BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Hello, My credit score has been XXXX for a long time. During this time, I have had only 2 open accounts, a credit age of 6 years, and a poor credit card use of 88 % ( a XXXX XXXX card ). I also had no hard inquiries, no derogatory reports, and my payment history is 100 %. I had a XXXX with all of this information. 

In early XXXX, I had to put {$200.00} on my XXXX XXXX card because my bank card expired and I needed to pay my dentist. I knew I would take a hit on my credit score and I saw that it went down from XXXX to XXXX on XX/XX/XXXX. On XXXX XXXX, it listed the reason for the hit as the credit card balance, but I expected this. So I made an extra {$300.00} payment on the card, expecting the score to go up a bit from XXXX in XXXX ( XXXX XXXX reports my score on the XXXX of each month ). On XX/XX/XXXX, I paid my car payment on time, as always, and that's the other account on my credit score. Nothing about my credit history has changed. 

Yesterday, I was shocked when I saw that on the very day, XX/XX/XXXX, my score went down another XXXX points from XXXX to XXXX. Again, nothing on my account has changed and I have already been punished for the XXXX XXXX issue ( XXXX to XXXX ). I had a XXXX with all my information just the way it is now. I have spoken to two representatives at Transunion over the last two days, and they won't or can't tell me what about my account changed to warrant them dropping my score an extra XXXX points. One told me maybe it's because I only have 2 open accounts, but this never stopped my score from being XXXX. 

I'm hoping you will help me find out who was responsible for the giant drop when the score already dropped XXXX points because of the credit card. The company representatives don't know so why did they do it? And what is to stop them from lowering my score XXXX points whenever they want to? 

Thank you, XXXX XX/XX/22

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 2023-03-07
Company: SANTANDER HOLDINGS USA, INC.
State: MS
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:
XXXX XXXX  was not authorized to pull score. They have an internal score. 
They was several car dealerships loan company that had access to my credit when I've authorized 1

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Everest Receivable Services Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On Monday, XX/XX/21 at XXXX XXXX I received a call from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX ( XXXX ) - a debt collector. XXXX XXXX called me on a landline number ( XXXX ) XXXX that I do not use for business purposes. I provided XXXX XXXX my cell phone number and explained to him that I was working from home and on a conference call. XXXX XXXX responded that he didn't care and wanted to talk to me about a debt I owed to XXXX Credit Card Services. He explained that XXXX had closed my account and sold it off to his company. We agreed to speak later in the afternoon. I did explain to him that I was also on a work-related deadline. 

On Tuesday, XX/XX/21 at XXXX XXXX, XXXX XXXX called me on my landline phone. When I stated to him not to contact me on the landline number he replied " I don't care. I have you know. You owe this company money. You are a liar and a deadbeat ''. I stated to him his statement was disrespectful and harassing and asked him to stop. He refused and continued to call me a liar and a deadbeat. XXXX XXXX continued by stating " I am not worried about how you feel, I want the money you owe us, or I will ruin your credit score ''. At which time I expressed my concerns over his abusive, threatening, and harassing language and ended the conversation.

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 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2020-04-14
Company: LEXISNEXIS
State: PR
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:
On XX/XX/XXXX I sent two Certificate Letters to LexisNexis ( XXXX ) and ( XXXX ) in order to validate the accuracy of the accounts which reported by US Bankruptcy Court negative information : US BANKRUPTCY XXXX. # XXXX and Bk # XXXX Its been more than 30 days since received my certificate letter to complete the investigation, and as of today I havent received any answer from them. On XX/XX/XXXX I proceed to send other Certificated Letter : ( XXXX ) indicating that they had violated a Federal Law under the fair debt collection practice act, the fair credit reporting act and the corresponding local state law, by not replying in a timely manner to my initial letters. Once again, I never received a reply. I am filling this complaint because LEXISNEXIS has ignored my request to provide me the documents that their company have on file and was used to verify the accounts I disputed. In two different occasions they havent verified this accounts. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be verified. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below see attach below with copies of the letters sent by USPS. Please, resolve this matter as soon as possible and thanks for your time and consideration. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Maximus Education, LLC dba Aidvantage
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XX/XX/XXXX The University names and loan amounts do not correspond on my Aidvantage Federal Student Loan account. 
It shows my loan balance at over {$24000.00} in the amount of two separate loans that were consolidated back in XXXX. 
It says I attended a school called XXXX XXXX XXXX XXXX XXXXXXXX, Oregon. This is true. It was quite brief though and as I best recall, it was only one loan for less than {$4000.00}. 
This is all current information in my Aidvantage account as of today. XXXX My only guess is that they have it confused with my previous universities, XXXX XXXX XXXX XXXX XXXX loans of respectively, XXXX XXXX XXXX XXXX XXXX 
I attended the bulk of my schooling there between XXXXXXXX XXXX XXXX XXXX time was brief, and would have been during the mid XXXX. 
I emailed Aidvantage and shared this same information with them.

I asked to schedule a call as I do not believe the amounts to be accurate and found them to be inflated beyond what should be accurate, as well as not connected to the correct university.

Im happy to share any additional information you need & can be available for a call within 24 hours notice. 

Please advise on next steps and course of action. 

Much appreciation, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
1. Bofa told me that my savings account can avoid the maintenance fee if I maintain a balance of at least {$500.00}. 
2. I have a balance of at least {$500.00}, but Bank of America still charged me the {$8.00} maintenance fee on XX/XX/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 2021-02-04
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:
MY CREDIT FILE WAS COMPLEMIZED BY SOME ONE I DONT KNOW RESULTING IN SEVERAL DELIQUENT DEBTS REPORTED TO MY CREDIT REPORTS. I HAVE REPORT TO THE POLICE NOTHING WAS DONE, I AM REPORT HERE IN HOPE OF CLEANING THOSE ACCOUNTS FROM MY NAME CREDIT FILE.

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 2023-06-07
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an email on XX/XX/2023 from XXXX XXXX regarding a balance with LVNV Funding. The email says the original creditor was XXXX XXXX XXXX XXXX XXXX XXXX for {$870.00}. I have received two more emails regarding this debt. I do not remember this account. 
At the end of the email ( on page 3 ), it states, " The law limits how long you can be sued on debt. Because of the age of your debt, LVNV Funding LLC can not sue you for it, and LVNV Funding LLC can not report it to any credit reporting agency. This was originally an account with XXXX XXXX XXXX XXXX XXXX XXXX, account number ending in XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX is in violation of California 's Unfair Competition Law and False Advertising Law by putting my loans in costly forbearance and failing to let me know the benefits of an income driven repayment plan. I am one of the XXXX borrowers that must have their loans XXXX, removed, and deleted from all of my credit reports. XXXX, Experian, and XXXX is indirectly in VIOLATION of the California 's Unfair Competition Law and False Advertising Law because they are allowing XXXX to put report information that must be removed due to the settlement. 

I want Experian, XXXX, and XXXX to BLOCK all XXXX accounts IMMEDIATELY so it does not report on my credit report until the investigation is complete. Before the investigation, I want this account removed completely, if you cant delete before the investigation then delete it after 15 days from today or no more than 24 hours after the investigation is complete. 


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 2021-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
A fair resolution would be my refund processed immediately, 2 months of no payments from cap one for the stress, and time missed from work-3 days. Lowering my payments significantly would also be a good solution or change refinancing policy for me only.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to request the immediate deletion and removal of the following accounts and associated information from my consumer report. It has come to my attention that the reporting of these accounts and information is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). It is imperative that you take prompt action to remove these accounts and information, as their presence on my consumer report violates multiple laws. I insist on the immediate removal of these accounts and information.

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 2023-07-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed a file which does not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove this account which is found to be opened due to identity theft. The dispute item does not belong to me. Please remove this file. If you feel there is a possibility this account belongs to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights 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 XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE XXXX XXXXXXXX XXXX XXXX XXXX XXXX BALANCE XXXX XXXXXXXX XXXX XXXX XXXX BALANCE XXXX XXXX XXXX XXXX XXXXXXXX BALANCE 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 2023-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a {$1000.00} USD online purchase via XXXX with my Bank of America credit card. The entire transaction from the vendor website to the checkout screen and confirmation screen by XXXX and the vendor appeared to me as US Dollars. Bank of America then charged me a {$32.00} foreign transaction fee. 

There are two companies at fault : 1 ) XXXX for failing to be transparent in showing that this is not a USD Charge 2 ) Bank Of America for charging me a foreign transaction fee when I am paying XXXX in US Dollars.

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 2020-04-14
Company: Experian Information Solutions 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:
Refuse to follow Federal law : FCRA 605B ( 15 U.S.C. 1681c-2 ) The Fair Credit Reporting Act 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) -- July 30, 2004 30 ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block.

( c ) Authority to Decline or Rescind ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that -- ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 611 ( a ) ( 5 ) ( B ).

( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.

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 2022-05-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently have reviewed my credit reports and show an inaccurate account being reported to my credit file by XXXX, Experian, and XXXX XXXX. The 3 credit bureaus Experian XXXX and XXXX have failed to comply to a dispute and investigation in a timely manner. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that are posted on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Below is the information listed as it appears on my credit report. I have also attached my ID, my proof of address, my credit report and my last Dispute letter sent to XXXX XXXX. 

Account Name : XXXX Acct # 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