BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Trans Union credit reporting agencys shows fraudulent inquires, please remove all fraudulent inquirys and XXXX fraudulent account listed below XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX inquiry date XXXX XXXX acount XXXX XXXXXXXX # 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 2023-11-02
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:
Aidvantage is taking advantage of customers trying to pay back student loans. They are calculating the income-based repayment options incorrectly and forcing customers to pay twice as much. Typically my loan payment was around {$260.00} to {$280.00}. Even though I have filled out and continually renewed the IDR they initially made me pay {$630.00} for the first payment. I went on the Federal Student Loan service to renew again, even though I didn't need to, and it calculated my payment to be around {$330.00} to {$170.00} per month. However, after Aidvantage got the new renewal paperwork they sent me a pdf saying I would need to make 8 payments at {$570.00}, followed by a list of several other random numbers of payments at variable amounts after that. Obviously, that is not calculated off of the 10 % IBR as the Federal Student Loan site. I called them and was on hold for an hour before I finally got through. The customer service representative said they couldn't do anything something must be wrong with their algorithms for calculating the payments. They also said that lots of people were having this problem and they would have 'a person look into it. ' Now their chat customer service isn't working either saying the current volume is too heavy. Additionally, they will not list how much my payments should be they only do so moments before actual payment so that if they are wrong like they are, you do not have any time to do anything about it as they say it takes three weeks to 45 days to process any new paperwork. This is ridiculous they should not be handling money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: TX
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 AM XXXX XXXX I HAVE SENT MULTIPLE LETTERS TO THE BUREAUS BUT I DO NOT RECEIVE A RESPONSE. SOMEONE TOLD ME THAT THEY ARE SHREDDING LETTERS THAT THEY THINK IS FROM A THIRD PARTY. HOW CAN THEY DETERMINT THAT? I AM THE ONE SENDING MY LETTERS AND THEY ARE VIOLATING MY RIGHTS.

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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2021-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX is reporting inaccurate information to three major bureaus and this is hurting my credit score. They are reporting that I owe a balance of {$2900.00} The payment status is charged off but they keep updating the file. Also they are listing different information to each of the three major bureaus. They reported to transunion that their last date reported was XX/XX/XXXX, they reported to XXXX that their last date reported was XX/XX/XXXX, and reported to XXXX that their last date reported was XX/XX/XXXX. There is also inconsistencies with the date opened. Transunion states that this account was opened XX/XX/XXXX, XXXX shows that this account was open XX/XX/XXXX as well as experian. To my understanding everything must match when reported to each bureaus. This account is reporting with much inconsistencies as well as false information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Experian Information Solutions Inc.
State: MA
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 have been trying to resolve unknown account and I can not find a resolving factor overwhelmed with dealing with identity theft, fraudulent and data breach..Help me delete old unknown incorrect information so I can have a chance at the American dream of home ownership or business ownership.

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 2019-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 following accounts are not mines these accounts are due to identity theft and has not only affected my credit file but mentally drained me. I've also been victim of the XXXX  data breach. I'm demanding that the following accounts be removed from my credit file immediately. Please remove the following. 

1 ) XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX {$550.00}

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 2020-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am sending this request to Bank of America. The issue is a late payment reported on my account. The account information is the following : Opened date : XX/XX/XXXX, high balance : $ {$11000.00}, late payment reported on XX/XX/XXXX. 

I moved to California in XX/XX/XXXX. In a conversation with BOA, I have asked them to send me a new card. I was getting mail forward but some statements may not have come through. The late payment is due to an ANNUAL FEE. I was not even aware of carrying a balance, and then I was terribly surprised by this late remark on my report. 

I want to let Bank of America know that one of the reasons I moved was because I was affected by XXXX. This situation has been overwhelming for everybody. I know I am just one more victim, but please take that in count. 

I would highly appreciate if Bank of America removes this late on my report. I have an excellent record on my payment history, and please keep in mind that : 1. The late remark is the result on an annual fee. 
2. I was not aware of carrying the balance because I didn`t receive the statement. 
3. I was a victim of XXXX. 
4. I made the payment right after I realized about the balance ( on XX/XX/XXXX ). 

Thanks to whomever reads my complaint.

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 2023-05-26
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I opened this a Bluebird prepaid debit account in XX/XX/XXXX. My account shows a negative balance. I contacted customer service at XXXX. I was told that charges went through my account from XXXX and I had to contact them for a refund. I asked how the charges could have been posted to my account when there was not money to pay the charge. The answer was never clear to me. One reason put forth that there was money in the account when the charges were first pending. This is not true. The account balance was {$6.00} as of XX/XX/XXXX. On XX/XX/XXXX, XXXX charges were posted against the account in the amounts of {$4.00}, {$18.00} and {$13.00}. Another reason was that Bluebird has an agreement with XXXX to allow charges when there is not money in the account, but the dispute resolution representative, XXXX was unable to direct me to a list of vendors that have this agreement. 

I was told I was responsible for the charges. I have reviewed the Membership Agreement available online. Pursuant to paragraph 16 ( a ) : I am not allowed to expend funds in excess of the available funds in the account and it further states that if a transaction occurs, I am liable. This is a prepaid card, not a debit or credit card. This was not a case of two transactions happening in close proximity. There is no reason those transactions should have been allowed to process. 

Please explain to me why transactions are posted to an account on a prepaid card without money to pay the charge. This is completely deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Innovis
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:
I found accounts in my credit report that I didn't originate or applied for, these accounts are fraudulent and need to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive made payment arrangements as I had financial issues and made my payments. Later I found out I was reported to the credit bureau without my knowledge as I was making my payments. I tried to talk to them to remove it and their response was, whats done is done. I never gave my consent to the report as I was making my payments. 

The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.

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 2023-09-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, 3 Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that 3 Credit Bureaus are responsible for their tenacious rebelliousness. 

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 explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
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:
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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
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:
This is my NUMEROUS 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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-07
Company: National Credit Adjusters, LLC
State: WA
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:
In early XX/XX/2020, I was made aware of XXXX debts on my credit report listed by National Credit Adjusters. 

To save me some time and trouble I immediately called them the same day, XX/XX/XXXX, to get my account numbers and notify them I'd be sending in a letter with an offer of payment for removal of this unverified and unacknowledged debt from my credit report. I wrote the letter that day and sent it via certified mail not long after. 

This letter also outlined my request that I either get an approval of my offer within 15 days, or I revoke my offer and request full detailed validation of the debt as I'm afforded by the FDCPA. 

I have received no response, and repeated attempts to call them now are not answered - I wait on hold for an agent only to be quickly hung-up on. 

It is worth noting here, to save myself a potential step of back-and-forth, that I had the address listed as " XXXX XXXX XXXX XXXX '' in the letter itself since that was how the company 's address was listed on my credit report. However, it was pointed out at the post office when setting up the certified mailing that the address doesn't exist, and it was sent to the correct address on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Amazon Prime store card from Synchrony offers 5 % rewards in Amazon.com purchases. On my statement that closed on XX/XX/2019, I was awarded {$470.00} in rewards. However, I had {$24000.00} in Amazon.com purchases minus {$4500.00} in Amazon.com returns, so that's a net total of {$19000.00}. 5 % of that amount is {$980.00}, so I am {$510.00} short in rewards. My best guess to the reason is because I contacted Synchrony by chat on XX/XX/2019. The chat representative promised me if I convert my Amazon account to business Prime, I would still be eligible for the 5 % rewards. However, I believe during the conversion I suspect the linkage broke and caused me to stop earning 5 %. Please have this corrected as it was promised by the chat agent. 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 monetary relief
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 2021-10-12
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've asked many times for check images. Truist has failed again and again to provide them.

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