BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: IL
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:
See the attached documents. WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE?

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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. I submitted my first complaint on XXXX XXXX XXXX secornd complaint on XXXX XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed ( XXXX Credit card with account # XXXX and XXXX : account # XXXX ). According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associate of the consumer reported on or with others with whom he acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 ( 7 ) states everything has to be 100 % Accurate. I have the credit report showing inaccurate. 
I believe that the information reported is incorrect and does not accurately reflect my credit history. I and requesting that you investigate and correct the errors as per my rights under the Fair Credit Reporting Act ( FCRA ). 
To support my dispute, I have enclosed copies of relevant documents such as my driver license and prove of address. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute.

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 2019-11-19
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I unfortunately underwent a series of financial hardships and when I called the student loan servicer to lower my monthly payments I was instead offered a forbearance which I agreed to not fully understanding that by doing so I will incur over {$200000.00} in additional debt to my already over {$200000.00} in student loans which I obtained in order to be able to attend loan school. I am currently experiencing extreme hardship as I have run out forbearance options and will spend the rest of my life repaying these student loans of over {$450000.00} while not being able to afford to purchase a home for myself and save for my children 's college and other expenses and come up unexpectedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Maximus Education, LLC dba Aidvantage
State: VA
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 having various ongoing issues with the Department of Education, my previous student loan provider was XXXX XXXX, then Navient and my new student loan provider Aidvantage. I have filed multiple complaints with the Department of Education and Navient regarding loans being listed on my account that does not belong to me as I had never ever attended these schools. The loans and schools listed are XXXX University which I received a settlement card and notice last year regarding fraud with this school and XXXX. Department of Education and Navient is refusing to remove and update these loans from my account accordingly. Aidvantage has taken over the loans from Navient as a result of their recent lawsuit. My other issue is that during the course of COVID-19 Navient & Aidvantage with regards to my student loans allowed my loans to accrue interest even though they were not supposed to during COVID-19 due to laws that were put in place as a result of this. During this time, I went from having a prior balance of {$180000.00} to now owing almost $ XXXX. I am a current student at XXXX XXXXy XXXX XXXX XXXX, and I have 3 classes remaining to complete my MBA degree according to the school I do have not enough money to finish as I have reached my aggregate limit despite having loans in that I accepted with the school in the amount of {$9100.00}. Every time I call or send an email no one responds, and I receive the runaround constantly to no avail. I have not worked for 25 months since COVID-19. I have no money to pay XXXX or the current balance that is listed on my account with XXXX that must be paid in full before I can even register for classes. The school is refusing to offer any type of assistance to me despite the fact that I have amazing grades and a 3.5 GPA. All the money they make off of students and they can not assist one student with any type of assistance? There is no money for us as students at the graduate level like it is for those at the XXXX level. My only recourse would be to file XXXX XXXX  XXXX XXXX which would wipe out all of my debts. XXXX told me to apply for the XXXX XXXX loan which is the only option I would have in order to complete my last 3 remaining classes however I have no income so therefore this is not an option either. If my student loan account is updated as it should be by removing the 2 schools that I did not attend, I would have more than enough money to finish my last 3 classes. I am only responsible for paying for the one class and then XXXX would be responsible for paying for my last 2 classes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: W&A Intermediate Co., LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Wakefield and associates just popped up in my credit. I have no knowledge of this debt. Never received documentation about this debt to properly dispute alleged debt. I dispute this debt. Please send over any ALL ORIGINAL WET SIGNATURE DOCUMENTATION for this alleged hospital debt. 

PLEASE ALSO SEND YOUR CONTRACT FOR ORIGINAL CREDITOR STATING THAT I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: National Credit Systems,Inc.
State: AR
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:
Starting on XXXX, I started to ask how they verified that the debt of National Credit Systems Inc is accurately reporting and send a second letter requesting the method of verification from the credit bureau on XXXX when i received a response from XXXX that it has been verified as accurate. The reason why I was requesting verification is that XXXX and XXXX could not verify the debt was valid, so these bureaus deleted it from my report. 15 U.S. Code 1681s what has been violated. XXXX has fail to supply me with anything bearing my signature to verify the debt of National Credit Systems Inc is mine. Having this information on my account is getting my credit denied for home loans and credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
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: Information belongs to someone else

Complaint:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of 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 explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: CA
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:
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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.

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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act. The list of account below has violated my privacy and confidentiality under 15 USC 1681. 

ACCOUNT NAME AND # XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 SECTION 602 A. States i have a right to privacy.

15 USC section 604 A section 2. it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 b more than seven years. 

In accordance with the FAIR CREDIT REPORTING ACT LAW the XXXX XXXX account needs to be removed ASAP.

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 2022-04-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX ending in # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-06-26
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a Citi mastercard ending in XXXX. 
There seems to be a scam charge from some XXXX fax every month for {$19.00} for almost 6 months. I am trying to get it fix. When i contact Citi and ask them to block that merchant - they can't. When i asked them to provide me that merchant address and phone # - Citi has no information. 
Citi just want to send me a new card - that is inconvenience for me. 
How come Citi has no information about this merchant? 
I also complained this to Washington Attorney general. I have already initiated dispute but i want something better to be done at Citi 's end.

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 2023-07-10
Company: Experian Information Solutions Inc.
State: CA
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:
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 U.S.C 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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.

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 2023-03-02
Company: EQUIFAX, INC.
State: CA
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX Balance - XXXX XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance {$320.00} XXXX XXXX XXXX Balance - Bankruptcy XXXX  XXXX XXXX on XX/XX/XXXX Reference number : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: The Outsource Group, Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
MediCredit was paid in XX/XX/XXXX on a medical debt. MediCredit was credit reporting the debt and during the conversation for payment of the debt, I requested that it be deleted from my credit report. Additionally, pursuant to the update to FCRA any paid or settled medical debt should be removed from the credit bureau, not just updated as paid.

Since the debt was paid, any reporting of the medical debt should be removed from being reported to any credit reporting agency pursuant to S. 3351 ( 115th ) : Medical Debt Relief Act of 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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:
This is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my initial compalint. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days.The initial thirty days for this dispute to be handled is passed. I have records showing my contact with you. I am requesting that my dispute is handled immediately and that the inaccurate item from my original request be updated. 

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 2022-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I applied for a loan with bank of America with an advertised rate of 3.29 % and as a platinum honors client I receive a 0.50 % discount. My credit is XXXX I am putting over 25 % down and have a loan value below the example presented on the BofA website. I was quoted at 3.59 % after the 0.50 % discount. That is 0.80 % higher than the advertised rate or 24.3 % higher than the advertised rate. This seems to be a case of false advertising. When I asked for a reason they would not provide it. All they would communicate is the rate is what the system determines. See below for the advertisement and the example.

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 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contact XXXX XXXX XX/XX/2019 and let them know I did not authorize this inquiry onto my credit.

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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
These inquiries on my credit report are fraudulent : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Please remove these fraudulent inquiries.

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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-15
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contact XXXX XXXX for this charge. They change my account number and charge for XXXX XXXX that are paying on a new account they open. 
I have a ticket number open with t mobile where are doing a investigation for this issue. 
The reference is : XXXX. 
Please contact XXXX XXXX and remove me from collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation