BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-10
Company: Experian Information Solutions Inc.
State: IL
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:
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 representative 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 and 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 I'm XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE I'm XXXX now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19
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 hope this letter finds you well. I am writing to bring a serious matter to your attention concerning the unfair and deceptive practices of AidVantage in relation to my student loans. 

I am currently enrolled in a full-time graduate program, and as per the regulations, I should be exempt from student loan payments during this period. However, AidVantage has continued to charge me, causing significant financial strain and stress. 

Attempts to contact AidVantage have proven futile, as their customer service is virtually unreachable. This lack of communication impedes my ability to resolve the issue and obtain the necessary information regarding my account. 

Furthermore, it appears that AidVantage is engaging in coercive practices by ignoring legitimate requests for assistance. Such conduct raises serious concerns about their commitment to ethical and transparent lending practices. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly to ensure that AidVantage rectifies their practices and adheres to all relevant laws and regulations. Additionally, I urge the Bureau to implement measures that hold AidVantage accountable for their actions and protect the rights of students and borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: HOVG, LLC
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: Old information reappears or never goes away

Complaint:
It was taken of my credit report 2 different times and it shows up with different companies now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX, XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX  XXXX XXXXF XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX 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 an 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 and 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 who knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-02
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted Truist Bank to inquire the information needed to wire funds to make a principle payment on our mortgage. I called the customer service number provided by Truist. I was told there was a maximum daily amount that Truist would accept for principle payments. That seems to be equivalent to a prepayment penalty in terms of wire transfer fees and additional interest accrued by not being to remit the amount I wanted to. The customer service representative assured me that was Truist 's policy and could not be waived. She was also not familiar at all with the information I needed and had to call me back to provide additional instructions. My bank had additional questions regarding those instructions that I was unable to get from Truist when I called again to get it, and speaking to a second customer service representative. The policy of essentially limiting prepayment contravenes our mortgage that clearly has no penalty for prepayment and feels very predatory on the part of Truist Bank. I question the quality of supervision and training that Truist is providing to their front line customer service personnel.

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX  Account # XXXX 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

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 2022-04-15
Company: EQUIFAX, 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:
Hi I am submitting this XXXX T 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 XXXX 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 2023-02-01
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialty Loan Servicing is my mortgage servicing company. They insist that my escrow account is negative over XXXX XXXX dollars from XXXX month to the other. Spent many hours with them over the phone trying to resolve this issue. Just received a notice of default/intent to foreclose letter in the mail, but I dont understand why I always make my payment on or before due date. I have prove of all my payments. Property taxes are being paid, home insurance is being paid. The most I could get out of them is an employee saying they paid an extra payment for 2013 property taxes but I have 20 year tax bill history saying all taxes have been paid before, and on time. I sent them a notice of error/ request for information letter. Waiting on response but am afraid of getting foreclosed on like the letter they sent me said.

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 2020-01-11
Company: Experian Information Solutions Inc.
State: VA
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 moved from California to Virginia in XXXX, my ex and I placed all of the shared California accounts in his name, including the XXXX account that led to this dispute. At some point between XXXX and XXXX, he let the account fall into collections. 

I knew nothing about that until XXXX when it popped a notification on my credit monitoring service and subsequently on my credit report. I received no emails, no mailings, and no phone calls about it ( from my ex, from XXXX, or the collection agency XXXX XXXX ) until it appeared on my credit report. At less than {$400.00}, I would have paid to resolve the issue before it went to collections had I known about it. 

My ex has since paid the collection. Ive tried to work with both XXXX over the phone and in-store, and Ive tried to work with XXXX XXXX to have the collection entirely removed from my credit since I am in no way responsible for this issue and had no opportunity to intervene in the situation before it went to collections ; both companies point me to the other to have it resolved, but neither will actually do anything about it. 

I have disputed this successfully with XXXX and XXXX ; as a result, my credit is accurately reflected at just over 800 with both agencies. I have disputed this with Experian without success ; the issue is dragging my score below 700 with them and as Im trying to buy a home, this is a problem. 

This is negatively impacting my financial position even though it is in no way an accurate reflection of who I am as a borrower which is the entire purpose of credit scores and reports. So this is my last hope - Im respectfully asking for this to be either removed from my credit or at the very least, have the negative impact to my credit score nullified so that I can proceed with my mortgage. 

Thank you in advance for your consideration and for helping me save several hundreds XXXX thousands? ) of dollars over the lifetime of my upcoming mortgage.

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 2023-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I called Bank of America and requested that an account that I NEVER APPLIED FOR OR RECEIVED! Spoke with Customer Service for over 15 minutes ( a picture of my phone conversation shows this ). I was told that the account would be closed in 24 hours. Then on XX/XX/XXXX, I received an email stating that the account would remain open until XX/XX/XXXX!! BANK OF AMERICA IS HOLDING ME HOSTAGE FOR AN ACCOUNT THAT'S NOT MINE FOR 2 1/2 MORE MONTHS!! 

I want this account CLOSED ASAP, I know that my request to close an account doesn't take XXXX XXXX months. ( attached is a copy of the email ). 

Also, Bank of America, stated in Case # XXXX ; that they were mailing their respond to me, FOR WHICH I NEVER RECEIVED! Why didn't BOA, send their response thru CFPB?? CFPB then closed my case which was VERY UNFAIR!! BOA THINKS THEY CAN DO WHATEVER THEY WANT AND CFPB ALLOWED THEM. 

I WANT THIS ACCOUNT CLOSED ASAP!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
My name is XXXX XXXX.On XX/XX/21, I Applied for a bank promotion from BMO Harris bank that I saw on the internet.It promised {$500.00}. for enrolling and completing direct deposits of {$7500.00}. within a ninety day period.It seemed like a great opportunity so I applied and was accepted. I was given a promotion code and proceeded to change my direct deposit information with my employer.After my first direct deposit went through I was informed by BMO bank that I didnt qualify for the promotion due to the state I resided in ( Michigan ). Indeed, when I went back over the fine print in the offer the state exclusion was mentioned.However, I feel that when I filled out the application, including my correct address, I should have been rejected immediately rather than be told I was accepted and awarded a promotion code ( see attachments ). 

Defrauded is too strong a word but I certainly felt misled and I feel that I cant be the only consumer who has experienced this.It is a simple solution to change the application process to prevent this from happening.I am a XXXX XXXX XXXX woman supporting my XXXX XXXX XXXX husband and my XXXX XXXX XXXX husband and needless to say every penny counts.I look for any way I can to supplement my income. 

I would ask that I be awarded the {$500.00}. promotion due to my completing the direct deposit requirements, acted in good faith and was unnecessarily confused by the banks application flaws and BMOs misleading response of awarding a promotion code. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more th an 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-13
Company: Experian Information Solutions Inc.
State: MI
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 other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXXXXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$71.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; FXXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX Bankruptcy Date Filed/Reported:XXXX Reference # : XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/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 explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: GA
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 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXXXXXX Balance : {$9300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief