BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
Company: Maximus Education, LLC dba Aidvantage
State: VA
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 filed a dispute on my student loans ( AidVantage ) with XXXX and will be doing so with the other credit bureaus. They did not fix the issue. I was still in college in XXXX and graduated in XX/XX/XXXX. XXXX reported that a late payment in XXXX which I was in a grace 6 months after graduating and reported several in XXXX. I was in forbearance in XXXX as my mom had XXXX and even shows on their own documentation that I was in forbearance in XXXX. XXXX did not fix this issue and when I called AidVantage they said they seen this but I would have to dispute it with the credit bureaus. It's ridiculous that I even have to do this to get this off of my credit report. XXXX made a lot of mistakes and has been sued for those and this is one of their mistakes that needs corrected. If I have to get an attorney to get this fixed I will. It says right on the paper work from AidVantage that I was in grace and forbearance during these times. I will also being sending this complaint to the Department of Education and some other folks to look into this. 

Grace- XXXX Administrative Forbearance- XX/XX/XXXX through XX/XX/XXXX Administrative Forbearance- XXXX XX/XX/XXXX Admin Forbearance - XXXX XX/XX/XXXX Disaster Forbearance XXXX Voluntary Forbearance XX/XX/XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
In XXXX I mailed dispute letters for the negative items on my credit report to be investigated. After applying for internet services through century link I was told that their was already XXXX count opened at another address but I didnt live their so I provided a copy of my military orders to show to century link and was told to check my credit for other items. After viewing my credit in credit karma i have over XXXX credit inquiries and most were from fraud so I got a police report through XXXX XXXX Kansas police department located outside XXXX XXXX Kansas. I faxed it over to the burea on XXXX XXXX at XXXX at the box and ship located in XXXX XXXX Kansas XXXX At the time I had credit repair companies fixing my credit which was XXXX XXXX XXXX and XXXX XXXX. They both submitted the police report and I received letters stating it was added to my report but whenever I call the XXXX bureas I dont get an answer. They told me it was under investigation and the link they provided doesnt work its always unavailable. Ive tried contacting the companies from which the inquiries came from but they dont keep records was what I was told from representatives.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: WLCC
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have tried many times to come to a suitable arrangement with the company and what I can afford. I have multiple emails with them threatening me with fraud charges and them saying this is the best offer you 're going to get. They have also called me multiple times at work after me advising them not to do so because I could lose my job. I had to choose between repairing my car and having a place to live and they would not work with me at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-21
Company: AMERISAVE MORTGAGE CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Amerisave Mortgage company is the current servicer of my home mortgage 's escrow account. On XX/XX/2021 I received a letter from my County that a real estate tax bill was not paid. I have reached out to Amerisave multiple times through both their call center and customer support email address to figure out when they can make the payment, for that I received no feedbacks. 

As of today, this unpaid real estate tax bill is in collection process and if not addressed properly my property will be put on auction.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: NJ
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 Account # : XXXX XXXX XXXX Account # : 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 16
81c. ( 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 2017-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One Will not allow external applications ( personal finance ), that I have granted permission to, access my financial data. I believe I have a right to allow my finances, and all the data that comes with them, to be accessed in a manner that I feel will benefit me the most.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: EQUIFAX, INC.
State: KS
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:
In XXXX I mailed dispute letters for the negative items on my credit report to be investigated. After applying for internet services through XXXX XXXX I was told that their was already XXXX count opened at another address but I didnt live their so I provided a copy of my military orders to show to XXXX XXXX and was told to check my credit for other items. After viewing my credit in XXXX XXXX i have over 90 credit inquiries and most were from fraud so I got a police report through XXXX XXXX Kansas police department located outside XXXX XXXX Kansas. I faxed it over to the burea on XXXX XXXX at XXXX at the box and ship located in XXXX XXXX Kansas . At the time I had credit repair companies fixing my credit which was XXXX XXXX XXXX and XXXX XXXX. They both submitted the police report and I received letters stating it was added to my report but whenever I call the three bureas I dont get an answer. They told me it was under investigation and the link they provided doesnt work its always unavailable. Ive tried contacting the companies from which the inquiries came from but they dont keep records was what I was told from representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: Midwest Recovery Systems
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing in reference to Midwest Recovery Systems. I do not have a signed contract nor any contract with this Agency. There has been absolutely no correspondence or notification from this company at all. This company has first fraudently reported the " Opened Date '' as " Unknown '' & then later reported the open date as XXXX.XXXX, 2017 the date the collection was placed on my Credit Report without notice. I demand to see a signed contract between Midwest Recovery Systems and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian is repeatedly and continuously reporting inaccurate names and addresses on my credit report no matter how many times i dispute the information, send in verification, documents or request correction. This inaccurate information is giving unknown creditors leeway to report debts that do not belong to me to be reported under my credit report. I have been battling with Experian to correct my information since 2016 and I still have not had this matter resolved successfully. What they are doing is immoral and illegal and should be dealt with accordingly.

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 2022-03-21
Company: Chime Financial Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chime Banking companies, they locked you account with money in it and they won't help you login back in your account. They will pretend that they don't know what going on with your account when you tell them that you can't login your account. They a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Peter Roberts & Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of XXXX I had an unpaid medical debt ( not paid because moving house ). I paid it in early XXXX when it went to collection. 

The collection shows up on my credit report, and I need it removed. 

I have contacted Peter Roberts multiple times to try to get the collection removed. On one occasion they suggested that I would have to pay to have it removed. They also suggested that I contact XXXX XXXX, who initiated the collection, and I did. They told me to write a letter to XXXX XXXX. 

On XX/XX/XXXX I used the XXXX platform to send a request to Peter Roberts ( confirmation # XXXX ) to ask them to remove the collection from my credit report. They have not done so. 

I have called XXXX XXXX and they report that they have received no communication from Peter Roberts. I have called Peter Roberts multiple times. On every occasion I am sent to voice mail, I leave a voicemail with my name and phone number ( twice to ensure that it is clear ) and they do not call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Credit agencies did not follow up on fraudulent activity. The {$930.00} amount from XXXX XXXX, does not belong to me. I 've disputed this twice and explained I was not living anywhere near XXXX, Ohio and suspect my personal information was obtained by a family member. I 've explained this.

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 2022-03-21
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2022 XXXX placed Account # XXXX as a charge off on my credit reports; dropping substantially my Credit Score. 
On XX/XX/2022 I contacted XXXX regarding Account # XXXX and reached an agreement to delete this account from my credit file on the XXXX Credit Bureaus XXXX EQUIFAX XXXX XXXX & XXXX ) XXXX I am attaching a letter to support this claim. This letter states that the account # XXXX has a zero balance and no further payments are required. 
On XX/XX/2022, I sent Certified mail to each reporting agencies ( EQUIFAX, XXXX & XXXX ) with a copy of the letter provided by XXXX stating that the account was satisfied and requesting removal from my credit report. 

On XX/XX/2022 my Credit Report showed removal of the Account # XXXX from the XXXX credit Bureaus ( EQUIFAX, XXXX & XXXX ) On XX/XX/2022 my Credit Report, shows that account # XXXX from XXXX was placed back on my credit report, stating a balance of {$2700.00}. 

In accordance with the Fair Credit Reporting Act SUNTRUST/TRUIST acct # XXXX the credit bureaus violated my rights with reporting inaccurate information on my credit report accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Experian Information Solutions Inc.
State: WA
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:
On or about XX/XX/2019, I logged in and made our XX/XX/2019 car payment to XXXX XXXX XXXX. This payment cleared and was taken out of my XXXX bank account on XX/XX/2019. However, XXXX did not credit the payment to our account until XX/XX/2019. This resulted in a 30 day late payment appearing on my credit report. I notified XXXX  about this error and they stated they would not correct the credit report. 

I have attached a copy of my XXXX bank statement as evidence that the XX/XX/2019 payment cleared my bank account on XX/XX/2019. Therefore, the payment would have been made prior to XX/XX/2019, not after ( as they are claiming ) My account number is 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 2017-10-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification with XXXX XXXX XXXX during the summer. Well eventually I find out that my bank intended to sell my mortgage. The account number for XXXX XXXX XXXX is XXXX. I tried to find the proof of this since I had put the paperwork online in the upload section. Found out that I can not access this. Awful convenient for them. My account was transferred to Carrington Mortgage Services LLC. The account number for this account is XXXX. I on numerous occasions let them know I was behind and wanted to apply for a loan modification. Well finally I was sent an application. I filled it out at the beginning of this month and uploaded all the documentation they required. That was on XXXX XXXX of this year. On the seventh they indicated it was incomplete. So I uploaded the rest of the documentation on XXXX XXXX. The website shows that no one has looked at anything since XXXX XXXX. I called on Friday and they just brushed me aside. Why is there no one looking at my application. So on Friday I get a letter saying Carrington plans on foreclosing. I know that I am behind but is this not dual tracking? I have not even had anyone tell me what is missing or anyone even look at anything since XXXX XXXX. How can they make a decision if they do not even look at my application? So now I am going to lose my house because someone is not doing their job. This seems unfair. I need help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/22 at XXXX EST I received 4 emails from Bank of America stating that an online account had been opened in my name. The account is called Bank of America Advantage SafeBalance Banking Account. They used my full social to open the account. I looked up the fraud department number for Bank of America and reported the Identity Theft. They did a report and closed the account and alerted the credit bureaus. I've also had to contact my banks and creditors to make a fraud alert as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
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: Their investigation did not fix an error on your report

Complaint:
Experian and XXXX  are reporting incorrectly a collection in the amount of {$6900.00} on the XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full. I have attached a copy of the settlement letter dated XX/XX/2020. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2021-02-12
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I had an apartment in XXXX ga in XXXX. I had a XXXX in XX/XX/XXXX and was in a XXXX for several months. My family was taking care of my affairs while I was in a XXXX. My family had worked out a resolution to remove my personal belongings and settle the rest of lease. The lease was closed out in XX/XX/XXXX. My family kept. The paperwork and proof of resolution of lease. Sometime while I was in rehab the leasing company sent me to collections claiming no resolution was ever made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX & Inquiry from XXXX on XX/XX/2022 has violated my rights. 

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

15 U.S.C 1681 section 604 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 2022-04-26
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On the XXXX of XXXX, I had a conversation with the creditor and then six days later they reduced my credit line which is unfair, deceptive, and a violation of the equal credit opportunity act. This reduction is rooted in XXXX discrimination and national origin. They explicitly used race as assessing risk. This is the second time this creditor reduced my credit line due to race. I had a second credit card and when I made a payment of XXXX dollars they reduced my credit line the very next day which was a substantial injury to my financial well-being. This is a hardship that the creditor imposed on me due to my race.

Company response to consumer: Closed with explanation