BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
Company: Maximus Education, LLC dba Aidvantage
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: Account information incorrect

Complaint:
XX/XX/2022, I recently had to transfer my student loans to a new company called Aidvantage, because XXXX said they will no longer be handling Federal student loan repayments. Ever since I transferred my student Federal loans I've been paying on them Aidvantage has not been putting accurate information on my credit score, they've even increased my loan amount, which caused my credit score to go down. I called Aidvantage to complain about my account having incorrect information reporting to my credit score and everytime I'm waiting to talk to an agent it says my call has been rejected. I've also tried login into my Aidvantage account online and after I enter my correct username and password it still wont show my account information, it just shows a blank screen, and they have not put out system will be down warnings, so it should work. Hopefully the inaccurate student loan information has nothing to do with me recently applying for a house and recently being preapproved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: EQUIFAX, INC.
State: MN
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 do not owe the Minnesota Department Child Support Division of XXXX  County. 
I spoke with the Child Support Officer : XXXX XXXX at lenghth. Also, she gave me proof of ths that the case is closed and there are no arrears. My child mother also got a copy and supported the decsion as well. This is not accurate, therefore this should be remove. Please honor the Fereral Trade Commission guildlines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
HRRG collection agency calls my phone repeatedly. 8-10 calls a day. They called me at XXXX a few days ago. I already spoke with them and explained my child had insurance and the hospital failed to bill correctly. To stop calling. The calls are all day and evening. They always call from a different number so I can block the calls. Its getting out of control. So far today they have called 10 times. Its XXXX. The calls started and XXXX. They will probably call and 5-6 times. Sometime they call back to back.

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 2020-02-24
Company: The Outsource Group, Inc
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company has not sent a validation or verification of this debt, which was disputed previously and is noted 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
Consumer complaint received 2017-09-28
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Please See : Complaint XXXX, Equifax 's response did not address my initial complaint! 

It 's simple Equifax ... make my free annual credit report available online!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: Experian Information Solutions Inc.
State: DC
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:
This account has been paid for month. They mark it as paid but the balance is still XXXX. It needs to be XXXX and removed from my credit report as agreed.

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 2021-06-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2021, I received an email from Synchrony Bank, with the subject Your PayPal Mastercard Statement from Synchrony Bank is Available Online stating that my statement was ready for review. I wanted to check the account balance and make changes to my monthly payments, when I clicked on the link in the email, it directed me to my PayPal account, and nowhere on that site I could find my credit card statement or account information on PayPal Cashback Mastercard issued by Synchrony bank. 
On XX/XX/2021, I called the number on the back of the card : XXXX to find out why I can not access my credit card statement and information. I was greeted with a menu and a request to enter my credit card number. It informed me of my account balance and of the payment made. I requested a live customer service agent, who could not help me and sent me to another agent who also could not help me, and that agent sent me to another who could not help me. I was going around in circles, on a loop with customer service people who could not answer my question or help me. I was then sent back to the initial menu. I called back and the same loop process began. I called and complained about not receiving a proper answer to my request, and the customer service agent hung up on me. 
On XX/XX/2021, I contacted PayPal online on its robot customer service to request access to my credit card statement and information. I talked with a chat robot which did not resolve my issue. 
My last access to my account was via Synchrony bank, in XX/XX/2021 or before that ( but I am not sure of the exact date ), when I was able to set auto-pay for the minimum payment due. 
Both Synchrony and PayPal are in direct violation of clause 14 of their CARDHOLDER AGREEMENT PAYPAL CASH MASTERCARD : " 14. Right to Receipts and Periodic Statements. You should get a receipt at the time you make a transaction with the Card. You have the right to receive an account statement showing your PayPal activity, including a record of transactions made using the Card. You may view your PayPal statement by logging into your PayPal account at https : //www.paypal.com/us/signin. ''

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 2017-09-28
Company: Experian Information Solutions Inc.
State: NE
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:
BELOW IS A LIST OF COMPANIES EXPERIAN CREDIT PROVIDED MY CREDIT REPORT TO WITHOUT MY CONSENT THESE COMPANIES HAVE NO CURRENT ACCOUNTS WITH ME AND I HAVE NOT REQUESTED CREDIT FROM THEM. I HAVE ASKED FOR THEM TO VALIDATE THESE INQUIRES AND TO SEND ME THE PROOF FOR ME TO HAVE. THEY REFUSE TO DO ANYTHING BUT PUSH ME OFF. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: EQUIFAX, INC.
State: DC
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:
This account attached has been paid for months. The status has been updated on XXXX and XXXX but not equifax. The company agreed to remove once paid and it is not even showing paid. I would like for this to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XX/XX/2020, a collection item for {$2100.00} from a company, XXXX XXXX XXXX, appeared on my TransUnion credit report. I contacted both TransUnion and XXXX XXXX XXXX to get details of the collection item, but neither would provide any substantiating proof that this is related to me. Somewhere it indicated that the issue may be related to my XXXX accounts, but I checked with XXXX and all my accounts are current and no outstanding issues. 

Other reporting agencies do not show this item. 

TransUnion put a remark on the report that the issues is disputed by the consumer, but since it meets FCRA requirements they're not removing it. 

XXXX XXXX XXXX never responded to my request. 

I don't know who else to ask for assistance. Not sure hiring a lawyer is a correct course of action since the disputed amount is relatively small. 

I would appreciate if you can provide any assistance or course action that I can pursue to remove this item from my report. 

Sincerely, 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 2022-08-05
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Equifax XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: Bread Financial Holdings, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
file number XXXX on XXXX i submitted a complaint on this inaccurate amount comenity bank alleges i charged on this account in the amount of XXXX this information is reporting twice on my credit reports first by comenity bank and second by XXXX XXXX, it has been 30 days since this action was taken EFFECTIVE IMMEDIATLEY I AM DEMANDING THAT BOTH THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORTS FOR IN ACCURATE INFORMATION, AND BY NOT COMPLING WITHIN THE RESPONSE TIME OF 30 DAYS BY LAW! PLEASE DELETE THIS INFORMATION AT ONCE. 
THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got notice my credit score dropped. Looking at my report this collection company posted 2 different remarks on my report. I notice the original debtor is a medical facility that I have never been at. Furthermore, I have always had insurance and there would not be a medical debt on my credit report. This is not my debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
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: Public record information inaccurate

Complaint:
The XXXX XXXX XXXX XXXX is reporting a lien on my XXXX and Transunion credit reports. I went on the XXXX XXXX XXXX XXXX 's website and searched my last name to see if it was any information, there isnt.

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 2019-07-16
Company: General Motors Financial Company, Inc.
State: MO
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:
We purchased a vehicle in XXXX from XXXX XXXX, who contacted GM Financial for funding. We were denied credit through GM because of a report from XXXX , XXXX, a credit reporting company we have never heard of. Our credit scores with XXXX, and XXXX are all in the 700 's, and feel something is wrong when a company people have never heard of are able to report things. Also, we were approved for our loan by another company, and it has taken GM over two months to send us any notification.Have been told by others GM approves only wealthy people. GM needs to be stopped from using a company that people have not heard of for credit scores, to deny credit. I wonder how much they pay this unknown company to report this stuff. XXXX needs to be shut down for giving credit reports that are not only way below others, but have no business reporting untrue facts. I urge anyone who has been denied credit by any company, and XXXX to file reports with The Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: JPMORGAN CHASE & CO.
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: Investigation took more than 30 days

Complaint:
I filed a dispute with XXXX in regard to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-13
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute on a late payment due to COVID-19 I lost my job. I have contacted XXXX serval times to deal with this matter. There is an incorrect error on my credit report saying I have had one late payment in XX/XX/2021. According to my payment history I have never missed a payment on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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 reporting act, XXXX XXXX  account number XXXX, has violated my rights. 

15 USC 1681, Section 602 states I have the right to privacy 15 USC 1681, Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date

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 2017-07-06
Company: EQUIFAX, INC.
State: MT
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:
Re : Account Number : XXXX EQUIFAX REFUSAL TO BLOCK FALSE CREDIT REPORTING INFORMATION FROM CREDIT REPORT AFTER IDENTITY THEFT XXXX SENT TO THEM XX/XX/XXXX AND XX/XX/XXXX To Management : I filed an Identity Theft XXXX ( complete with Police Report ) and sent a copy to the Equifax onXX/XX/XXXX. I also sent a follow up on XX/XX/XXXX requesting they block the following information, the subject of the Identity Theft XXXX : XXXX XXXX XXXX ( allegedly ) Date Assigned : XX/XX/XXXX ( allegedly ) Account Number : XXXX ( allegedly ) Creditor Name : XXXX XXXX XXXX XXXX ( allegedly ) All of the required documents were included in the Block request which was sent to Equifax, including A copy of the page from my Equifax credit report, Confirmation # XXXX, with the fraudulent items circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. <P/>I also informed them that it is illegal for them to continue to report the information when an Identity Theft XXXX ( and filed with a law enforcement officer ) has been provided along with a request to block the information. <P/>Since the consumer did not have a contractual, commercial relationship with the XXXX system and Equifax, Equifax can not accurately transmit information about the consumer ( XXXX XXXX ) concerning this alleged account belonging to her allegedly. Any inaccurate reporting is a violation of the consumers Privacy rights. The XXXX  Terms and Conditions state that the information reported must be accurately and completely reported. <P/>Equifax has no way of proving that the consumer ( XXXX XXXX ) was ever extended any credit creating a debt ( as defined in 15 USC 1692a 803. Definitions ) by XXXX XXXX XXXX, and therefore is violating the law when they report inacurate and incomplete information via the XXXX system, especially by refusing the block the inaccurate and false information when an Identity Theft XXXX and subsequent Block request were provided to them in full. <P/>Be advised that this complaint ( and Identity Theft XXXX filed ) is specifically related to Account Number : XXXX NOTE : CFPB is only authorized to utilize my credit report ONLY for the purposes of investigating this complaint, and for the above referenced alleged account only. This consent expires 60 days from the date this Complaint is submitted. <P/>I REQUIRE A COPY OF THE CREDIT REPORT OBTAINED BY CFPB FROM EQUIFAX TO BE SENT TO ME AT THE FOLLOWING EMAIL ADDRESS : XXXX With Reservation of Rights, Without Recourse : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: Credit Wise Recovery Solution LLC
State: OH
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:
XXXX  XXXX XXXX did a credit inquiry on XX/XX/2021. I did not authorize this. I do not have an account or credit with them. I did not apply for a credit card with them. The inquiry impacted my XXXX  credit score and dropped my points because of the inquiry.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-28
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was issued a check that was not signed by the issuer, I was told this will need to be reviewed before they can clear my account. After 7 days, I was told the review processed was over, but they put my account on hold. I needed the fund in that account to close on a Mortgage, I spoke to various people at Chase I was told they needed to speak with the person who issued the check. I provided all the person 's contact information including the phone number listed on the check that was deposited. Chase had told me that they can not use that person 's information because it didnt match their system. The check issuer called and was told her PERSONAL information is not accurate ( she provided all sorts of supporting documents including her license and her correct phone number that she has been using for well over 20 years ). I escalated this issue and spoke with XXXX XXXX ( Supervisor ) from the Chase Fraud department was very unhelpful. He hung up on me after asking to speak with his superior. I am at risk of losing my deposit on this house if i cant close due to insufficient fund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Ad Astra Recovery Services Inc
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed for Chapter XXXX in XX/XX/2018 and the debt that was owed to XXXX XXXX was included in my case, XXXX # XXXX. XXXX XXXX did not send a representative to the Meeting of the Creditors and I was granted a XXXX in XX/XX/2018. Earlier today I received notification from XXXX XXXX that a collection was added to my credit report in the amount of {$560.00}.

Company response to consumer: Closed with explanation