BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, 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:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an account left that needs to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
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:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-03-11
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$14.00} XXXX XXXX XXXXXXXX Balance : {$28000.00} XXXXXXXX XXXX XXXX Balance : {$13000.00}

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 2023-06-07
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2022-04-26
Company: Avant Holding Company, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have tried to make my credit card payments about 4 times now. I was trying to pay my credit card off in full but my payment was returned to me on 2 occasions. I reached out to the Avant customer service and they advised they only take credit card payments on the XXXX of the month. It didnt make much sense for them to to my take payments on the first but I agreed and asked them to schedule a payment for me. When payment time came I got another message saying my payment did not go through though there are funds in the account I tried to pay with. I have other credit cards Ive no problem paying but this one never seems to take my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello, This regards my credit account with Paypal ending in XXXX ( I see there's a field for putting in the entire number on a later page, but I am not comfortable with that ). 

Some time earlier this, my account was removed from online access so that I have not been able to make a payment online. Even if I open up the details of a past transaction by clicking on '' View all PayPal Credit activity '' ( I'm talking about the regular Paypal site, not Paypal Credit because I can not access that portion of the site anywhere ), I get " Oops. That page doesn't exist. '' I have offered to send them a screen shot of this, along with one of the home page to show that " Paypal Credit '' is no longer there as an option the way it used to be, but they refused to figure out a way for me to do that. 

In corresponding with Paypal customer support, the replies I get are anything from them simply not believing me and instructing me again and again as to how to access my account online to, " We are not able to locate an account with this email address. '' ( the same email address I've been using for all my banking purposes for the last ten years -  XXXX ). I've been telling them - only half in jest - that if you can't verify an account for me, then I guess I don't owe you any money. 

They gave me a phone number to make payments online, which I have succeeded in doing a couple of times, but sometimes when I call, making a payment isn't one of the menu options, as was the case when I just went to make one now ( the rep I just spoke with told me they don't take payments by phone - he really knew what he was talking about ). 

Whether I can make a payment by phone or not isn't the point anyway - I want to be able to access my account online and make payments that way as I had been doing for ages - yes, with the same email address they now tell me can't be verified, which was never changed in my profile at any point in time - until this problem arose. 



Thank you, 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 2023-03-03
Company: Experian Information Solutions Inc.
State: NC
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XXXX XXXX I wrote to trans union, XXXX, XXXX about incorrect address and names on credit profile. They refused to remove it so Im asking for your help. 

1 ) My name is XXXX XXXX XXXX ) I live at XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX GA XXXX. 
3 ) I work at 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 2020-08-31
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: Problem with personal statement of dispute

Complaint:
This complaint is Experian credit Inc. On or around XXXX XXXX I called Experian to find out why my credit score decrease -21 points. I talked with Experian and was told they did not know why my score drop -21 points. In reviewing my Experian account there was on explanations to be found. Experian told that a dispute manager would call me and tell me what happen but was later no was going to call. I told Experian that I just paid off my student loans and my scores should have increase to an higher score. They told me there computer system give out the score and they do not have anything to do with the scoring of consumer credit score. Plus paying off student loans can negatively impact my score. Since they do not have anyone to review my credit report for any errors. I'm requesting for help from your agency to review my credit report. ( 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 2023-01-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2022-04-08
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: Old information reappears or never goes away

Complaint:
Hello, I am having problems with two of the three credit reporting agencies ignoring my justified request to remove a XXXX XXXX XXXX mistake, Trans Union and XXXX not only refuse to remove the item but refuse to even discuss its possible removal because the issuer is saying that its a valid claim still Just reiterate 10 years, California I think its three years but even if it wasnt theres a 7 year maximum. Additionally, XXXX immediately removed the item upon my request years ago. I have written both of them many many times over the years with no response and no have reached the point of contacting whoever I can for whatever assistance I can get to get this blight off of my credit. Thank you in advance for whatever assistance you can yield. 

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 2019-03-19
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: Their investigation did not fix an error on your report

Complaint:
XXXX and Experian are guilty of violating my consumer rights and violating F.C.R.A. rules and regulations on several counts. I did file for BK back in XX/XX/2009 which was a chapter XXXX.. However these 2 bureaus are reporting a chapter XXXX and stating they will report it for 10 years ... this is a violation. 
I disputed with them only to receive a computer generated statement saying they verified with the provider the information is correct. I called both bureaus who told me to contact court. COURT CONFIRMED IN WRITING THEY DO NO REPORT, VERIFY OR VALIDATE ANYTHING WITH CREDIT REPORTING AGENCIES ( see attached ) so it is LIE!!!! Then I disputed and called again and was told they get this info from XXXX XXXX. I contacted XXXX and received in writing statement that they did NOT get any response from the bureaus and did NOT get any requests for verification and validation ... SO XXXX   AND EXP LIED ON ALL DISPUTE RESPONSES SEVERAL TIMES ... THIS IS PUNITABLE BEHAVIOR AND I WILL COMPLAIN TO FTC AND ATTORNEY GENERAL 'S OFFICE IF THESE ARE NOT RESOLVED AND REMOVED

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 2023-10-06
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Made a payment on XX/XX/XXXX covering the full loan amount + interest. The payment was reversed on XX/XX/XXXX despite having the status of " received '' on my account portal for aidvantage. There were no charges on my bank account and I confirmed with my bank that nothing was denied by my bank and that my bank had never received any charges from Aidvantage. 

Upon checking my inbox in the aidvantage portal, I saw there were messages from Aidvantage saying that they could not locate my bank account so assuming that I had mistakenly entered my bank account info, I deleted my bank account from my Aidvantage account and carefully re-entered my checkings account information. 

Following this, I sent a payment on XX/XX/XXXX ( only noticed the reversed payment on XX/XX/XXXX ), covering the full loan amount + the newly accrued interest. The payment was reversed again on XX/XX/XXXX despite seeing a " received '' status on the loan again. No charges on my bank account. And to top it off, there was no correspondence from Aidvantage as to why my payment was " reversed ''. 

I just sent another payment on XX/XX/XXXX for the full loan amount + the newly accrued interest which is currently in the " processing '' status. 

Throughout this whole process, I've emailed Aidvantage twice, called once and have not been able to get any help from their help line.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. Their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00}

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 2022-11-28
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 ; I was admitted into the hospital for a major XXXX  XXXX. My wife was recovering from an XXXX  on her XXXX XXXX  that took place six weeks earlier. Our joint checking account and debit card with Navy Federal Credit Union was compromised as well as my personal checking account and debit card. Our joint account was hit for over {$1200.00} and my personal checking account was hit for {$380.00}. After recouperating a few weeks, I went through our accounts and noticed a significant amount of money missing. I filed a fraud dispute for both accounts and we were temporarily credited for the losses. We found out that our caregiver who is our nephew used our cards without permission. In XX/XX/2022, the temporary credits were reversed and our accounts debited for the missing money and the reasoning by Navy Federal Fraud was that the cards were present when used. I reiterated my and my wife 's conditions and stated that I was in the hospital when charges were made by my card. Navy Federal Fraud refused to budge and then suspended my debit card privileges for one year despite being a crime victim of debit card fraud. In XX/XX/2022 ; I requested a full review and then never heard back from Navy Federal. On XX/XX/2022 ; I became aware that the accounts under dispute charged off and {$30.00} was taken from my savings account to pay a disputed debt. It appears Navy Federal Credit Union fraud department failed to do a proper investigation and then penalized me by suspending my debit cards for calling them out for not doing a proper investigation. Additionally, if I was responsible for the charges, I would understand the suspension of my debit cards but as a victim of debit card fraud I don't understand why they suspended my debit cards other than for retaliation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Solomon and Solomon, P.C.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted for a number of years to have this collection attorney remove this erroneous account from my credit report. I have written them with debt validation letters requesting ALL records for this debt, including but not limited to ALL documents that obligated me to the debt. 

They have never sent me a single solitary document and they refuse to remove the item from my credit report. 

Solomon & Solomon located at XXXX XXXX XXXX, XXXX, NY XXXX is an unscrupulous collection agency masquerading as a law firm. Their collection tactics are disgusting and illegal. 

The are reporting a debt on my credit report that does not belong to me as follows : SOLOMON & SOLOMON # XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX Placed for collection:XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$5300.00} Date Updated:XXXX Original Amount : {$5300.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX  Past Due : {$5300.00} Pay Status : In Collection Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This debt is not mine, I have never executed any documents obligating me to make payments or receive service from the creditor XXXX at the address they say that the debt is for. I have never resided at the alleged address. 

This unscrupulous debt collector has refused to send me any records to validate this debt because they do not have any and can not produce them as a result.

Company response to consumer: Closed with explanation