BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting 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 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 non-monetary relief
Consumer complaint received 2022-05-02
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: Information belongs to someone else

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. In XX/XX/XXXX I applied for a XXXX XXXX checking Account and was denied due to checking account fraud provided to early warning from XXXX  XXXX XXXX. I contacted XXXX  and I was told that on XX/XX/XXXX a fraudulent transaction was received from XXXX XXXX XXXX bank and credited to bank account # XXXX. XXXX records showed that the transaction was reported as unauthorized and deducted from the account. I have never used this account nor do I have access to it and I do not know anything about this transaction nor is it related to anything I have done or have been a part of. My account with XXXX is different from this one and I have had that account since XXXX. I filed a police report for this incident.

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 2023-10-23
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
Company: AMERISAVE MORTGAGE CORPORATION
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was looking to refinance my mortgage and used multiple refinance aggregators to determine which companies could offer the best rates based on my criteria. To receive rates you qualify for, you are required to enter zip code, credit score, property value, existing loan value, loan term, property type, property use, military/veteran status, mortgage points and amount of cash out you would like.

Based on these criteria, Amerisave consistently ranked as the top choice. On XX/XX/XXXX, it offered a rate of 2.50 % with 0 mortgage points and estimated fees of {$150.00} ( screenshot included ). After clicking through and entering the same information on their website I was preapproved for a 2.00 % interest rate which I assumed included mortgage points. I was called by a loan officer who obtained sensitive personal information to enter into a formal application. After an hour on the phone with her, she offered a XXXX point mortgage rate of 2.75 %, XXXX higher than what was advertised based on the same information. She explained that the 2.50 % rate probably included points XXXX it did not as shown on the screenshot ). I hung up having wasted my time. 

The next day, XX/XX/XXXX, the loan officer emailed that rates had fallen from yesterday and that I could receive a 2.625 % rate with 0 mortgage points. I ran the same calculator and Amerisave popped up again as the top lender on the advertisement with a 2.50 % rate under the same criteria. I then sent screenshots to the loan officer asking why they continued to advertise a lower rate based on my criteria. She first responded that I had entered the loan amount too low. This was incorrect, and I sent her a separate screenshot increasing the loan amount even higher to show I still received a 2.50 % rate. 

Today, on XX/XX/XXXX she said she ran my criteria on the same website and it resulted in a 2.625 % interest rate as discussed. I did the same thing and it did indeed now show a 2.625 % interest rate. My question to her was why her company had advertised a lower rate for the two previous days only to waste my time for an hour plus, gathering sensitive personal information which is now in the hands of multiple third parties as I have continued to receive countless calls and emails with refi offers now.

This appears to be deceptive advertising meant to generate traffic to their site only to offer a separate rate once all information has been collected. My credit score is XXXX, with an LTV of 35 % on the home. Absolutely nothing gathered after receiving my personal data should have changed the rate advertised from 2.50 % to 2.75 %. In my mind, this is deceptive advertising and an abusive tactic towards consumers of this product.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: CURO Intermediate Holdings
State: TX
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:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that AD Astra Recovery would verify the debt. So I took it upon myself to ask AD Astra Recovery for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Association Capital Resources, LLC
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:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have not been able to access either my credit report or my credit score since XXXX of 2021 when I began exercising my rights to dispute and challenge the validity of what the credit agencies have been reporting. When speaking with XXXX  and Equifax they informed me that due to filing complaints I can not gain access to my credit file or credit score. This has caused a delay in my ability to progress and provide for my family due to access to either XXXX  or Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX, XXXX AND TRANSUNION HAVEVCOMPLETLY AND DELIBORATELY IGNORED THE LAW AND CONTINUOUSLY VIOLATE MY CONSUMER RIGHTS PURSUANT TO : 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I HAVE NOT SUBMITTED MY WRITTEN CONSENT!!!!! NO WRITTEN CONSENT IS IDENTITY THEFT. 

As a consumer, I am demanding a THAT THE FOLLOWING ACCOUNTS BE UPDATED TO PAID AS AGREED NEVER LATE.!!!! 

XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IF THESE VIOLATIONS ARENT REMOVED IN 7DAYS I WILL BE FORCED TO PURSUE LEGAL ACTIONS AND MONETARY COMPENSATION FOR THE EXCESSIVE CONSUMER RIGHTS VIOLATIONS.

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 2018-05-01
Company: Nelnet, Inc.
State: NY
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:
have been paying loans since XX/XX/XXXX was late 30 days due to XXXX transferring the loans to Nelnet. Once contacted Nelnet and set up auto deduct for $ XXXX month on a payment due of $ XXXX/month which is taken ever XX/XX/XXXX of the month. never received 1 monthly statement only get a letter from XXXX that my payment is being deducted. get a YE interest statement but no other communication. Called to see when my loans should be done since I have paid extra each month and it has been more than 10yrs. My total loans were {$19000.00} ( 6 % interest ) when I started. They are saying it is in default and I still owe over {$21000.00}! I asked where all the $ I paid went and they told me it went to collections/default fees. I was never told it is in collections/default etc. no letters, calls, nothing! lived at the same address for 17 years. my credit report says they are closed and the balance owed is {$0.00}. called my school and they said that my loans show a green status. my tax refunds have never been held for non-payment nor has my paycheck been garnished. Do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made my XXXX student loan payments early and on time, under the SAVE program. I made the payment for the balance that was due. I checked my balance for my student loans and noticed the balances due increased. I emailed Aidvantage due to the fact that under SAVE program the balance shouldnt increase as long as I pay full balance due. When you try to call the hold time is long and calls hang up. I have received no response to my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Credit Karma, LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I saw that on or around XXXX, I saw a lot of pre-approvals on credit karma. At first I didnt pay it any attention but, credit karma kept sending me all sorts of pre-approvals telling me that I was pre-approved for credit cards, personal loans and that I can refinance my car. Every day I would see these offers ever time I logged in to check my credit scores. So after a few months of being told that I was pre-approved, I thought I was now in the perfect place to apply. I go so many offers thru credit karma I started telling my family about vacations and investments that we were going to use these pre-approvals for. So I finally applied on or around XXXX at least XXXX times within that timeframe, but I got denied for credit cards, personal loans and other offers. I was disappointed and heartbroken. Credit Karma told me I would be approved but, it was all a lie. They violated FCRA and my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I spoke with someone today and received no help. I paid off my balance with this company on XX/XX/2019 but when they reportes to the credit bureaus on XX/XX/2019 they reported thag i still owed them a balance. I had the credit bureaus dispute and they replied to the dispute saying the charges were valid which is incorrect.The account is STILL open but there is a zero balance.

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 2023-10-24
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-29
Company: Block, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
The issue is with CashApp investment department. On XXXX XXXX Cashapps systems malfunctioned due to an unknown issue, after this occurred my account had changes to it. At first I noticed that the average on a stock I own had been inflated. From around XXXX $ a share to exactly {$100.00} a share for the average. I investigated further and it appears that my total invested amount was increased a XXXX XXXXXXXX dollars from what I actually had invested. This mysterious increase has made it impossible to achieve gains in green. They continue to tell me its a display error but when I click to realize my current gains, it shows me I will receive a significant amount lower than what I actuality should receive. If I decide to get out of this particular stock this would put me at an extreme loss of money. Ive contacted their department for the last 22 days with no resolution. Customer service has been terrible to deal with and at times flat out rude to me about the situation. Even suggesting I realize the gains while its showing the error. I have contacted FINRA but service has been slow. Every day that goes by I miss opportunities for my investment or to make decisions regarding my investments. Please help me! If your company cant help me with this please point me in the right direction. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've been noticing the last two and a half years that my escrow is a negative and I just started ever since Corona and I lost my job I've been able to analyze my escrow and I've been putting in a couple complaints with the escrow department through SPS for them to check my escrow four different times and they keep sending me letters back stating that they've checked it everything 's good but I have found several mistakes in the last two and a half years actually I called them a couple months ago and they just had to readjust for my insurance premiums so if you could call me at XXXX and I can explain further and show you an email you copies of the information I have gather through my escrow analysis of the mistakes that I see and I also have caught them paying my taxes more than twice a year and also the amount that is paid every year they have over it and never given me the credit back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint:
Sallie Mae approve me as a co signer@12.5 interest on both variable and fix rate for $ XXXX for 1 year with monthly payments over {$540.00} for 144 month. My son may need this loan for 4 years meaning $ XXXX with payments over {$2200.00} monthly after he graduates. I called them and they said thats a system approval and nothing they can do. My credit is over XXXX and their advertisements shows rates from 1.5 percent. How my son will pay this amount after graduation. This is not right. We are setting my son to have stress to make this payments. This is predatory XXXX XXXX  when you set up an individual for failure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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