BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have disputed XXXX XXXX XXXXXXXX payment history. I have disputed a missed payment from XX/XX/21 with all three credit bureaus, the credit reporting agencies have failed to delete this missed payment. The credit agencies have switched and rearranged the information regarding this payment numerous times including changing the date from XXXX to XXXX, because of this my credit is taking a tremendous drop. I want this missed payment deleted from my credit history 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 non-monetary relief
Consumer complaint received 2020-04-01
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
This company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX has false advertisement going on at their location. They have consistently invited me to come down to see if I qualify for a vehicle, and advertising that they are able to work with any circumstances. This is not the truth they are practicing false advertisement. The person that the company has making these false advertisement phone calls goes by the name XXXX XXXX. The manager is XXXX who is completely aware of these false advertisement phone calls. I came to the dealership and began to feel pressured to let them run my credit. After finally agreeing for them to run my credit one time under XXXX XXXX   they took the initiative to run my credit three or four times without my consent. I have worked extremely hard to get my credit in good standing. I would not like to play around with my credit to try somethings just to see. Either I meet the qualifications or I don't. I was approved for a {$28000.00} Loan and still did not leave with a brand new car. I spent almost 5 hours at the dealership for nothing. Time I could of spent working instead of being lied to. This company needs to stop false advertising to get people to come into their branch just to play around with people 's credit information. The issue came about when they advertised that they would give a very high percentage over the XXXX XXXX XXXX value. Had they honored their advertisement then I could of had a new car once they took my trade-in, processed the loan, and type the contract. However, they did not honor their advertisement so I just walked out like I came in. Actually it was a couple of more people there and no one drove off in a new car, because they are false advertising to get customers to screen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I was impacted severely by the current pandemic, suffering severe medical issues and unable to make payments until now. I called in, requesting a payment plan to make the loan current and catch it up and even pay it off. I requested this under the CARES ACT which should have spared my credit report from being negatively impacted as well. USAA refused to allow me to bring the loan current and correct the negative reporting on my credit reports, refused to make any accommodations and requested I go online to file a credit dispute. However, my USAA online account was restricted by USAA previously and I've been unable to log on to make payents, see my account number, amount due or really do anything with the loan. I've always been required to call in to make payments during their business hours, which due to my health issues I've been unable to do. Now they are telling me, there's nothing they can do the loan is charged off and there's nothing I can do to protect my credit and make it current in accordance with the CARES ACT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: MA
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 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, XXXX, Experian, 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 explanation
Consumer complaint received 2020-04-01
Company: EQUIFAX, INC.
State: NV
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:
ACCOUNTS LISTE ON THE FTC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Settle FTC Charges that XXXX XXXX XXXX XXXX XXXX Ad Was Deceptive The Fair Credit Billing Act is a federal law enacted to protect consumers from unfair billing practices, such as unauthorized charges, charges for unaccepted or undelivered goods and services and other disputed charges. ... The law applies to revolving charge accounts and open-end credit accounts, such as credit cards. 

As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act 1692-1692p.

Please note that the format of the text differs in minor ways from the U.S. Code and Wests U.S. Code Annotated. For example, this version uses  FDCPA section numbers in the headings. In addition, the relevant U.S. Code citation is included with each section heading. Although the staff has made every effort to transcribe the statutory material accurately, this compendium is intended as a convenience for the public and not a substitute for the text in the U.S. Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Maximus Education, LLC dba Aidvantage
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied for Public Service Loan Forgiveness with XXXX in XX/XX/XXXX ( 14 months ago ). I am fully eligible and simply waiting for my loans to be forgiven. 

In XXXX of XXXX, I was informed by Aidvantage ( my assigned loan servicer ) that I needed to resume payments in XXXX. I checked the status of my PSLF application with XXXX online and it said it was a duplicate application and had been rejected ( erroneously, as I had never submitted anything of any nature to XXXX before XXXX of XXXX ). 

I then attempted to reach XXXX. I needed to take a full day off of work in order to successfully reach them. They told me my application was still actively pending but they could not take any action on it until Aidvantage transferred my loans to XXXX. I was told there was nothing I needed to do to facilitate this process, as this was a process between Aidvantage and XXXX, but I could contact Aidvantage to urge them to transfer my loans. I asked the XXXX representative if I could receive administrative forbearance while my PSLF application is pending, and they informed me that I would need to make that request with Aidvantage, as that is where my loans are currently managed. 

Last month, I made my first entirely unnecessary payment with Aidvantage as I had no other choice. Today, I called Aidvantage at the number provided on their website ( XXXX ). I navigated the Aidvantage automated phone menu and requested to speak with a representative after verifying my identity. I waited on hold for approximately one hour before the phone began ringing and then an automated message told me that the Aidvantage number I had called was no longer in service and that I must hang up and dial the correct number of XXXX same number I had been on hold with for the previous hour! 

Whether this is a legitimate glitch in the phone system or a deliberate act to terminate phone calls from borrowers, the outcome remains the same : it is entirely impossible to access a customer service representative to make the request that my loans be transferred so they can be forgiven as they should have been more than a year ago without any further action on my part. 

Because I have no way of speaking to anyone at Aidvantage regarding my loans, I am seeking the CFPBs assistance in doing so. I have been very patient and accommodating throughout this process, but after 14 months, it is clear that without outside intervention, my loans will not be transferred from Aidvantage to XXXX and my application for Public Service Loan Forgiveness will never be processed. I do not wish to continue indefinitely making payments on loans I no longer owe. I greatly appreciate your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
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:
In accordance with the Fair Credit Report Act XXXX, Account : XXXX, Creditor : XXXX  XXXX XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

This Creditor is reporting incorrect information on my credit reports.

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 2018-02-01
Company: Experian Information Solutions Inc.
State: VT
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 filled a complaint earlier. Complaint number XXXX against XXXX. The company will not freeze access to my data without my enrolling in their credit monitoring program at {$120.00} a year.

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 2023-07-27
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - ( XXXX ) XXXX XXXXXXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 1681 c. ( 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 it the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions 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 requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, 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:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-17
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
Credit Bureau did not delete the error on credit report from XXXX XXXX. They reviewed it and found it accurate. This is information which is derogatory and defamatory and which is inaccurate and false. This information needs to be deleted from my report as this collection has never been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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'm writing to request the removal of an unauthorized credit report account from my credit report. I noticed the unauthorized account listed below after receiving a copy of my credit report from your bureau. Attached are the companies names and dates.

I have contacted Transunion and requested that they remove the account from my credit report as it was unauthorized. The account was deleted. I checked my report again and noticed the account was readded. I did not receive a letter from Transunion stating they would add this account back to my report.

Under code 15 USC 1681 b permissible purpose. It is illegal for companies and credit bureaus to report on my report if I didnt provide written consent to the bureaus to report anything or to continue reporting. This is identity theft.

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 2022-03-03
Company: Community Health Investment Company, LLC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear representative, On XXXX XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX for a bad case of XXXX. According to XXXX XXXX XXXX, I owe them {$4600.00}, however, that is not the problem even though its over a {$1000.00} an hour not counting the Doctors and the Radiologist that I have paid. The problem is that XXXX never sent me an invoice. I have contacted them multiple times and was told I didnt have an account. I finally got in touch with a representative through e-mail and then lots of phone tag. I thought things were fixed. So I made a payment of {$150.00}. 

I still have never received an invoice. Now to my surprise, I have received a letter from a debt collector. I never received any notification that this step was happening. I have no way to know that this debt collector is legitimate. 

I called XXXX again on XX/XX/XXXX to talk to the same representative that I thought fixed things. She said she would work on it and get back to me, but never did. 

The Doctors, Radiologists and Nurses that I had were awesome! They took great care of me even though they got very busy. I wish I could say the same for the medical center.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 response to consumer: In progress
Consumer complaint received 2020-04-01
Company: LoanCare, LLC
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Almost any other loan servicer is offering deferment for consumers during this pandemic. Loancare is only offering forbearance and they refuse to answer if you question if they will do a loan modification at the end of forbearance. If I can not afford my mortgage this month how am I going to have a couple months worth in full at the end? If they truly cared they would offer some assistance other than racking up a huge bill and foreclosing on houses when the pandemic ends. I am more than willing to let them collect my interest during deferment but they wont even consider this.

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 2020-06-25
Company: Experian Information Solutions Inc.
State: LA
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 talked to XXXX, XXXX, and Experian and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. This is really impacting my credit score and personal life. I am a hard worker and trying to purchase a new home for me and my family. The interest rates are down now due to COVID 19 and I would really like to qualify but can't until this is resolved. I appreciate your assistance in this matter. 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 explanation
Consumer complaint received 2023-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I was charged {$700.00} from XXXX XXXX for services that were not delivered. Capital One advised me to try to resolve the issue with the merchant, but after multiple attempts, it became clear that the merchant would not return the money or provide the services. On XX/XX/XXXX, I filed a dispute with Capital One for the charge. They reversed the charge and informed me that I would receive a letter in the mail with instructions on how to complete the dispute process. 

However, when I did not receive the letter, I contacted the dispute department and asked for an alternative method to submit the information they requested. I was sent a link and went through the process, only to later find out that the charge had been reapplied to my card because I didn't submit the information in a timely manner.

I explained my efforts to comply with their requests, but was told that the dispute was being closed because it was past the 60-day limitation to file a dispute. I was never informed of any time limit and was misled to believe that Capital One was handling the dispute as part of their dispute resolution commitment. Despite my repeated efforts, they never attempted to recover the money from the merchant, and the dispute was ultimately closed. 

I am now out {$700.00} and feel that Capital One misled me throughout the entire process. They had the opportunity to disclose the time limit and their lack of action from the start, but instead chose to string me along, collecting interest on my card and making me jump through hoops. I am extremely disappointed in their handling of this matter. I was ripped off for {$700.00}, I proved it to them, and they are refusing to process my dispute.

Company response to consumer: Closed with explanation