BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-03
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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USE MY NAME AND SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # XXXX ; s. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2022-09-01
Company: Maximus Education, LLC dba Aidvantage
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Due to the Covid CARES act, all student loan payments made after XX/XX/XXXX on federally owned loans are refundable back to the payer. I made payments on my federal loans to Aidvantage during this time. I requested a {$26000.00} refund from Aidvantage on XX/XX/XXXX, and was told that the application had been submitted for refund, and that the process would take 4-8 weeks for the refunds to be sent back to me. I called Aidvantage again on XX/XX/XXXX, and was told that my refund had been submitted, but that there were no updates. I am not worried about when the physical money gets back to me, since that has to come from the Department of Education, but I would have expected the loan amounts to reinstate on the Aidvantage website by now since they have a legal obligation to refund the money to me. It feels as though Aidvantage is dragging their feet since there are no email confirmations that a refund application was submitted, and it takes over an hour to get a hold of a customer service agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The XXXX XXXX card doesnt report that is has been paid but it also doesnt report that it has been sold to a collection agency please verify this information and delete all inaccurate information

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 2021-07-13
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I got an email saying that my prepaid card materials had been returned as undeliverable, and that I needed to update my physical address. I spoke with one associate earlier this morning, about XXXX and he said that it was marketing, not to worry, etc. I called about XXXX later this morning and she was trying to verify my SSN and it wasn't pulling up my account. I told her I didn't know the physical address on file since I never applied for it in the first place. I got a little frustrated saying that since I got the email, that the account had been opened without my knowledge. She said that she would close the account and that they would forward it to their ( other ) department and that no further action was needed, except to contact the FTC and file a complaint.

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 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
As of XXXX XXXX XXXX XXXX XXXX  said that they are going forward the information to a collection agency because of the Fair Credit Act they will pause on pursuing me.

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 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent in multiple letters on XXXX XXXX, 2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2019-11-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a checking account at Citizens Bank and feel that they intentionally hide their fees and when asked ( multiple times ) simply refuse to answer.

I asked Citizens Bank Customer Service a few times if there would be a Citizens Bank fee assessed by Citizens Bank for a withdrawal initiated from another bank ( ACH ) and I was given vague answers and boilerplate copy paste non-answers.

Finally Citizens Bank Customer Service responded today as pasted below : " Dear XXXX, Thank you for your email regarding External transfers. 
If the external transfer is initiated from another financial institutions website we are unable to determine if there will be a fee from our end. 
If you have any further questions or concerns, please contact us via email or by calling our 24-hour Online Banking Department at XXXX XXXX. 
We value you as a customer and appreciate your business. Thank you for choosing Citizens Bank. 
Sincerely, XXXX XXXX. 
Email Team Advocate '' I believe a bank must be upfront about their fees and that if the " can not determine if there will be a fee on their end '' they should not be in the banking business. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
n : I HAD A THREE MONTH HIRRICANE HARVEY DEFERRAL and NO ONE seems to know about this. I have been showing delinquency since the OFFERED deferral was add Do people and companies ONLY CARE WHEN SOCIAL MEDIA gets involved or when they are ALSO affected by national disasters. This is unacceptable, unconscionable, and I need the documentation properly corrected ASAP within the system

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
A collection account was added to my credit report in early XX/XX/XXXX. I believed the account to be inaccurate so I disputed the account with Equifax. Subsequently, the account was deleted from my report in XX/XX/XXXX. In XX/XX/XXXX, the same collection account for the same balance was reinserted on my credit report with no notice to me, as required by law. Please investigate this account. The attached documents show the collection account ( XXXX {$500.00} ) as currently listed on my credit report and as it was deleted in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Climb Credit Inc.
State: OH
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:
Was approved for a loan on : XX/XX/XXXX Application Number XXXX ( was approved ) Loan was refunded in full, as I left the school and decided not to attend. 

On XX/XX/XXXX I received notice from XXXX that my credit was pulled from Climb Credit which was not authorized. 

I have left XXXX XXXX 's, sent XXXX emails and tried their chat feature on website and nobody responds or gets back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XXXX XXXX I was approved for an auto loan from Capital One Auto Finance for XXXX  XXXX XXXX account number # XXXX original amount was about XXXX give or take and the end amount is XXXX. The account ended up going into collections and resulted in a charged off status. I've disputed the charged off with XXXX and it was removed, XXXX initially removed it and then placed it back on my credit report. And I've contacted XXXX about the inaccuracies through letters and have not received any letters back except the returned receipt which I sent a certified mail for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for or purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am reaching out because I was deceived a few years ago by SallieMae ( now navient ). 

I graduated college with these extreme private loans that their scamming company pushed me to get at XXXX XXXX XXXX not knowing what this would do to my credit/payment down the road. 

I was making XXXX a year about 10 years ago when I had to start paying over {$1000.00} a month for these loans ... They neer allowed me to get on a payment plan I was forced to continuously default and/or go into forbearance which is now impacting my ability to buy a house, get credit cards, rent a house, basically anything impacting my credit. 

My interest rates are almost 15 % on one of my loans and continues to just rake in money on Navients end. I have been paying for years and haven't seen a dent taken on my loans and I feel like that something is just wrong. I've called numerous times and they hang up on me and sometimes just beat around the bush. I can't live a normal life dealing with over {$100000.00} IN DEBT that just keeps getting higher and higher no matter how much I'm desperately trying to pay each month. 

Please help me, I can't even move to a different lender because of my terrible credit, I need to get away from these people!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX Balance : {$810.00} XXXX XXXXXXXX Balance : {$300.00} XXXX  XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$300.00} XXXX  XXXX XXXX Balance : {$810.00} XXXX XXXXXXXX Balance : {$300.00}

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
Company information. XXXX 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 2022-09-01
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: Information belongs to someone else

Complaint:
Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. 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 non-monetary relief
Consumer complaint received 2021-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have repeatedly reported that there are FRAUDULENT items on my credit report and that they are in violation of FCRA regulations. 

There is an abundance of inaccuracies in my report. The attached accounts are reporting inaccurately and or erroneously. I have reported these in XXXX and XXXX of XXXX  with no rectification for the accounts. 

I have attached all three reporting agencies to show inconsistencies and FRAUDULENT negative accounts.

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 2019-11-28
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: Problem with personal statement of dispute

Complaint:
I continue to have issues with Experian concerning my Experian Credit Report and Experian FICO 8 score. My credit report incorrectly showed more than 50 % of available credit used. Once that was corrected, there was no improvement in my credit score ( even though this accounts for 30 % of such FICO 8 credit score ). I also requested Experian to manually add some utility and other accounts not regularly submitted to Experian by the comapny/companies ). Experian does this to some extent with their " Experian Boost '' program/function feature - although it is not currently available to all consumers via all financial institutions and was designed to be done via a automated program that extracts bill pay information from a consumer 's financial institution. I understand Experian " does not '' actively seek account information '' for consumers. I also understand that the information submitted to Experian is a ) NOT verified for accuracy by Experian and is reflected as presented ( right or wrong ), and b ) such information as reported ( again right or wrong ) directly impacts the consumer 's credit score as  computed by Experian. Whereas Experian provides this credit score and related credit report information to  lenders/businesses, Experian has an obligation to ensure that the information it provides to such lenders/businesses is accurate and Experian has a corresponding obligation to consumers related to such consumer 's credit score, computed by Experian, based on such information reported to Experian.

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 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX ( XXXX XXXX : MEDICAL ) 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 2022-09-01
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The original creditor XXXX XXXX XXXX  ( XXXX XXXX ) Account no. XXXX charged the original debt off and without my consent ( written or oral ) sold to Midland Credit Management. The law states : Consent is Required A contract can not be valid or legally binding unless consent is given. Consent, essentially, occurs when two parties mutually agree to form a contract with each other. Consent can not be given under pressure. If one or both parties provided their consent under duress, the contract will not be legal. 

Therefore, this amount that Midland Credit Management is trying to collect on is not mine. They made an account unbeknownst to me. Account no. XXXX. I have written to this company four ( 4 ) times to ask them for the original contract I signed and authorized with Midland Credit Management. ( Please see attached ). 

Also, they have been threatening to sue and that's against what Congress set as laws to protect the consumer. ( Please find attached ). 
XXXX False, deceptive, or misleading representations or means

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-17
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
requested to have items that have been closed and/or sold or transferred removed from my credit report and some addresses deleted. they are refusing to remove even after providing information that these accounts are closed or the company no longer has them. please assist. This was submitted to all XXXX bureaus with no luck

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions 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 have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXX has violated my rights. 

15 USC 1681 SECTION 602 States that I have the right to privacy.

15 USC 1681 SECTION 604A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation