BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was in a 6 month deferment on my student loans, and halfway through the deferment, I started to see late payments being reported on my credit. I worked with XXXX for 1 year to try and get this corrected, and they would not correct it. They denied that my deferment was effective even though I paperwork to prove that it was. I was granted an economic hardship deferment covering the period in which I was supposed to be paying, according to them. Eventually, even though they admitted I was in deferment, they won't correct my missing payment information. So basically, they were supposed to have me in deferment but on accident did, then they corrected it and made it effective retro-actively.

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 2020-01-06
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: Their investigation did not fix an error on your report

Complaint:
I was in a 6 month deferment on my student loans, and halfway through the deferment, I started to see late payments being reported on my credit. I worked with XXXX for 1 year to try and get this corrected, and they would not correct it. They denied that my deferment was effective even though I paperwork to prove that it was. I was granted an economic hardship deferment covering the period in which I was supposed to be paying, according to them. Eventually, even though they admitted I was in deferment, they won't correct my missing payment information. So basically, they were supposed to have me in deferment but on accident did, then they corrected it and made it effective retro-actively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
SINCE XX/XX/2018 I HAVE BEEN DISPUTING THIS BANKRUPTCY SOMEONE USE MY INFORMATION. I HAD NEVER HAD ANY ACCOUNT ASSOCIATED WITH BANKRUPTCY PUBLIC RECORD. I THE BUREAU ASKED THEM FOR METHOD OF VERIFICATION WHICH THEY FAILED TO DO. I FILED SEVERAL COMPLAINTS. XXXX XXXX REMOVED THE REMARK AND BLOCKED AND SENT CORRESPONDENCES TO THE BUREAU RECENTLY XXXX XXXX DISPUTED IT AGAIN AND ASK THEM TO REMOVE IT THIS INFORMATION REPORTING ACCORDING TO THE LETTER I RECIEVED FROM THE COURT ABOUT THIS CORRESPONDANCE IS COMING FROM XXXX A THIRD PARTY VERIFICATION. I HAVE ASKED FOR THE PROCEDURES BECAUSE MY RIGHTS UNDER THE FCRA 611 FCRA 605 B, AND FCRA616 HAVE BEEN VIOLATED. I HAVE ALSO ASKED TO PRODUCE ANY ACCOUNT I MAY HAVE HAD ASSOCIATED WITH BANKRUPTCY THEY HAVE FAILED TO DO THAT

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 2022-10-07
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: Need information about your loan balance or loan terms

Complaint:
I called Aidvantage 's customer support on XX/XX/XXXX around XXXX XXXX  EDT in order to initiate a refund of {$20000.00} on multiple fully paid loans. 

I have 5 loans that added up to a total of {$23000.00}, which I paid off all around XX/XX/XXXX. 

The representative ( XXXX XXXX was able to assist and confirmed the request has been submitted and that it must be approved by a manager. Since none of my 5 loans add up to {$20000.00} exactly, he was able to request a partial refund on one of the loans while a full refund on the rest.

He also told me that the refund request will be approved and processed by XX/XX/XXXX and that my balance will be reinstated and reflected on Aidvantage and Federal Student Aid. 

By XX/XX/XXXX, I did not see any actions on either my Aidvantage or Federal Student Aid account and called customer support around XXXXXXXX XXXX EDT. The representative XXXX XXXX XXXX was able to confirm that my refund was approved for {$20000.00} and that I need to wait an additional 2 to 4 weeks for the request to be processed. 

After waiting another 5 weeks, I have yet to see any actions on my accounts. Students who called later than me have gotten their loans reinstated and refund deposited in their bank account, while my refund request is either still being processed or on hold. 

Aidvantage do not provide any system of correspondence in place that let people know what is happening with their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: ONLINE Information Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I HAVE CONTACTED THIS DEBT COLLECTOR, AND THEY ARE STATING THIS DEBT IS MINE WHICH IN FACT IT IS NOT MINE, I DONT EVEN KNOW WHO THIS COMPANY IS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 non-monetary relief
Consumer complaint received 2021-06-09
Company: TD BANK US HOLDING COMPANY
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:
My credit was damaged by a delinquent payment was due to a company error by incompetence, not a missed payment by me. 
Explanation : I often had trouble logging into the company website to make payments. Every month the system did not recognize my password and it would make me create a new one. In XXXX of 2020 I was not able to log into my account ( as usual ) to make a payment so I called to make the payment by phone. I also asked to Cancel my card due to the inconvenience. I was told during this call that I could go into the store to pay it, but this was not convenient at the time. I requested to pay it by phone and thought that it was taken care of. I requested a Cancellation confirmation, but never received one. 
The following month I received an email that my payment was due. I called to ask why I was receiving the email because I had closed my account. I was told that my account was not closed because I had a balance that was not paid off. ( Their report shows a balance of {$8.00} that was added to my account AFTER I closed it. ) I attempted to resolve this and once again requested a confirmation that my account would be closed. 
The following month I received another email about a pending balance on the account. By this point I was very upset and requested to speak to a manager to resolve any pending balances and close the account immediately and provide immediate confirmation of closure. 
The balances that I was accused of owing and missing payment were added to my account AFTER I had paid and requested for it to be closed. I had to call multiple times to get this resolved as several people failed to properly apply my final payment and close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I ordered a withdrawal of XXXX euros from my coinbase wallet to my bank account onXX/XX/XXXXand at nowdays I have n't seen that money. Of course I tried several times to contact the support but just automatically reply. My case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: BARCLAYS BANK DELAWARE
State: NC
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 called Barclay Bank and told them that i did not do that inquiry for a credit card and asked them to remove it asap and they sad no.

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 2022-01-26
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
im writing this complaint to to address PORTFOLIO RECOVERY to collect an alleged debt owed by me. This company has obtained my personal identification under false pretenses. I received a XXXX complaint that this account would be removed within 30 days. it has been over 90 days. this debt is damaging my credit report. PORTFOLIO RECOVERY is a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.PORTFOLIO RECOVERY has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b.Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On Saturday, XX/XX/XXXX I got a notification from my bank that my account went into overdraft. I was charged fees on top of the overdraft. I checked my account to see what caused the overdraft. To my dismay, it was a auto debit check from my private loan from Navient charging me about {$440.00}. My normal payment on the XX/XX/XXXX is around {$270.00}. I was confused and angry but could not speak with the company because they were closed on the weekends. Monday morning around XXXX XXXX I called the company regarding the matter. I told them that I was not notified of a payment increase or a change in my rate reduction program. The person on the phone name was XXXX and she was very rude. She argued and told me I signed up for this and they are allowed to debit whatever amount. I was trying to explain to her that I was not notified, but she said well it was taken out of your account since last month. When she told me that I checked my account and saw that she was right. About {$440.00} was taken out automatically by check and then for some reason I paired them {$270.00} on top of it. Because she was SO rude I asked to speak with someone else. This person, XXXX, wasnt AS rude but she was not empathetic either. I asked her if I was notified that there would be a change in my payments. She said yes and told me to hold on and it took her almost 2 minutes to look. She stated she couldnt see when I was notified by it should be in my statement. I asked her how am I supposed to know when my rate reduction program ends without notification from the company? I also was confused because I did receive an email from Navient stating my program was ending XX/XX/ and my payments would be increased in XX/XX/. I submitted an updated financial statement and e-signed it. I never received a call back from Navient about that. I did not receive any notification notifying me of an increase starting in XX/XX/XXXX. She claims one of my loans ended in XX/XX/XXXX but couldnt explain to me when would one end and not the other when I signed up for the rate reduction program and the same time ( I think in XX/XX/XXXX ). I also asked her to take me off of auto debit because of this matter. She never notified me that I would be charged {$23.00} to end auto debit. This company is not professional at all and I wish I never signed up when starting college.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The billing information the company had was incorrect. Theyre falsely reporting late on my credit report. I have tried repeatedly to resolve this with them and they are in non compliance with the federal trade commission. They are brushing me off saying I am sending frivolous letters. Theyve charged me late fees and finance charges and continue to damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: EQUIFAX, INC.
State: AL
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:
From XXXX thru XXXX of 2021, I filed a dispute with Equifax about the unverified and inaccurately reported collection account DESIGNED RECEIVABLE Account # : XXXX. In these few months, I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureaus in several months.after numerous attempts. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this inaccurate account as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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 belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these items : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX PA ) XXXX Balance : {$170.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$110.00} Medical XXXX Balance : {$300.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$100.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$600.00} Medical XXXX Balance : {$490.00} Medical XXXX Balance : {$850.00} Medical XXXX Balance : {$2100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2020-01-07
Company: EQUIFAX, INC.
State: LA
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:
A letter was sent to Equifax disputing an erroneous reporting. In the letter it was stated and proof was provided that the other two credit reporting bureaus, XXXX and XXXX are not showing as well as XXXX XXXX. Equifax failed to correctly validate the matter and continue to report false information. The investigation results they say they received as accurate was from XXXX XXXX. I have attached the XXXX XXXX report showing that there is no bankruptcy being reported by them yet Equifax somehow is showing XXXX XXXX as verifying this information. This is erroneous information and false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT, my complaint is in regards to an adverse action that was taken against me as a consumer by Barclays. I already tried to fix this problem with them. They contacted me XXXX time in regards to this and has not contacted me since even tho I have tried to reach out to the representative who contacted me by the name of XXXX XXXX. THIS WAS BACK IN XXXX! on XX/XX/21was the last time they contacted me in regards to rectifying this situation. 

Recently, I, XXXX XXXX, was denied an extension of credit by BARCLAYS. On XXXX XX/XX/2021I submitted credit card application, I applied for XXXX XXXX XXXX XXXX. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. 

Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Barclays has violated my federally protected consumer rights : 15 U.S Code 1642 15 U.S Code 1681M 12 CFR 1002

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 2022-12-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX has done it again. and wonder why I have to furiously dispute as they claim which is ilegalc cause even after almost 6 years has passed and they are still reporting inaccurate, inconsistent, and unfair data to my credit files! Why and how have they gone this far and not been imprisoned for their actions that are absolutely illegal. our oldest dare and these yet is such XXXX XXXX we shall see when the XXXX has all the facts. Guess what yall?! More violations from the the XXXX XXXX stemmed. ll, Violation # XXXX Improper and inconsistent first date of delinquency does not match! So ah XXXX one is wrong or right?! Lets look a their bogus bill and see! 

Violation # XXXX How can the first day of delinquency br on the same day the services were provided? So they are all wrong - these clown cant seem to get it right after all these disputes! its their bills that probe its all wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDIT COLL has been reporting a collection on my account in the amount of {$750.00} The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I hope your day is going well, but I need your help. I noticed the following issues with this account on my credit report. I did not authorize nor know anything bout this account listed. These are fraudalent accounts. i know my rights. this is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation