BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-18
Company: Maximus Education, LLC dba Aidvantage
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XX/XX/22 : Called AidAdvantage to refund me the payments I've made to my Federal Student Loans during the payment pause. I was informed it totaled over {$19000.00}. I was informed it would take from 4-6 weeks. 

XX/XX/22 : My refund request was approved. 

XX/XX/22 : I called AidAdvatange for an updated and was told that it my refund was approved, and it would take 4-6 weeks. 

Today, XX/XX/22 : It has been 7 weeks now and I still haven't seen any update on my AidAdvantage status. I have not received any status update with Student Aid as well. I have not received a penny of my refund back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I have identified and notice many mistakes on my credit report. I have filed a report with the FTC. I would like to have these inquiries deleted. I did not authorize these company to run my credit that's fraudulent. I have reached out to all XXXX bureaus of the mishaps and they told me to wait a while and I will notice a change it has been over 6 months and no updated credit report. Thank you.

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 2023-09-28
Company: CBC Companies, Inc.
State: IL
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:
I am writing to formally request that you promptly remove any claims that have been reported in a manner that is non-compliant and unfair to me. This correspondence serves as my official consumer complaint, wherein I contest the accuracy of the claims included in your notice and challenge you and any other data repositories involved to provide irrefutable evidence that each claim was made in strict compliance with the mandated XXXX XXXX Data-filled Field Formatted reporting standards, including the requirements of fairness, truthfulness, correctness, timeliness, verifiability, and validity. While I do not dispute the validity of the claim itself, nor do I acknowledge it, I do have serious concerns about the adequacy of its reporting, given that federal law mandates that any claim must be reported with the utmost accuracy and completeness. 
As per XXXX XXXXXXXX, I believe that the integrity of the claims reported by you is questionable at best and therefore potentially unlawful. I respectfully request that you take immediate action to investigate this matter thoroughly and provide me with a satisfactory resolution that upholds the principles of compliant reporting practices and procedures. 
It is imperative that you immediately and permanently adhere to federal and state reporting regulations in a factual and undeniable manner. The XXXX, responsible for creating the manual for reporting standards, has established requirements for compliant reporting practices and adequate, complete, and verifiable data submissions, and concluded that any deviations from these standards jeopardize the integrity of the data. Your reporting practices are questionable and do not meet even the minimal requirements for the privilege to report. You had the opportunity to report in a manner that is certifiably compliant, but your deviations suggest otherwise. As such, I contest your reporting privileges and challenge you to prove each and every aspect of requisite reporting and adhere to all required adequate practices. I demand that you remove from reporting exactly as I have requested immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The Consumer Financial Protection Bureau is a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. Ive respectfully submitted a complaint # XXXX with The Consumer Financial Protection Bureau with the intention that CFPB is an independent federal agency built to protect consumers, write and enforce rules that keep banks and other financial companies operating fairly and also educate and empower consumers, helping them make more informed choices to achieve their financial goals. I believed in those goal and respectfully submitted my complain via your website complaint number XXXX in regards to what I believed was a direct violation of my Fair Credit Reporting Act 15 U.S.C 1681g ( I have the right to demand that Experian disclose to me all of the documents that they have recorded and retained in their files at the time of my request concerning accounts that is reporting in my credit report. ) Ive submitted my complaint on XX/XX/XXXX and received a companys response on XX/XX/XXXX with response type Closed with explanation. However, the response I received back from Experian did not fully address my issues or demands. Experian did not acknowledge the additional information Ive provided and the most current 3 disputes Ive submitted in the months of XXXX and XXXX in which I uploaded via your website proof of additional information which I provided to you ( Certified mail cards, debt validation letters I sent to the companies certified mail or my 3 previous dispute requests. I upload a total of 9 items and receive a Company response which ignored all relevant information coming from me the consumer.

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 2022-11-09
Company: EQUIFAX, INC.
State: MI
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 opting out of previous consents to share or use my personal data. Any further sharing or use of personal data will be in violation of my rights to my privacy. I request that my personal data be removed from the company data base immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I purchased a top by mail from XXXX ( Comminity Bank via the catalog ). Returned it a XXXX XXXX XXXX. On XX/XX/XXXX via online banking I sent in a payment to cover the shipping XXXX, which was received by XXXX and paid by my bank on XX/XX/XXXX. I was advised that payment was not received the payment so on XX/XX/XXXX I sent another payment for XXXX. They claim they did not receive the payment. The XXXX was received and paid to XXXX XXXX ( Commnity Bank ). on XX/XX/XXXX. XXXX XXXX and Comminity Bank claimed not to have received that payment. on XX/XX/XXXX I sent them {$20.00} just to get them off my back. 
I have talked to my bank and they have verified these payments were made. 
On XX/XX/XXXX, I spoke to someone named XXXX ( a manager ) who said she had located all three of the aforementioned payments in their system. She still wanted me to send in proof of payment from my Bank. I balked at this since it would t would take more time. Today, XX/XX/XXXX, I once again contacted my bank, who contacted XXXX ( Comminity Bank ) and will send proof of payment, even though Comminity has verified that they have received the payments. This is now bordering on harassment and dishonesty on the part of XXXX XXXX. I want a refund and credit from XXXX. 
I feel taken advantage of., bullied and mistreated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-27
Company: AXOS FINANCIAL, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied online solely because they had approved someone with severe financial difficulties and difficulty proving income or financial statements. They had gotten approved so I figured my challenging credit would be no issue. 

They flatly denied me saying my credit was the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: MD
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 see on my credit report these accounts are unverifiable invalidated in accurate and very much so questionable if everything is not reporting 100 % accurate it must be removed which it is stated in the FCRA 15 US Code 1681i last time I read it the law is the same. There are inquires on my credit report that do not belong on there, according to 15 U.S.C 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) In Section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. I did not authorize or give CONSENT to anyone employed by the this company to make any inquiry and view my credit report. Further more I did not GIVE any kind of instructions to report this ALLEGED inquiry on my credit file. 15 U.S.C. 1681b ( a ) ( 2 ) PERMISSBLE PURPOSE OF CONSUMER REPORTS I did not give any written permission for these companies to place inquiries on my credit report this is not right ... FDCPA Section 807 Violation Misleading False deceptive, or misleading representation or means in connection with the collection of any debt. The account must be removed!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-25
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I only owe {$57.00} to XXXX-Comenity Bank. On XX/XX/XXXX, I made a payment of {$27.00} and on the same day I was charged a return fee. On XX/XX/XXXX, I made a payment of {$33.00} and on the same day I was charged a return fee of {$25.00}. 

Comenity bank claim they could not find my bank information thus the reason for the two returned fees. Comenity bank never notified me by mail nor called me. I only found out about the late fees because I logged in to make a payment on XX/XX/2019. On XX/XX/2019I made a payment of {$60.00}. I was assured this would cover my XX/XX/XXXXpayment as well. Again, never was told about late fees or not being able to locate my bank etc.. Sadly, on XX/XX/19I was charged a late fee. Comenity bank lied when I asked if {$60.00} would cover XX/XX/XXXXand XX/XX/XXXX. 

Also, I found out Comenity Bank HAD A WRONG NUMBER listed. According to their records the number they had listed on my account belonged to a XXXX. I had to FIGHT with them to correct my phone number and to convince them I was not XXXX. I don't even know a XXXX AND I have had the same phone number for years. 

Ever since Comenity bank took over my XXXX account, my account has been a mess. I want the fees reversed. I want the credit bureau notified and a positive report made. 

My credit rating dropped 26 points because of Comenity bank 's error. This has to be rectified. 


Thank you in advance, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am being taken advantage of by XXXX, XXXX and Experian. These XXXX companies are violating my rights given to me by the FCRA. I didnt give them permission to access my non public personal information. Nor did I consent for them to furnish anything on my consumer report. According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. They permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).

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 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
transunion has fail to properly investigate my dispute cleaning that they verify the public record XXXX I have paperwork from the court stating that they don't verify or validate any accounts so transunios is in violation of the privacy XXXX and also there vender LCI consumer they must send me proof directly from the court and stamp to proof they verify it if they can not do that the must delete the XXXX in question

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 2018-04-26
Company: BTH Management
State: MI
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 began to receive calls about a year ago from a collection agency claiming to be collecting a debt from a payday lender. I informed the company that I have had a payday loan and requested on multiple occasions that they provide me with any information that had related to the debt and to no longer contact me via phone. To date, XX/XX/2018, they have failed to comply with either of my requests. They are still reporting inaccurate information on my credit file. They have not provided any substantiating data related to the debt in the time allowed by the FDCPA and they continue to contact me via phone. It is my contention that this company has violated multiple federal laws and they refuse to respond to any requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, INC.
State: AZ
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 have a collection on my report from XXXX, an account that is still open and active. XXXX continues to collect payments from me every month for internet service, but never thought to apply those payments to my supposedly past due balance. I was also told by XXXX that the collection account will stay on my credit report for 7 years from the day the collection agency decided to report the account instead of the 1st day of delinquency. I was not living at the address XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXXXXXX during the time the services were being charged and had moved to XXXX, AZ ( XXXX ). I have attached a transcript from my communication with XXXX stating that only the credit bureau would have the authority to remove this account from my credit report and they are not sure why I would be told they can not do it. When I spoke with Equifax I was told that only the reporting Collection Agency could request to remove the account. When I spoke with XXXX XXXX ( the collection agency ), they told me that only XXXX would have the authority to request for deletion and XXXX stated the the account was not reported in error. It actually was reported in error since XXXX never contacted me about the separate bill once they decided to create a new account for me when I moved. XXXX continues to allow me to be a customer even with this XXXX collection on my credit report ( apparently a separate account ), which defeats the purpose of the negative mark on my credit. No information was ever given to me about anything and I had to wait to see this reported on my credit. It took getting a Director of Compliance from the Collections Agency to even give me a full report with the information I requested after several disputes. I don't understand how it is my fault that I was never contacted about the {$200.00} debt and was allowed to continue using services with the same company that reported me to collections. The debt is apparently not in the hands of anyone who can request removal so I am requesting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: EQUIFAX, INC.
State: OR
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: Investigation took more than 30 days

Complaint:
XXXX - I received a telephone call from XXXX to verify my identity XX/XX/XXXX XX/XX/XXXX Wireless Telephone Service Provider XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX- this is a duplicated inquiry, I only authorized said inquiry on XX/XX/XXXX. 
XX/XX/XXXX XX/XX/XXXX Wireless Telephone Service Provider XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: OneMain Finance Corporation
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have a loan on a car I purchased with a loan from One Main Financial. I took out a {$500.00} loan after this. They said it was XXXX of XXXX. I don't recall the exact time but thought it was longer ago. I have a XXXX XXXX XXXX. The engine died and I called them for a pay-off amount and they told me it was XXXX dollars. The car cost {$5000.00}. I ended with a loan of about {$8000.00} XXXX or XXXX years ago. Now they tell me that because I took out a measly {$500.00}. loan it was a total refinance of the entire loan. They said it became a {$10000.00} loan. I would never have agreed to this if I had understood what was happening. I am not stupid and I believe they pulled a fast one on me and used deceptive practices for the refinancing. I had to purchase another car and could not include the money I still owed on the XXXX, so now I will be paying on XXXX cars and one doesn't even run. I can't afford both payments. Is it legal to finance the interest that is being paid on a loan? I want to resolve this without going to a lawyer but I will if I have to in order to get satisfaction.

Company response to consumer: Closed with explanation