BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-17
Company: Experian Information Solutions Inc.
State: MO
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 began trying to get my credit straightened out in XXXX of this year. I paid close attention, ( checking my credit daily ), to what was going on with my credit. In XXXX of 2020, I noticed an inquiry from XXXX XXXX, which I did not make. I sent notices to the three credit bureaus an XXXX XXXX. Around the end of XXXX I received a letter from XXXX XXXX  that contained information on who to contact if the inquiry was truly not mine. Around XX/XX/XXXX, I contacted the fraud unit at XXXX XXXX  and they sent notices to the three credit bureaus. Two of the bureaus, XXXX XXXX and XXXX  immediately removed the inquiry from my report, but Experian as of this date has still not taken action to correct the information. As a matter of fact, my score with Experian has been slow to improve, as they appear to drag their feet when addressing issues that are pointed to them. When XXXX XXXX  notified the credit bureaus of the fraud, They did so by computer, so the information was there when it was transmitted.

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 2023-09-20
Company: Maximus Education, LLC dba Aidvantage
State: AZ
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:
Ive been attempting to pay off my student loans for the last two months. Every time Ive made a payment it will process and say it was accepted. However, a couple days later my account shows a payment reversal.

I've contacted my bank and they confirmed there are no issues with my bank account. I have enough funds to pay off my loans, but Aidvantage refuses to receive my payments. In the meantime, my loans are accruing interests, and the payoff amount keeps increasing. Ive attempted to contact
Aidvantave customer service NUMEROUS times but have never once gotten a person to talk to, even after being on hold for hours. Im just trying to pay off my student debt, but I am unable to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never got one letter stating I owed this amount to XXXX or any letters to say they were attempting to collect a debt they must not have my new address- so I called XXXX and they said I don't owe any money as well and I even have tracking numbers for the equipment that was already returned to XXXX Also, the equipment in question is at my current address under my wife 's name so once again -This is not a valid debt. The debt collection company also would call me at XXXX XXXX in the morning as I have been living in CA for work and then wouldn't state who they were and wanted me to provide personal information before they would disclose who they were and I did not feel comfortable doing so. They violated several laws with the way they called before XXXX XXXX and I'm concerned they are doing the same to others. they also called one time 14 times in a row before XXXX XXXX  My tracking numbers for the returned equipment are # XXXX XXXX  also gave me a ref # that proves I don't owe them any money its ref # 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 2020-07-17
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: Account information incorrect

Complaint:
PRIOR TO XX/XX/2020 MY FEDERAL STUDENT LOANS WERE $ 59K+ ON XX/XX/2020 STUDENT LOANS AMOUNT INCREASED BY {$63000.00} AND I AM NOT IN SCHOOL ANYMORE. THE TOTAL STUDENT LOANS ARE NOW TOTALING {$120.00}, XXXX AND THE NUMBER OF STUDENTS LOANS WENT FROM XXXX TO XXXX. THIS INFORMATION IS INCORRECT AS THE DEPARTMENT OF EDUCATION ONLY ALLOW A SPECIFIC AMOUNT IN STUDENT LOANS IN A LIFE TIME. I DONT KNOW HOW MY CREDIT REPORT COULD REFLECT AN INCREASE WHEN IM NOT IN SCHOOL AND WILL NOT BE ENROLLING IN SCHOOL. THIS IS AN ERROR AND SHOULD BE CORRECTED. MY STUDENT LOANS SHOULD BE {$0.00} DUE TO DISCHARGE OF MY STUDENT LOANS THROUGH TOTAL AND XXXX  XXXX DISCHARGE. INSTEAD OF REPORTING LOANS AS BEING PAID IN FULL, THEY DOUBLED IN AMOUNTS OWED.

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 2020-09-12
Company: Healthcare Receivables Group, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
EMAIL : XXXX MAIL : Healthcare Receivables Group, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX PHONE:XXXX ( toll-free ) or XXXX ( local ) HRG never ever reported ANY of the payments I made on my collection account which opened up well over 12 months! 
In addition, HRG illegally refreshed and reported the remaining balance of approx {$160.00} to my credit report on XX/XX/XXXX, which I paid off on XX/XX/XXXX ( approx {$170.00} ). The original account balance which opened up on my credit report approx 15 months ago, was unchanged from the {$1000.00}, which gave the deceitful appearance I never paid down my account monthly. 

You are in violation of illegal, inaccurate and willful neglect to accurately reflect the payments I made on this collection account over more than 12 months since the account opened, and you intentionally and in violation of Unfair, deceptive and abusive acts or practices ( UDAAP ) under the CFPB deceptively and unfairly refreshed and re-reported the debt on XX/XX/XXXX after having never reporting monthly updates to payments made on my account. This deceptive and willful unfair act caused harm and reduced my credit score over 58 points via XXXX. 

HRG needs to remove this inaccurate reporting on XX/XX/XXXX given these factors above. 
I am also going to start a complaint with the CFPB for your violation of FDCPA and UDAAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Experian Information Solutions Inc.
State: KS
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:
Twice in the last month, I've applied for things ( apartment as well as auto loan ) and my approval has been subject to conditional approval of district managers. While I don't have true detail, I was finally able to get one of the parties to tell me that it was due to a report of fraudulent activity from Summer 2019.

I have no idea what they're talking about and was unable to find anything within my Experian, XXXX, and XXXX  credit reports. This feels like a wild goose chase but I'm extremely nervous due to the fact I plan to begin applying for mortgages within the next month or two.

What can I do?

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 2020-09-12
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
PHH Loan number XXXX My mortgage payment is less than 10 % of our monthly income not to mention we could go liquid with assets over {>= $1,000,000}. 

Explain to me how my income is insufficient for the amount of credit requested? 

Im requesting all appraisals and other written valuations used in connection with my application. 

Im shocked that i was discouraged in applying for credit by your company after receiving federal public assistance from taking a short forbearance on my mortgage. As you know when we realized we could go back to work i paid my forbearance in full. 

The FTC states that our application should have been accepted our rejected within 30 days of filing our application.

Your company has damaged my credit score, by delaying our processing you have not acted in good faith and we have lost investment opportunities due to your delay in processing. 

if others have received credit from PHH mortgage with similar income, age than you have discriminated under the Equal Credit Opportunity Act. It is apparent that by delaying my application PHH Mortgage benefited by us having to pay a higher interest rate mortgage your company is presently serving. 

I will be reaching out to the Federal District court regarding Federal Trade Commission - Equal Credit Opportunity Act and to The State of Texas Attorney Generals office. 





From : XXXX XXXX XXXX, XXXX '' XXXX Subject : RE : PHH Loan number XXXX XXXX : XX/XX/2020 at XXXX XXXX  CDT To : 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 Good morning XXXX, The email youve received regarding the insurance policy was a mass email sent out by our Insurance Team that had our names prepopulated on it! 

This has already been updated and no further action regarding this is required. 

I apologies for the delay, I understand this process has been longer than we wanted. We truly appreciate all your time and cooperation. 

XXXX XXXX XXXX XXXX Loan Processor Toll Free : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: U.S. BANCORP
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 I submitted a request to US BANK for an alleged debt they reported on my credit report. They received this information request on XX/XX/2023 and as of today, XXXX I have not received any sort of correspondence pertaining to my request at all.

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 2022-12-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX XXXX later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report, it has been over XXXX XXXX so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX XXXX and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account # 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

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 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon checking my credit report and noticed multiple inquires on my credit report. When I started to read and learn about the Fair Credit Reporting Act, and it stated that a company needs a permissible purpose to pull someones credit report. Well I did not give the company below that permission. 



XXXX XXXX  XXXX XX/XX/XXXX : Account number : N/A, No permission was given. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, No permission was given. 

XXXX | XX/XX/XXXX : Account number : N/A, No permission was given. 

XXXX  | XX/XX/XXXX : Account number : N/A, No permission was given. 

XXXX | XX/XX/XXXX : Account number : N/A, No permission was given. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, No permission was given. 

XXXX  XXXX  | XX/XX/XXXX : Account number : N/A, No permission was given. 

XXXX  XXXX | XX/XX/XXXX : Account number : N/A, No permission was given. 

XXXX | XX/XX/XXXX : Account number : N/A, No permission was given. 



Letter to the furnisher have been sent as well asking them why they have pulled my credit report without my permission. Im waiting for their response. While waiting for them, Im asking you to honor the law and delete these inquires. 



Please correct

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 2019-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I recently got my three credit bureaus report online and after review my credit report there was no score attach to the file and there was a few errors on my credit file as well. I reach out the the credit bureaus about this issue but they were cooperative in helping me resolve these issues on my report. Rather they recommend me to call the creditors myself, in which I did and they told me for all the errors that I saw on my credit file they have reported the correct information to the credit bureaus 60 days ago.

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 2020-07-17
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: Public record information inaccurate

Complaint:
A previous complaint ( # XXXX ) was filed about this item and the complaint closed. At this time, I will provide information that the agency COULD NOT have received any information from the 3rd party they requested information regarding the bankruptcy which they have in my credit file. The 3rd party vendor the agency requested information from has " suppressed '' public records since XX/XX/2019. Therefore, it is erroneous of the agency to state this is how they received information about a bankruptcy which they have listed in my credit file. The agency has provided false/inaccurate information in my credit file, which is a violation of the FCRA. And is also punishable by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
1- withdrew {$20.00} 2- went to redeposit {$20.00} 3- atm could not process the transaction AND DID NOT PRINT RECEIPT OR RETURN {$20.00}. 4- approached branch and they stated they would put a claim in but never did. 5- asked for manager to meet me at machine- waited 30 minutes no manager. Branch did Nada, Zero nothing. Called Regions help allegedly agent opened compliant- checked on line and entered secured message 6- Opened complaint with regulatory agency! 7- Did followup Friday. NO secure messages, no redeposit of funds, nothing on file or in notes from them. 7- Allegedly all calls recorded and monitored NOTHING another LIE! 8- opened 3 new secure messages. 8 Allegedly agent opened another inquiry wait another 3 days more. Stated all calls recorded. Now ATM an agent of theirs dispensing or receiving deposits. Customers are at the mercy of the machine. In my opinion nothing from you or them. I expect nothing because this is a scheme. However, if you are the honorable company and organization you claim to be I expect my {$20.00} back. This is elderly abuse at its max since they infer I am the thief! 14 Regions XXXX XXXX {$20.00} {$380.00}

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 2023-05-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I kindly request that you update my account as soon as possible to reflect the correct information

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 2020-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I had an issue with Capital One, whom I been banking with for over 12 years. I have never in my life ever been late on any payment with any bank. On XX/XX/XXXX I had called Capital One to be put into the COVID deferment program, as I did with all my other banks due to hardship in income. I trusted the agent or agents I spoke with regarding the COVID deferment program. I was supposed to be extended to not pay my XX/XX/XXXX or XX/XX/XXXX statement. I had spoken with several agents to verify this information. 

On the XX/XX/XXXXof every month is when my payment is due. On XX/XX/XXXX I called and spoke with an agent as she said my account was outstanding. I explained that I'm on the COVID deferment program and did not have to pay until XX/XX/XXXX. She then on her system extended and it will not affect my credit as I was on the COVID assistance deferment, it will reset my statement due date. So I do not pay XX/XX/XXXX statement and when I check my account in the first week of XX/XX/XXXX, I noticed I was charged another late fee! I putting my faith and trust into this agent and I see 2 late fees one for XX/XX/XXXX and one for XX/XX/XXXX, thinking I had COVID assistance program cover me for these 2 months. I check my credit report and Capital One reported this misinformation and ruined my credit by over 60 points negatively impacted! Not only this but this was also my business credit card, which impacted as well my business area! 

I spoke a supervisor, named XXXX with her employee ID : XXXX. She promised me with a solution and an investigation. Case Number -  XXXX. She waived one late fee of {$39.00}, but have yet to receive my other late fee waived for month of XX/XX/XXXX as well. I have yet to hear any resolution and I'm on the verge of receiving my business loan from SBA and this negative impact has caused me to be rejected as well! I'm very disappointed with Capital One, as a consumer putting my trust in this company with long standing positive and 100 % on time payments with this company and thus ruining my credit, not only personal but also my business credit and in these hard times ruining my chances to receive my SBA loan! I demand this to be corrected as this will ruin my relationship with Capital One for falsely negatively reporting my account when I was on the COVID assistance program putting my faith in this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-17
Company: Experian Information Solutions Inc.
State: OH
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 my 3rd complaint after not getting results. After the 1st complaint, CRA 's claim a thorough investigation was done. I do not see how with some many inaccuracies still listed. Date opened, Date last reported, addresses that never belonged to me, duplicate accounts reporting more than once that shouldn't be there at all.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. 
after my second complaint was told I did not present enough evidence. It was hard with XXXX XXXX  from a car accident that I wouldn't of been in if my report was fixed and I didn't have to buy a used {$1200.00} car with bald tires. It is ridiculous the responsibility these companies have and do not take seriously. They ruin lives. People must find time in their busy lives to go after the CRA for not following laws. 
While trying to upload my credit report I marked violations on it as too large of a file. But every I want to print my report I have to print 50-60 pages and it's still hard to read. Probably a purposely done deterrent. I had to separate my credit into 6 different scans so files weren't to big. Ridiculous!

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 2018-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I have recently disputed inquiries that I did authorize to have check my credit report. I have ask that these items be removed from my credit file because I hadn't authorized them, and they still remain on my file.

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