BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-20
Company: Maximus Education, LLC dba Aidvantage
State: GA
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 submitted requests to my server ( Aidvantage ) and to studentaid.gov asking why I do not qualify for loan forgiveness since my loans are over 20 years old. I have tried to get on an IDR payment plan, I have applied for SAVE. I have gotten no response from either my servicer ( Aidvantage ) or studentaid.gov. If I would have been told by my servicers ( there have been several ) about IDR payment plans I could have made payments all along, but the servicers always put me in deferment or forbearance. I also went through bankruptcy many years ago and was told I could not add my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
This is a second complaint since my first complaint was not resolved even though it was closed. The complaint was XXXX Original Detail as follows : On XXXX XXXX I applied for a XXXX XXXX XXXX XXXX card from XXXX XXXX XXXX. They pulled my credit twice on Trans Union resulting in two credit inquiries. I only authorized one inquiry for the one account. Trans Union needs a letter from XXXX XXXX XXXX stating that only one credit inquiry should have been pulled. They have thus far refused my request for a letter of deletion to remove the duplicate inquiry from my account. 


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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 2023-04-04
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. this ground for removal the also violated my rights under 15 U.S.C 1681 Section 602 A. Status I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer repoting agency can not furnish a account without my written instructions Also the credit bureaus took more than 30 days to complete my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: FIRST NATIONAL BANK OF OMAHA
State: OR
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:
They sent a letter to me accusing me of fraud because the very good scam on XXXX involved a phone call. I called the company several times and sent this letter. 
This note is regarding payment on this invoice. The {$79.00} charged on XXXX and the {$79.00} charged on XXXX are lagitiment charges that I made and will be paid. The charge on XXXX of {$950.00} was not a charge I made. It was a scam to get my credit card number and I called within minutes of realizing that it was a scam. A woman answered and said the charge would show up on the next months billing but it would be taken care of. It is still on the statement and I am being charged interest and accused of fraud. I am not paying this charge as I had nothing to do with this scam. 
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 monetary relief
Consumer complaint received 2023-11-03
Company: Experian Information Solutions 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 strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

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 2023-07-04
Company: Experian Information Solutions 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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX 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

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 2023-09-21
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/13 I received an email from Venmo that I had received a {$600.00} payment into my Venmo account. I checked daily for a week and it never showed in my balance. Then when I tried to login I began to get the message " OAuth2 Exception : Unauthorized action ''. This went on for two days. I tried customer support and could not get a response by phone. I submitted an online request and did not get an answer. I tried their chat and it wasn't an option. Then I XXXX the problem and saw that people have been having this problem for over a month with no contact from Venmo or resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: KY
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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: PACIFIC CAPITAL EXCHANGE
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This debt collector keeps harassing me and other family members looking for a XXXX XXXX who we do not know. This is not even my last name. Some of my family members are elderly and they call and wake them up early in the morning. One man told a family member that he was a lawyer and they were going to serve her papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Bepensa Capital, 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:
I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Westlake Services, LLC
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
West lake financial has repeatedly called me over last year several times a day everyday after being told to stop calling me They have called, emailed, mailed harassment

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 2023-09-01
Company: AppFolio, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I am writing to address a matter of utmost urgency regarding the payment processing system on the AppFolio portal.

I have observed a concerning discrepancy in the fees applied to transactions conducted through the AppFolio platform. Specifically, the portal advertises a fee of 3.49 % for credit card transactions, while significantly lower flat fees apply to check or debit card payments through the same channel.

However, when I attempted to utilize my debit card on the AppFolio portal, I was unjustly charged the incorrect amount of 3.49 %, resulting in a total charge of {$94.00}. This irregularity has been a source of significant inconvenience and financial strain.

I have taken proactive steps to resolve this matter, initially engaging with AppFolio through the Better Business Bureau ( BBB ) as it became apparent that direct consumer contact channels were not available. Regrettably, my attempts to find a resolution through this avenue have proven fruitless. 

Furthermore, I diligently communicated this issue to my property management company, Personal Property Management ( contact information : XXXX, located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ). They have consistently assured me that this fee discrepancy is beyond their control, as it pertains to a third-party charge facilitated by AppFolio.

Conversely, AppFolio, in their responses via the BBB complaint system, has repeatedly directed me to contact my property manager. This continuous cycle of redirection has created significant frustration, as my property manager lacks the authority to influence or rectify these fees.

As a concerned consumer who values fair and transparent financial transactions, I am earnestly requesting that AppFolio promptly assess fees in accordance with the rates advertised on their portal, thereby ensuring compliance with consumer protection acts.

My primary objective remains the resolution of this situation, and I implore AppFolio to take immediate corrective action to restore fairness and transparency to their payment portal. 

I trust that this matter will receive the attention it warrants and will be addressed with the urgency it demands. Your swift response and resolution are eagerly anticipated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: ERC
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:
ENHANCED RECOVERY CO L is reporting a COLLECTION ACCOUNT and a LATE PAYMENT ACCOUNT on my XXXX and XXXX credit report. Thesea accounts are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Exeter Finance Corp.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent in a letter on my first police report XX/XX/2022 ( XXXX ) and letter for identity theft. Tracking Number XXXX USPS to have the account removed from my credit report. XXXX, XXXX and XXXX all removed this account from my credit On XX/XX/2022 These items where place back on my credit report by XXXX and XXXX. I called in to dispute these items immediately. I was told I can not dispute these items because the creditor said the debt was mine and the debt had been validated. I asked for proof of validation. I was told that was something that could not be provided to me as consumer. I filed another Police Report ( XXXX UPDATE ) XX/XX/2022 and sent it certified mail ( XXXX ) I attempted to dispute this account again However Experian rep told me the account would stay on my report. On XXXX I spoke with XXXX a specialist that XXXX made me pay for in a membership benefit form. XXXX told me to send in another police report. But there was not much she could do. I explained the COST of sending in information and my lack of transportation due to being affected by the pandemic. Documents sent XX/XX/2022 Tracking XXXX According to the Fair Credit Reporting act 15 USC1681.Section 602A I have a right to privacy. According to 15 USC 1681 Section 604A Section 2 No financial institution is suppose to share my information to a third party. I did not give written permission to have the accounts added to my credit report. I have also attached a recent copy of my FICO report to support and show inaccuracies. This is my second complaint with CFPB- First case number XXXX ( XXXX XX/XX/2022 ) Closed ( XX/XX/2022 ) This clearly violates my federally protected consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my credit reports, including XXXX XXXX, XXXX and XXXX XXXX, accounts that I have never opened ; And inaccurate late payments listed for several accounts, including XXXX  XXXX XXXX in XX/XX/XXXX ; XXXX XXXX XXXX in XX/XX/XXXX ; XXXX   XXXX XXXX  XXXX XXXX in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; XXXX XXXX XXXX in XX/XX/XXXX , XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX & XX/XX/XXXX ; by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX ; And to Equifax via the online dispute portal. USPS verified that all my requests were received on XX/XX/XXXX. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. I was supposed to receive responses to my requests by XX/XX/XXXX. To date, I have received none. Therefore, I expect all these items will be removed from my credit files immediately. Thank you for your prompt attention to this matter. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My credit report is not up to date, Experian boost will not let me boost XXXX, I have paid XXXX since XXXX, 3 months and I want it on my Boost and I want my account up to date

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 2023-03-04
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX XXXX I was made aware that my account was put under review due to fraudulent activity. The fraudulent activity was three mobile deposits and the next day i pulled out the money in cash. I brought the physical checks to my local Golden1 and they told me to call the Golden1 customer service number again to request the review to be cancelled, when I called the person on the phone told me it was another company that deals with the review, but they have never told me the name of said company and the one time they sent me to them I was left on voicemail and Im constantly told that I to wait for them to contact me. I need access to my account to pay bills and this has been far more than a nuisance.

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 2023-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been contacting Capitol One for almost two weeks now. I initially called on XX/XX/XXXX to find out how much my payoff was. I was given XXXX XXXX plus dollars as my payoff amount, so I decided to pay off my account on XX/XX/XXXX. To my knowledge, if I pay off my balance before my billing cycle ends that I would not accrue any interest. My billing cycle ends on the XXXX of each month, so how am I responsible the interest? My balance was XXXX as of XX/XX/XXXX. All of a sudden, I view my account and saw that I had an outstanding interest of {$18.00} after I paid my balance off on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: CITIBANK, N.A.
State: WY
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 signed up for auto payment, which I had set up to pay the previous statement balance on the date due. My previous statement balance was {$1200.00}, and was due on XX/XX/23. I decided to manually pay it a few days prior, and on XX/XX/23, the full payment of {$1200.00} posted to my account, and the auto payment should have been cancelled. Auto payment did not successfully cancel, and they tried to take it out of my account again on the XXXX, but was returned because I had already made the payment, and I was hit with a {$30.00} return check fee. I contacted customer service right away, and they said I would get a refund for that fee, since auto payment should not have tried to go through. I waited a few days, and after not seeing a refund, I contacted them again, and this time I was told I needed to wait for it to be posted to my statement before I could get the refund. So I waited an entire month, and as soon as it posted to my statement, I reached out again, but this time I am told its a valid fee, and it will not be refunded. This was a mistake on their end since auto payment should not have gone through.

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 2023-07-04
Company: Experian Information Solutions 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation