BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-17
Company: Midwest Recovery Systems
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Tonight ( XXXX XX/XX/XXXX19 ), I received a credit monitoring alert that a new derogatory account was listed on my credit report. I immediately noticed it as a debt that was already paid. I never received any call or letter informing me of the debt - it just magically appeared on my credit report. I called the collection agency to find out what was going on. The balance was {$50.00} even. I told the collector that I had never received any phone call or documentation via mail about the debt, and requested that to be sent to my address because the debt was not mine. She informed me that she would not provide that to me and that I was responsible for the outstanding balance after insurance and to pay it now. I told her that this wasn't my debt but to avoid the headache, if she would send me a letter in writing stating that if I paid the balance this negative information would be removed from my credit report, I'd pay immediately. I don't pay anyone without knowing exactly what I owe and for what, and she was very defensive when I requested validation. Instead, she emailed me a notice to collect without any requested financial information. I have already paid the collection to the original creditor, so I am hesitant to pay anything else without proof that I owe this money. I called back to request that I not be contacted by phone and spoke to another collector. She attempted to collect the debt once more, and I explained the event that occurred previously. She told me that I was lying about what I was saying, and both of the collectors used baby talk to try to get me to understand what they were saying. I was well aware of my rights and knew that my request for debt validation was sound.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2019-02-12
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My Equifax credit report falsely claims I owe money. Approx. last Thursday Equifax required that I dispute the claim using their online form. The form does not provide the means to submit any documents so I said in my statement that I paid the charge in dispute and that I can provide documents proving payment. ( Documents are bank statement and bank letter confirming the payment. The original creditor was XXXX XXXX, not XXXX who recently purchased XXXX XXXX. ) Today, Tuesday, ( ie. the @ 3rd business day after the dispute was filed ) I received notice that the result of investigation is available. Clearly neither Equifax nor the collection agency did reasonable investigation which should have included viewing my documents. By implementing a system where no document can be submitted Equifax assured a negative result. ( The Equifax incident number is XXXX ) No one has requested to view the documents. When I followed their online instructions to get results it didn't allow me to see the results. I used their chat service, which referred me to an automated phoneline. It took a long time to reach a human. She had such a thick accent that I couldn't understand her. After providing reasonable identification the rep still refused to tell me the results but confirmed to me that their system doesn't allow the consumer to submit documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
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: Trouble with how payments are being handled

Complaint:
In XXXX I was notified that the student loan freeze was ending and to go to Aidvantage ( the new carrier of my loans ). I went to their website, logged in and saw my loans. At the top of my account summary, there was an alert stating to renew my Income Driven Repayment Plan ( IDR ), although my current plan was not expiring until XX/XX/XXXX ( approx {$350.00} payment ). I submitted the application and was given a new payment amount of {$790.00} per month and that my old payment plan was no longer in effect. Instead of the new payment plan beginning in XX/XX/XXXX after the current plan expired, they just replaced the plan. Additionally at the beginning of XX/XX/XXXX, I logged into this account and checked my AutoPay status. There was no Autopay listed and no bank account listed. On XX/XX/XXXX, My bank account was debited {$790.00}. I called asking why they debited the money, and they explained that the autopay carried over from the previous carrier. I never received an email or phone call notifying me of this renewed auto pay and I never received an email or phone call stating that {$790.00} would be taking from my account on XX/XX/XXXX. This caused me to go into overdraft and upon asking Aidvantage to return the payment, they said it will take upto 60 days.

Company response to consumer: In progress
Consumer complaint received 2023-12-20
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
In XX/XX/XXXX, Navy Federal Credit Union, created a savings account for another member whom I had brought into the bank as a minor in XXXX, attached this new account to my savings account and withdrew over {$2400.00} from my account to cover money owed by the member that I brought in XXXX. When I brought the member in back in XXXX, she was a minor who is now an adult. She of course since then has opened up several accounts with NFCU on her own ( that I AM NOT JOINT OWNER ). Apparently in XX/XX/XXXX, this member put in a fraud claim on her checking account THAT I WAS NOT JOINT OWNER. XXXX of XXXX, NFCU apparently denied the fraud claim and since the checking account was closed at the time due fraud, NFCU created a savings account which generated a negative balance for the member, NFCU attached the savings account to my checking account and withdrew the money from my account. They DO NOT CARE what kind of hardship this has caused on me, they did not care what automatic deductions I had coming out of my account. Numerous reps told me that the individual owes more money and that NFCU will continue to take my money that comes into the bank INCLUDING MY VA XXXX BENEFITS!!! THIS CAN NOT BE LEGAL. I have asked numerous times, how much does the other member owe, maybe I can work out a payment plan to pay the money back but I can't afford for them to take over {$2400.00} from my account but I am constantly being told that THEY CAN NOT DISCUSS ANOTHER MEMBER ACCOUNT WITH ME!!! Again, this CAN NOT BE LEGAL!!! How can you take my money and threaten to take more including VA XXXX payments and NOT TELL ME WHY, HOW MUCH or anything of that nature???

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-12-04
Company: Maximus Education, LLC dba Aidvantage
State: IL
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 was never notified XXXX sold 2 loans and the company Aidvantage never notified me either.

Company response to consumer: In progress
Consumer complaint received 2023-12-11
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
I was illegally foreclosured on in XXXX of 2019 by Wells Fargo. Accout # XXXX I have not receive information about the remediation I hired a lawyer, we failed in stopping the foreclosure. Took them back to court to overturn the decision. Failed ended up settling with the bank, lost over $ XXXX in equity. 

Did not receive my full payment for last portion of settlement. Disputed this and in court they only agreed to give me half if the amount

Company response to consumer: In progress
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
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 on n 2018 I was a victim of identity theft, which accounts were made with housing that was not me I discovered fraudulent accounts had been opened with XXXX XXXX also represented by XXXXXXXX XXXX XXXX XXXX XXXX and Fair Collection & Organizations . Also XXXX XXXX is reporting fraud account to credit reporting agencies. I immediately filled a police report with XXXXXXXX XXXX XXXXXXXX XXXX police department because of fraud. These accounts were soon removed because they were fraudulent. Now these accounts are back and reporting a negative on my credit report preventing me from getting a home.

Company response to consumer: In progress
Consumer complaint received 2018-12-13
Company: Freedom Mortgage Company
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've requested multiple times to remove my PMI with Freedom Mortgage. I'm well under the 78 % Loan to Value requirement and it's been two years. I bought my home in XX/XX/2016 and it was in slight disrepair for {$220000.00} and have since made improvements. Even the appraisal at the time was {$240000.00}. I've since added a home equity through another company. The company did a full appraisal. Since then, I've sent this appraisal to Freedom Mortgage and they refuse to remove my PMI unless I buy and appraisal from them for another $ 400+. This is completely unreasonable. There is plenty of ebeidnce available in the market to show that my value is at least the {$260000.00} needed to remove PMI. Full appraisal from new company came in at {$280000.00}. This kind of practice needs to stop for good borrowers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payment on this account because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because this is obviously billing error, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due. The disputed account is listed below. 
XXXX XXXX Account # : XXXX Balance : {$10000.00} XX/XX/20XXXX 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 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Please investigate and delete the following false disputed accounts from my credit report : 1. XXXX XXXX XXXX account XXXX* 2. XXXXXXXX XXXX XXXX account XXXX 3. XXXX XXXX XXXX account XXXX* 4. XXXX XXXX XXXXXXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete 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 explanation
Consumer complaint received 2022-01-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXX, 2021, which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have checked my credit reports and found items that do not belong to me, so I contacted the credit bureaus. I sent them my dispute letter along with the ID theft report and it has been more than 30 days since then. But I never receive any response as of this writing. I am asking fopr y our help coz those items are ruining my creditbility. Please remove them from my file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: EQUIFAX, INC.
State: UT
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:
EQUIFAX Reports : XXXX XXXX - Date Last Active XX/XX/XXXX, which makes it past the Statute of Limitations. 

*This account was purchased from another company. The opened date is Inaccurate and is reported wong as XX/XX/XXXX, when the last active date was XX/XX/XXXX and way past the Statute of Limitations. The creditor XXXX XXXX is practicing unlawful collection practices and trying to re-age the alleged debt. 

*I Disputed this account in XX/XX/XXXX and they re-aged the account that is Past the Statute of Limitations and made XX/XX/XXXX as the Reported Date to make it appear as a new item. 

All of these Violations are against the Fair Credit Reporting Act. 

I have been turned down for a Mortgage because of Equifax and their unlawful Reporting Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to Equifax XXXX & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2018, a total of four fraudulent XXXX Transfers were made from my Bank Account. The bank was notified and failed to act. At the time there were three transfers in the amounts of {$180.00}, {$200.00}, and {$490.00}. Following the call to the Fraud Department of my Bank, a fourth charge came through for another {$200.00}. Total fraudulent XXXX Transfers were {$1000.00}.

My wife and I have never used any money transfer service, so would have had no reason to accept or set up electronic fund transfer with our Bank. That said, there was a change to our account on XX/XX/XXXX18, the same day the charges occurred. These charges are related to XXXX Transaction XXXX and the receiving party email is " XXXX ''. This looks shady to me. 

I have filed a report with the XXXX Police Department. Case # XXXX. 
You may reach XXXX @ XXXX. In addition to XXXX, Complints are being filed with My bank and XXXX  XXXX, where the receiving account is held.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: SC
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:
XX/XX/XXXX - In reference to my compliant ID number XXXX. XXXX XXXX responded with to my compliant with the documents that I requested. I requested a payment history dating back to XX/XX/XXXX to XX/XX/XXXX. I am disputing two factors that are reporting inaccurately. Lets start with the Cares Act which is in effect for consumers.The CARES Act and Payments to Creditors and Lenders. Under the CARES Act, creditors must make accommodations for people having trouble making payments. This does not mean that you can stop making payments. It means that they must offer you some other type of payment arrangement. You must contact your creditor or lender to make any special arrangements. The arrangements they make with you will vary. In XXXX of XXXX I was offered a Extension Agreement by XXXX XXXX. The extension was for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have attached the document for Extension Aggreement and highlighted and circled the date to coinside with the Payment History documents that I requested. The CARES ACT LAW clearly states.CARES Act and Credit Reports : If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after XX/XX/XXXX or 120 days after the COVID-19 national emergency ends. As you can see this act applies to me according to the law. I was current before the law was established therefore The law requires creditors toreport any account that has a payment accommodation applied to it as current to the credit compaies as long as the account was current when the accommodation was made. As you check the payment history you will notice that I was current with my payments before request help do to Covid 19. My second dispute is the inaccurate reporting of the late payments. As you check my credit reports you will noticed the reporting date do not match the XXXX payment history date and amount of days late. The Equifax report is saying 60 and 90 days late and the XXXX financial is reporting 30 and 60 days late. The Fair credit reporting act clearly states that a consumers credit report MUST be reported ACCURATELY. Documents attached as proof that XXXX is report false information to my credit reports sence XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The XXXX  Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX, XXXX, XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : 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