BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: Maximus Education, LLC dba Aidvantage
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Have have federal student loans and my load servicer is Aidvantage. I graduated college two months ago. I should still be in the six month grace period. However, Aidvantage set my payments to start less than one month after graduation. I called Federal student aid and they informed me that my status with them is in the six month post graduate deferment and that I would need to get in touch with Aidvantage. I have been trying to call them since the beginning of XXXX. I have waited well over an hour on hold multiple times and many times their phone system hung up on me. The one time I was able to get through to a customer service agent after I told them what was going on, they said One of your loans shows in deferment then they either hung up on me or their phone system cut us off. I have also sent emails to their customer service and have not heard anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX. XXXX Date Opened XXXX XXXX, 2016 Balance {$1600.00} and XXXX XXXX  XXXX. XXXX Date Opened XXXX XXXX, 2016 Balance {$270000.00}.

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 non-monetary relief
Consumer complaint received 2020-01-06
Company: Local Management, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Local XXXX XXXXs sent me a check and on XX/XX/XXXX I cashed it as soon as I cashed it the branch manager they're called me I was out work so it went to voicemail then called my husband right after then called my family relatives spoke with one of my relatives and told them I cashed 1 of their checks and should they be worried. Then continued to verify all my information with my relative wondering if the number I provided was correct even know it was the same number in the system for several years. I do not speak what this relative I was very embarrassed finding out that local financial told them that I cashed a check and wanted to know if they should be worried. I spoke with XXXX upper management and he did research and told me he sorry for the inconvenience and it won't happen again I was expecting more to take place on this. Then the branch manager called me today telling me I need to come in there and make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: General Motors Financial Company, Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/XXXX we went to the local XXXX dealership and looked at a new vehicle. On XX/XX/XXXX the dealer started the process for us to get financing. They go through GM Financial. On XX/XX/XXXX we purchased the vehicle and signed all of the loan documents for financing through GM Financial. 

On XX/XX/XXXX I refinanced my vehicle loan with another financial institution and GM Financial received my payoff as of XX/XX/XXXX. 

On XX/XX/XXXX my husband and I each received a denial letter for our application of credit from GM Financial. The letter was dated XX/XX/XXXX. The denial was in regards to the application from the local dealership and the credit score information was from XX/XX/XXXX. 

On XX/XX/XXXX my husband contacted GM Financial and after some back and forth was told that the letter was a mistake but then was cut off. 

On XX/XX/XXXX I attempted to contact GM Financial inquiring for the specific reasons for the denial. I waited on hold for 10 minutes and then eventually attempted the text option to inquire for my statement of reasons for the denial. After a half hour I was told I would be sent a Statement of Specific Reasons letter. 

My issue is we received a denial letter more than 30 days after a credit decision was to have been made and we weren't really denied, we got the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: American Coradius International LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received couple of letters from American Coradius International LLC saying i owe money to XXXX XXXX. I haven't used XXXX since 2010.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Specialized Loan Servicing Holdings LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 I received notice that my escrow account was short {$3900.00}. Which this does not seem to be accurate. I then received my new monthly mortgage statement showing my new monthly payment was doubled and starting on XX/XX/2021 my new payment going forward is to be $ XXXX.I did some investigating and I believe the escrow shortage has been grossly miscalculated. The Specialized Loan Servicing company that is handling my mortgage now will not pick up the phone and I have remained on hold for over 30 mins each time I call and can not get through to anyone. I need help as I can not afford this new payment amount.

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: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
CitiCards received a refund credit for XXXX XXXX XXXXn the amount of {$4100.00} on XX/XX/2022 from which they have paid off my balance and subsequent charges without my permission. My payment is not due for 2 weeks. When I called and requested them to transfer the credit to my CitiBank checking account that I pay my CitCard payments from I was informed that this was impossible and that the only option I had was to receive a check in 5 days in the mail. I asked for them to overnight my check and was told that this was not possible. 
If I owed CitiCards a balance I would be charged over 18 % interest as well as a late fee.

CitiCards has done this before and I have been told that this was their practice. The refund is my money, and CitiCards has no right as to what I want to do with it. I have looked at my agreement wit CitiCards and I do not see anything that says that any credit I receive is theirs to do with what they want. I consider this an act of conversion, and if this is their practice it should be changed.

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 2022-01-20
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to XXXX XXXX Several times in attempts to Inform them that this account is no mine. I didnt open an XXXX XXXX account. At the time it states that it was opened my credit wouldnt have allowed me to get a new credit card. 

Please have this account removed, it is hurting my credit substantially. I have disputed this several times with the credit bureaus and contacted the business as well to no avail. Also I have asked them to verify that this is me via Name, Phone number, ID etc and. Nothing. 

Please have this removed asap. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply valued and greatly appreciated.

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 2023-05-22
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am contacting you to request the deletion and removal of the accounts and information specified below from my consumer report. It is imperative that these accounts and information cease to be reported on my consumer report, as their presence constitutes a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist that you promptly and immediately delete and remove these accounts and information from my consumer report, as their presence on the report violates multiple laws. Please take immediate action to remove these accounts and information without delay.

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 2022-12-12
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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2023-01-24
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I usually always had an issue when a payment was processed and I had the funds in my account or there were too many fees coming out at one time which caused me to be in the negative multiple times to which the account XXXX XXXX up closing

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 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt pooped up on my credit report I have no knowledge of this debt. I need this removed from my credit report because it is affecting my ability to purchase a home for my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hi there, We have a business checking account with XXXX and just want to report a scam. We sent some funds to someone via Zelle and it turns out this person was not who they said they were : My boss saw an ad at XXXX for a golden retriever puppy in XX/XX/2019. She reached out to the " sellers '' to say she was interested in purchasing. Seller responded with some information on the puppy -- age, he has hip issues, amount for purchase. Seller said they were located in XXXX and could drive puppy down to XXXX XXXX that weekend but they would need a {$200.00} deposit. They requested she send via Zelle.  We sent the funds but started questioning information given by the seller. We did some online sleuthing and found that the XXXX address they said they live at does not exist. Seller said they made a mistake in the address and gave us a different street number. That address is a real location but now we're suspicious. Did some more sleuthing and found a XXXX account and XXXX page used by the same email address we sent Zelle funds to. This person 's XXXX page indicated that they currently live in Texas. XXXX confronted them via text about it and the guy eventually came clean that they are in Texas and there is no puppy. 

We filed complaint with XXXX. XXXX took our complaint but said there's nothing they can do to recover the funds since we authorized the transaction even if it was sent to a fraudulent person. We asked XXXX if they could contact the receiving bank to let them know one of their customers was pulling a scam and XXXX said they can't even contact the other bank about it. We tried to call Zelle as well and just got the robot customer service - can't reach a live person. We understand the money is gone but just want these people listed as frauds somewhere. XXXX couldn't even give us the name of the bank that the funds went to so we could call them ourselves. We'll try to make a police report now but not hopeful that will do anything either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I co-signed student loans for my oldest son in XX/XX/XXXXthru XXXX. Then co-signed loans for my youngest son in XX/XX/XXXXthru XXXX. Both loans are now being serviced by Navient. 
My youngest son decided to consolidate all his loans thru XXXX XXXX. They have assumed his loan servicing as of XX/XX/XXXX. When I look at the loans on Navient 's website, they show still due. I talked to a Navient service rep who said I had actually signed loans for myself and I was still responsible for paying them. So Navient now says that the college must have double billed for his loans and I need to check with the college. In other words, my youngest son is paying off his student loan thru XXXX XXXX and Navient expects me to pay off his student loans, too!!! How did we get billed twice for the same amounts?!? I did n't go to school or receive any money but someone charged us twice for his loans and Navient expects me to pay back loans that I supposedly signed for that were for his student loan also! Navient says I did n't co-sign, I actually signed a " Parent Plus '' loan that is in my name alone, according to them. When I look at my account at Navient, it shows every loan for both sons as " Parent Plus ''. I did n't agree to that. I only co-signed. On the very first loan my father actually co-signed but they 're still saying the loan is in my name only. I 've seen all the lawsuits and complaints about Navient and now understand why!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting at, the list of accounts below have Violating my federally Protect the consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX. 
Acct # XXXX XXXX XXXX XXXX XXXX. 
Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX  Acct # XXXX Have all violated my rights. 
15 U.S.C 1681 section 602A. States : I have the right to privacy.

15 U.S.C 1681 Section 604A. States : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other reverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-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 a reasonable cost to believe that the information is in accurate.

Please Delete these accounts immediately to avoid further action.

Company response to consumer: Closed with explanation