BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: Maximus Education, LLC dba Aidvantage
State: PA
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:
I am eligible for XXXX Loan Forgiveness as per the guidelines. I submitted the application to my loan servicer, Aidvantage, on XX/XX/2022. My application was denied on XX/XX/2022 because they claimed I am ineligible. After speaking with their customer service, I learned it is actually because I did not fill out the form as per their specifications. I applied again on XX/XX/2022, this time including a letter from my employer with the details of my eligibility. I was denied a second time on XX/XX/2022 because they claimed the XXXXXXXX XXXX XXXX  ) I worked for were not listed in the XXXX  Cancellation Low Income Directory. This is blatantly untrue. I submitted a third application today, XX/XX/2022, this time including screenshots from the directory. I also wanted to lodge a complaint with the CFPB because Aidvantage 's denial of my application is now in violation of the laws governing the TLF program.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I came back from being XXXX in XXXX for about 10 months to find that when I would try to apply for apartments I would constantly get denied although I thought my credit report was locked, I spent over {$900.00} consistently putting in application after application and I was ultimately denied, I have tried to dispute some of these negative items with TransUnion but was unsuccessful, During my XXXX there was a strange glitch In the TransUnion app in XXXX showing that I was consumer deceased making my credit score drop to XXXX everything was deleted from my report then refurnished without me being notified certified mail which ruined my credit further. In turn losing my XXXX XXXX to keep my job as a XXXX XXXX in the XXXX I will be terminated as of XX/XX/2024 XX/XX/2024

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 2023-06-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents in FEDERAL TRADE COMMISSION or https : XXXX, So I am here to notify/complain to you directly through this platform XXXX XXXX XXXX Balance : {$440.00} ; CAPITAL XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX Balance : -.

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 2023-07-20
Company: EQUIFAX, INC.
State: MI
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:
XXXX credit bureau has violated the FCRA AND CONSUMER LAWS by never deleting inaccurate ; multiple wrong last active dates, wrong amounts, wrong status, wrong opening date wrong date of last payment, and EVEN UPDATED CHARGE OFF STATUS ACTIVELY EVERY MONTH! LAST ACTIVE DATES ARE GROSSLY INCORRECT AND EVEN ACCOUNT TYPE. 
I have corresponded and begged for 4 months and they continue to ignore all of the proof I have attached here. 
XXXX has continued to report these false items as true on my credit report instead of deleting these numerous accounts as the laws state. 
XXXX XXXX  accounts Capital One accounts and XXXXXXXX XXXX WHICH HAS BEEN PAID TO XXXX ON XX/XX/23 This continues to destroy my interest rates, ability to have a vehicle, or buy a house on my fixed income of XXXX I need the credit to be correct and its only right to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: I.C. System, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. 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. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount

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 2023-11-07
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Wells Fargo reported me for late payments while having an active investigation as to why I was not receiving any mail or emails from them regarding my statements or when my payments are due. Upon disputing this they informed me that I have other ways I could have found out and paid the debt, to which I informed them I could not create an online account due to bank error with not having my social on my account. Once that was corrected I was able to. Because of these they reported me to collections and now my credit score has tanked for their bank error violating my UDAP rights by treating me different then other consumers. After this I requested to speak with a manager as my case worker just told me that I was wrong and she was right and theres nothing to be done from there. I have requested 5+ manager callbacks from Wells Fargo and have never once received a call from a manager to assist me in the matter. They have also ignored numerous complaints that Ive made and just ignored me while making them.

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 2020-08-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
on XX/XX/2020 i wrote a dispute letter to investigate inaacurate info on my credit report and i haven't recieved a response

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 2020-08-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
on XX/XX/2020 i sent a dispute letter about personal information that is inaccurate on my credit report. I still havent gotten a response but an inquiry was added to my 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
Consumer complaint received 2023-05-24
Company: CCF Intermediate Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called XXXX XXXX XXXX  who has the debt now, I told them I never had that account, they said it was original a cash central.com account, which I never herd of, they said it was opened in an email address I never herd of and then told me the money was sent to a XXXX  account and again I told them I have never even had a XXXX  account, so they agreed it was not mine, so I have sent them everything I know how, and its still on my report

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I have the XXXX Store Card since XX/XX/2015 ( approximately ). I have recently discovered that each month I have incurred a variable fee ( in relation to account balance ) from " XXXX XXXX XXXX. '' Evidently this is a service that can be added to the account so that in the event of job loss, or other significant financial event, the account will be protected from going into default. 

I did not request or authorize this service to be added to my account. 

I have reached out to this company at XXXX on numerous occasions. I have been told that I authorized this service when I opened my account. This is absolutely incorrect. I have asked repeatedly that the company provide documentation to substantiate this claim - they have not been willing or able to provide any proof.

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 2023-11-05
Company: Credit Karma, LLC
State: CA
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:
I got my social security number in XX/XX/2023. I try to login to XXXX XXXX and my information in XXXX XXXX said that it did not belong to me, I tried to open an account in XXXX XXXX but I couldn't open it. I think someone else is using my social number, I need my social to work and build my credit. I can submit proof of my social and my driver 's license.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: Chime Financial Inc
State: GA
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 filed a dispute on XX/XX/XXXX for charges totaling XXXX and was given case number XXXX. I told chime these charges were fraudulent and that I was at work at the time these charges were made. I even called chime a day before the charge occurred to let them know my account had been compromised and they said they would cancel my card and send me out a new one. They did not cancel my card like they should have and that is when the fraudulent charges occurred. Ive filed 5 rebuttals and they keep denying my claim saying no fraud occurred. When I asked for the proof they used to come to the denial and they wont show me the proof all they keep sending me is the same documentation I sent them and then the claim form which is not providing me a valid reason as to why they denied my claim. These charges are fraudulent and I would like my money refunded as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
on XX/XX/2020 i sent a dispute letter about personal information that is inaccurate on my credit report. I still havent gotten a response but an inquiry was added to my 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
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
1.XXXX, XXXX, XXXX, XX/XX/2019 payments were reported in the payment section but the loan amount remains the same. 
Transunion, XXXX, XXXX and XXXX XXXX XXXX XXXX were made aware of this and never corrected this, in violation of FCRA LAW. 
2. XXXX XXXX XXXX is being reported on my credit report and not the official name of the credit union. Credit Bureaus have not delete this innacurate account. 
3. Monthly Payment amount missing from 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
Consumer complaint received 2023-11-07
Company: 1st Franklin Financial Corporation
State: AL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Came home XXXX and was given legal paperwork from a completely different company from loan. Account was never sent to collection. I would assume this was company sale. Never received anything from XXXX XXXX XXXX about this transaction. I received paperwork from court in reference first Franklin financial which I never signed a contract with. Which proceeded to run my credit on there behalf with my signature it was ran off the XXXX XXXX  application. This was filed in XXXX XXXX al XXXXalsley. Using in proper paperwork to file a civil action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Experian Information Solutions Inc.
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:
XXXX Dear CFPB, I have tried to work with Experian about the credit information they have complied of me. They are reporting inaccurate information about me to others. 
After receiving a report from the credit bureau, I mailed them a credit dispute shortly thereafter on XX/XX/XXXX, XXXXthat enumerated various errors and inaccuracies that I found in the report. I included copies of my identification information in that mail request. 

I did receive acknowledgment correspondence of that dispute request ; however, after pulling a new report from themI still see items that are inaccurately reflecting on my credit report with them. 

I have attached the most recent report I could get, in this complaint, of all the issues I found of my credit report. They are reporting inaccurate information of me to others. 
Experian is causing me great harm. 

I would like for them to reinvestigate these items being disputed, have them collect the names of the specific people that are verifying this information to be accurate and provide me the supporting documentation of that claim that shows those are items are in fact mine. 

Any business can create invoices for any amounts they would like and make a claim that such amounts are owed to them ; as such, I demand strict proof to be provided in order for the disputed information to remain on my credit profile. 

Thank you, 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 2023-11-07
Company: JPMORGAN CHASE & CO.
State: TX
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:
A JPMCB credit card was open in my name with a {$1400.00} limit and a current balance of {$1300.00} that is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: NY
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:
I filed a dispute with Experian on XX/XX/2023 regarding a credit card account that was mistakenly added to my credit report. After their investigation, on XX/XX/2023, they retained the card account, which I do not recognize, with the claim that " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' Now, the financial behavior associated with this credit account, which belongs to someone else, has significantly impacted my credit score in a negative manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: EQUIFAX, 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:
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 : Account name : XXXX XXXX, XXXX Account name : XXXX XXXX, XXXX Account name : 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 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. I am trying to buy a home and this a defamation of my character. 

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 an 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. 

15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalidated credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
i wrote a dispute letter XX/XX/2020 about my inaccurate personal info with no response

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