BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-06
Company: Maximus Education, LLC dba Aidvantage
State: ID
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:
My plan was to get some student loans paid off before interest starts back up, but twice now my attempts to pay have been blocked. 

First attempt was over a week ago. I got an email that the payment was posted and the loans were at zero, but my bank never pulled the funds from my account. The next day it showed " payment reversal '' on my account history, but I didn't get any notice of why. I called and they said that there was an error with the account number. I asked for this in writing so that I had proof before I resubmit the payment ( If they pulled the money twice I wanted proof that the overdraft wasn't my fault ), and was told it would take over two weeks to get an email confirming that the payment hadn't gone through?

I told them to send it as soon as they could but specify the dates. I got verbal confirmation that they wouldn't attempt that payment again.

Yesterday, after letting everything sit for a couple of days, I went to make the same payment again. Triple checked the account number. I got an email stating payment was confirmed! ( not " posted '' like last time ). This morning I woke up to letters in my AidVantage inbox saying the payment didn't go through because of invalid account number. 

Now that this has happened twice, I'm convinced this is not any error of mine. Both times I was careful to input my information correctly. I'm convinced there's a technical problem on their end, but their helpline people are useless. They switch between blaming the bank or blaming me. 

I've confirmed with my bank that no attempt was made to transfer money out of the account. 

Essentially I have no way to prove that the problem is on their end, and their system is being so buggy that I can't get accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX and I am sending this complaint to address the incorrect items on my account. The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was TransUnion incorrectly. Please be noted that I have sent out letters prior to this complaint to TransUnion and to the companies for them to investigate. Have these following items be removed accordingly. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX : {$120.00} XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-18
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Yes I went to XXXX on XX/XX/2019 on XXXX XXXX in XXXX South Carolina I spoke with I gentleman by the name of Mr. XXXX I gave him permission to do a credit check for me I went back to XXXX on XX/XX/2019 I spoke to a young lady by the name of XXXX I did not give her permission to do a run a credit check on me she told me she was just gon na check in with System and see what I was approved for when I cant then on XX/XX/XXXX but they did she simply told me that She was not going to run a credit but she did I got hard inquiry from this credit report can yall please help me to get this off

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I contacted a seller on for tickets to a play. She stated her name and that once I transferred her money via XXXX and she saw the pending payment she would sent me the tickets. I transferred her money through XXXX. I used Chase. She gave me her name, email address and phone number and mentioned that her and her boyfriend had bought them but weren't able to make it. She said this was the service he was most comfortable with. Since I had used it before and he gave me all the details I wasnt that concerned with it. The transfer went through. She text me about 15 minutes later to confirm she received the money and said she " sending the tickets now ''. .. About 30minutes went by and I didnt receive them. I had tried calling her back, and immediately a recording saying " your number has been rejected ''. I had my boyfriend text the same number asking if tickets were still available, she replied " sure are '', he asked for a screenshot of ticket details and she never replied. After contacting Chase bank they told me they couldn't do anything to stop the pending transaction ( they wouldn't even file a dispute against it ) and because I authorized the payment that " it would be like handing them cash ''. They suggested I call XXXX. So I asked them if this is a service provided by the bank and they are providing this to their customers what are they doing to protect their clients. XXXX 's customer service number prompts you to select an option whether your are calling due to an issue associated with a transaction made through bank app or online ; once selected their recording simply states to contact your bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Please see attached documents. I have been trying to get XXXX to do a real investigation since XX/XX/2023. Please help me get results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
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:
Incorrect information on payments made in XX/XX/2021. Payments were made before XXXX  days late and information doesnt match on all XXXX bureaus. Creditor removed/deleted entire account from transunion due to continuous incorrect information but did not do the same for the other bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I'm the most recent victim on Chime Financial Inc. 

My account has been abruptly flooded with withdrawals in various amounts totaling {$1700.00}. I contacted Chime Financial customer support about the problem, the withdrawals were continuing to hit my account throughout my conversation, with each transaction ranging between {$20.00} and {$500.00}. Even though the transactions were still pending, the chime permitted the fraudulent transactions to post in my account the following day. Now I'm completely reliant on Chime to return my hard-earned money. It's been two days since I filed a claim, and they have yet to give me with any solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: Resurgent Capital Services L.P.
State: TX
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 requesting that you take immediate action to remove this account from my credit report. I have previously asked for the information that I am legally entitled to according to FCRA on several occasions and you have refused to investigate my request. If the inaccurate account is not removed from my credit report, I am prepared to file a complaint with the Federal Trade Commission ( FTC ). This is a serious matter and I urge you to take decisive action to rectify the situation. 

You have already violated the Fair Credit Reporting Act ( FCRA ) by not marking my file as disputed, not providing me with a signature to validate the debt, and refusing to investigate my dispute. I expect you to do what is necessary to ensure that the inaccurate information is removed from my credit report. 

I want this item removed from my credit report, I'm also seeking a settlement of {$4000.00} for violating the FCRA. I have maintained careful notes and correspondence since the beginning of my disputing process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: EQUIFAX, 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: Account information incorrect

Complaint:
At XXXX XXXX I received a email from my XXXX XXXX XXXX informing me that may credit limit was being reduced from {$6600.00}. to {$500.00}. because of a report from a consumer reporting agency, which indicates that I have a " substantial number of debts owed other creditors ''. I contacted customer service at the card company and they informed me that Equifax provided the information. I obtained a credit report from Equifax and see that my report is clean and free of any debt. 

I tried to file a dispute with Equifax using their internet format for over two ( 2 ) hours and was consistently timed out. The information provided to XXXX, by Equifax is at the very least inaccurate and has had an adverse affect on my credit. 

I have gone to great lengths in my lifetime to protect my credit and have no debt on a monthly basis other than my utilities and credit card purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I contacted USAA. At first I thought it was fraud but I realized it was something that my husband authorized. However, it is absurd that there is zero protection against business transactions through XXXX. Why distinguish between business and personal if its all the same?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX / SYNCHRONY BANK has started charging me a new fee called a card security fee. I did not authorize this fee and when I tried contacting them, they did not help me by canceling the fee. It is my understanding that this is some kind of payment protection. I don't want it. I didn't authorize it and I don't understand why they added this " benefit '' without my authorization. I want this fee taken off my account and the money they have already collected from me for this fee refunded.

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 monetary relief
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: MI
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'm demanding Experian shall block the following accounts below from my consumer report pursuant to 15 USC 1681c-2 ( a ) no later than 4 business days of receipt. Do NOT " reinvestigate '' these accounts with eOSCAR, as you've failed to do so in the past. Your company is furnishing and reporting FRAUDULENT accounts on my consumer report I did not give Experian my written permissible purpose to furnish these accounts therefor Experian is involved in identity theft pursuant to 15 USC 1681b ( a ) ( 2 ) .Please block and delete the following accounts and information on my consumer report 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  ) Dept of ED/XXXX  ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-18
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I purchased a bluebird card at XXXX. I paid a XXXX dollars service fee for this card. The instructions indicated was to register the card online at bluebird 's website. Upon attempting to register it. I was unable to register this card online so I spoke with bluebird support. They told me the card can not be registered and was ineligible to be registered. I inquired with them how to get a refund for the XXXX dollars service fee I paid. They instructed me to go back to XXXX where I purchased a card to obtain a refund. I went to XXXX and they refused to refund the money. They said prepaid debit cards are nonrefundable. Bluebird is  advertising a product that is sold through XXXX. Because I'm unable to register at this product is defective and I want a refund of the service fee I paid. XXXX will not give me a refund neither will XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: TD BANK US HOLDING COMPANY
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company calls my ex-husbands grandmother on a regular basis- I am not sure who they are but they keep saying I owe them a debt. I have called back before and asked them not to call her as she is no longer family and they refuse to stop. Rather than stopping, they will tell her that I am going to jail for the debt I owe to them and that I defrauded their institution. After calling them back, the calls will stop for a month or so, but then they start again. I'm not sure how to get them to stop calling but this is very frustrating as I don't appreciate them sharing a debt ( that they have yet to confirm ) with other people. I also am concerned about her health, these calls stress her out and she is XXXX years old and taking XXXX medication. This needs to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX claimed some years ago that I owe over {$1000.00} yet was unable explain why. I had the incorrect information removed from my credit report with both bureaus years ago. Now random debt collection companies are putting this account back on my credit report. This has prevented me from purchasing a home, borrowing money at reasonable rates, etc. 

Equifax 's website shows pending investigations which have been allegedly completed, only electronically. After over an hour on the phone and 3 supervisors later, nobody was willing to acknowledge the logic behind previously removed information from a successful dispute should not be allowed back onto my credit report.

A credit bureau that has suffered one of the largest data breaches in the world, who also can not provide accurate information, and gives customers the run-around on the phone should not be allowed to materially harm people 's lives like this. 

Incorrect information should not be allowed back onto credit reports after a successful dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: WI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Professional bureau of collections of Maryland has been trying to collect on items that have been discharged in a bankruptcy and closed. They constantly call me and have forced me into an agreement I did not want to sign as they stated this was the only way I could go back to school which is not true at all. They are trying to get me to pay XXXX and have been threatening and trying to intimidate me saying things like well we can just take you off and you won't be able to go to school. They are predators and should be fine and or closed. They are extremely aggressive and had I not known that I had the fair debt collection act on my side I would be terrified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
We were contacted by our Merchant Service Provider on XX/XX/2022 that our company had been report to a system called " XXXX XXXX XXXX '' for excessive chargebacks by Bank of America. 
I tried to contact Bank of America for days and finally spoke to someone who told me to call the local branch and file a complaint. I called the local branch and made an apt . and meet on XX/XX/XXXX with XXXX XXXX, Financial Center Manager XXXX. HE told us that someone opened an account over the phone with our name and FEIN number ; all other info was fraudulent. He filed a BOA Fraud Claim # XXXX and told me we had to wait to hear something, but it could be up to 90 days before they review it. 
I received a generic email from XXXX XXXX XXXXXXXX on XXXX XXXX, requesting we fill out a packet and send it back. I filled it out and sent it back. 
I spoke to our Merchant Services Account representative XXXX XXXX whom has tried to get our account turned back on, however until Bank of America removes the " fraud '' alert from " match '' we will not be able to have a Merchant Services Account. We used this account to run credit cards for customers, and other than checks this is the only other form of payment we accept. 
It doesn't seem right that Bank of America opened a Merchant Services Account for someone over the phone with only our FEIN number and NO other identification. 
They did finally say we were not at fault but did not offer to repay for any damage done to us from not being able to accept merchant service transactions and have customers pay. 
I saw there is a ruling regarding Bank of America and things they have done to customers and I believe we fit these charges.

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 2019-10-18
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed with a collection agency by the name of Convergent Outsource stating an inaccurate entry of an account on my credit report by their company. They have made a claim stating that I owe the amount of {$1200.00} which I do not. 

I have reached out to them on XX/XX/2019 and XX/XX/2019 requesting again to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately and that I have an obligation to pay them. They have failed to submit any contractual agreement with my signature with Convergent Outsource. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. 

According to FCRA & FDCPA, it is in violation to report any inaccuracy on a consumer credit report if there is no validation of the debt, they must request that all crediting reporting agencies delete the entry. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have legally binding contractual obligation to pay you the alleged amount. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.

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