BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: DE
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 13 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
( I want to Change this COMPLAINT TO A NEW COMPLAINT NUMBER ) Due to the FACT of the NEW ISSUE THAT HAS TAKEN PLACE THAT INCLUDE HUD NOT FILING NEW RETALIATION CLAIM WHERE CARRINGTON ACTUALLY PUT HOUSE IN FORECLOSURE XX/XX/XXXX and they gave me a old CLAIM NUMBER that was already close in XXXX. 

( This also should be change to new Claim Number ) because Carrington REFUSE TO ACKNOWLEDGE XXXX XXXX XXXX XXXX XXXX DOCUMENTS that was submitted to her to ANSWER. The Documents was 29 Question to ANSWER THAT is in REFERENCE to this CASE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: MO
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: Other problem getting your report or credit score

Complaint:
Credit companies show that I am reported as a deceased person I have no fico score

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 2023-12-13
Company: SYNCHRONY FINANCIAL
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This is an issue about Synchrony Pay Later service. I received a refund from a merchant on XX/XX/2023. I contacted Synchrony and they informed me they had record of the refund. On XXXX XXXX I received a letter stating my account had been corrected and to contact them regarding receiving the money. I was told a check had been sent. When I hadn't received by XX/XX/XXXX I called again they said " so sorry, we'll cancel that check and send another '' It still hasn't arrived and I received another letter saying I needed to contact the refunding merchant. I called toady XXXX XXXX and was told there was no record of a check being sent. Supposedly there will be a check in the mail, again. As of today XXXX XXXX I have not received the refund due me.

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 2017-09-09
Company: EQUIFAX, INC.
State: CA
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:
My information was breached during the latest Equifax hack according to their own notification website. 

I have never provided information directly to Equifax and I believe it is wholly unfair that they have access to my information indirectly and are irresponsible with said information to the point that it was accessed by a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Maximus Education, LLC dba Aidvantage
State: NY
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:
On XX/XX/XXXX, I received an electronic communication from the US Department of Education, informing me that my student loans have been forgiven in full by the Biden-Harris Administration . This forgiveness is effective as of XX/XX/XXXX. 

This communication contains the following statement : If applicable, well process a refund for any payments made towards the loans listed above after the effective date of this forgiveness. 

My student loans servicer is Aidvantage. 

My student loans were enrolled in automatic payments with Aidvantage. As such, I continued making automatic payments towards my student loans, uninterrupted, until XX/XX/XXXX. 

My student loans account with Aidvantage shows a number of Payment Reversals which were applied to my student loans accounts between XX/XX/XXXX and XX/XX/XXXX. 

The total amount of these Payment Reversals is : USD {$3100.00}.

I have been trying to contact Aidvantage for the purpose of learning the meaning and status of these Payment Reversals. To my understanding, I am entitled to a refund in the amount of USD {$3100.00}. 

I have been unable to reach Aidvantage at their Customer Service phone number. 
They do not answer their phones. 

On XX/XX/XXXX, I contacted Aidvantage Customer Service via email, inquiring about the status of my Payment Reversals and the status of my student loans refund, if any is applicable. 

As of today, XX/XX/XXXX, I have not received an answer to my email inquiry. 

Also as of today, XX/XX/XXXX, I have not received a refund from Aidvantage. 

Attachments : - Printout of Aidvantage student loans account payments history, showing payment reversals applied as a result of the Biden-Harris Administration student loans forgiveness. 
- PDF printout of Aidvantage 's email acknowledgment of receipt of my written email about the status of my Payment Reversals and Refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT I HAVE NO KNOWLEDGE OF NEITHER HAVE I BENEFITED FROM ANY OF THESE FRAUDULENT ACCOUNTS OR 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 2023-12-13
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I've been receiving notifications from XXXX XXXX regarding the status of my properties, inquiring if they are vacant or abandoned. To clarify, these properties are not abandoned, and I am actively engaged in maintenance efforts. I urgently request XXXX XXXX to cease entering the homes, changing locks, and causing distress to my tenants. 

Despite previous requests, XXXX XXXX continues to issue notices, adversely affecting our ability to rent the properties and causing problems with existing tenants. It is imperative that these actions cease immediately. 

I want to emphasize that I am the owner of these properties and have been consistently making mortgage payments. Currently, all properties are undergoing remodeling, renovation, and repairs due to damages sustained during last year 's hurricanes ( 2022 ). These efforts have been funded out of pocket, as assistance from insurance companies and Mr. Cooper has not materialized. 

For your reference, the property in question is located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, with the loan number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I believe my personal information was stolen last year, and an unauthorized individual used my credit card information to make fraudulent charges. I want to emphasize that I did not make these charges, and I am determined to prove my innocence. 

I would like to request an investigation into the IP address and location from which these fraudulent charges originated. By identifying the source, we can gain valuable information that may help resolve this matter. It's important to note that I have always been responsible with my credit cards and have never failed to make payments in the past. 

I kindly request that the Bank of America thoroughly review this case and reconsider its decision to hold me responsible for these charges. I ask for the removal of the fraudulent charges from my credit card statement and the removal of any negative impact on my credit history associated with these charges. I am committed to working with you to resolve this issue promptly and fairly.

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 2022-01-07
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XXXX of 2019 I went to my local Compass Bank branch to open a Health Savings Account ( HSA account ). The account has been used solely for medical expenses and deposits into the account for the past 3+ years have been direct deposited, tax free into that account. Compass Bank was recently acquired by PNC Bank and I made the decision to close all of my accounts and change banks. Due to the nature of HSA accounts these funds can not be withdrawn without tax penalties. They need to be rolled over into the new HSA much like rolling over a 401 ( k ) account to avoid paying these penalties. I requested the account to be transferred by Compass prior to their transition to PNC. I was informed by the banker I spoke with that the account was inadvertently opened as a regular checking account and not as a HSA account. His suggestion was to wait until PNC took over and to address the situation with them. Since then I have worked relentlessly with PNC to have the account converted to an HSA account and to roll the money over to the new HSA with the new bank. PNC has been very unresponsive and difficult to work with to resolve this issue. After multiple phone calls and follow up they finally contacted me and acknowledged the mistake but told me that there was nothing they could do and for me to take it up with the IRS. The tax implications could result in thousands of dollars of tax liability for me personally for a mistake that was made when the account was originally opened. I have requested a copy of the recorded phone call transcripts and a letter from PNC that acknowledges the error for my records in case I need them in the future. I was told they could only provide them if they were subpoenaed and required to deliver them. I realize that PNC inherited a problem that was created by Compass Bank but that does not dissolve them for the responsibility to correct the problem. I have all the statements from the day the account opened and can verify the deposits into the account were all tax free, direct deposits from my employer and that all of the withdrawals from the account were for medical expenses. I was always under the impression that the account was an HSA account until the day I requested the roll over. I look forward to the CFPB 's response and cooperation. 

The records of the people I have spoken with at both Compass Bank and PNC Bank can be provided upon request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting 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 DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXXXXXX 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 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 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

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 2023-12-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2021-10-28
Company: CREDIT ACCEPTANCE CORPORATION
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I opened an auto loan with Credit Acceptance. I agreed to pay this loan through automatic withdrawal with my bank XXXX XXXX Checking Acct ending in # XXXX for the amount of {$410.00} that was always consistently deducted on the XXXX of each without any issues or problems until I called this company on XXXX XXXX to inquire about why my account was showing up as past due on my billing statement and in all 3 Credit Bureaus. This company confirmed that I was enrolled in the " automatic deduction program '' from my bank and informed me that it was a mistake/oversight on their part. The company updated my credit report in XX/XX/XXXX with confirming that auto loan was being paid on time and in good standing but they never went back in my credit report to delete the following inaccurate information that started back in XX/XX/XXXX : My credit report showed 30days past due during XX/XX/XXXX - XX/XX/XXXX ; 90days past due in XX/XX/XXXX ; XXXX past due during XX/XX/XXXX - XX/XX/XXXX ; XXXX past due in XX/XX/XXXX and 30days past due in XX/XX/XXXX. Please note that all of the above information is inaccurate and inconsistent with the fact that I had automatic withdrawal.

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 2021-10-28
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX and XXXX have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a Consumer, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas I of age of majority give this herein notice to all, I make solemn oath to the one and only Most High of creation and I depose the following facts, so be it, now present : Fact, 15 US CODE 1692 says It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. " Fact, Affiant is aware that CAVALRY is in violation of 15 USC 1692g Validation of Debts and has been unable to provide information regarding the original creditor and instead lists the original institution. XXXXavalry is also in violation of 15 U.S. Code 1692e-False or misleading representations and 15 U.S. Code 1692j - Furnishing certain deceptive forms by requesting payment for an alleged debt in a positive status as evidenced in the submitted documentation.

Additionally CAVALRY is in violation of 15 U.S. Code 1692b - Acquisition of location information by stating that a debt is owed. 

Pursuant to 15 U.S. Code 1692k - Civil liability which states ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or, CAVALRY is liable for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : 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 2017-07-02
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
NCB Management Service hounded me for months from XX/XX/XXXX to XX/XX/XXXX to pay an auto debt I defaulted on. After numerous attempts by NCB to collect the debt, I caved in and settled the debt for ~ {$1900.00} on XX/XX/XXXX under the impression they delete the negative trade line from my credit reports. I called and sent letters to them to remove the negative trade line from my credit reports with no luck. I spoke with an account manager and he wanted me to pay an additional {$700.00} for them to delete the information from my credit reports. I told the supervisor I 'm currently out of work and I could n't afford to pay more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have taken all necessary steps to dispute these inquiries. However, despite my efforts, these inquiries continue to be reported on my credit file. I request that you investigate this matter further and remove these erroneous inquiries from my credit file as soon as possible. I also demand that you provide me with a written confirmation of the removal of these inquiries from my credit file. Failure to comply with this request will result in legal action against you, as I will not tolerate any further damage to my creditworthiness.I think this was not intentionally done. Please delete these inquiries along with the date shown or delete this from my credit report. Eliminate these following inquiries, because I think the date might be wrong. Look into this information or I suggest you remove it from my credit file. The following inquiries needs to be removed immediately : 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 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
Company: SYNCHRONY FINANCIAL
State: MN
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 made a special payment of more than {$7000.00} to free up enough credit on my card to make a furniture purchase of approximately {$7000.00}. The payment was an authorized debit directly from my checking account. When I called Synchrony bank, I was told that the payment had cleared my bank, but their computer had put a hold on the available balance for nine days. As a result, I only have {$300.00} of available balance and any of the automated payments I have scheduled for this card that come and exceed the available balance will be rejected. Additionally, Synchrony bank was unwilling to increase my credit limit. Why is Synchrony bank allowed to make a hold on the payment for nine days when it has already cleared my bank?

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