BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: Maximus Education, LLC dba Aidvantage
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
The balance on my account is incorrect. I have emailed Aidvantage about this issue but I have not heard back from them in three weeks. 

I used to have an account with XXXX before my account got switched over to Aidvantage. Before the switch, I paid off all the interest and paid {$1400.00} towards my principle balance. On XX/XX/ I noticed that interest had accrued on my account of {$220.00}. Which shouldn't have happened, because the COVID forbearance period was still in effect. I brought this up to XXXX and they said that there was an issue with updating accounts and that it would be handled. Towards the end of XX/XX/2023, my account was transfered to Aidvantage with the accrued interest. I emailed Aidvantage on XX/XX/XXXX and was told to allow up to 90 days for all the information to update. Fast forward to XXXX XXXX XXXX I have emailed my situation to Aidvantage but have yet to hear back from them after three weeks. Before this random accrued interest appeared on my account, and before the loan service switch, my principal balance was at {$29000.00} with {$0.00} in accrued interest- this is what should be my current balance... but now my account states that my balance is at {$29000.00}. I did happen to notice that my payment history from when I was making payments to XXXX has not been transfered over to my account ( at least, I am unable to see it ). But before my account was switched, I was able to take screenshots of my payment history and the randomly accrued interest which I would be happy to share. 

As we all know, payments resume this XX/XX/2023. I would like for this issue to be resolved so it doesn't become a more complicated and bigger mess to untangle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
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: Reporting company used your report improperly

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2023-06-03
Company: Experian Information Solutions Inc.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 2023-05-24
Company: Southwest Credit Systems, L.P.
State: MA
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 am writing to dispute the following, on formation on my file, the XXXX collection account with the Account number XXXX and the date on it says XX/XX/22. The following information on my consumer report is inaccurate and according to FCRA is 15 usc 1681i ( 5 ) which is treatment of inaccurate or unverifiable information, on my credit report, I have send XXXX rounds of certified u.s postal service letters to all the three ( 3 ) credit bureaus and including the the XXXX, original creditor which is XXXX headquarters and the collection they sold its to which is southwest credit System, I sent they beat validation letters, and a Re-method of verification.the account was Re-aged account to my credit consumer credit report and they keep sent my a letter saying my account is verified, but, and I send them XXXX rounds of letters to no avail. I will be happy if u can re- investigate my information and delete the inaccurate information on my consumer reports. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ally Bank froze my accounts ( with a total of XXXX {$15000.00} ) on the grounds that I had suspicious transfers when the only transfers conducted were between my own external accounts under my name. They have been holding my money hostage for over a week now since XX/XX/XXXX and have provided the same boilerplate XXXX days response from their customer support team every time I called them after I've provided everything they've asked for. 

I use my Ally account for moving money around between my own accounts and I need this money now especially with the holidays coming. This is causing me financial loss by the day and Ally bank has refused to either provide a clear explanation of why my account was frozen or a timeline of when the " review '' is going to be done.

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 2022-11-14
Company: Credit Central Holdings, LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Became XXXX  and loan payment went unpaid. They forgave that negative account and opened a new account. Hasnt reported to XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
Regarding erroneous information reported on my credit report, I filed disputes with TransUnion, XXXX, and XXXX. I informed the accounts of the infractions they were committing against my consumer report. They still haven't responded after more than 30 days. I've included copies of every letter you sent below. 

By neglecting to designate this disputed account as disputed, this company has broken FCRA 623 ( a ) b ).

The date of the last activity on this account is reporting, so if the period has also been broken, 605 ( c ) is running. when the most recent payment date ought to be displayed.

The FTC believes that this company has consistently violated FDCPA 809b by failing to validate this collection account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My home is in NJ. Im in a union and during COVID last year we were shut down for a period of time. I did not want to have a negative relationship with my lender so I avoided forebearance. I struggled to make the payments but kept them to a few days late. On one occasion it did go 60 days delinquent. As soon as possible, by XX/XX/2020 I brought the loan current with neither Quickens nor governmental assistance. 

I was under the assumption that during COVID the lenders were giving some flexibility and were not reporting borrows delinquent. Quicken Home loans has destroyed my credit with 6 months of late payments. Why? What did they accomplish other than to prevent me from acquiring a lower mortgage rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: General Motors Financial Company, Inc.
State: NY
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:
GM Financial sent us a bill at the end of our car lease that was not disclosed when we turned our car into the local dealership, XXXX of XXXX  XXXX, who sold the original vehicle and originated the lease. The vehicle return was delayed for 2 months because of COVID-19. We moved house during COVID and GM Financial did not update our address. They subsequently sent a {$450.00} fee for the end of our lease that we did not receive as we moved and the bill was not forwarded by the USPS. GM Financial has now predatorily and very unfairly reported the payment as 30 days late and negatively affected my credit score. GM refuses to waive the negative credit reporting and understand that we had moved, we are dealing with a pandemic and we have two hard working taxpayers working from home trying to raise XXXX  kids under XXXX  while working. This is grossly unfair in the first place, but even more unfair that GM Financial refuses to correct its credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: National Collection Systems, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Apologies for any errors in reporting legal violations, my understanding is rudimentary at best. 

XX/XX/23 : Recieved call from National Credit Management, stating I owe {$2800.00}. I did not recognize this debt, so I state, " I'm not sure... I recognize this ( debt ) ... '' and asked for letter of validation of debt and to only recieve communications through mail. I did not state the debt was mine and did not agree to pay this debt. NCM consented to my request for written form of validation. 

XX/XX/23 : 5 days after initial communication, NCM has not provided validation of debt in any form, violating all parts of 12 CFR Part 1006 ( Regulation F ) Section 1006.34 ( a ) ( 1 ). 

XX/XX/23 : 30 days after initial communication. No further communications from NCM. Decided to allow another few days before reporting to allow them more time to correct clerical errors. 

XX/XX/23 : 42 days after original notification. NCM has neither attempted to collect on the supposed debt and has not fulfilled my request for validation of debt. Have not recieved any communication of any form from NCM.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued receive in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$0.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX XXXX {$24000.00} XXXX XXXX XXXX {$440.00} XXXX XXXX   XXXX {$550.00} XXXX/XXXX  XXXX {$760.00} XXXX XXXX {$83.00} XXXX   XXXX {$330.00} XXXX XXXX XXXX {$260.00} XXXX XXXX {$800.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Radius Global Solutions LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This collection agency is harassing me via email and never even verified the debt!! They are breaking the FDCPA!! Please deliver this CEASE and DESIST letter to them as they will just lie and deny receiving it if I mail it!! I am NOT paying them a XXXX and will sue them if they contact me again!!! Please enforce the laws!!!

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: EQUIFAX, INC.
State: GA
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX ====================================================== 1

5 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: TN
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 Acct # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Experian Information Solutions Inc.
State: IL
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:
XX/XX/2018 There is a hard inquiry by XXXX XXXX XXXX appearing on my credit report. 
This is incorrect. I did not apply for any new credit nor loans with XXXX XXXX. This inquiry needs to be removed. Errorinformation appears in XXXX XXXX and Experian.

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: EQUIFAX, INC.
State: NC
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 AM A LIVING PERSON PLEASE DONT CLOSE OUT MY COMPLAINT WITHOUT DOING A FULL INVESTIGATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: Eastern Account Systems of Connecticut, 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: Account information incorrect

Complaint:
In XX/XX/2022 I moved residence and contacted XXXX XXXX to move service to my new residence. XXXX XXXX services were not available at my new residence, so I attempted to cancel my services and close my account with XXXX XXXX. My account was not closed and I continued to be billed months after I moved. Eastern Account System reported this account on my credit report under collections. I attempted to dispute this account through XXXX but the account was not removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX 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 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 2023-12-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am writing to request correction of the error described below for property address : XXXX XXXX XXXX XXXX, CA XXXX Payment Error : Lakeview Loan LLC have been over-drawing {$140.00} ( MIP ) from the Escrow account, and somehow I see that we are paid up till XXXX. We currently have a principal balance of {$160000.00}. We borrowed appproximately {$220000.00}, so we are at 71 %. 
Isn't MIP supposed to be eliminated at 80 %? 
And how does the co. arrive at {$140.00}? Is there a percentage?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: TN
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 Bankruptcy Court Reference # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation