BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-05
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: Received bad information about your loan

Complaint:
I requested my loan history from 1998. They provided a generic response, that only pertained to loan history after my latest consolidation. They were unable to provide complete loan history since 1998. There should be no mystery in how many payments I have made. 
aidadvantage Studentloan.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-11-05
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX. I did not authorize these accounts. I am a victim of identity theft.

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 2023-11-05
Company: Meade & Associates, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Almost daily phone calls from the debt collectors even after I told them to quit contacting me. I asked them to provide me proof that the debt was mine and they couldnt. They still nonstop call me.

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 2023-11-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Dear XXXX XXXX XXXX WELLS FARGO, I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from WELLS FARGO. Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE ACERTAIN SUM OF MONEY PAID ON DEBT ) upon seven ( 7 ) days of this notice, as well as the associated chose in action insurance policy/ies. I am also requesting the governing XXXX instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. Sincerely, 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 2022-12-26
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:
15 USC 1681C ( a ) BANKRUPTCY INFOMRATION IS EXCLUDED FROM MY CREDIT FILES 15 USC 1681 C-2 PROHIBITS YOUR COMPANY TO BLOCK IDENIEIED FRAUD ACCOUNTS FROM MY CREDIT FILE PLEASE. 

Your company responded to a previous complaint that you are reinvestigating the accounts. 
you did not properly reinvestigate the account. There is no bankruptcy attached to me.

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 2023-11-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Dear XXXX XXXX XXXX WELLS FARGO, I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from WELLAS FARGO. Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE ACERTAIN SUM OF MONEY PAID ON DEBT ) upon seven ( 7 ) days of this notice, as well as the associated chose in action insurance policy/ies. I am also requesting the governing Trust instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. Sincerely, 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 2023-12-19
Company: Professional Finance Company, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company did not take the steps to contact me regarding the balance of this medical bill debt, which I believe was paid for around the year XXXX or XXXX and has not shown up on my credit since it was paid for. 

The 3rd part debt collector has went to court without serving me the legal information for me to also be present in the court of law. The medical bill was from a XXXX XXXX XXXX  XXXX and my bank account has been garnished 8 years later after the debt has been removed from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: EQUIFAX, INC.
State: MS
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:
Equifax Information Services, XXXX, XXXX refused to remove fraudulent accounts from my credit report. These fraudulent accounts 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 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
All three credit beurea transunion, XXXX, XXXX are not updating my credit profile they are making sure that incorrect inquiries, education loans, false information on my credit report its been years of this and they have yet to correct it and my credit score is not going up and i really am frustrated and treated unfairly please help me get this corrected My education loan is not negative I nolonger have to pay it back and they refuse to check my education loan status and correct the information i should have no inquiries on no credit report

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 2020-12-01
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
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: Account information incorrect

Complaint:
I XXXX XXXX continuously contact XXXX XXXX  multiple times about this fraudulent charge on my account for {$290.00} on XXXX XXXX. The representative claimed they forwarded it to the fraudulent specialist but I was never contacted. I XXXX XXXX again contacted XXXX XXXX  XXXX XXXX The supervisor stated to me that there where going to forward my complaint to the fraudulent team. No one ever gave me a call or send me mail to my home.I XXXX XXXX again contacted XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 
Finally on XX/XX/XXXX am email was sent to my email stating that XXXX XXXX  sent my concerns to the fraudulent team. I am still waiting!

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 2023-04-01
Company: Experian Information Solutions Inc.
State: NC
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Diversified Adjustment Service, Inc.
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I used to have XXXX. I canceled them once I switched over to XXXX. Everything went smoothly, or so I thought. Months later I got a notice from XXXX that I owed over {XXXX}, I called and spoke to XXXX, who then transferred me to XXXX or XXXX ( XXXX XXXX or XXXX ) about the situation. Turns out that when my XXXX  account was opened, they had a " special '' where you get XXXX free line when you open XXXX. So they opened the XXXX line on the account. This line was never used or activated with a phone because I had XXXX need for it ... and there is a record that that line was never used in over XXXX years that my account was open at XXXX. He let me know that this would be taken care of since I owed them no money, this was an error on their end for not closing down that line as well. 

Another couple of months later I got another letter from XXXX for the same thing, I called and spoke to another representative, a very nice lady, who went over the account and was able to verify that all the original information from my XXXX call was there written. She apologized for the inconvenience and said she would be contacting the original XXXX, XXXX or XXXX, to have this taken care of. I asked her to send me an email confirming this information but she said she couldn't, something about not being able to send external emails or such, but not to worry, it would be taken care of. 

Fast forward another month or so and I get a collection letter from Diversified a collections agency trying to collect over XXXX, a representative of theirs called me to collect the debt, I told her what was going on and that I was not paying anything because I owed no money, that they needed to contact XXXX to get the story straight. She was extremely rude and impolite, but said she'd be sending me a letter regarding the collection which I received a few weeks ago. 

I am at a loss at this point, I don't know what to do because I feel like I am being harassed for money I do not owe. I don't understand why it's so hard for people to do their job. This has brought so much stress in my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Radius Global Solutions LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX isn't the proper creditors as of XX/XX/2023, XXXX XXXX has sold the debt of {$1400.00} to radius global solutions LLC. XXXX XXXX XXXX XXXX NJ XXXX RADIUS REFERENCE # XXXX Account number : XXXX Debt validation letter

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 2023-12-19
Company: Experian Information Solutions Inc.
State: CT
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:
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, Experian, is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : DP OF EDUC : XXXX DP OF EDUC : XXXX DEPTEDXXXX : XXXX XXXX : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Earlier this year, I opened a 10 % Cashback credit card with Citizens Bank. I tried to set up autopay immediately, but because the current statement balance was XXXX, the system wouldn't allow me to do that. As a result, I forgot to set up autopay later on and was late by one day for the payment due. The payment due was on XX/XX/XXXX, which is a public holiday. I paid the full outstanding statement balance on XX/XX/XXXX by phone. Nevertheless, Citizens Bank charged me almost {$200.00} in interest for a payment missed by just a few hours! They agreed to cut the interest charge in half, but still charged me almost {$97.00} in interest for no apparent reason whatsoever. Now, they keep charging me interest, even though I set up Autopay and have been paying statement balances in time automatically ever since! I found another {$110.00} in interest charges on my statement earlier this month. Please help resolve this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Long story short, my mother had a capital one account when I was XXXX that had my name on it too. It was overdrafted by {$3000.00}. I was allowed to have a secured credit card and a different one by capital one but they closed them recently. The only thing that has changed was I made a dispute for XXXX XXXX that I have proof XXXXXXXX XXXX XXXX said they werent pursuing the dispute and released the funds to capital one. Shorty after Im giving credit they take it away and do my available credit goes down {$120.00} which hurt my credit. So I did make a payments to try to make both balances go down but some were returned but Ive made at least a XXXX dollars in other payments in the past few months. Just want my accounts back and I feel like they never increased limits like other customaries due to the XXXX from my mother being on my side and my mothers side of our accounts.

Company response to consumer: In progress
Consumer complaint received 2023-06-17
Company: LEXISNEXIS
State: FL
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:
Refusing to provide me with my consumer report request and continuously violating my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/XXXX, XXXX, I called Bank of America concerning lower my credit limit and I spoke with XXXX and she told me she saw where my limit was decreased. I explained to her about the complaint I had filed on XX/XX/2023 and was told she could not do anything. 

I received a letter from Bank of America on XX/XX/2023, indicating why they decreased my limit because of the report from the XXXX XXXX credit report. My credit score they have is incorrect. They have it as XXXX and it has been corrected to XXXX on XX/XX/2023.

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 2023-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
I was told that I did not have a live account, that the account they were calling me about was an account from 2018 and it was for {$4000.00}. I do not have a Kohl 's account credit card. And I certainly did not get approved for {$4000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: AmeriHome Mortgage Company, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I was approved for a grant from HAF to cover my mortgage payment. In that process my mortgage servicer was transferred. Instead of forwarding my XX/XX/2023 mortgage payment to the new company like they are suppose to by law, they returned to the state where the grant was from. I contacted the state and they are saying they did not receive any payment back from the service provider.

Company response to consumer: In progress
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: WI
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: Was not notified of investigation status or results

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, 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 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 knows or has reasonable cause to believe that the information is inaccurate. 

I've asked for the companies to investigate the information and have received no response.

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