BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
Company: EQUIFAX, 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:
XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department po box XXXX XXXX, Texas XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : DEPTEDXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX  XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v XXXX, XXXXtevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted National Credit Systems after a rude woman by the name of Ms.XXXX called me. I sent back the form I had to fill out concerning the fraudulently debt so National Credit Systems could do their investigation regarding the debt. Also, I took it one step farther and contacted XXXX XXXX XXXX and spoke with XXXX the assistant manager. She informed me that once I dispute XXXX XXXX should receive the dispute and she would have them {$0.00} the charge out for identity thief because they have no paper application, drivers license and none of my personal contact information. National Credit Systems has failed to contact XXXX XXXX XXXX. When you dispute a collection charge the collection agency has to follow up with the original creditor and National Credit Systems has fail to due so. Please investigate National Credit Systems and have them send the CFPB proof that National Credit Systems has disputed tis with XXXX XXXX XXXX. Ms. XXXX who works at National Credit Systems is very rude and unprofessional. Again if I have to pay this debt I will take National Credit Systems and XXXX XXXX XXXX to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
HI CITIZENS BANK : I was shocked when I reviewed my credit report and found late payments on the dates below : ON XXXX AND XX/XX/2023. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, and being XXXX XXXX XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have reached out the credit bureau on XX/XX/2022 they still haven't updated my personal information. I have called, faxed and nothing still hasn't been done about this issue. Feel I have used all my resource to try get this fixed. Can you please help me out with is. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

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 2018-10-16
Company: Experian Information Solutions Inc.
State: CA
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 can not get the Experian agency to update my credit report. Experian is still reporting one year old reports that have been paid off in XX/XX/2017. I have paid off several items they report as unpaid. It is impossible to call Experian as I have tried many times and they ignore my online messages. I don't know what to do. XXXX and XXXX keep updates perfectly and my credit scores are well over 700. Experian has me in the low 500 because they will not bother to update. This is affecting my life terribly. Please ask then to do their job. Thank you!

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 2019-04-22
Company: EQUIFAX, INC.
State: CA
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:
three fraudulent accounts and inaccurate reporting are on my equifax credit reporting agency, m i have tried to dispute with them but for some reason they are every stubborn do not trying to help what so ever, i have tried to call to receive dispute results but literally they are asking security questions that i do not even know them or never had these accounts, and i explain it is because i did not open or dont know about these, but late time they did not even answer my questions. i will be attaching my police report and the FTC report that i had inquired and sent to equifax as well. 
please help me in this very tough situation thank you for you cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was scammed on XXXX. A vacation property was listed in XXXX NC ( by owner ) and I sent $ thru XXXX to reserve the property for 2 nights + security deposit. The funds were ultimately received by a legitimate Bank of America account. ( This was verified by the local Bank of America. ( I have the account number because the " owner '' originally wanted me to wire $ directly to the account. ) 2 weeks later I needed to cancel the reservation due to illness only to discover ( thru research when no email response from the person I had sent the $ to ) that the property did not belong to this person and was exclusively listed thru XXXX XXXX XXXX XXXX. The XXXX listing had been copy and pasted from the XXXX listing. I also have a good phone number for the scammer because I called him to cancel the listing when I did not hear back via email and spoke with him. He has since tried to scam me again via text messages. I have filed a police report.

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 2022-09-09
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2018-12-19
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized inquiries applied to my credit file. I contacted Equifax 3x and every time I am told to contact the creditors which I have done to no avail. It is a never ending cycle of being told the same thing over and over again to no avail. It has affected me personally and I intend to pursue litigation and hold Equifax liable as they have offered me no recourse. If the inquiries are a " matter of fact '' and the companies were doing account reviews they should be coded as " soft '' not hard inquiries. Under no circumstances are unauthorized " hard inquiries '' allowed to remain a fact of record. Equifax continues to tell me that and that is not true. I have attached the letter of the unauthorized inquires which has been previously sent to Equifax which they have completely ignored. You are told to contact the creditor over and over again and they know that gets no results. If the inquiries are fraudulent, then of course the companies have documentation because they think you authorized it. That does not mean its authorized. Additionally, several companies indicated they were account reviews. If they were account reviews then they should be coded as such. The companies then lie and say they will contact Equifax to remove it or code it as soft but it never happens. This has been going back and forth far too long. I will absolutely take legal action if Equifax ignores my 4th request to remove or correct inaccurate information. If the creditors have been negligent in correcting this information Equifax has a duty to remove it or correct it. This is becoming a little ridiculous. Please see the attachment below to be forwarded to Equifax. 
Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: National Recovery Solutions, LLC
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX, with National Recovery Solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contacted me stating they received a private student loan collection account from a previous company. I asked them to provide the original debt documentation with my signature & all payments I paid to the previous company applied to the debt. They state they have that information to provide me but that I should charge the balance they have on file to a credit card account or borrower the money. XXXX is rude using forceful language using threat tones. He has called old employers ( I no longer work for ) and family member numbers XXXX  online using my name. I have the recordings. I will not be forced to pay a debt without proof I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I requested for XXXX, XXXX and Experian to remove any old addresses and misspellings of my name because that is not how my credit report should reflect. They still have not updated my credit reports to show accurate information and i demand my requests be completed immediately. As it is my right as a consumer to have an accurate credit report.

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 2022-09-09
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: Personal information incorrect

Complaint:
I requested for XXXX, Equifax and XXXX to remove any old addresses and misspellings of my name because that is not how my credit report should reflect. They still have not updated my credit reports to show accurate information and i demand my requests be completed immediately. As it is my right as a consumer to have an accurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I already have filed a complaint, XXXX. I have just gotten in touch with them at Capital One and got no results from them. They said all they could do is reduce my interest from 27 % to 22 % which would not help with what I want to do by getting them paid off. I wanted a 0 % rate for 18 months to pay it off completely and not wanting to hurt my credit score. They provide no help in even reducing it a considerable amount. 

My thing is, when you pay a {$230.00} payment and only {$70.00} goes to what you actually owe, maybe it is time for the Government to step in because this is highway robbery and they get away with it. It is awful ... I am on a fixed income, SS retirement and work part time. I just want to lose me as a customer, but don't offer any help with getting the interest low enough. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: EQUIFAX, INC.
State: IN
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I was called by Truist Bank and asked if i had made two withdrawals that day one for XXXX dollars and one for XXXX dollars at a Truist Bank in XXXX. I told the person that called i had not. she told me to to go to my local branch and to call their fraud dept. which I did immediately. On XX/XX/2022 I received an email from Truist telling me that they completed the investigation and the had refunded the money. no refund ever showed up in my account. today at XXXX XXXX  i received another email stating that they denied the claim. I have proof of all of this. no one can tell me which branch these fraudulent transactions occurred. this has caused undue stress and strain on me. I am XXXX XXXX  XXXX and i have all the stress i can handle. please look into this. i am sure they have cameras in their banks and if they review the tapes they will see who stole the money from my acct. I have copies of the withdrawal receipts that my local branch gave me. the signatures are obviously aren't mine and they are not even signed the same way. i always use my payroll signature which contains my middle initial. one of the receipts has the middle initial and one does not. WHY WOULD SOMEONE CALL ME THAT DAY AND ASK ME IF I MADE TWO WITHDRAWALS FROM MY ACCT? 
something is very odd about this whole ordeal. i just need my money returned.

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 2018-05-22
Company: AMERICAN HONDA FINANCE CORP
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:
Received an alert from XXXX, stating, I applied for credit from American Honda Financial on XX/XX/XXXX. Contacted American Honda Financial on XX/XX/XXXX, spoke with several individuals over 45 minutes. Honda stated they couldnt do anything or provide any information and file a dispute with Equifax. I filed a fraud dispute with XXXX  on XX/XX/XXXX. 

On XX/XX/XXXX received an alert ( Conf No. XXXX ), stating my dispute was complete. XXXX   stated ( XX/XX/XXXX telephone call ), they can not remove the hard credit inquiry from American Honda Financial and I need to contact Honda. I contacted Honda on XX/XX/XXXX, they said I need to contact XXXX  to have it removed. Called XXXX again, informed them what Honda said and I requested a supervisor. Informed the female supervisor of the situation, she said again, contact Honda, they have to request the removal of the hard inquiry. I informed both companies, this was a fraud credit request. Both parties are saying contact the other party. I have spent over 2 hours on the telephone with XXXX and American Honda Financial requesting the hard inquiry be removed from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21
Company: Maximus Education, LLC dba Aidvantage
State: CA
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:
AIDVANTAGE IS SENDING OUT FRAUDULENT LETTERS I received a letter in error from Aidvantage dated XXXX XXXX XXXX regarding consolidation application denial. MY FEDERAL LOANS WERE CONSOLIDATED WITH THE DEPARTMENT OF EDUCATION - 6 MOS. AGO ( Effective : XXXX XXXX XXXX ). Yet, I am receiving a denial letter 6 months later from Aidvantage. 

My federal ( FFELP ) loans with XXXX ( since XXXX ) were directly consolidated with the Department of Education back in XXXX XXXX XXXX XXXX. I am in repayment under the Direct Loan Consolidation program with the Department of Education. I am on the SAVE plan and a candidate for the IDR Waiver - one-time payment account adjustment. 

Not only is Aidvantage 's letter a significant error of fact and context, but it demonstrates false claims of ineligibility. This translates to fraud and abuse. I am demanding a retraction and correction letter from Aidvantage immediately. My loan servicer is no longer XXXX, and it has never been Aidvantage! My loan servicer is XXXX XXXX who are also committing serious issues of their own but that is a different case entirely. 

For the record, I have also received email an official notification from the Department of Education that I am a candidate for loan forgiveness under the IDR one-time payment account adjustment aka IDR Waiver. In fact, there is no better poster child for Direct Loan Consolidation with the Department of Education and IDR Waiver than me. 

Please note I have put Aidvantage on notice that my demand / complaint letter to them dated XX/XX/XXXX is being used with other exhibits attached to a formal complaint against Aidvantage which will be directed to the states attorney general office and regulatory agencies, which cite Aidvantages continued widespread failure, abuse, and unlawful conduct on behalf of its parent company Maximus Federal Services. 

Please investigate Aidvantage 's senseless, and what I believe are intentional errors, because Aidvantage ( Maximus ) is really for all intents and purposes XXXX XXXX ( my former loan servicer ) who is still harassing me with refinancing letters with them in order to try and scam me out of student debt relief! In this regard, on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have notified Navient of these wicked and deceptive practices. This is public record. 

I can be reached any time by phone or email. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: W&A Intermediate Co., LLC
State: MI
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 not liable for this debt with Wakefield and Associates, I do not have a contract with this company. I still have not been provided with a contract with my signature stating this is my debt The balance amount is {$840.00}.

Company response to consumer: Closed with explanation