BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-24
Company: Schreiber Law LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Schreiber Law , LLC contacted me via phone on XX/XX/2020 at XXXX. A message was left by a " XXXX XXXX '' requesting a call back. The call came from XXXX. The call back number provided was XXXX. Both numbers are associated with Schreiber Law. I have the message save and can provide upon request. 
The next communication I received from Schreiber Law was a letter dated XX/XX/2020, advising they represent the current creditor, XXXX XXXX XXXX XXXX as an assignee of XXXX XXXX XXXX An incomplete account number was provided. Schreiber LAw referenced their file number XXXX. 
This is a blatant and brazen violation of the Fair Debt Collection Practices Act 15 U.S.C. 1692g ( a ), as Schreiber Law was required to send Notice of debt/contents within 5 DAYS of the XX/XX/2020 phone call. 
This is clearly unfair and deceptive communication tactics of an alleged debt not proven to be owed by me, or owned by the current creditor, or legally collectible.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
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: Problem with customer service

Complaint:
I have very important details to discuss with Aidvantage about the status of my XXXX plan and the status of my XXXX credits under loans serviced by Aidvantage 's predecessor, XXXX. I have attempted at length to discuss this with Aidvantage, but they do not seem to answer their phones and insist that borrowers must write letters to them and await letters in response. Yes, you heard that right. We have literally been writing letters back and forth to each other. I just received one in the mail a few weeks ago, which arrived close to a month after I sent my last letter, and it did not resolve the question I was asking in my letter. I feel like they are gaslighting me about the status of XXXX credits. It has taken months and I still don't have the information I need. My ask is simple : I would like a phone call with someone competent to discuss my student loan account, including the status of XXXX credits I should have from Aidvantage 's predecessor, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased two airline tickets using my CapitalOne Visa Signature card. My flights were cancelled because of the ongoing crisis. To my knowledge, there were no government laws prohibiting the flight at the time of cancellation. I purchased the tickets through a third party and not directly with the airline. The airline at that time was offering a full refund. I reached out to the merchant as well as the airline without any success. I was advised by the issuer ( CapitalOne ) to dispute the transaction, which I did. I provided all the necessary information including proof that the flights were cancelled by the airline as well as my attempts to resolve the dispute with the merchant as well as the airline. 
My dispute was declined and my credit which was issued by the bank was rescinded. The bank ( CapitalOne ) told me this was as a result of Visa not finding the merchant at fault because they were a third party. I explained to the issuer that it specifically stated in the terms of the merchant that they are bound to the laws of the company of the customer and that under 14 CFR 399.80 ( l ) refusal of a third party to issue a refund for a cancelled flight is an unfair and illegal business practice. See https : XXXX. I was told that they lost there chargeback privileges and I will have to settle with the merchant directly. 

A manager at CapitalOne told me that the real reason I did not win the dispute was because the original representative of CapitalOne had entered the claim wrong and not because of lack of credible evidence that I deserve a refund. He added that once they lose their chargeback option there is nothing he can do for me now. 

I have since called the airline and they told me that they are only offering vouchers which are of no use to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy 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 2018-04-28
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My complaint is about a transfer of loan servicing. My mortgage loan is transferred to Rushmore Loan Management Services LLC effective XX/XX/2018. l mailed the payment due in the same amount due from my previous servicer. I just received a letter telling me the payment amount has been increased and Rushmore did not explain why the payment is increased. It is impossible to speak with the servicer via telephone because they say they can not find my account. It is not possible to make a sign-in account on their Internet site because a message appears that says my information does not match my account. I am using the same information that I received in correspondence from Rushmore. I did some Internet searches and discovered a litany of abuses by this servicer, one being the obstruction and/or refusal to accept payments. So my situation is that I mailed them a payment and now Rushmore says the new payment amount is higher and I don't know how to solve the problem. I do not have the ability to accept their phone calls, yet they say that my account can not be available to me unless I talk to them on a phone call which they originate. The requirement for me to be accessible via a telephone call originated by Rushmore is obstruction of account access and other options that are available i.e. electronic, are also denied access. It should not be this difficult to obtain information and make payments. I suspect it is intentional obstruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: GA
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 am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-02-25
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On on XXXX XX/XX/XXXX I deposited a check for {$36000.00} to my ROTH IRA account. I was told that it would take 2 business days for the check to clear but after 6 business days the check had not cleared but had been recalled by the issuing bank because of a miscommunication between myself and the check issuer Navy Federal Credit Union subsequently froze my checking, savings, money market, ROTH IRA, debit card, credit card and online account access for supposed suspicious activity. I received an email from them on XXXX XXXX about this I called Navy Federal Credit Union Security people they were rude and told me they suspected i was being scammed and would not let me provide proof otherwise and froze all my accounts. I contacted the attorney that is representing the funds owners the provided a legal deposition/affidavit filed in the State of New York , Supreme Court , Appellate Division , Third Judicial Department on Friday XXXX XX/XX/XXXX, my accounts are still locked. This is the second problem with taking way too long to resolve issues on XXXX XX/XX/XXXX by bank account information was Phished and it took them on XXXX XX/XX/XXXX by bank account information was stole/phished/spoofed and it took them in excess of 42 days to return money stolen from my accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX incorrectly reported me late. I reached out to Experian and XXXX  and they " investigated '' One day later the incorrect information was upheld. Im furious, XXXX get an intelligent person at 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 2020-08-21
Company: EQUIFAX, INC.
State: PA
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 a formal complaint that the credit bureaus are reporting inaccurate and incomplete credit information on my file due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 had the credit bureau 's to verify public records on credit report information they come back with a response that they have verified with the federal courts. Federal courts has sent a letter they do not verify with any agency. So it is clear for that matter you told a lie. A letter from the federal court is 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 2023-09-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-03
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, I received an email from XXXX for credit alert as below on XX/XX/XXXX the following change to your credit file has been detected. 
Change : Major Derogatory Account XXXX : CAINE & WEINER Reported by : XXXX Below are details I found when i login to XXXX. 

Account info Account name : CAINE & WEINER Account number : XXXX Account type : Collection Responsibility : Individual Date opened : XX/XX/XXXX Status : Collection account. {$150.00} past due as of XX/XX/XXXX. 
Status updated : XXXX XXXX Balance : {$150.00} Balance updated : XX/XX/XXXX Recent payment : - Monthly payment : - Original balance : {$150.00} Highest balance : - Terms : 1 Months On record until : XX/XX/XXXX Original creditor : XXXX Contact info Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I am never a customer of XXXX, This is Fraud. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: WV
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 am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits.

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.

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 2020-08-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX is reporting a XXXX collection account to Experian & XXXX. in the amount of {$580.00}, this balance was paid in full in XXXX. 

I disputed this account many times with the consumer reporting agencies and they have not removed the account from my credit report or given me results of their investigations. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance : {$580.00} Account Status : Derogatory

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 2021-04-01
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Payments on Account # XXXX were made in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for more than the minimum amount due each month and more than enough to satisfy any fees on the account. I was in contact with XXXX XXXX through phone and chat confirming that my account was in good condition and that the issue was on their side. I also requested that an investigation be opened to find out why my account was accelerated for the full note in XXXX which was more than the agreed upon monthly minimum payment. Representatives confirmed with me that there was an issue and that the issue would be resolved and that I am current on my loan. XX/XX/XXXX was the final payment for the loan and in XX/XX/XXXX, my credit record was hit for two late payments in XX/XX/XXXX and XX/XX/XXXX. I have since disputed this multiple time with all three credit agencies. Secondly, anyone can pull my credit record now and clearly see the payment history on this account and it will show payments ( more than minimum ) received in the same months that are reporting late, how is that even possible? I made every single payment on this account including interest and fees on time from XX/XX/XXXX to XX/XX/XXXX, and I was never 30 days or more late ever. XXXX XXXX manipulated the amounts by accelerating the account for the full loan payment without prior communication and representatives fail to document disputes and / or disputes were erased and never investigated.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: PA
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:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-08-03
Company: Capio Partners, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXX back in XXXX of 2022 at XXXX XXXX XXXX and am currently and was insured at the time through my current employer by XXXX. My insurance covered most of the cost of XXXX and there were two balances that I was required to pay which both have been fully paid for. Last month, I started receiving harassing calls from a company Capio Partners which I have never heard of. They knew my birth date and home address, so I thought they were a legit company. They went on to say that I owed a balance of {$2500.00} for XXXX by a company XXXX XXXX XXXX. I was completely dumbfounded. Capio stated I owed this amount since I was uninsured. I told the representative XXXX that they are mistaken, and I have insurance and my debts for XXXX were paid months ago. I received two more calls within a weeks ' time regarding this again. I told XXXX 's supervisor that I was sick of the harassing phone calls and that I am not paying anything because I have never heard of this company or Capio nor did I ever receive a bill from this anesthesia company. Anthem also has contacted them on two occasions stating that they can submit a bill to them, and they would review it, but all debts for service were fulfilled by them on XX/XX/XXXX with proof, including {$1700.00} that XXXX actually paid for anesthesia services. So, since this was already paid why am I continuously receiving calls? I am upset that this company somehow got my personal information and is doing false claims. I'm aware that there are numerous complaints against Capio Partners and that they can even go as far as reporting this on someone's credit report. This company needs to be stopped immediately. I want them to cease and desist calling me and saying that I owe this outrageous amount for something my insurance 100 % paid. Proof of payment is attached.

Company response to consumer: Closed with non-monetary relief