BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: Maximus Education, LLC dba Aidvantage
State: IL
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:
First of all, my spouse initially applied for PSLF in XXXX; denied based on not having the 'correct loan repayment plan ' despite having made 120 payments on time and working for state universities ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX. This denial has since been exposed as not a legitimate reason for denial. 

In XXXX my spouse died. I called MyFedLoan in XX/XX/XXXX. They said to send a letter requesting discharge and a copy of the death certificate which I did. I assumed it was going to be discharged and heard nothing. In XXXX I looked at my credit report and saw the student loan on there. I was alarmed so I called them again. I received many condolences and apologies and was told it would be escalated to management. 

Again, I heard nothing ; I was told it might move slowly due to COVID, so I waited until XXXX, and at this time I was so distraught and traumatized by the whole mess -- this is the response I got : " FedLoan has escalated the issue, the people I spoke to agreed that this is a horrendous mess, and they are mailing a document that contains the entire loan history. There was some history on the FedLoan side of things that said they recommended a write-off for the loans after you sent the death cert, but they weren't able to really tell me more than that. '' So, again, I assumed it was being taken care of. I never received anything and then suddenly MyFedLoan site disappeared and I was logging into FSAid. FSAid showed a XXXX balance from the time I logged in until now. I have screen shots of this balance. I assumed it was taken care of. 

A couple weeks ago ( XX/XX/XXXX ) I received a bill in my dead husband 's name saying that the whole amount was due. I also received the same bill in my name in the whole amount of the loan. We have been 'switched around ' by loan servicers, initiated by them, not us. From MyFedLoan to XXXX back to MyFedLoan to FSAId and now to XXXX. Each time in the past XXXX XXXX years there is a change, my dead spouse seems to be brought back to life and is asked to start repaying a loan that should have been first of all given PSLF and secondly should have been discharged due to death. I have sent the death certificate to many people, many accounts, many times. My spouse took out all the loans initially. I have no idea if somewhere along the way someone consolidated us, or advised to consolidate. My spouse handled all of the loans and repayment ( always on time ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: TRUIST FINANCIAL CORPORATION
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 information incorrect

Complaint:
Truist says I owe them but I found out I had XXXX XXXX..they are messing my credit report up can you help me please..

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 2018-05-22
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:
To whom it may concern I would like to make this brief. I have contacted XXXX, Experian, and XXXX on several occasions by certified mail, phone call, fax, and online. It seems to me that this is becoming more of a fairy tale joke to you and no one has responded. I contacted each creditor but no one was able to confirm that the fraudulent accounts and inquiries are mine. They havent not yet provided me with any proof of an original document showing my signature. By law with in the FCRA 609 it must me removed immediately. It has been more than 90 days for this investigation and my results were deleted online and Im sure it was done because I called in to mention that I have record and recorded every call, I made copies of all court documents and I definitely had a run in with you guys a few years back to due to lack of providing proof of evidence on how inaccurate information was placed on my report. It seems that this is the same situation. I am fed up and this will result in a court room. I will allow the judge to make the decision because I have had previous problems with you guys.

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 2023-06-14
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: Their investigation did not fix an error on your report

Complaint:
The Credit Reporting Agencies are bias and are refusing to delete the identified transactions from my consumer report, violating my right of privacy.

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 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair credit reporting act ( XXXX XXXX XXXX XXXX  Account # XXXX ), ( XXXX Account XXXX XXXX ) has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act, XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX BANKRUPTCY # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2021-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 a victim of identity theft. US Dept of ED, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX has Fraudulent accounts on my Credit Profile that needs to be removed 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 explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I paid {$6500.00} to XXXX IN XX/XX/2023 They have not shown this on Transunion Ive reported it 15 times They keep removing my dispute One time they showed the credit But it was removed! 
This has been ongoing since XX/XX/2023!

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 2022-05-29
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX  XXXX ( XXXX, XX/XX/XXXX Credit Limit : {$500.00} ), XXXX  XXXX  ( XXXX, Date Opened : XX/XX/XXXX Balance : {$960.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 told XXXX, XXXX, and Transunion to reinvestigate these accounts. XXXX XXXX XXXX ( Account # XXXX ), XXXX XXXX ( Account # XXXX )XXXX XXXX ( Account # XXXX ), and XXXX XXXX ( Account # XXXX XXXX # XXXX ) I don't know which one is the right account number because all of these accounts are reporting inaccurately. How is it that the account numbers, open dates, balances, account types, date of last payment, and date of last activity be reporting inaccurately? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly. 15 USC 1681 Section 602 A : States that I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without written instructions. 15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency can make any other 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 7 years. 15 USC 1681s-2 ( A ) ( 1 ) - A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they are not in compliance with Metro 2 credit reporting. I have attached evidence to prove my case.

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 2019-06-27
Company: OLIPHANT FINANCIAL, LLC
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:
XXXX XXXX XXXX reported my account as CHARGED OFF, while was depositing my checks till XX/XX/2019. I found out XXXX XXXX SOLD my loan to OLIPHANT FINANCIAL on XX/XX/2019. I contacted Oliphant immediately & negotiated PAY OFF on XX/XX/2019. I received confirmation letter from Oliphant that my account PAID IN FULL. therefore XXXX XXXX should remove derogatory mark 'charged off ' from my credit report & post 'paid in full ', which XXXX XXXX refuse to do & keep negative mark on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: EQUIFAX, INC.
State: IL
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 sent a dispute letter certified mail # XXXX XXXX XXXX XXXX XXXX. The letter was received by XXXX on XX/XX/2022. 

I asked XXXX to investigate every piece of information on accounts I disputed. 

According to 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

XXXX stated that the accounts were verified/updated ( see the response letter from XXXX attached XXXX # XXXX ) but how is this possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts is still not reporting XXXX XXXX percent accurate and according to 15 USC 1681a, everything must be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 2022-05-29
Company: EQUIFAX, INC.
State: WV
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:
I became delinquent in this credit card in XXXX of XXXX, which is the same month that I was laid off of work due to having a fever. I didnt return to work until XXXX, and my Unemployment benefits didnt hit my account until around XXXX, which all went towards catching everything else up. The credit card was turned into collections in XXXX of XXXX, at which point I had set the money aside so I paid the entire balance off, however when I did this, I asked that they remove the derogatory remarks from my credit report if I paid them the whole balance. They said they would, however they never did and I made no progress at getting them to so I gave up. However yesterday XX/XX/XXXX XXXX XXXX  added remarks to the account that decreased my equifax credit score by almost XXXX points. I called them and asked why this was and they stated because I had filed a dispute saying that I was delinquent on that card due to unemployment as a direct result of the natural disaster/pandemic that was covid 19, so they changed the status of the account from paid back to charge off. In addition to that, they told me that equifax was to blame for the credit score decrease and that I needed to talk to them, so I called equifax, who confirmed what I already knew. Which is that they just place what the companies report to them on our credit files. I found this to be extremely odd as I have paid the entire balance of the card, but because I filed a report that they didnt like they literally ruin my credit. I have worked so hard to get it up to around XXXX from what they did to me the first time and now they drop me back down to XXXX as retaliation. This has to be against the FCRA, and its unacceptable. Please help me, I am trying to get my life on track and without credit, its impossible. XXXX XXXX bank is a dishonest corporation and I hope to see something done about them. XXXX/XXXX  XXXX  are supposedly sending me a letter stating that the balance was paid in full by me, but were reluctant to say it was paid by me because they know they are at fault here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: OH
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:
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.

has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-01-18
Company: AppFolio, Inc.
State: CA
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:
Appfolio colluded with property management companies to defraud me as a consumer. I have no credit score with XXXX, nor did I give Appfolio or XXXX the authority to defraud me by coming up with a credit score not offered by XXXX. XXXX provides the only credit scores authorized to be reported for me. I also pay for credit monitoring. This is relative because no inquiry was made of my credit profile by

Appfolio although I paid them for two separate applications. In order to commit fraud and to wrongfully collect applica
tion fees, Appfolio colludes with property management companies to collect fees from consumers without running their credit profiles. My credit profile was never accessed by Appfolio and when I made several written demands from XXXX XXXX XXXX XXXX and XXXX XXXX requesting my tenant screening report, neither company complied with my request. These companies had already verified my references and they checked out. However they never ran my credit profile and denied my applications. 
However, they presented a fraudulent, inaccurate report to two property management companies to prevent me from renting due exclusively to race. Appfolio presented a completely different score that exceeded this score by more than XXXX points to another Appfolio client that rents slum apartments to XXXX people. The reports are identical and have the same credit information. However, one report scores my credit at XXXX while the other report scores my credit at XXXX. This score was given to prevent me from renting from two rental management companies XXXX for discriminating against XXXX people. Upon inquiring to both of these companies without race being disclosed, the properties were available. In person, the properties were renting. Appfolio may not assist in the discrimination of XXXX people by XXXX companies that would rather not rent to XXXX people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: Experian Information Solutions 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:
I have been disputing the bankruptcy information on my credit report for quite some time with all three credit reporting bureaus. XXXX and XXXX have both removed the information from credit report based on the documentation and disputes sent directly to them from XXXX. Experian has been a different story. They've told me they can't remove the information because XXXX has to do so. XXXX has stated once the information is no longer on my consumer report, the credit reporting bureaus have to remove it within their own systems. XXXX disputed this information for me once again with Experian on XX/XX/23 and stated they removed the disputed information from my consumer file. According to my credit report with Experian, it states - " If your report contains public records, it includes items from courts that Experian may have obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX You may contact them at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX. '' XXXX the third party vendor they utilize removed the information, disputed it with Experian and they have still refused to remove this from my credit report which is a violation of my rights. Information not held in my consumer report CAN NOT BE placed 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