BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
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:
Hello, I have been trying to get {$20000.00} refunded to my account from Aidvantage since XX/XX/XXXX in the morning. I have stated that I wanted to have all my covid payments refunded to me that I made after XX/XX/XXXX. The representative that picked up put a refund request in and stated that it would take 6-8 weeks. 
After a month of not seeing any movement in my account or got no updates regarding the process, I called back on XX/XX/XXXX. The representative looked into my refund process and noticed that they have not done anything with it since the representative did not add the amount for the refund. This means the refund request was not being processed for a whole month and left unfinished. So the representative added in the request with the amount I requested which was {$20000.00} dollars. The representative told me to check up by calling periodically to track my request. 
After this call, I called back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I got the same types of answers with no one knowing the XXXX and telling me XXXX weeks compared to the first time they mentioned XXXX weeks. There was no transparency about the process and I was left hoping that everything will be done correctly. 
Now on XX/XX/XXXX, I finally noticed that my balance on my loan changed and I saw that {$10000.00} on my account. This was only half of what I asked for. I was missing {$9900.00} on my account. Also I was charged {$170.00} dollars on this day by advantage and it was taken out of my XXXX XXXX 
I called back after the holidays on XX/XX/XXXX after I received the direct deposit of {$10000.00}. They did not pick up and dropped my call several times. It seems they only refunded me what was the easiest to calculate and I still have a lot of payments which are not refunded made after XX/XX/XXXX ( Account history attached to this compliant ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: FL
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2018-05-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was added as a co applicant on my brother 's and sister in law 's CHASE credit card. 
This was an unauthorized action and CHASE has been informed. All necessary documents have been sent to their corporate office. 
My brother and sister in law open a credit card with CHASE Bank account 16 years ago ( XX/XX/XXXX ) under their name and 8 years after ( 2011 year ) CHASE added me as a co applicant by error -- FRAUD. 
XX/XX/XXXX My borther and sister in law submitted a letter to Chase explaining this matter together with their attorney 's letter confirming I am not a co applicant on the account but CHASE is not authorizing to remove my name from the debt. 
They have never sent me a credit card under my name neither I have never purchase any items with their CHASE credit card ... You may ask for purchase receipts on record thru the 15 years the card has been active and confirm my signature is not in any of their sign receipts. 
When I called to confirm my name and date of birth they had the wrong year on their records as well, this is a very important matter CHASE is reporting the account on the three credit bureaus and my credit may be affected do to this situation. 
See attached letters sent to CHASE BANK from the original card owners and myself. 
I also included my license and social security card to confirm my signature. 
Please keep in mind my social security card was provided to me when I was a minor XXXX XXXX XXXX when I first enter the country my adult signature in on my license.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: KEYCORP
State: UT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Currently we have a first mortgage with XXXX. They have been excellent. We have a second mortgage with Keybank. We have been greatly impacted over the last two years due to XXXX and other unforeseen hardships. We have struggled to make payments. We just finished our remodification with XXXX, it was an excellent experience. While we were working through that with them, after our first trial payment we received notification on our door that our house was going to auction. We contacted the lawyer who was Representing Keybank. We told him we were working with XXXX and had just made our first payment. He said that Keybank had contacted him earlier and notified him of that and they had removed the foreclosure/sale date. ( I think this is not true, I believe they were fishing for our home ) My wife is who spoke with him. We contacted XXXX who assured us things were ok. We received another notice and contacted XXXX they said until we had finalized the process we may receive documents like that. We made our final trial payment to XXXX on XX/XX/XXXX. On XX/XX/XXXX we received notice of eviction from a builder and documents from the same lawyer, that also represents the bank. The builder documents said he owned our home. That he had purchased it at auction. We called him immediately, he said that keybank had auctioned it. We said, no we talked to their lawyer in XXXX and the lawyer said they had removed any foreclosure or sale date. We talked to XXXX, they had nothing in their system concerning a foreclosure or payoff amounts or auction date or sale date. They had not talked to Keybank. The title company orange tittle claiming to represent XXXX but XXXX XXXX has no documentation from them or correspondence, this title company produced a document back in XXXX. I suspect this title company works with the same lawyer. Additionally we talked to XXXX, they explained not to worry about it. Then on XX/XX/XXXX, we received a 3day summons on behalf of the builder, who is also represented by the same lawyer. The same one we talked to in XXXX and explained key bank had removed foreclosure/sale date that the first never knew existed. I do not believe it ever did. Again fishing for our home. We have text messages and correspondence that outlines harassment from the builder in telling us to work directly with him and his attorney. We received a summons with 3 days to respond outlining XXXX a month. He also told us we had to co to us to carry the first mortgage if we wanted to stay in the home. There is other information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: SC
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 have asked these credit bureaus numerous times to removed fraudulent inquiries on my credit report and they will not help me. I have reported them all and the agencies will not properly removed them according to the FCRA GUIDELINES. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX These inquiries are not authorized and are not verified!! 

As well as the debt collection from XXXX XXXX ( XXXX ) in which I have documents from stating I am NOT responsible for!! I will attach documents!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX XXXX XXXX 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 2022-08-10
Company: Aargon Agency, Inc.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Today XX/XX/2022 i told them to put me on their do not call list. 

The person on the other line hung up. 

This has happened repeatedly in the past. Ive told them to put me on their XXXX list, they hang up on me without acknowleding it, and the continue to keep calling me from the " Argon Agency ''. 

When I say to put my number on the XXXX list I expect it to be done and I expect the calls to stop. This has not happened

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 2018-05-02
Company: Navient Solutions, LLC.
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:
I tried several times to start a plan to pay the student loans with Navien, I filled a form which they were supposed to send my husband so he could sign. He never received. I called them because I needed more information about the repayment options, they were unable to give me further explanation about the plans. They said I had to read and choose one of the plans that are listed in the website. I asked them for information in XXXX, they dont have information so I was not able to make a decision. I have not started paying the loans and Im receiving so many calls during the day co collect debt. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
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: Investigation took more than 30 days

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17
Company: Synovus Bank
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I hired somebody to fix my credit and they were disputing inaccurate infos on my report and  XXXX  disputed everything that 's on my report including a secured card I had through First progress bank for  XXXX  $ which I opened  XXXX /2016 I made the initial  XXXX  $ deposit from my checking account. While investigating the dispute first progress closed my secured card and I called to verify myself and let them know I was n't disputing the account to not close my credit card or reopen it they declined and I reverted for them to return my  XXXX  $ deposit and i have been getting the run around everyday for the past month with them passing me back and forth department on hold for 4hrs and still stalling from refunding me my deposit and they even added extra fees to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: IL
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:
This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2021-08-19
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was attempting to buy a XXXX off of XXXX XXXX. The seller asked me to transfer money from my bank to him through Zelle. After I asked for pictures and everything to make sure it was a legit product I sent my first payment of {$500.00} and did not receive any message from the seller since then. I have no hope of receiving the product and the seller has refused to answer my contacts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: NY
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Dynamic Recovery Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened a XXXX  Mastercard by XXXX XXXX  on XX/XX/XXXX.The account was closed by XXXX XXXX in XX/XX/XXXX sinceI started in a debt relief program : XXXX XXXX XXXX  XXXX. I remembered I paid in full my account ; however I received a debt collector letter from Dynamic Recovery Solutions , LLC : XXXX XXXX XXXX, XXXX SC, XXXX. This collection DRS Reference Number was XXXX.The outstanding amount is {$7300.00}. 

I am trying to get the information that I paid in full the XXXX Master Card  so I searched my credit report to verify when this credit card was closed but I do not see any information of this credit card opened with a balance or closed. 

I had called XXXX Mastercard to get information twice ( XXXX ) regarding this credit card and they said that the account was closed and paid in full but they do not give any letter verifying this information so I can send it to Dynamic Recovery Solutions , LLC and closed this debt collection. 

I am submitting this dispute to be able to find out why is this XXXX Master Card appearing has a debt collection when it was already paid in full in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: LEXISNEXIS
State: NY
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:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: FL
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:
Upon reviewing my credit report, it has become evident your company, acting as a consumer reporting agency, along with the so-called " creditor, '' have unlawfully provided my information without obtaining my written consent, as explicitly required by 15 USC 1681B of the FCRA. It is imperative that you understand that I do not consent to the unauthorized furnishing of any of my information by any means, as delineated by my rights under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, in light of the provisions stated in 15 USC 1692a ( 2 ) of the FDCPA, it is evident that the transmission of information regarding a debt, directly or indirectly, through any communication medium constitutes a " Communication. '' As per the literal interpretation of " any medium, '' this encompasses various forms of communication, be it oral, written, electronic, or others. Therefore, the act of furnishing my consumer report, which contains information about the alleged debt, constitutes a " Communication '' under the FDCPA. 
In accordance with my rights outlined in 15 USC 1692c ( c ) of the FDCPA, I hereby provide you with formal notice to immediately cease all further communication pertaining to this account. This includes, but is not limited to, any form of contact such as telephone calls, emails, social media interactions, or any communication made through a Consumer Reporting Agency. 
Please be advised that any continued contact or communication from your company or its agents, except for a communication acknowledging receipt of this letter, will be viewed as a violation of the FDCPA. It is crucial that you take this notice seriously, as I am fully prepared to exercise my rights under the law. 
Failure to respect this cease-and-desist notice will leave me no choice but to pursue legal action against your company. Please understand that in any ensuing legal proceedings, I will seek all available remedies and potentially claim damages allowed under the FCRA and the FDCPA. 
I urge you to promptly address this matter and comply with this cease-and-desist notice to avoid the need for further legal intervention. I kindly request a written acknowledgment of receipt of this letter, along with your commitment to comply with the instructions provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions 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 XXXX  the following accounts have violated my consumer rights : XXXXDEPT OF EDU # XXXX XXXX XXXXDEPT OF EDU # XXXX 15 U.S.C. 1681 Section 602A : states that I have right to privacy.

15 U.S.C. 1681 Section 604 A Section II : states that a consumer reporting agency can not furnish an account without my written instruction.

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