BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: Maximus Education, LLC dba Aidvantage
State: MN
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/23, I contacted AidVantage, my student loan servicer to understand how I can make a principal only payment on my student loan once my regular monthly payment had been made. I received a confirmation that the request for information was received but I never received a response. So on XX/XX/23, I spoke with XXXX XXXX, Employee ID XXXX who told me that any payments I make in addition to the regular monthly payment will automatically be applied to the principal balance and will not be applied towards the interest. I was very clear that I want all additional payments, above my monthly payment, to ONLY be applied to the principal balance of my student loan. I was assured several times that all additional payments would go towards the principal, not the interest. As a result of this conversation, on XX/XX/23, I submitted an additional payment for {$160.00}. XXXX and see that {$18.00} of that payment went towards interest and the remaining went towards the principal. On XX/XX/23, my automatic payment of {$320.00}, which is double my required monthly payment of {$160.00}, was posted to my account and shows that {$72.00} was applied to interest. 
It is unethical financial practices to not allow people to make principal balance payments against their debts. I have a legal right to payments against my student loan principal balance and AidVantage does not apply barrows to do this and in fact, was misleading about my ability to do this. I am requesting that AidVantage apply all payments previously made and made in the future, in excess of my monthly payment, be allocated it towards my principal balance only.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX  and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-03-21
Company: EQUIFAX, 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:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX 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 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 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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I certified mailed a copy of a police report, and FTC affidavidt along with a letter explaining accounts that are on my consumer report that are a result of identity theft. This letter also included verification of my identity. The law states that the credit bureaus have four business days the block these accounts from my report. The credit bureaus continue to break the law and violate my rights under FCRA by not blocking accounts that are a result of identity theft from my 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 non-monetary relief
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 was looking at my credit report and noticed hard inquiries that do not belong to me on there

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23
Company: AES/PHEAA
State: OR
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 have had ongoing issue related to communication and customer service with Fedloan Servicing. I am taking advantage of the Income-Driven Repayment Plan and Public Service Loan Forgiveness programs and Fedloan Servicing is making it nearly impossible to participate. I  have submitted the required paperwork for both programs as required and every time I need to re-certify or send in new documentation, there is a problem. For example, this year on XX/XX/19, I received an email stating that I would need to re-certify my Income-Driven Repayment plan. 
The email stated that " in about 2 months, look for another communication from us with easy instructions and a direct link to recertify online '' and " If we do not receive your completed application and all supporting documentation within 10 days of XX/XX/2019, your monthly payment will increase to {$930.00}, first due on XX/XX/2019 ''. I decided to re-certify early given my experiences with Fedloan Servicing in the past. As of today, XX/XX/19, I have not received the email described above.

On XX/XX/19, I submitted my Income-Driven Repayment Plan documentation including the application and my tax return. On XX/XX/19, I received an email stating that my application was incomplete and that I would have to wait for a letter in the mail to explain what exactly was missing from my application. I uploaded my tax documentation again and called Fedloan Servicing on XX/XX/19 after not receiving any letter in the mail. The representative I spoke with was able to see both my application and tax information had been uploaded but was unable to tell me why my application was considered incomplete. I was then transferred to another section and told I would be on hold for more than 20 minutes. There is absolutely no reason why it should be this difficult to get a simple answer about an application for re-certification. I am still waiting to receive a response by email, mail or phone regarding this issue.

I have also submitted the paperwork for Public Service Loan Forgiveness Program. My initial employment certification was approved but when I switched employers and sent in my new certification, I received a letter stating the the form I had used was out of date. On the form, was the date the form was valid until. I completed and submitted the form well before that date. I called Fedloan regarding this issue and was told they would fix the problem. Several months later, I called again and was told that they had not fixed the problem and that I would need to submit a new form. Every time I have an issue with this company, I am told it will be taken care of and then it isn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My checking account had {$130.00} in it and someone fraudulently withdrew it around XX/XX/2023. I called Navy Federal Credit Union and they had me file a declaration of Forgery/Fraud and that they would then conduct an investigation and would give me no time line as to how long it would take. I submitted it on XX/XX/2023. 
It has been well over 2 months and I have not been contacted. When I called them to ask what is going on with it XX/XX/2023 a representative insisted I give him my card number and when I told him I did not have a card he hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-12
Company: United PanAm Financial Corp.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On last month I made a payment of XXXX to United Auto Credit to renegotiate my contract and make my account active again, but they have failed to update the terms and credit information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Klarna AB
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've noticed that there was a debt with Klarna under my name and I've never had them nor heard of them. I am a true victim of Identity theft. I've filed police reports as well. By provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX  regulations, I demand that this above-mentioned account be permanently removed from my Early Warning System. Thank you in advance for your WILLFUL rectification of the notated MIS-INFORMATION above indicated. Be advised I am NOT seeking a generic statement saying that these items are verified. I am requesting undeniable, irrefutable PROOF that the alleged accounts are verified and validated and accurate. I've filed a full police report for identity theft. I am requesting for this to be permanently removed from under my name and my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm a victim of identity theft, all of my personal information was stolen and used in various states. I dispute a item that is not mines, each time it comes back as verified.

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In accordance with the Fair Credit reporting act. Convergent account # 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 an account without my written instruction. 
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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
This is my second request to dispute particular data in my credit file that do not belong to me, or that I have signed any agreement. The items I'm contesting have nothing to do with any transactions I've conducted or approved in order to obtain goods, services, or money. Please remove the items listed below. 
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 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 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 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 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 2023-07-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
53 Bank filed a late payment on my credit reports by mistake. In XX/XX/2023, My wife called to make a payment with the bank ( our truck loan ) as usual and was told she was good to go. In XXXX, 2023 we received a call about a late payment from the bank. We told them she made the payment and the bank reviewed the account and confirmed whoever took that payment input the wrong account information. We were told by a representative the payment was going to be pushed to the end of the loan and no other action needed to be taken and we were good. Early XXXX I started getting calls again about a late payment and I requested to speak to a XXXX for clarification. They submitted what they call a " call review '' which they pull the recorded conversation and confirm what the issue was. Today, XX/XX/2023, I was told by one of the representatives they will not fix the late payment on my credit but I can certainly apply for a hardship to get the payment pushed to the end of the loan but will affect my credit. I mentioned to the representative this was an error on their end and because the first representative didn't take the right steps to notify us about the issue initially they put the incorrect account info now we are stuck with a late payment on my credit. She mentioned the only thing I can do at this time is file at complaint with the FTC and hope for the best.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have a XXXX XXXX XXXX # XXXX that is violating my 30 day right to dispute. I never received any notice of this collection until it was placed on my credit.

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 2023-12-12
Company: TrueAccord Corp.
State: MO
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been repeatedly contacted by TrueAccord regarding a debt they allege is owed by someone else. They continue contacting me despite my telling them clearly that I am not the person they are looking for. I suspect that the debt may be owed by a fraternity chapter that I was associated with in the past. I provided them with suggested means of contacting them. 

I have notified that should they continue contacting me I will bill them for my time in assisting them with doing their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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.

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 2020-12-13
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I began a mortgage refinance application with Amerisave ( The agents name is XXXX XXXX ). XXXX told me ( a ) they will close the loan within one month, but likely within three weeks, ( b ) I wouldn't need to provide many documents at all, ( c ) XXXX also told me that she was able to wave the appraisal fee during our phone conversation, and ( d ) during the phone discussion she provided me with a loan quote, by which I agreed to move forward with the refinance application. She later emailed me with the rate quote but did not lock the rate. Amerisave required me to pay a fee of {$500.00} for 'loan processing ', which I paid at that time.

Over the next two months Amerisave continued to ask me for more and more documents every day. As soon as I uploaded the documents there were new document requested. On several occasions I asked XXXX about the status of the loan and that I wanted to lock the rate ; she repeatedly told me they were backed up and the rate couldn't be locked until after title work was completed. 

On XX/XX/XXXX I became suspicious about Amerisave, because everything they had promised me did not happen. I started a refinance with another mortgage company at that time, and over the next 30 days the new refinance company did everything they had promised and is now ready to close on my refinance loan. During this entire time I continued to work with Amerisave and I requested on several occasions for them to lock my rate and/or provide me with a good faith estimate or formal quote. On each occasion XXXX failed to do any of the above. 

It is now XX/XX/XXXX ( 4.5 months after my initial application with Amerisave ).

1. they have totally failed to perform, 2. they have all my financial information, 3. they charged me {$500.00} for application fee.

It is my opinion that Amerisave is a fraudulent company. It appears they are in the business of charging potential customers the amount of {$500.00} and that is their goal. If my suspicion is true, then I am very concerned about what they will do with my personal information because they have all my financial information at this point in time.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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