started making a claim with 1 agent and halfway through they hung up on me. I called again, this time talking with another agent, and finally was able to complete the claim. They informed me that it would take up to 10 business days to settle the investigation. The money that was taken out was all that I had for rent. I called Wells Fargo back the next morning to ask for my money to be credited back since I had to pay my rent that week. They accredited me the amount until the investigation was over. On XX/XX/XXXX Wells Fargo did a " Card Reversal of Credit '' of {$500.00} leaving me negative - {$470.00}. I called panicked asking what happened and they said, that after their " thorough '' investigation they found no evidence of fraud. This made me feel worthless like I made the whole thing up, I felt like they didn't believe me. All of this was done via their customer service line on the telephone. I asked if I could speak to the person who conducted the investigation because I do not feel my report was taken seriously. It happened at one of their branches, one I have never been to. They told me I couldn't speak to anyone and that the decision was final. So I went to a Wells Fargo Bank in person and they told me that the investigation should have included video surveillance from the ATM and more, but that they couldn't do anything either. They were kind and wanted to help more. In the end, I am still left with someone taking {$500.00} from my account. I do not know how else to prove to them other than showing my cellphone location, or video surveillance of me at a gas station right before the incident almost 40 miles away. Please, let me know if there is anything I can do further. This is a ton of money for me as a single parent, working full time and living paycheck to paycheck. Please. Thank you for taking the time to read this!

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 2023-08-02
Company: Experian Information Solutions Inc.
State: CO
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 filed for XXXX  XXXX bankruptcy last year. While other debts reflected this in my credit report immediately, my balance with XXXX was unchanged until the bankruptcy was discharged. At this point, XXXX updated their listing on my credit report showing that the balance had been discharged, although never made any changes to my account. When I reached out to them, they confirmed that the loan was discharged and said they were waiting for verification and asked for a copy of the bankruptcy discharge. I sent it to them. At that point, they reinstated the balance 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
Consumer complaint received 2021-01-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION COMPLETELYFROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX CT XXXX MI XXXX XXXX XXXX XXXX XXXX MI 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 2023-08-23
Company: NAVY FEDERAL CREDIT UNION
State: IN
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:
This is the XXXX time I've disputed this fraudulent charge. XXXX XXXX processed a debit card transaction to XXXX for {$510.00} XXXX. I have never done business with XXXX and I went into very detailed specifics when I initially made this dispute. Nonetheless, my account was charged and ultimately closed and it should not have been.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX Account numbers XXXX, XXXX, XXXX, and XXXX and 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: FL
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:
The unverified items indicated below continue to report 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 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 2022-10-14
Company: Foris DAX, Inc.
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I fell victim to a multi-layered scam by Mine and custodial account ( s ) Crypto.com and XXXX XXXXXXXX XXXX. Wired amount to Crypto.com was {$74000.00}. 
XXXX XXXXXXXX XXXX played a role in the transfer of {$25000.00} on XX/XX/2022. 
On XX/XX/2022, I tried to reverse, or transfer said {$74000.00} out of Mine to Crypto.com and was blocked by the fraudulent investment firm. 
I contacted XXXX XXXX to look into recovering my funds on XXXX and paid {$7000.00} for due-diligence of funds-recovery. 
On XX/XX/XXXX, my first dispute letter was sent to Crypto.com and XXXX responded wanting more info. I responded with XXXX XXXX letter and no response was taken. A follow-up letter sent XXXX with no response. On XXXX, I filed a letter with the XXXX in XXXX and Crypto.com XXXX was provided a copy of complaint. 
The XXXX at XXXX XXXXXXXX XXXX is issued a complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Bridgecrest Acceptance Corporation
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: Account status incorrect

Complaint:
I have reached out to all three credit reporting agencies as well as furniture of reporting and accurate information which seems to be fraudulent and do not match current credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: DISCOVER BANK
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023 A fraud charge was posted on my Discover Card.no XXXX XXXX XXXX I called and told them I did not make this charge of XXXX and that my limit on my credit card was {$4500.00} and it shouldn't have been posted. They told me that they would only accept a dispute and not a fraud. They are trying to force me to pay it. I even contacted a supervisor, and they refuse to do anything about it. I never made this charge and it is way over my limit. Thank you XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Im in the tail end of a XXXX  XXXX bankruptcy. All payments are current and the trustee has filed a motion to close the case and issue a discharge. The mortgage of course will continue. The last I heard the mortgage company PHH MORTGAGE was not cooperating with the court but was holding various sums in various suspense balances and not crediting the accounts as required! However the REAL issue is a hail damage claim from my insurance carrier XXXX XXXX  who issued a {$25000.00} + check which I and my wife endorsed and sent to PHH as required. Weve since had our roof replaced at a cost of {$10000.00} and the mortgage company sent the check to a DEAD LAWYER in spite of being notified he died when my current lawyer enter his notice of appearance on XX/XX/XXXX NEARLY THREE YEARS AGO! Now Im in a pickle because I can not pay the roofer and PHH CLAIMS they have resent the check overnight mail to the current lawyer on XX/XX/XXXX yet he doesnt have it and PHH CAN NOT provide a USPS tracking number and if they were not lying YET AGAIN theyd know that number! I also have damage to my boat dock I can not even begin to think about repairs to because I know they can not be trusted to send me the insurance money I have been paying my premiums for so this dock which is now part of the mortgage after it was modified is being destroyed because the welds are broken and unable to be fixed. Ive addressed this with the lawyer and the mortgage company to no avail! Ive paid my XXXX  XXXX payments on time and in accordance with the plan for 58 months yet have NOTHING to show for it because PHH is allowing this property to be destroyed!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: FL
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 am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 
The complaints were sent to CFPB on XX/XX/2022 Complaint number XXXX And XX/XX/2022 complaint number XXXX These are the accounts still showing inaccurate 1 ) Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX ) Account Name : XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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. You said you did a full investigation and that these items were XXXX person correct which looking at the report they are not correct. 

I have attached copies of credit report with inaccuracies highlighted in red and need these items removed 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 explanation
Consumer complaint received 2023-03-12
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt doesn't belong to me. It is to be charged to a business. After speaking with these people and them calling me from different phone numbers and explaining to them this belongs to a business and not me personally they said oh well it is in your name and not the business when in fact, i did explain each time it shouldn't be and they should contact the originator of the bill for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
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:
When I investigated my credit report, I realized that some of the information was erroneous. Equifax are required to authenticate the account under Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Account says restricted for safety purposes. Contacted customer service limited an vague response that will resolve in a couple of days. No resolution no response no contact outside of my text messages. 

I prepay account spend over {$500000.00} per year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15
Company: CBC Companies, 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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, FACTUAL DATA add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX add a hard inquiry on my credit report per XXXX 
On XXXX XXXXXXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation