BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: CA
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:
Fraudulent personal loan account that is on my Experian 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 2022-03-15
Company: Maximus Education, LLC dba Aidvantage
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My loans are now being serviced by AidVantage. I received a letter stating that my IDR payment was rescheduled and my first payment is due in XXXX. This letter shows interest was capitalized. I also received a letter stating that my consolidation loans are on a deferment. 

During the COVID forbearance, federal servicers are not to capitalize interest. Why did Aidvantage 1 ) redisclose my IDR? I did not recertify my payment or ask for my payment to be recalculated. Why was my interest capped? Why am I on a school deferment instead of the COVID forb. With the COVID forb, months during this time go toward IDR and PSLF payments. By placing me on a school deferment, AidVantage is cheating me of IDR and PSLF payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXperian and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : {$1000.00}

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 2018-01-11
Company: Trident Asset Management, L.L.C.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I never had an account with this company, this is a collection agency. I have filed a complaint with this office before about the company Trident Asset Management, at that time the 4 items were removed XX/XX/XXXX and now placed back on my credit report on XX/XX/XXXX. Fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Old address and phone numbers not removed. Due to security reasons I can not remove on line.

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 2022-03-15
Company: Firstsource Business Process Services, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/2022 I received Collections letter from one advantage I called The XXXX XXXX to educate the agency that the I was in an active bankruptcy and shouldnt get calls nor letter and to cease and desist I was hung on on the first call the second time I was Transferred after giving the reference number to the agent she said I had the wrong department called again hung up on called a third time asked for a supervisor I was told the supervisor wasnt available hung up on again

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Experian Information Solutions Inc.
State: LA
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2023-02-11
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
It seems like every year the credit bureaus removes all of my history rating data and every year I have to come back and file a complaint in order for them to fix it. I have contacted the creditors, XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX Department of Education by way of the student loan database to see if anything has changed and it has not. All account have been reporting through the national student loan database since 2004, while reporting all transfers and consolidations, as " paid consolidated accounts '' the credit reporting agency has the status as multiple statuses not matching what is being reported by the creditor. I have consolidated 6 times since 2004 with the last 4 consolidations being removed by XXXX, Equifax and XXXX. Now they are removing my history ratings from those installment loans and am being givin a hard time for them to put the information back. That is close to 20 years of installment loan history removed from my credit report and the loans are NOT CLOSED!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Io, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I submitted a letter to the three credit bureaus regarding the erroneous and inaccurate account last fall. I do not recall having a visit with XXXX XXXX  nor do I understand if I did why I would owe accrued late fees of {$130.00} and a collection fee of {$81.00}. The notice that I received from Receivables Management Systems appears to be predatory and a violation of the Fair Debt Collections Practice Act. 

According to 15 USC 1692g, 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

I have yet to receive an actual agreement outlining these fines and assurance that this debt is indeed mine. When requesting validation I received a constructed letter from Receivables Management Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Did not receive Way2Go Debit card. Need information to get a replacement card. Company automated service is not allowing the completion of process to request a new card. When placed on hold the call is dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN
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 am a victim of identity theft and this complaint contains new information from any and all previous disputes or complaints. Upon review I discovered a checking and savings account opened in my name at XXXX XXXX XXXX I did not open or use these accounts. Previously I was told that these accounts were opened in person but new information provided to me by the bank confirmed these accounts were opened online. Chexsystems is reporting these accounts as account abuse on my chexsystems report however these accounts do not belong to me and the new information that these accounts were opened online requires a new investigation by chexsystems. I reached out to chexsystems and was unable to speak to anyone.

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 2022-03-15
Company: EQUIFAX, INC.
State: GA
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've been trying to reach out to credit bureaus to correct my credit report but nothing has been done up to this moment. I was a victim of identity theft and there are unauthorized inquiries and accounts that aren't mine reported. I wrote them another letter on XX/XX/2022 which I attached to this complaint hoping that they will check on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: PNC Bank N.A.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On or before XX/XX/2XXXX XXXXXXXX XXXX XXXX XXXX, DBA chairman, president, and chief executive officer of PNC FINANCIAL SERVICES GROUP was sent a Notarized affidavit with certified mail # XXXX XXXX XXXX XXXX XXXX making him aware that he and PNC BANK furnished on my personal consumer report, inaccurate and incorrect information to all credit reporting agencies. Pursuant to 15 U.S. CODE 1681S-2, as a furnisher XXXX XXXX & PNC BANK have a duty to provide ACCURATE INFROMATION. 

XXXX XXXX & PNC BANK IS REPORTING " GROSS OR ORDINARY INCOME '' on my personal consumer report. The IRS clearly defines a charge off as Gross or Ordinary income. Income does not get reported on consumers reports, which makes the reporting of a charge off inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute the inaccurate information regarding late payments on my credit report. After a recent review of my credit history, I discovered discrepancies that do not accurately reflect my payment behavior. Specifically, the late payment information associated with the following account : Pennymac Loan Servi XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have always been a responsible and diligent payer, and any instances of delayed payments have been promptly settled upon discovery. It is disheartening to see that my credit report is currently reflecting late payment information that is not representative of my true creditworthiness. 
I kindly request a thorough investigation into the accuracy of the late payment information associated with the mentioned account. I believe that there may have been an error in reporting, and I am confident that a closer examination will reveal my consistent track record of timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XXXX XXXX XXXX XXXX Made final payment XX/XX/2018 for {$1600.00}. XX/XX/2018 - received a letter congratulating me and informing me 5he account is now PAID IN FULL. 

XX/XX/XXXX talked to XXXX - no one can locate the title that was XXXX. Told me they would wait to see if it shows up. 

XX/XX/XXXX, got a call from XXXX XXXX XXXX to inform me that XXXX could not locate my title. Told me I need to pay them again for another title. I told them the car is paid off and I need the title to register my car. They told me they could not release it because Citizens One had not indicated that the car was paid off. 

XX/XX/XXXX - contacted customer service - XXXX. He was very polite but told me since XXXX ( his supervisor ) had the case I needed to talk to her. He provided XXXX direct line ( XXXX ) XXXX XX/XX/XXXX - to date Ive left XXXX three messages on her direct line. Nothing. 
How do I get my title?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Transunion is only reporting one account on my credit report. I have contacted transunion by phone three times, in writing and submitted a complaint through this website as well. Still nothing has changed on my credit report.

Below is a list of accounts along with there status that are not reporting on my Transunion report but is reporting with XXXX  and XXXX. 

XXXX XXXX XXXX XXXX - Closed and Current XXXX XXXX XXXX - Closed and Current XXXX - Open and Current XXXX - Open and Current XXXX  XXXX - Open and Current XXXX - XXXX - Closed and Current

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 2021-02-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Identity Theft 14 Fraudkent Addresses 2 THEFT REPORTS FOR BOUNCED CHECKS FRAUDULENT ADDRESSES MULTIPLE SS NUMBERS ON CONSUMER REPORTS FILED DISPUTES AND VERIFIED ALL ACCOUNTS ON MY CONSUMER REPORTS. 

Chexsystems HOWEVER IS BEING DIFFICULT. THEY WILL NOT UPDATE MY REPORT. THIS PROCESS STARTED ON XX/XX/2020. I HAVE BEEN STRUGGLING FOR 27 months with homelessness. I just got my credit to where I could get an apartment because of the damage they did to my reports. 

I need assistance with getting my report updated. I have filed all reports and notices. I have submitted all proof. The proof I am submitting today to you is minimal from what I have. 

Thank you 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 2022-03-15
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Greetings, i have been a victim of identity theft and have asked creditor to proof that it was my debt, and they have not, i have disputed it with bureaus many of times, please remove collection items and block them. 



Concerning XXXX  student loans i was told by agent, that she would have them removed since they were paid in full and its showing as paid collection, these accounts are reporting falsely and is waiting my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: BARCLAYS BANK DELAWARE
State: PA
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 rewards from credit card

Complaint:
On XX/XX/2022, I contacted Barclay bank regarding my XXXX XXXX Barclay Card, as the " XXXX XXXX '' cards they had sent to me over a period of at least two years were lost. The missing rewards totaled at least {$950.00} in value. They gave me a case number ( XXXX ) and said I could expect to hear from someone within 24 hours and replacing the cards would take 2-3 weeks. No one called. I followed up the following week and was told that the case was being researched, and to wait another 2 weeks. I called again in a couple of week and was told the same thing. Finally, two months later, on XX/XX/XXXX, after two months had passed, I demanded to speak with a supervisor after I was told to wait more. The supervisor informed me that I had to call XXXX directly, even though I have no contract with XXXX. I insisted that it was their responsibility to help me because the rewards is through their company, but she simply apologized and said someone should have told me months ago to call XXXX. She gave me what she assured me ( twice ) was a direct number for the rewards department at XXXX, but it turned out to be a general number. After getting transferred from one person to another at XXXX over the course of 123 minutes, I was told that the request had to come from Barclay card.

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 2022-03-15
Company: Experian Information Solutions Inc.
State: GA
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:
My name is XXXX XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS INQUIRIES and BANKRUPTCY from my credit report immediately.

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 2020-06-23
Company: Army and Air Force Exchange Service
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account shows pass due payment in XXXX. Card has been paid off since XXXX. No activity should be shown on account after 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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX,15 U.S. Code 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev next ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonab e cause to believe that the information is inaccurate. 
( B ) Reporting information after

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