BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: FL
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-18
Company: Maximus Education, LLC dba Aidvantage
State: KS
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 was in a post XXXX  XXXX program and Aidvantage restarted their repayment programs secondary to the end of the XXXX  emergency. For some reason they decided that I needed to repay although I was still in school through XX/XX/XXXX. I called and told them this and they said not all my loans were in deferment ( which is not true ) and it was my schools fault ( also not true ). I called and made a formal complaint via email. I received a less than helpful response today stating that customer service was looking into this matter. Not only was I in school in XXXX, I am now in a XXXX XXXX  with XXXX XXXX and again, should not have to pay anything on my loans. I received a second email today stating that I was late on my loan payment. This is absolutely absurd. I called customer service this evening and sat on hold for over an hour until their offices closed. No one ever answered the phone. The malpractice and misleading practices are absolutely not okay. Even if I was not back in school I have a 6 month grace period where I do not have to pay. This is now showing as delinquent on my account and they do report to credit beaus. The lack of response needs to be dealt with and this servicer needs to be told that they can not service student loans in this matter. I need this fixed and I am sure I am not alone with this difficulty.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Experian Information Solutions Inc.
State: WI
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:
around XX/XX/2021 I file a dispute with experian to dispute XXXX XXXX XXXX due to reporting inaccurately on my credit report XXXX XXXX is reporting undera bank ruptcy that I have also disputed and Experian is saying they validated all the information that I disputed through a third party agency I explained to experian that I do not have a bankruptcy I was told that I needed to submit proof that I did not have a bankruptcy I contacted the court house attached to the bankruptcy and also attached to XXXX XXXX XXXX and was told that they do not release information to the public I contacted experian again and explained that the courthouse does not release information to the public experian told me that they have already validated the information through a third party

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 2023-06-01
Company: OneMain Finance Corporation
State: MD
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:
Please Delete these hard inquiries on my credit report I did not try to open these accounts and it is negatively affecting my credit score thank you for your time and consideration. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Onemain Financial XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: FL
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 XXXX 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 explanation
Consumer complaint received 2021-03-30
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I fear I am the victim of discrimination by the American Express corporation. I received a promotional offer on my account to upgrade from their Hilton Surpass to their Hilton XXXX card, yet when I accepted their offer they informed me that the offer was not valid. Their response is very obtuse, puzzlingly alluding to some vague, unspecified issue that they claim may or may not have impacted my account. Amex asked me to be patient while they researched this issue, as you'll see in their correspondence to me from XX/XX/2021 ( copy attached ), but over six more weeks have passed and I still do not have resolution to my concerns. Further, overwhelming evidence is amassing on various consumer websites suggesting, strongly, that other Amex customers encountered the same issue yet were upgraded, given preferential treatment for not complaining to the XXXX  or CFPB. I have a perfect payment record with Amex and am sickened and repulsed by their callous, dismissive treatment. I ask that you launch an aggressive investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns 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 2019-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED AN INACCURATE ACCOUNT AND INQUIRIES ON MY FILE. THE DISPUTED ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME, THOSE ITEMS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THESE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2019-06-25
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I received an automobile loan through Santander Bank on of about XX/XX/17. They are charging me 19 % interest. I advised them that my hours had been greatly reduced and would like to refinance the loan. They refused. I further researched the maximum interest rate for New Jersey and it is 16 %. I would like my automobile loan refinanced to 16 % and the difference applied to my principal. My payments are becoming further and further behind due to my reduced income. I can not afford to purchase another vehicle at this juncture and need my vehicle to get back and forth to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: First Advantage LNS Inc.
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
National credit audit corporation XXXX XXXX Tx XXXX Has placed a collection on my credit report for the sum of {$2900.00} this debt is not mine and this is an error placed on My credit report I have disputed this account with all three major credit bureaus XXXX and XXXX have removed it but it remain on my XXXX credit report. I have also reached out to national credit audit corporation with two letters explaining this that is not mine they continue to send me letters with a computer signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: TRANSWORLD SYSTEMS INC
State: MO
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:
Transworld Systems is listing a tradelines on my credit reports that must be deleted immediately from my XXXX, XXXX, and XXXX in the amount of {$2200.00}. report.. This trade line states the account was opened XXXX, XXXX and was added to my credit report this pass XXXX XXXX, which is against the rules of XXXX, XXXX, and XXXX and the credit reporting agencies reporting it. 

1.This debt should be verified, and the date will state the debt is not older then 1-year therefore ineligible to even appear on my credit report.In addition, I requested the company validate the debt which they did not provide me with any documentation to prove the debt is mine. I never received one piece of documentation from the collection agency even notifying me of the debt. The only notification I received was the placement on my credit report. Again this is a violation of the FCRA credit reporting act. 


I am requesting immediate deletion of the tradeline for all three of my credit reports that must be deleted immediately from my XXXX, XXXX, and XXXX in the amount of {$2200.00}. 


Account that is listed on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2023 Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Balance {$2200.00} Date Updated XX/XX/2023 Last Payment Made XX/XX/2023 High Balance {$2600.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} Pay Status >Collection< Date Closed XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My XXXX XXXX and I noticed that our identities are mixed up in all three credit bureaus ( Transunion, XXXX and XXXX ). We've been Trying to clarify this mix up for past Two years now and have gotten no where. I am hoping the CFPB can help us resolve this issue. I am in the process to purchase a home but because of this identity mix it seem impossible! Thank in advance! 

My Identity is : Name : XXXX XXXX XXXX : XX/XX/1995 SSN : XXXX My XXXX XXXX Identity is : Name : XXXX XXXX XXXX XXXX XX/XX/1995 SSN : 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 2023-08-17
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-06-01
Company: I.C. System, Inc.
State: DE
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:
On XX/XX/23 I filed a CFPB complaint ( Complaint ID XXXX ) for a fraudulent collection account that was placed on my consumer reports. On XX/XX/23 the company, IC Systems responded and stated that they were sending the account back to the company and removing it from my reports. The account was removed and has subsequently been re-reported as of XX/XX/23. Furthermore, IC Systems has inflated the balance due on the account, the alleged debt is {$5.00}, IC Systems has added a {$530.00} fee to this debt in order for it to report and intentionally damage my credit as debt under {$100.00} do not affect your XXXX score. It was initially reported as {$520.00} so they have increased it even further. IC systems should be held liable for willful negligence in re-reporting a fraudulent account that they were given a police report for, for harassment and abusive collection practices. I am requesting statutory damages in the amount of {XXXX ( 15 U.S. Code 1692k ) and a deletion from all consumer reports the account was reported to. If this is not remedied ( deletion and financial damages ) within 15 days of this complaint, I will be filing suit in Delaware 's XXXX XXXX. 


Please see the attached letter and pictures of IC Systems confirmation of deletion as well as the pictures of the account re-reporting.

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 2019-06-25
Company: Diversified Consultants, 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:
I sent my documents in to XXXX and XXXX  they keep telling me that information is verified but they have not provided proof by way of documentation that shows my actual debt COLLECTIONS Dci Opened XX/XX/2018 {$1100.00} Original creditor : XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$1100.00} Highest Balance {$1100.00} Opened XX/XX/2018 ( 1 yr ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX See an error? 
You could dispute an error with XXXX. 

GO TO XXXX Creditor Information DIVERSIFIED CONSULTANTS INC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
I have been trying to get this late off my credit report for months. I have sent in 4 disputes, and nothing is being done. I have sent in proof that I myself is the one submitting the request to have this removed. I have filled for a full file disclosure and never received it.

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 2020-06-10
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2020 our loan was sold to Specialized Loan Servicing ( SLS ). 
Per the terms of the note our interest rate was to be changed in XX/XX/2020. 
We have repeatedly called this company and nobody has a clue as to what to do as you can only speak to entry level data personnel. 

We need to get help as they are in breach of our contract. 
Thank you 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 2023-06-01
Company: GOLDMAN SACHS BANK USA
State: MA
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 balance transfer

Complaint:
I requested a balance transfer from my XXXX XXXX Credit card, for {$13000.00} on XX/XX/2023 to my Apple Goldman Sachs Mastercard. However, I made a mistake as there was no balance due on this card ( the balance due was on a different card ), with a result of a credit of {$13000.00}. I called Goldman Sachs to have this balance refunded or sent back to XXXX XXXX. They refused, they said the it was frozen by the fraud department. I called several times but they refused to allow me to submit any documentation to show the transfer was legitimate. They said their fraud department does not talk to consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: IN
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 XXXX  account # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, # XXXX XXXX XXXX XXXX, XXXX XXXX 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 : its also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation