BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-03
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-13
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Schools First directed me to the XXXX XXXX XXXX XXXX. That California state program awarded me {$70000.00} to catch up completely on my mortgage due to covid income reduction. Schools First will not accept the money from the state of California to the point that the State agency has asked me twice to contact Schools First and tell them to accept the money. I have contacted Schools First and they refuse to accept the money to bring my mortgage current. I have been in foreclosure since XX/XX/2022 and have worked extensively with Schools First Loss Mitigation ( called XXXX ) ; they have " lost '' my application more than 10 times, scheduled 4 or 5 short sale foreclosure sale dates, refused to keep me updated, started me over in their process more than 10 times, and added on one ridiculous demand after another ( oh we lost your current bank statement we need 3 months more ), over and over again. All I want is for Schools First to accept the {$70000.00} grant awarded me from the XXXX XXXX XXXXXXXX XXXX and bring my account current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I redeemed reward points with Capital One for a {$100.00} gift card from XXXX. The gift card arrived without the {$100.00} funded. I called Capital One and spoke with a representative named XXXX. After waiting on hold with XXXX for over XXXX minutes, my phone call was transferred back to Capital One 's automated system. I would suggest that XXXX transferred my call purposely as she described my issue as " hard ... due to the complex procedure. '' Due to my XXXX, I don't have time to wait on hold to be transferred endlessly or for an unnecessarily complex procedure. Please either fund the {$100.00} on the gift card that you mailed me or send me a replacement. Upon request, I can provide the gift card number and/or the letter that accompanied the gift card that Capital One issued. The money is for holiday gift purchases- please resolve expeditiously.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2022-10-29
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 value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your 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 XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-07-16
Company: Experian Information Solutions Inc.
State: NV
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 information on the Experian Credit Report is incorrect with the exception of one name, one address, one year of birth. That correct data is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NV XXXX DOB XX/XX/XXXX, and with one state ID ( no drivers license ) NV State ID = XXXX I was XXXX during the XXXX XXXX into the early XXXX XXXX 

The creditors - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. 

During the years I supposedly went into debt with these companies, I was XXXX and not only unable to use their service but had no access to 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
Consumer complaint received 2023-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX XXXX XXXX, I was at the XXXX XXXX XXXX XXXX XXXX, waiting for my flight to board, XXXX XXXX XXXX XXXX XXXX 

Well, while waiting, I decided to pay XXXX XXXX XXXX for an Add-On called International Roaming for {$35.00} before tax. When I paid it, a total of {$37.00} and change was charged to my Bank of America debit card ending in XXXX. A confirmation number was then given to me, XXXX. 

When I arrived to my destination, XXXX XXXX, XXXX, XXXX XXXX. XXXX, the service did not work. So, I dialed ( XXXX ) XXXX from my XXXX 's cell phone XXXX, and tried to resolve this problem with XXXX. This conversation took place around XXXX XXXX  XXXX. At the very end, XXXX said I'm entitled to a refund because the service is not available in XXXX XXXX, XXXX. 

I don't believe the service is not available. I just think somebody else had my real cell phone. Either way, I'm submitting this complaint to recover {$37.00}. 

Please have my personal checking account credited {$37.00}. The XXXX Roaming NEVER worked from my handset. I'm currently using my XXXX 's private WiFi to submit this complaint. 

Again, please have that transaction returned. XXXX said that it's highly refundable. 

Thank You, 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 monetary relief
Consumer complaint received 2023-07-31
Company: Maximus Education, LLC dba Aidvantage
State: NJ
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 Student Loan Servicing XXXX XXXX ( Account XXXX ) I write in regard to inaccurate billing practices of Aidvantage. I was told that they will not participate in SAVE on Federal Loans, have refused reimbursement of overpayments made during Covid forbearance, and stated they will " restart '' my max repayment timeline from day 1. 

With the changes in student loan processing, I questioned my XXXX amount of {$370.00} as it seemed inaccurate. 

Based on my calculations XXXX should be at Total Income : XXXX XXXX XXXX  XXXX ( XXXX ) Discretionary Income XXXX @ XXXX XXXX  XXXX = {$220.00} Monthly I was initially promised forgiveness after 10 years of qualified payments on student loans at inception which was eliminated when XXXX purchased my loan balances from XXXX XXXX. With the new policies in place, I requested a review of overpayments and forgiveness that should lower the balance significantly. Aidvantage stated that they were restarting my timeline of qualified payments and starting over with a XXXX XXXX XXXX XXXX pay plan with an estimated pay off/forgiveness year in XXXX. 

Aidvantage stated they will not participate in SAVE, will be calculcating at XXXX XXXX  XXXX AND XXXX XXXX discretionary income. As a result of my inquiry, I was further penalized with a {$50.00} increase in monthly payments from {$370.00} to {$400.00} that appears to be a discouragement to the lender in questioning their billing practices. 

I requested review explaining that after the passing of my mother, I was left to care for my father who suffers from XXXX. I was forced to move as a primary caregiver and do work full time to help cover his XXXX expense at a XXXX XXXX XXXX He does require XXXX care. Additionally, I am XXXX as well, although not collecting any form of XXXX. I am able to work in my field remotely - however, I do have my own medical expenses as well. 

Below is a breakdown of payments/loans including overpayments that should be credited. 

Loan # Original Amount Repay Date Paid In Full Overpayments Anticipated Forgiveness Date Forgiveness Amount XXXX {$9500.00} XX/XX/XXXX XX/XX/XXXX {$3300.00} XX/XX/XXXX {$3300.00} XXXX {$10000.00} XX/XX/XXXX XX/XX/XXXX {$8900.00} XXXX {$5200.00} XX/XX/XXXX XX/XX/XXXX {$4600.00} XX/XX/XXXX {$4600.00} XXXX {$11000.00} XX/XX/XXXX XX/XX/XXXX TBD XXXX {$12000.00} XX/XX/XXXX XX/XX/XXXX TBD XXXX {$7800.00}. XX/XX/XXXX {$7600.00} XX/XX/XXXX TBD` I am formally requesting review, write off of balances at 10 years totaling XXXX. 

I have also requested a full refund of overpayments totaling {$15000.00} which Aidvantage stated they are unwilling to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: AZ
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:
As outlined further in the letter sent to XXXX XXXX Mortgage, a fault in the autopayment system of the company caused a reported delinquency in a mortgage payment for my primary residence. Upon explaining the background of the issue, contacting the credit bueraus, and attempting to work with XXXX to remedy the issue ( the account is always paid on time and is not delinquent to this day ), the company has refused to remedy the issue. XXXX is nonresponsive to any further requests or appeals and reiterates solely the a " payment was late '' while failing to recognize the cause of the late payment or the failure of XXXX to properly notify me as the consumer of the issue and how to remedy it. Regarldless of my continued logging in, at no point did the online portal show a delinquency and at all times displayed autopay as being active. I will need to continue the appeal process and move forward with litigation against the company in the event the continue to fail to respond. I would highly recommend against getting a mortgage with this provider.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
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 sent a letter last XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$120.00} XXXX XXXX XXXX XXXX Balance Owed : {$24.00} XXXX XXXX XXXX Balance Owed : {$200.00} XXXX  XXXX Balance Owed : {$8000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$9.00} XXXX XXXX XXXX XXXX XXXX Owed : {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Account Included in Bankruptcy : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-08
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: Was not notified of investigation status or results

Complaint:
Yes, CFPB I am filing this complaint for myself. I know that you all are good at trying to use a stall tactic thinking a consumer has had a third-party company help them with their complaint. But XXXX I know my rights and have read about the laws sorry that I have common sense to help myself with such matter. On XX/XX/2022, I submitted a letter to XXXX and proof of the inaccuracies on my credit report and have yet to hear anything from them. I have seen on the credit monitoring service that I used that all they did was change one month of a late payment to another. I want them to provide me proof of who they verified this account with and what method was used. I have made XXXX aware on numerous occasions that I do not consent to their e-Oscar or any other type of automated methods for investigations. Today is XXXX XXXX and nothing. XXXX has violated my rights as a consumer to verify my account with honesty and they have failed to do so. This account has several violations and inaccuracies, and the proof is going to be added with this complaint for deletions due to FDCPA Section 807 Violation Misleading False Reporting and also not being in compliance with METRO 2. I need this account to be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was XXXX  in XXXX until XX/XX/XXXX. Someone opened accounts in my name fraudulently. I went through XXXX XXXX and XXXX to dispute these and these companies told me to report it to you also. The accounts are as follows XXXX XXXX XXXX opened XX/XX/XXXX in the amount of XXXX XXXX ( I was in XXXX XXXX ) XXXX XXXX XXXX accounts dates opened are XX/XX/XXXX, amount XXXX XXXX XX/XX/XXXX unknown amount, XX/XX/XXXX unknown amount ( also in XXXX for these dates ) XXXX XX/XX/XXXX {$550.00}, XXXX XXXX XX/XX/XXXX {$3500.00}. XXXX XXXX  XX/XX/XXXX {$460.00}, lvnv XX/XX/XXXX amount {$660.00} ( these are collections from dates I was in XXXX. Also two XXXX Massachusetts  addresses Ive never known or lived at. I attached my XXXX background check shows my dates I was in XXXX  and how much time I got. To show I was in XXXX. Along with my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
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:
I was involved in the massive data breach from Experian/XXXX  were I just received a settlement pay, also, I received a letter from the FBI that my personal and financial information was found with someone who did not have my permission to use my social security information

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 2022-10-29
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
XXXX improperly reported a late when I was on auto- debit. Person an the phone did not take credit card auth properly. 

XXXX acct XXXX I have attempted to resolve this issue to no avail. This was reported to the credit reporting agency without my consent and is a violation of my rights according to the FAIR CREDIT REPORTING ACT. 
15 USC 1681 602A states I have a right to privacy.

15USC 1681 section 604A also states a consumer reporting agency can not furnish an account without my written instructions..

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 2022-10-29
Company: Bread Financial Holdings, 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 and reporting act this creditor has violated my rights under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 a section 2 states a consumer reporting agency can not " FURNISH '' an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Navient Solutions, LLC.
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:
My name is XXXX XXXX, I reacently found out about a loan that is not mines an i aslo saw that i disputed it on my credit report a whe ago, did not realize that until i got a copy of it, and it was under a diff name. I spoke with navient on/around XX/XX/XXXX. I advised them about a loan that was under my name that I did not take out because I never attended school in XXXX, nor did I know about this school. The amount was for {$1300.00}, through XXXX XXXX initially, then they said it was under XXXX XXXX which is now handled by Navient formerly Sallie Mae. 
I was advised to write a dispute letter and submit military documents as well showing that I was in the military and also signed up in XXXX. I did that, then after sending on those documents, they claimed they did not get them, so I sent them again, later after that I still hasn't heard anything and was sent a fruad packet to have done. Included in there they wanted a police report. I told them you can not do a police report for something that happened in another state -- in another state. I currently reside in Texas and this incident happened In XXXX XXXX in XXXX. So when I went to the police station yesterday, XX/XX/XXXX he stated the same thing, that he can not do a police report for something that happens in another state and jurisdiction but would take note that I went in to give him this information and gave me a file number as well. He also stated that the companies are supposed to use the number to request the report or what was taken down. So I advised Navient escalations team of this, and she continued to go back and forth with me and told me if its that easy then I can do it and I told her I would not then asked to be transferred to a supervisor. She made it seem like she only had one supervisor and said she would transfer me to their voicemail and basically put me on hold after asking to speak with someone over her. I need this situation to get handled because it is affecting me maybe receiving grants for the upcoming school semester. 
Police file # XXXX Jurisdiction, XXXX, TX Account # XXXX Amount : {$1300.00} XXXX XXXX Navient XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: FL
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:
I asked the creditors bureaus to do a Theral review of credit report the did, but i did research and found improper even after they did the review. 
in accordance with the fair credit reporting act convergent the accounts 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( only Equifax ) Acct # : XXXX XXXX ( charge off ) Acct # : XXXX have violated my rights 15.usc1681 section 602A sec2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
what would you want as resolution

Company response to consumer: Closed with non-monetary relief