BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-03
Company: Early Warning Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
As of late 2022 I have not been able to use the Zelle service with my mobile number of XXXX. I was never given a reason as to why I can not use the service with my mobile number. I have made several calls to Zelle and the only information I have been given was that my previous bank has made my number ineligible. My previous bank was XXXX XXXX  and I have also made several calls to them in which they refer me over to Zelle support. I do not know why my number has been blacklisted from the Zelle network. This has created a lot of financial issues for me as I am unable to receive rent payments timely. Attached you will find 1. The XXXX Zelle agreement. I have met all requirements to use the Zelle service and would like to continue using the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Co XXXXXXXX XXXX XXXX XXXXXXXX, 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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-04-03
Company: Experian Information Solutions 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:
CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 2023-11-22
Company: Maximus Education, LLC dba Aidvantage
State: MD
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:
For XXXX consecutive months, after student loans resumed, my auto pay for Aidvantage has been rejected. I have had auto pay set up for over a year in advance of repayments resuming, but last month the payment was not taken from my account and I was delinquent. I called the provider, made a manual payment, and was assured that auto pay would work this month. However, again the auto pay did not go through and again I am delinquent. I spoke with aidvantage and they told me I had only set up auto pay on XX/XX/XXXX- which is wrong. The previous customer service agent added notes to my account on XX/XX/XXXX stating the issue and noting that everything was set up for my XXXX payment. Speaking with them again this month ( XX/XX/XXXX ) they initially told me this was my fault and then said it was a system issue with no resolution. They would not provide this response in writing for my records. I also requested that the auto pay be adjusted so that it withdraws my money in advance of the due date so that I can monitor for issues and make a manual payment if there is an issue, but they do not allow this. I'm very concerned about late fees and impacts to my credit as a result of this, if it continues in future months and the only resolution they gave me was " it should be fixed by next month, so don't worry about it '' which is what they told me in XXXX and I'm still having the issue. They provided no assistance whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit report is showing discrepancies from what XXXX is providing me. These errors are misleading and affecting me. I depend on my credit and because of this false reporting I am getting denied by banks. This account needs to be deleted.

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 2023-04-03
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX has 3 hard inquires on my report.. it was fraud I already contacted XXXX  XXXX an they said they would take the 3 hard inquires off. Told me to contact the credit bureaus an let them know as well. But they agreed to take it off! due to fraud on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-22
Company: Experian Information Solutions 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 have sent several dispute to them to delete this inaccurate account from my credit report for violations 15 US 1681 ( a ) Also this account was charged off on XX/XX/23 still showing late payments since then also last payment is incorrect reporting. I want this account removed and no longer reported

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 2023-04-03
Company: Early Warning Services, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I tried to purchase shares of stock on XXXX using my bank checking account { XXXX XXXX XXXX XXXX .This transaction was denied based on information XXXX received or obtained in a report from Early Warning Services , Inc in, XXXX AZ.I have never heard of " Early Warning " consumer reporting agency, nor " XXXX XXXX ''. I'm not going to send any of my personal info/data to a company/report agency that I have never heard of or knew existed. I'm aware of the big XXXX credit report agencies, I have had no dealings nor knowledge about " Early WarningXXXX XXXX . Is this a REAL Company or Scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
AMERICAN COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX This is a Medical account. Which was not reported correctly to the credit bureau companies.It was charged off years ago. Which has Violated my FRCA and Possibly my HIPAA. PLEASE refer to all XXXX credit reports for all errors I have tried to dispute this with every Credit Bureau. However, AMERICAN COLLECTIONS keeps repeatedly providing incorrect information. I have also tried to reach out to AMERICAN COLLECTIONS only to be verbally abused.

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: NC
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:
I am a Victim of Identity theft. I have filed several FTC reports and sent them in, and nothing has been done. these are the related accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent in request multiple to times to have the fraud alert removed ; I continue to receive responses that the fraud alert is removed but it's not. I would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Resurgent Capital Services L.P.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
PAID IN FULL -- -- in response to letter sent XX/XX/XXXX XXXX LVNV FUNDING LLC/Resurgent capital services XXXX XXXX is REPORTING INNACURATE and fraudulent information and not validated INORMATION and continues to since Before XX/XX/XXXX, to Present, the balance is incorrect on A LVNV FUNDING LLC/Resurgent capital services XXXX collections account # XXXX ( closed / XXXX Or XXXX closed and paid even with the ACCOUNTS and TRADELINES ARE CLOSED AND OR PAID IN FULL. XXXX is reporting Inaccurate and fraudulent information as these accounts has been and is closed since XXXX and is PAID IN FULL. balances and all information are inaccurate as they are not factual Reporting LVNV FUNDING LLC/Resurgent capital services XXXX and all companies are negligent compliance by reporting this information as accurate when in fact, they are not XXXX XXXX has reported over several times as accurate when clearly, they are not. LVNV FUNDING LLC/Resurgent capital services and XXXX are violating My consumer rights and FCRA laws . LVNV FUNDING LLC/Resurgent capital services is I believe retaliating with unethical practices by providing intentionally inaccurate information as Resurgent capital services LVNV violated federal and state laws by garnishing funds that were exempt and continues to report inaccurate data to XXXX. This is one of several accounts of false information and reporting inaccurate information and Credit data. FUNDS were RECEIVED XX/XX/XXXX Filings Title : LVNV FUNDING VS XXXX XXXX Case : XXXX XXXX XXXX XXXX XXXX Any LVNV FUNDING LLC accounts and data must be DELETED from XXXX and XXXX due to violations of the FCRA and LVNV Funding LLC Be fined {$1000.00} to {$10000.00} per FCRA Violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Credit Service International Corp
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This collection agency has bought the debt from a medical service. Credit Service International has it listed as " XXXX XXXX '' under loan type and not medical. 

The service was on XX/XX/2022 for medical contract # XXXX there was 2 medical charges on that day. One from XXXX XXXX and One from XXXX XXXX. There was only one procedure performed that day and the insurance was charged twice for the same Diagnosis code, and same procedure. 

The Insurance did verify that I was charged twice for one procedure and I have attached documentation from XXXX XXXX XXXX XXXX of Michigan showing the charge with the contract number. The doctor that ordered the pathology was supposed to remove that from my billing. The records office will not return my calls and I was told it is in collections so there is nothing they can do about it now. I just need to pay it after I already paid the copay and insurance for the procedure. 

Credit Services has been notified of this error numerous times and refused to remove this collection that is under {$500.00} and a medical debt which should not be on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX. I have a mortgage through XXXX  XXXX XXXX. 
XXXX. I pay the monthly mortgage payments by automatic payments through Chase Bank ( through my checking account ) XXXX. I was informed by XXXX  XXXX XXXX in XXXX that my monthly mortgage payment amount had increased to XXXX something dollars. 
XXXX. In early XXXX I went to the Chase website 's automatic pay option and changed the monthly mortgage payment amount to what XXXX  XXXX XXXX had stated. This was submitted and accepted by Chase. 
XXXX. The new amount of XXXX something dollars was paid out to XXXX  XXXX XXXX by Chase. 
XXXX. However, Chase also paid out the old amount of XXXX something dollars to XXXX  XXXX XXXX on XX/XX/XXXX. 
XXXX. I contacted the customer service to help correct this situation. I spoke to a customer service representative and then to the claims department supervisor XXXX. 
XXXX. They stated that there was " NOTHING '' that Chase could do. 
XXXX. Chase also stated that it was MY RESPONSIBILITY to contact the " merchant '' aka XXXX  XXXX XXXX to get my XXXX something dollars back. 
XXXX. I find this totally unfair that I have to correct an obvious mistake which was made by the Chase Bank and NOT BY ME. 
XXXX. I informed XXXX that I will escalate this issue by writing to you. 
XXXX. The only corrective action that is acceptable to me at this time is that the CHASE bank get my hard earned money back and put it back into my checking account. 
XXXX. Again I WILL NOT and SHOULD NOT be penalized for an obvious screw up made by Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have a debt with XXXX XXXX. I had my credit ran to see my debt to attempt to clean it up. After seeing my debt I started cleaning it up. Suddenly I received a certified letter ( XX/XX/2023 ) from Cooling & Winter about a garnishment lawsuit that has been filed in behalf of XXXX XXXX. I made the call this morning ( XX/XX/2023 ) to explain Ive been trying to reach XXXX XXXX within the last 2 weeks to make some payment arrangements but, no return call as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions 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:
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 reportsno consent is fraud. XXXX XXXX Date Opened : XX/XX/1987 XXXX : {$5500.00}. Please delete.

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 2023-03-17
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 asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX XXXX XXXX Account number : XXXXXXXX XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) Account number : XXXXXXXX XXXX Account number : XXXXXXXX XXXX XXXXXXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXXXXXX Account number : XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 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 2023-04-04
Company: Experian Information Solutions Inc.
State: NY
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: Problem with personal statement of dispute

Complaint:
I placed an online credit dispute with Experian credit bureau on XX/XX/XXXX, to inquire about the following student loan accounts below ( listed by date opened and the original loan amount ). 

Date Opened Original Amount XX/XX/XXXX {$8500.00} XX/XX/XXXX {$8500.00} XX/XX/XXXX {$12000.00} XX/XX/XXXX {$4200.00} XX/XX/XXXX {$12000.00} XX/XX/XXXX {$8700.00} XX/XX/XXXX {$6600.00} XX/XX/XXXX {$16000.00} XX/XX/XXXX {$110000.00} XX/XX/XXXX {$6100.00} XX/XX/XXXX {$11000.00} XX/XX/XXXX {$12000.00} XX/XX/XXXX {$15000.00} XX/XX/XXXX {$31000.00} On XX/XX/XXXX, Experian responded via the Experian website and stated the information was accurate. However, XXXX and XXXX have different, more positive information which is reflected in score differentials over the past 6 months. 

On XX/XX/XXXX, I sent Experian XXXX XXXX a letter ( Certified Mail Receipt Tracking # XXXX XXXX XXXX XXXX XXXX ) inquiring as to why their credit bureau is the only one negatively reporting my paid/ closed student loan accounts. As a first-time home buyer, this is negatively affecting my personal credit and ability to be taken seriously when inquiring about home ownership. 

I told Experian credit bureau to investigate every piece of information on the paid/ closed student loan accounts I have listed below. 

According to FCRA, The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 15 U.S. Code 1681 Today ( XX/XX/XXXX ) I received an Experian credit report via US mail. just All accounts state paid/ closed on the account. Experian stated my account was verified. I am questioning the validity of the agencys proper investigations according to the law. 

Also, this information on these accounts is still negatively reported only by Experian. And according to FRCA15 USC 1681, all information reported should be investigated to the fullest meaning of the definition to ensure all credit bureaus are reporting the same fair information to assist first-time home buyers.

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