BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
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: Need information about your loan balance or loan terms

Complaint:
I had a loan with XXXX  it apparently transferred to Aidvantage they claimed in an email sent to the email on the account that I owe money that starts in XXXX, I tried calling to get my account enabled after login and register both failed do to XXXX account or account not found. I called today XX/XX/ after an 1hr on hold someone picked up said I did owe money on a loan, I asked Very clearly multiple times to get my account re-enabled she said an email would be sent where I just had to follow the steps and my account would be back up. and hour later that email shows, its no different than clicking the register button but fine I try the steps, it doesn't work, its the same failure as before. I have no way of contacting them other than this phone number, I can't get into my account to do anything. How can I owe an unknown amount of money that does not show in my Fafsa account, and be expected to pay in XXXX when the Student Loan provider Aidvantage will not allow me to access my account. This is a very serious complaint and my only other option before contacting a lawyer. I just called again while typing this and they hung up after I was on hold for several minutes. Just wow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have been banking with Bank of America since 2007 when I graduated highschool. I have never had issues with them despite their negative feedback everyone had about them even my spouse. I convinced my spouse that we should still keep the checking and savings with them. A month ago, my boss gave me a bonus in cash. I went to an ATM to deposit that bonus and some other cash I had in hand. I put my ATM card and clicked that I wanted to deposit the cash. After inserting the cash, {$800.00}, the atm froze and after a minute it gave me back my card and refused to return my cash. It gave me paper that stated " we apologize for the inconvenience, We are unable to process your request and return your items. Please contact our Electronic Claims Team and discuss this transaction ''. I rushed quickly to a bank nearby and reported this. Then gentleman told me to call the number that he could not do anything. I called the number and reported the matter. They gave me temporary credit of the amount while they investigated. XXXX week later they sent me a notice that they located the transaction but not the funds and they will deduct the temporary credit on the XXXX. When I called the representative yelled at me stating their is nothing else they can do. I spoke to a supervisor who asked me to send in the paper the atm gave me which I did. Today I called and they told me they still could not find the funds and there is nothing they can do and they will deduct the {$800.00} on the XXXX of XXXX. They state that I was at the atm but because of so many fraudulent activity that go on they can not know who is who. At this point its my word against theirs. But this is highway robbery and the only God knows. I need my money back. It saddens my heart that they can not investigate any further especially if they can see I was at the ATM. It is like no one cares at all.

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 2023-05-04
Company: EQUIFAX, INC.
State: GA
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 XXXXXXXX XXXX XXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It hasbeen more than XXXX XXXX since I originally wrote them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: NY
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
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:
In accordance with the Fair Credit Reporting Act. The list of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquires have been posted on my credit report without my permission, which violates my rights. 

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, On XX/XX/2022 my husband lost his job due to cutbacks at the company he worked for. We sold some personal belongings and scrapped along to pay our mortgage. But, by the middle to of XXXX, we knew we were going to fall behind. At that point, my husband, contacted our home loan company, LoanCare, and told them our situation. We have an FHA backed loan. They told us to go to their website and fill out the loan assistance paperwork. We did that on XX/XX/XXXX. On XX/XX/XXXX XXXX requested specific documents be sent over via email. My husband and I gathered everything that was requested and sent it over on XX/XX/2022 at XXXX. 
We were assigned a Mortgage Resolution Advocate, XXXX XXXX, on XX/XX/2022. We were given a specific phone number and extension so that we could reach out to XXXX XXXX XXXX, if needed. 
On XX/XX/XXXX we received a request in the mail from LoanCare asking for another document, a monthly budget statement. My husband and I had already sent this over in the email on XX/XX/XXXX, but we went ahead and sent it over again. We also requested, in that email, to have XXXX XXXX XXXX  call us with an update on the loan assistance. We have never received a response via email or phone on the status of our requests. My husband is still unemployed. He is also XXXX  with XXXX XXXX and the stress of this has taken a toll on his health. We have tried calling XXXXXXXX XXXX XXXX at the toll free number provided to us but when we call we only get a loan assistance officer working from a call center. When we ask to be transferred to XXXX XXXX XXXX extension that was provided to us we are told " We have no way of transferring to an extension. '' So, we are stuck not knowing what is going on or how to contact anyone about our request for loan assistance. My husband email AGAIN on XX/XX/XXXX and we have received no response. 
After doing some research on the internet I found that LoanCare is notorious for not following up with people and then blaming them for not sending over the requested paperwork in time to provide loan assistance. I was under the impression that having an FHA backed loan provides us with more assistance options. But, since we are unable to get a hold of anyone at LoanCare in the Mortgage Assistance Department, we can't get answers to our questions. This is all been very stressful. We have been in our home for 19 years, made every payment on time, but have fallen into a difficult situation for the first time in our lives. It frustrates us that we, as Americans, don't do more to help those that have a track record of paying on time and doing the right things. We do not want to move from our house. It is equipped to handle my husbands handicap issues and moving is not an option if we can just get a little assistance until my husband finds a new job. 
We hope the CFPB can reach out to LoanCare and get them to follow up with us. Its been over a month since we first contacted them. 

Warmest Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Inquiries are not mine XXXX XXXX balance incorrect

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 2023-10-27
Company: WELLS FARGO & COMPANY
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
My XXXX was repossessed after the company failed to help when I requested help in extending my payments when going through a hardship of divorce and unemployment due to XXXX. I then tried to catch up on my payments and they refused to take any payment from me, and said that my loan was in repossession status. THEY DIDN'T COME AND GET MY VEHICLE UNTIL XXXX OF XXXX! I had storage fees charged to me and everything with the repossession and having to wait so long for them to come get it. I was very displeased over this company having no sympathy in the situation and not even trying to find a solution with me. My credit was wrecked over a 2-3 month period just because life happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: NY
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 8th 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, NY XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date Updated : XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX  XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
I have always made timely payments on this account and am therefore requesting that this late payment be removed from my account. It is unacceptable that this late payment is on my record despite my efforts to pay on time each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
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 status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-Balance {$0.00} XXXX XXXXXXXX-Balance {$0.00} XXXX XXXX-Balance {$520.00} XXXX XXXX-Balance {$270.00} XXXX XXXX-Balance {$200.00} XXXX-Balance {$1400.00}

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 non-monetary relief
Consumer complaint received 2020-09-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 2023-05-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous.The 3 Credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmedinformation without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account : XXXXXXXX XXXX XXXX {$620.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Colony Brands, Inc.
State: WI
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:
according to the XXXX15usc1681 section, 602h is hurting my credit file please remove the following items tomorrow and main # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO RECOVERY IS REPORTING TO THE CREDIT BUREAUS THAT I OWE A DEBT OF {$290.00} FOR AN ACCOUNT OPENED XX/XX/2012 WITH AN ACCOUNT NUMBER ENDING IN XXXX. I HAVE WRITTEN THEM A LETTER ADVISING THEM THAT THEY NEED TO STOP REPORTING INCORRECT INFO UNLESS THEY CAN PROVIDE ME WITH PROOF THAT THE DEBT IS MINE AND THIS IS WHAT THEY SENT ME. WHICH DOESN'T PROVE ANYTHING AND THEY REFUSE TO STOP REPORTING INCORRECT INFO.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: LA
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:
Date opened XX/XX/XXXX Details XXXX XXXX Additional information Account is in violation 15 usc 1681a Account collections XXXX written off. XXXX past due as of XXXX XXXX which is failure to report complete and accurate information. Showing a past due balance on a closed account is a violation of 15 usc 1681 As well is incomplete inconsistent and accurate information violation of 15 usc 1681 XXXX shows payment history from XX/XX/XXXX delinquent and a past due balance and collection status with one month term Equifax collection past due no term unpaid status XXXX show no payment history opened account no term no status All three were updated as of XX/XX/XXXX Each affect by FCRA LAW does not SHOW COMPLETE ACCURATE AND CONSENT I have given 30days for the investigation to properly be done and i do not believe it has been done and now I am DEMANDING THE ACCOUNT TO BE DELTED AND I WILL SEEK TO EXCERISE MY RIGHTS TO FILE SUE TO SEEK DAMAGES UP TO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Exeter Finance Corp.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I am writing to address a deeply concerning and inappropriate incident that occurred in relation to my car purchase at XXXX XXXX in XXXX, Ga dealership. My intention is to bring to your attention the unprofessional and deceptive conduct I experienced, which I believe reflects poorly on your establishment 's values and practices. 

As a recap, I visited your dealership with specific requirements for my vehicle purchase, including a maximum APR threshold and the inclusion of full Gap coverage. Regrettably, these requirements were not upheld, and I was left deeply dissatisfied with my experience. Exeter Finance is the company that they financed me through but told me I had a lower APR and gap coverage but after 3 months I found out it was all a lie. 

However, what transpired afterward has left me both shocked and disappointed. After 2 months an individual from XXXX XXXX XXXX drove a considerable distance of two hours, in the middle of the night, to surreptitiously place the necessary paperwork from Exeter Finance in my car. While I acknowledge the effort made to rectify the situation, this action raises serious concerns about the transparency, honesty, and ethical standards of your dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: NJ
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief