BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CO XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-02-26
Company: EQUIFAX, INC.
State: IL
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 noticed someone applied for a credit card without my knowledge and authorization. Also some filled me for tax which I did not authorized. I believe someone stole my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: RentDebt Automated Collections, LLC
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 XXXX XXXX, Account name : Rentdebt Automated Colle, 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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Experian Information Solutions Inc.
State: NY
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:
Upon checking my credit report after solving the address issue which was getting it added to my account.Now my date of birth and social security number is incorrect.

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 2020-12-08
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX I sent the letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignore of my dispute. Section 611 ( a ). It is plainly stated that A failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-07-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX Account # XXXX {$3700.00} Fraudulent charge Portfolio recovery, XX/XX/2020, and the amount of {$1700.00} fraudulent charge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: JPMORGAN CHASE & CO.
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: Information belongs to someone else

Complaint:
There is a credit card from Chase Bank reporting negatively on my credit. It lists me as an authorized user. I never permitted anyone to put me on their credit card. I disputed it with the bureaus and chase but chase continue to report this account on my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: HYUNDAI CAPITAL AMERICA
State: MI
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 apply for any credit with these companies, nor did I authorize these hard inquiries. These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately.

I believe these hard inquiries may be the result of identity theft or a mistake on the part of the creditor. I have not applied for any new credit or loans recently, and I am concerned that my personal information may have been used without my consent.

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 2023-02-10
Company: Experian Information Solutions 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:
XX/XX/2019 XXXX acct # XXXX was charged off so I deem it against my consumer rights to be punished for something thats holding me back from achieving my financial freedom in todays society. I asked this old debt be deleted from my consumer credit repot

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 2021-06-20
Company: EQUIFAX, INC.
State: KY
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 have been a victim of identity theft submitted multiple requests to have fraudulent accounts removed from my credit report have submitted identity theft report from ftc listing fraudulent accounts as well as a police report and they still refuse to delete and block the accounts from my report I have provided all that's required by law to have them removed and they still won't remove them I don't know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: CAVALRY INVESTMENTS, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I would like to file a complaint about an account listed on my credit report that was never updated after paying the balance in full to the collection agency assigned to it. I have already tried resolving this directly with the original creditor, the collection agency and XXXX   with no resolution because each organization states it is not their responsibility to report my payment for their own specific reasons stated below : XXXX states that the amount was charged off and the account was closed/sold to Calvary so they no longer report any updates.

Calvary states that although I paid them for this debt, they can not report the payment under XXXX as they are a separate company. 
XXXX  states that their function is only to gather information from the original creditor ( XXXX ) and they have to go by what they say, which is no updates available. 
I understand that I fell behind on past obligations and I am ashamed of myself for those issues. There was a period of time where I had unfortunate circumstances that led me to credit issues but I worked very hard to recover from them and I eventually paid the debt I was responsible for and Ive rebuilt my credit. I did not realize that this account was still showing as unpaid until I was just denied employment because of this outstanding issue. At this point I am begging someone to please report this account as paid. 
The account listed on my credit report is XXXX, the collection agency I paid in full is Calvary Portfolio. I have the letter showing that I satisfied this debt and it is attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
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:
To whom it may concern : I have a collection account on my credit files from a collection agency the account is as follows : Portfolio Recovery XXXX XXXX account number unlnown XXXX, XXXX, XXXX Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX   ). I have sent them a dispute requesting a VALID CONSUMER SIGNED CONTRACT WITH MY SIGNATURE ON IT and NOT A BILLING STATEMENT. I will attach a screenshot of where this company is licensed to collect and it isn't in the state of ILLINOIS! I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois and A CONSUMER SIGNED CONTRACT WITH MY SIGNATURE ON IT. Your immediate response will be greatly appreciated. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Experian Information Solutions Inc.
State: VA
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:
Company : XXXX XXXX  XXXX Location : XXXX, Virginia Address : XXXX XXXX XXXX XXXX XXXX Number : XXXX Suspect : XXXX/XXXX  XXXX XXXX   XXXX XXXX Number : XXXX I recently started a business and I was looking to open a business

account with XXXX XXXX, however, after the bank representative told me that I couldn't I figured there was something going with my credit. I went home and checked my credit and saw a HARD check from this company listed above. Other Details : Recently I was granted a 2 year protective order against my biological father, and I believe he works at this company. Statement : This was done without my authorization and I am incredibly upset.

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 2018-04-23
Company: Ditech Financial LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
There are many mistakes appear in my report without my understanding.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
To keep it short and simple, I have had student loans since XX/XX/XXXX. Every time I called and explained that I could not pay the loans ( they were too expensive monthly ), I was told to use forbearance. When I married in XX/XX/XXXX, the same year I completed my XXXX, my husband also had student loans ( about the same amount as mine ). When I tried to explain to Navient that we were married and now had {$170000.00} in student loans and could not afford the monthly payments, they would never take that into account. They want to treat each account separate ( total household income as filed on our taxes against each student loan account ). This is not fair math. Each persons income to each account would be fair, but that was not an option. We filled taxes jointly, because we are married. A couple years ago I called Navient and once again expressed that I was not able to make such HIGH monthly payments on my account. I was told then that our best solution was to consolidate the loans. I had no idea that my then ~3 % interest rate on some of my loans would go to the prime rate set by congress , doubling it. I was NEVER told about my options to pay lower rates and after 20 years my loans would be forgiven. I was tricked into believing that forbearance was the only and best way to go. All the while they were charging me compound interest. I was also never told that the first three years after enrollment in income based repayment, many consumers are entitled to have the federal government pay part of the interest charges if they cant keep up. For 14 years I have been in forbearance and interest fees have been compounding a problem I already had - I CANT AFFORD THE MONTHLY PAYMENTS - especially with 2 of us in the same household with the same amount of student loan debt! This compounded interest equates to tens of thousands of dollars. This is an unfair and deceiving practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
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:
I CALL IN XX/XX/XXXX THE FIRST WEEK STATING THAT I HAD INQUIRES NEED TOO BE REMOVED DUE TOO FRAUD IN XX/XX/2015 NOTHING HAS BEEN DONE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Siwell Inc
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On the end of XX/XX/XXXX I e-mailed XXXX XXXX XXXX company that the payment date is incorrect and would they up date it. I receive a note by e-mail saying they would check on it. 
In the end of XXXX it was still not corrected, XXXX XXXX  XXXX said they were having computer problems then and they would check on this. 
To THIS date and several e-mails to them again almost begging I have asked them to update the payment date. It shows " last payment made XX/XX/XXXX '' as of today 's date, XX/XX/XXXX. 
One lady said they can't do this, the credit agencies have to, when all three agencies said the mortgage company has to report last payment, that they were not allowed to change any dates without the mortgage company requesting this. 
XXXX XXXX XXXX company refuses to update my credit report all all three credit agencies, it is hurting my credit score. 
To ME, it is simple, but for some reason XXXX XXXX  XXXX won't do anything, can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Navy Federal Credit Union continues post transactions out of order on my checking account. They are not following the posting schedule and I believe they are doing this to collect more overdraft fees. They do not widely advertise the posting schedule I had to request a supervisor to tell me the schedule because the first representative did not know. This is deceptive practice. They are capitalizing off of people financial hardships during a pandemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo has closed accounts for purely political reasons. They obviously did not learn from previous documented malfeasance! Investigation and recovery is warranted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-12-05
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Current student loan servicer is Aidvantage. 

On XX/XX/XXXX, I submitted a request through studentaid.gov to enroll in the income driven repayment plan ( SAVE ). 

I received confirmation from the US Dept of Education via email that I should expect to hear from the student loan servicer within XXXX weeks. 

On XX/XX/XXXX, I received two correspondences from Aidvantage confirming the request had been received AND I had been placed on administrative forbearance. Forbearance had payments on hold for 60 days, resuming no later than XX/XX/XXXX. Unfortunately, interest would continue to accrue. 

I called Aidvantage on XX/XX/XXXX because my request was still outstanding, forbearance had been extended to XX/XX/XXXX with interest continuing to accrue. Monthly amount of interest accrued is significantly higher than SAVE monthly payment. 

This dynamic is devious and unethical. Accruing interest and enduring longer processing times financially penalizes borrowers. This is particularly true when borrowers like myself did things correctly and on time ( applying early ) and financial penalties are levied for circumstances outside of their control. 

Aidvantage is now coming up on 90 days to process the income driven repayment request and is suggesting that it could up to three more months ( through XX/XX/XXXX ) before payments are resolved. If Aidvantage can not process things in a timely manner, they should NOT unfairly and unethically penalize borrowers and/or financially benefit for shortcomings in their procedures! 

Aidvantage, while processing these applications, should be subject to similar conditions as XXXX where the Dept of Education instructs the company to place all impacted borrowers on administrative forbearance with 0 % interest until the issues are resolved.

Company response to consumer: Closed with explanation