BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-09
Company: Nelnet, Inc.
State: TX
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:
Please see attached. 

I was reported as a missed payment when laws were in place for student loans to be on hold during the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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: EQUIFAX, INC.
State: MD
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 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$45000.00} XXXX XXXX XXXX XXXX XXXX {$7500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: Maximus Education, LLC dba Aidvantage
State: MA
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've been attempting to make payments towards my loans since XX/XX/XXXX on my loans and even scheduled the payment for after the pause ended for the pandemic and Aidvantage keeps reversing my payments. I've used debit cards with maxed out withdrawal limits and savings account wires and both are being reversed. My last payment is now considered late and I'm being charged for being late. 

I've attempted payment on these dates : XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, {$630.00} XX/XX/XXXX, {$630.00} XX/XX/XXXX XX/XX/XXXX, {$620.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2017-07-03
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I DO NOT HAVE/NEVER HAD A CONTRACT WITH XXXX XXXX. I AM NOT LIABLE FOR THE COLLECTION OF THIS DEBT {$380.00} FROM XXXX XXXX. <P/>I AM NOT RESPONSIBLE FOR THIS DEBT. <P/>*PLEASE CORRECT AND DELETE FROM CREDIT REPORT* AS SOON AS POSSIBLE!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Credit Service International Corp
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dates : XX/XX/2023 XX/XX/2023 Credit Service International had attempted to take money from me twice. We had agreed on {$100.00} + {$3.00} fee every week for payment of my medical debt on Wednesdays. On Wednesday XX/XX/2023 they had taken the XXXX and then had attempted to charge me another {$100.00} but was declined due to insufficient funds. On Monday XX/XX/2023 they had also attempted to take {$100.00} showing that they're attempting to take extra money from me and more then what the terms I had signed and agreed to. They had also threatened that if I had missed a single payment that there would be grounds for garnishment. They were overall unpleasent and them attempting to take this extra money is stressing me out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: CITIBANK, N.A.
State: CT
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:
To be clear I have no issues with my credit card companies services in any way shape or form. Sadly I can not simply go through the major credit bureaus to remove a hard inquiry any more I must come here. I have a Citi XXXX XXXX  XXXX  in which I am quite pleased with. Unfortunately, there is a double entry hard inquiry for my card on my credit reports with the major bureaus. It is for the same exact date and card. I just want one of the inquiries removed as it is a duplicate, and hard inquiries affect my credit score for 2 years. I wish I did not have to come here to do this as I stated I am quite satisfied with the services I receive.

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 2017-07-03
Company: EQUIFAX, INC.
State: CA
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:
Equifax credit reporting is reporting my account status as a charge off when these accounts have been settled after numerous attempts and disputes over 30 days they will not change the status.     Equifax Accounts.      XXXX    XXXX   XXXX   XXXX   XXXX   ( Settled ) not charge off  XXXX   XXXX   XXXX   XXXX   XXXX  :   XXXX   XXXX   ( Settled ) not charge off  XXXX   XXXX  :   XXXX   XXXX   ( Settled ) not charge off  XXXX   XXXX  :   XXXX   XXXX   ( Settled ) not charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: CBC Companies, 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:
This is my formal complaint to FACTUAL DATA about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, GA XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX, and my social security number 's last four digits are XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 non-monetary relief
Consumer complaint received 2017-07-03
Company: Source Receivables Management LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX was listed as a creditor on my credit report and XXXX sold the account to XXXX XXXX. I disputed XXXX XXXX and in less than 30 days this account was picked up by Source Receivables Management. <P/>XXXX contacted XXXX and XXXX on my behalf and removed the account from my report. <P/>I DO NOT believe that XXXX had adequate time to resell this account to Source Receivables who claim that they received this account from XXXX. <P/>I am requesting that the new creditor submit to me validation to prove that XXXX has sold the account and they have not received this account through XXXX XXXX or XXXX. <P/>I request names and address of all to whom they contacted as well as date and time. <P/>I will be following up on this correspondence directly. <P/>The certified RR letter with tracking number was sent on XX/XX/2017 XXXX

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 2023-08-08
Company: AppFolio, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
My landlord uses Appfolio to collect rental payments virtually. Understandably, fees are charged when a consumer pays with their credit card or debit card. However, Appfolio has decided to charge a {$2.00} fee per ACH payment. To my knowledge, processing these payments does not require that steep of a fee. This feels to me as a junk fee similar to the junk fees that are charged by mortgage lenders when people pay their mortgage payments. Renters are given the choice of landlords however they are not given a choice of who will collect their payments online.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
After having banked with US Bank for several years on  XX/XX/XXXX  I received a letter notfying me that US Bank was opting to close my account based on what they deemed to be " Suspected Irregular Activity ''.
Despite filing a rebutal my account was " Closed '' offically on  XX/XX/XXXX and a cashier 's check issued by US Bank in the amount of {$920.00}. On  XX/XX/XXXX  in an effort to open another checking account at a diferent institution I was informed that US Bank reported me to "   XXXX   and   XXXX   XXXX   XXXX   '' after re-opening my " closed '' account without notice in an effort to charge me for a questionable charge previously disputed in  XXXX  of  XXXX .
Upon receving this information I made contact with my previous branch vie US Mail with a signature gurateee card along with a detailed letter to US Bank outlining my fidnings and questions surrounding questionable branking practices and lack of supporting documentation supporting the re-opening of a closed account without my prior acknowledgment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: NEW YORK COMMUNITY BANCORP INC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a complaint with Flagstar Mortgage company and their staff. On Friday XX/XX/2023 I reached out to Flagstar Mortgage who currently services my home mortgage and asked if there was any short term assistance with getting my mortgage caught up as at the time it was only a few days late ( not more than 30 days ). One of the representatives from Flagstar I spoke with presented a few options and one of them was a forbearance due to a weather event in my area ( XXXX, TN ) which would allow me to catch up the payment and I said this would definitely help. I agreed to this but I should have known something was suspicious because the agent told me I would still receive phone calls from Flagstar about my mortgage payments being due. 
Fast forward to XX/XX/XXXX, XXXX received a letter from Flagstar stating I missed my mortgage payment for XXXX and I need to enroll in a program to stop potential foreclosure. I called them back immediately and after speaking to another agent I found out that the forbearance was applied from XXXX to XXXX already ( while I was still current on the loan ) and the offer from the previous agent was not a real option and I had to enter into a agreement to pay a lot more over three months to get the mortgage caught up. How could a company be so unprofessional- I wouldve been fine if I was told the truth back in XXXX, but because of this companys incompetence, I know will have a late payment posted on my credit report and Im in a bigger bind. I will pass the word to friends and family to stay far away from Flagstar

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 2023-02-16
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: Information belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-11
Company: Bridgecrest Acceptance Corporation
State: NY
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 to the fair credit reporting Acts, this creditor has violated my rights under USC1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604a section 2 and also stated that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
it is also

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXXXXXXXXXX XXXX XXXX  XXXX ( XXXX ) # XXXX, XXXX XXXX # XXXX, XXXX 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 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 2023-02-16
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: Account status incorrect

Complaint:
Ive sent letters out since XXXX until now, no changes have been made, i will provide documentation below indicting the letters that i have been sending with no reply back.

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 2023-03-10
Company: EQUIFAX, INC.
State: KY
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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: Closed with explanation
Consumer complaint received 2018-11-01
Company: Experian Information Solutions Inc.
State: GA
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 did - not Authorize / Authorizations the use of personal credit / view and/or open new accounts, IDENTITY THEFT VICTIM - XXXX DATA BREACH ... 

^^^^^^^^^^XXXX IInfomation^^^^^^^^^!!! 
Inquiry details XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 ^^^^^^^^^^^^^XXXX^^^^^^^^^^^^^^!!!! 
Inquiry details XXXX XXXX Inquiry from XX/XX/2018 Utilities & Fuel XXXX Mort Inquiry from XX/XX/2018 Misc. 
XXXX XXXX Inquiry from XX/XX/2018 Misc. 
XXXX Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX Inquiry from XX/XX/2018 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2018 Bank Credit Cards XXXXNeeds Attention Last reported : XX/XX/2018 {$650.00} 30-59 Days Late XXXX XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$380.00} Credit Cards XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$2900.00} 30-59 Days Late XXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$650.00} 30-59 Days Late XXXX XXXX XXXX XXXXXXXX XXXXNeeds Attention Last reported : XX/XX/2018 {$380.00} 90-119 Days Late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am in a tough situation where I am unable to locate my social security card. I have decided to put a freeze on my credit, after doing a full report i've realized there is a lot of unrecognized things on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-19
Company: TRANSWORLD SYSTEMS INC
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have multiple loans, both private and federal, and I have  XXXX  agreement with  XXXX   XXXX   XXXX  of  XXXX  dollars monthly, this is not the orignal loan provider they bought the debt, I have been paying for 2 + years on time and I just recently found out that I am only paying  XXXX  dollars monthly to my principle balance and the rest goes to intrest. This is robbery!! I am an   XXXX   and if I was current with all of my loans I would not be able to feed my family,! I need help. I was also scammed by a student forgiveness program called  XXXX   XXXX  for thousands of dollars and I am in the process of trying to get that back. The college I attended has been shut down and is no longer in business. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : XXXX XXXX XXXX, XXXX, XXXX XXXX This address is not my current address and its not a mailable address. 

My ONLY current address and mailable address is : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX SEE ATTACHMENT ENCLOSED IS MY LEASE AND IDENTIFICATION IF THIS IS NOT CORRECTED FURTHER ACTIONS WILL BE TAKEN PLACE

Company response to consumer: Closed with explanation