BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX  XXXX has reported a credit card on my report as a charge off. The first delinquency was in XXXX  and the account is now listed as a charge off. They recently on XX/XX/XXXX reported to Equifax a comment added Variable/Adjustable Rate . Equifax dropped my credit score by XXXX because of this comment. There is no variable or adjustable rate, this is a charge off. This account is not accruing interest, its not an active card that can accrue issue. Reporting this comment to an account that is no longer active is illegal and inaccurate. They have already added that it is a charge off which allows my credit score to drop. Adding this additional comment allowed my credit score to drop even more. This is account is charge off written off as a loss there should be no additional comments added except that it is still delinquent. XXXX XXXX  also stated to me during a recent phone that they have sold my account but they have not listed on my credit report who my account was sold to and they have not notified me that my account was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting 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:
I was recently subjected to adverse credit action by XXXX XXXX  ; and as a result, I requested my credit report from all three credit bureaus, including XXXX, XXXX, and TransUnion. XXXX and TransUnion were unable to provide me any credit report despite providing a credit score to the lender. I have mailed my request and attached copies of identity documents in support of my request, but I have not heard from the two bureaus after mailing. I was advised over the phone by XXXX and TransUnion that it would not be advisable for me to further access my credit file online, as there exist certain metrics ( XXXX block? ) that further prevent access to my credit report after any additional attempt.

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 2023-11-17
Company: Maximus Education, LLC dba Aidvantage
State: TN
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:
On XX/XX/2023, XXXX sent a payment for {$160.00} to Aidvantage. Aidvantage claims to not have it. I opened a research request with XXXX and received confirmation that the payment was sent. Aidvantage claims they do not have it. 

When I call support to follow up, the wait times are 1hr 30min + and I can not get a hold of anyone to refund my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

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. Account name : 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.

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 2023-04-28
Company: Real Time Group, Inc.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Hello, I had no choice but to close my sale and loan to avoid foreclosure. I am not going to give up on my complaint to Real Time Resolution. As you can see in my prior letter they would not work with me when there are so many mortgage companies that have to work with borrowers when they are unemployed and can not find employment and as of today I am still unemployed and living on the street out of boxes. Again I was willing to pay them the principal balance of {$140000.00} and they would not budge so I am requesting that they pay me back the interest and all fees that were included on the final payoff. If they would have sent me a letter that they are the new 2nd TD holder I would have paid them and they never sent me anything as well as monthly payment coupons. Please help me get my money so that I no longer have to live on the streets and die of starvation and possibly be harmed. I sent you another letter by mistake and didnt realize that this is where I was supposed to re send a new letter. My phone number is XXXX XXXX XXXX and my email is XXXX Thank you and I look forward to be hearing back from you , XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: AES/PHEAA
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:
XXXX XXXX is asserting my rights and disputing my debts under Code 15 US 1681c-2 1681b 1692-g and 168152 shall remove any information in my file regarding the credit Act.I am requesting this removed immediately, because the information is negative and outdated according to the fair act, and i am requesting a charge off from debt on my credit report.

Accounts Affected by the Crime

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Halsted Financial Services, LLC.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I do not know who this company is, I don't have an account with this company. I have NEVER made a charge on any account that I have for more than {$250.00}. See the copy of the email below : ______________________________________________ XXXX Unsubscribe XXXX ( XXXX minutes ago ) to me Budget friendly choices for you. 
View My Options Dear XXXX, XX/XX/23 Per our prior communication, your XXXX XXXX XXXX, XXXX. account is now being handled by our office. You do have payment options which can be viewed at XXXX 

We have limited time to work with you before returning your account to our client. 


We provide flexible payment plans to create the easiest possible path forward in paying your debt. 
Flexible Payment Plans -> Your account is in good hands with Halsted Financial Services . Our portal is safe, secure and easy to use anytime, anywhere. 
No Muss No Fuss -> We are your ally in resolving your debt. We may be able to help you resolve your debt for less than you owe. 
Offers and Potential Discounts -> Credit Reporting Notice It is the policy of XXXX XXXX XXXX , the current creditor, to delete the tradeline upon satisfaction of an account that they have reported. Please note, this applies only to the tradeline reported by XXXX XXXX XXXX and will not affect the tradeline of the original creditor or any other third party. 

Our Reference Number : XXXX Original Creditor Account Number : XXXX Current Creditor To Whom Debt Is Owed : XXXX XXXX XXXX Total Balance Due : {$820.00} Call us at ( XXXX ) XXXX or simply reply to this email so we can assist you. 

Hours of Operation ( XXXX ) : Mon-Fri ( XXXX ) & Sat ( XXXX ) Address : XXXX XXXX XXXX XXXX, IL XXXX This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 

To stop receiving emails please opt-out here info.halstedfinancial.com

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Knight & Hooper, PLLC
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen in XXXX, TN and was used to apply for credit cards, apartments, loans, and bank accounts in Texas. I received numerous of letters in XXXX stating that I was in debt with different companies. I contacted all three credit bureaus and put a freeze on my credit for about two years. I also filed three police reports regarding the identity theft, and reported my identity being stolen to the Federal Trade Commission. I submitted my police reports, along with other supporting documentation to prove my identity was stolen. This resulted in the debts being discharged except for one company, " XXXX XXXX ''. XXXX sunt me the leasing agreement that was filled out fraudulently using my name but there were no ligament signatures, my name was not spelled properly, and there was no documentation as in a copy of a driver 's license or anything. The entire packet had typed names. Steeplechase apartments asked me to fill out an identity theft packet which I did and mailed it to them. They then claimed they did not receive the packet. I later found out that they filed a lawsuit against me for almost XXXX dollars and was served a warrant to appear in court. I called them again stating that I sent them the identity theft packet and they once again claimed they never received it. I then offered to them to fill out another identity theft packet and they stated it did not matter because they were taking a judgment out against me. I explained to them that I never received another court date to even appear in court due to the courts in XXXX XXXX, telling me that my court date would have to be reset due to covid and that they were running off a backlog. I acquired about my court date three times with XXXX XXXX and each time they told me they were waiting for it to be reset and that they will mail me a letter regarding my next court date. I never received the letter. I am currently being garnished for a debt that is not mines and I have supporting documentation proving the debt is not mines. I was in contact with a detective from the sheriff 's department regarding the identity theft " XXXX XXXX XXXX ''. She told me that " XXXX '' went under a new company and that she was going to subpoena them to receive all documents regarding the matter. I haven't been able to get in contact with her but have left messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023 I entered a customer assistance program that would close my account and allow me to make payments of XXXX for 60 months. 

I accepted this agreement because my monthly income has been inconsistent and I wanted to keep my credit score as high as possible. 

From my understanding of the customer assistance program, I would pay the XXXX by the due date or within the 30 days of the due date as with the normal credit card payment to prevent any late payments being reported on my credit report. 

My first payment of XXXX was paid on XX/XX/XXXX and I was planning on paying the XXXX payment this week. 

Syncrhony bank just reported 30 days late again which is not even possible if my payment was due on XX/XX/XXXX. 

I am trying so hard to improve my credit score and was looking forward to the customer assistance program being a part of that. 

What is the point of a customer assistance program if they keep reporting my account as late? That seems very misleading and improper. That is of no assistance and I would not have entered the program had I known my payments would continue to show as 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 2023-04-28
Company: Block, Inc.
State: KY
Product: Credit card or prepaid 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:
On XX/XX/21 I made 2 online purchases and about 10 mins into it after sending the money I found out that it was a scam so I immediately cancelled the transaction and notified my method of payment and explained to them wat happened and they told me that I would have to wait until it completed so I did and then they tell me to dispute the amount so I did and then they wrote me back and told me that they didn't see no error and denied my case not just once but 4 times one for XXXX and the other one is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA XXXX and TransUnion are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX  XXXX Balance : {$3300.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$570.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$720.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If XXXX and TransUnion feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If XXXX and TransUnion 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.

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 2022-12-27
Company: Experian Information Solutions Inc.
State: WI
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, these accounts below have violated my rights. 

Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. Stated I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency furnish a account without 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 2023-03-15
Company: EQUIFAX, INC.
State: IL
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 a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Freeway Funding, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have oppen accounts that are not mine and there's dep that are not mine never had a XXXX XXXXXXXX card and XXXX XXXX I'm unknown about

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 2022-12-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i recieved a hard pulkl when the company said it would be a soft pull

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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/XXXX for my XXXX account. Id have an excellent repayment record. Ive had a spotless record of on-time payments. The account XXXX XXXX ( Date Opened : XX/XX/XXXX ; Balance : {$3300.00} ) must be reviewed by you. You are reporting me as late for XX/XX/XXXX. I made my payment on time for this month, see attached account statement from XXXX XXXX for XXXX as proof of my payment. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. In the month of XX/XX/XXXX the payment made on XX/XX/XXXX I thought would be applied to my XX/XX/XXXX payment due on XX/XX/XXXX I was advise this payment was not applied to my XXXX payment after further investigation and speaking to multiple representative, also the payment made for XX/XX/XXXX I thought would be applied to XXXX XXXX since payment was also made in advance. This issue only current happening because of the makeup of making payments early. Once issue was explain and advise to me to avoid any further late payments make sure that bill are paid on time on the exact date due to avoid confusion. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XX/XX/XXXX. Thank you for your consideration, and I hope youll approve my request. Please remove this late payment from credit report due to issue was not explain correctly by multiple agents I also should not be penalized due to payments were made in advice and was not aware not going towards correct bill date. 



Best, 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 2022-12-27
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In mid XXXX, I asked my loan servicing company, Loancare  to please help me as I could not make the complete mortgage payments due to XXXX and a reduction of income and pension. Since XXXX, the mortgage company has had us in a spiral process of requesting many pieces of documentation to support an application for modification of the loan. Upon not hearing about any final decision from the servicer Loancare for a modification request, whether they would or would not modify my loan, I hired XXXX XXXX XXXX XXXX ( an attorney ) in XX/XX/XXXX to assist me with a modification request and representation. It is now XX/XX/XXXX and Loancare  has still not returned a modification response. I have recovered my income from self-employment and my company from which I retired reinstated my pension award as of XX/XX/XXXX. I would like to make a payment agreement with my mortgager but they DO NOT respond to the attorney nor myself. All they continue to do is say that documentation provided in the past has expired and to resent documentation. The documentation has expired because they continue to let time elapse and do not respond to modification requests. Now our home has fallen into the foreclosure process. We really wish to not lose our home. We need Loancare to respond by making a payment agreement or modification agreement so that we can resume payments.

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