BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-17
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Aidvantage was sold my loan by XXXX. They have just recently become the active servicer for my loan and became listed on my credit report and other places as such. On XX/XX/XXXX and XXXX I received notifications to my email from the credit services I subscribe to that my score had dropped XXXX whole points.. I have been working on my credit for a year and this took all of that away..

It seems that Aidvantage placed remarks with all 3 credit bureaus. On XXXX they reported that my loan balance increased by over {$6000.00} and that I had made XXXX on time payments. 
XXXX said that Aidvantage raised my credit limit and that there was an increase in my loan balance and it was now over {$31000.00} None of these remarks are factual, for one the interest rates have been at zero and payments have been and will be on hold until XX/XX/XXXX. I placed several calls to Aidvantage. The first representative told me to hold while she looked into the account and 18 minutes later I got the automated rate your call message.. So I called back this time the representative told me that She can not see anything on my account that would have caused them to report to the credit bureau she also said that they had no phone number for me to talk to the Department that was responsible for this happening but that I could write them a letter and proceeded to give me an address to do so.. Aidvantage has completely ruined my credit and my chances at getting a house and the only thing they can say is write a letter?! I am not sure why XXXX chose to sell to these people but they are awful and they do not care to fix what they messed up. In XXXX I received a 100 % loan forgiveness notification as well for these same loans that they are reporting to the credit bureaus and when I asked the representative about that she said she does not see it has been reported to them. Which I did reach out to student.gov who verified the forgiveness was approved and to give it a little more time and check back again which I plan to continue to do. If this company knew they could not handle the magnitude of new accounts that would be coming to them from XXXX they should have never signed on to do so.. You can not just inaccurately report on peoples credit and then do nothing to correct it.. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I do not have an account number as this account was opened without my permission and I have not received anything ( statements, card, etc ) I had massive fraud on my synchrony/Lowes credit card in the summer of 2022. After a very long time of getting it resolved I was told my account was permanently closed. I went to check my credit report on XX/XX/2022, and there was a late payment for another charge on the synchrony/Lowes credit card for {$530.00}. When I called synchrony/Lowes, they said my account was never closed down Although it shouldve been and they will have to do a fraud investigation. In the meantime, it has knocked my credit score down, XXXX points and I am trying to apply for a loan, so this is having a deleterious effect on my ability to do that. 

I told XXXX that they should not be happening every few months with fraud. I dont know what to do at this point as they are saying it could take up to 60 days which is outrageous. This account shouldve been permanently closed as they told me it would. Please help.

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 2022-11-18
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:
To whom may this concern, I recent reviewed my credit report on XXXX and I seen that your company has reported some inaccuracies on my credit profile. Due to the inaccuracies it is affecting my lively hood. I am being charge more than I normally would be. I am receiving hire interest rates and also getting denied for a credit card that I would be approval. 

It my understanding that theres no law that states anything should be reported to the credit reporting agencies. And so your organization is liable. 
Per 15 U.S.C 1681 ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I never gave permission for your organization to furnish this report on my behalf and Im also aware your organization assumed a vital role. Since you furnished such report without my consent it is obvious that your organization is violating 15 U.S.C 1681 as your reports are unfair, partial and no does not respect my privacy.

And Per 15USC 1681 ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

As a result, here are my demands : - -Delete XXXX XXXX XXXX XXXX for 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 2020-12-16
Company: CORELOGIC INC
State: CA
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:
My father was simply RESEARCHING refinance rates for our mortgage. 

I never talked to this company. My father said that they needed my social security number to store. He gave it to them. They told him that THEY WERE NOT GOING TO USE THE SOCIAL for a credit pull until they got my permission. They never did. We never re-financed and I never ever gave this company permission to do a credit pull on my account at any time whatsoever. 

The company 's name on my XXXX  and XXXX  shows as CREDCO. 

It was pulled on XX/XX/2020. 

Contact info XXXX XXXX XXXX XXXX XXXX, CA 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 2019-05-06
Company: FACTUAL DATA CORP.
State: IN
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:
On XX/XX/XXXX I purchased a used XXXX XXXX XXXX. My credit report states that I had an additional hard inquiry XX/XX/XXXX prior to me securing a car loan. I am trying to establish my credit to open up a small business with my husband and every point counts as I am sure you know. The car dealership told me that the loaning agencies would remove the other hard inquiries that I did not secure a loan with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, 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:
To whom may this concern, I recent reviewed my credit report on XXXX and I seen that your company has reported some inaccuracies on my credit profile. Due to the inaccuracies it is affecting my lively hood. I am being charge more than I normally would be. I am receiving hire interest rates and also getting denied for a credit card that I would be approval. 

It my understanding that theres no law that states anything should be reported to the credit reporting agencies. And so your organization is liable. 
Per 15 U.S.C 1681 ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I never gave permission for your organization to furnish this report on my behalf and Im also aware your organization assumed a vital role. Since you furnished such report without my consent it is obvious that your organization is violating 15 U.S.C 1681 as your reports are unfair, partial and no does not respect my privacy.

And Per 15USC 1681 ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

As a result, here are my demands : - -Delete XXXX XXXX XXXX XXXX for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My credit information was released without my permission. My credit has pulled numerous times and address you have no knowledge of. I was divorced in XXXX and numerous requests have been made on. I cant even get a copy of my own 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 2022-12-20
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I lived at XXXX XXXX XXXX in XXXX between XXXX. I lost my position at XXXX XXXX : Wells Fargo Foreclosed on my House. Was I a VICTEM of their Practices????

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 2023-02-13
Company: Experian Information Solutions Inc.
State: NC
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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXXXXXX.

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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 an 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 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in 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 non-monetary relief
Consumer complaint received 2020-12-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
In XX/XX/XXXX I applied for a credit card with Citi Cards. 

I was approved for the card in XX/XX/XXXX. 

I never received a credit card though. 

On or about XX/XX/XXXX - I received a statement for my credit card account. 

On XX/XX/XXXX - I called customer service at XXXX to notify them that i had NOT received a card and to make my payment. They accepted my payment of {$400.00} and stated that due to an error in their system the did NOT mail my credit card. 

On XX/XX/XXXX Citi Cards used XXXX  and sent my card. Citi Card sent my card to someone else 's address across the country XXXX miles away from me! This address was emailed to me to track my card. The card was delivered to someone else on XX/XX/XXXX. 

On XX/XX/XXXX I called Citi Cards customer service to find out why! Customer service apologized, verified my address, canceled the card they delivered to someone else and said they would issue a new card. 

I asked to speak with a supervisor because I was concerned with their failure to keep my identity and financial information private and for mailing my card to someone else. 

When they transferred me to a supervisor he raised his voice at me and told me that the customer service representative already fixed it and he hung up on me.

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 2023-03-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

DEPTEDXXXX  XXXX Balance Owed : {$1000.00} DEPTEDXXXX  XXXX Balance Owed : {$1700.00} XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: West Coast Servicing, Inc.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
In my initial complaint to the CFPB I pointed out that the investor WEST COAST Servicing Violated TILA/HOEPA by FAILING to provide me with ANY notices and disclosures of the rate adjusting periodically in violation of 12 C.F.R 1026.20 ( c ) and ( d ) at least 210 days before the adjustment took place as dictated by the CFPB. My rate adjusted in the life term at least 10 times and WEST COAST SERVICING and prior investors not once sent out 1 SINGLE Notice of this. Furthermore, in the discovery documents West Coast sent out in response to the notice of information and error the aforementioned documents evidencing this were not found. West Coast has not produced this to me nor have they addressed this in any of their responses to previous council, myself, nor the CFPB.

This is a defective loan with many inaccuracies and it doesnt seem like West Coast s Attorney XXXX XXXX is advising their clients appropriately letting them know the liability here and future legal issues. 

Once again, I am asking for a response on the aforementioned violations. If West Coast continues to claim that my aforementioned claims are False then please provide the pertaining documentation ; specifically the rate adjustments notifications that should have been sent out. These were NEVER sent out and that is a FACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: SC
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:
This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 explanation
Consumer complaint received 2020-03-10
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm not originally from this country. I've had my identity stolen about 3 times. I pride myself on being a responsible consumer. There are some others that want to take short-cut to get there. I've asked for my account to be validated by Midland Funding LLC for the past 2 years, and all I get are statements with the account number blacked out. They sued me in 2018, and they didn't even have the decency of showing up. The judge told me that they can come back after me again. Surprise they sued me almost a year later. The case is a waste of time, but I don't want a default judgment. I've asked for contracts with my signature, and all I get is signatures. I sued Midland Funding LLC for violating the law. This is a big mistake on their part, in no way do I have an agreement with this company. The funny thing is they sent me someones lawsuit with address, and private information. If this is the best they can do I'm really afraid of how someone can just file a lawsuit against anyone. Especially if the consumer has no clue who you are. Or even if you don't have substantial proof. Whatever you do please fight these clowns. They might use intimidating tactics to try to get you to settle. Like in my case, they call me up to 20-25 times a day. Attempting to kick my door down and gain entry to my home on a w weekend night. Also sending me lewd photos of XXXX woman from the area code ( XXXX ). Even when I have a XXXX area code. How can they seriously get away with this? Midland Funding will do anything to get a {$1.00}. SO PLEASE FIGHT BACK.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I entered a rental agreement and paid the landlord the security deposit and first month 's rent through XXXX and mobile bank transfers with my bank, Truist Bank. The 3 bedroom, 2 bathroom house I was attempting to rent was listed on XXXX for {$700.00} a month. 

The " landlord '' never sent me my keys after I paid him a total of {$1200.00}. I signed a lease on XX/XX/XXXX and was ready to move in, but when I went to movie in, the house is already occupied. The rental agreement was fraudulent, this was a scam. 

When I went to my bank to file a complaint and have my funds refunded to me, they told me they could do nothing about it, despite having the necessary evidence to prove that I was scammed. 

I am in desperate need to have my funds refunded to me. I am currently struggling immensely financially due to fraud committed by the individual responsible.

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