BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-14
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2019-07-30
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 information incorrect

Complaint:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06
Company: CAVALRY INVESTMENTS, LLC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified in XXXX of XXXX that Cavalry had purchased a debt from XXXX and claimed I owed {$5900.00} and began reporting a collection to all three credit bureaus. The original debt is from XX/XX/XXXX. I disputed the debt and Cavalry has not provided adequate documentation showing that the debt is valid or belongs to me. Cavalry is also reporting false and inaccurate information regarding the age of the debt. As I do not believe that this debt is not valid, I have requested to have the matter be settled via arbitration and have served both Cavalry and their law firm with a demand for arbitration. Cavalry has not responded to the arbitration demand and continues attempts to collect the debt in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am so bewildered about this situation. I've submitted this complaint XXXX  times & CFPB & EQUIFAX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm beyond annoyed. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & EQUIFAX with an affidavit & FTC fraudulent report to support my position. It seems EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  A XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: EQUIFAX, INC.
State: IL
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:
After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see the enclosed document

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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: Information belongs to someone else

Complaint:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} 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 2021-12-21
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I paid off the lease in full on XX/XX/XXXX as I was planning on selling the car to the local XXXX dealership. After I paid the lease off the dealership said I would need to wait for the title and that it would be better to reverse the final payoff and they would take the car in on trade. They called on XX/XX/XXXX for me and requested that the final payment I made of {$25000.00} be reversed. I authorized it over the phone and they told me they would send me a check within 21 days. I called Mercedes Benz Financial XX/XX/XXXX and spoke to XXXX who told me they mailed me a check on XX/XX/XXXX to my home address. I checked with my local post office since that was too long for mail to take and was told that it was not in that days mail. I called back on XX/XX/XXXX and spoke with XXXX who told me again that they showed the check was mailed to my home address on XX/XX/XXXX and after I told her I had not received it she said that I could request a new check and that they would overnight it to me but we agreed to wait until Mon XX/XX/XXXX to see if the original check showed up and that she would call me to see at XXXX. She never called me the entire day and I still do not have the check so I called back again on XX/XX/XXXX and spoke to XXXX. I requested to speak to a manages as it was my XXXX call and I was getting no resolve and they owe me a considerable amount of money that frankley should not be sent regular mail ion the first place. I them went through it all XXXX XXXX again and she put me on hold and came back and told me that the money is not due to me and that they sent it to the local dealership on XX/XX/XXXX, I checked with the locak dealership and they have never received the money. I formally ask Mercedes Benz Financial to return my money in the amount of {$25000.00} immediately via overnight to my home address as this is unreasonable and at this point they are saying they gave it to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Over 30 days ago, I sent an investigation request to the credit bureaus and they haven't responded yet.

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 2019-09-25
Company: Experian Information Solutions Inc.
State: AR
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:
EXPERIAN ONCE AGIN IS THE ONLY CREDIT REPORTING XXXX XXXX XXXX XXXX IN ILLINOIS, THE OTHERS DELETED YEARS AGO.

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 2022-01-27
Company: AES/PHEAA
State: OH
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:
I graduated with mXXXX XXXX XXXX XXXX in secondary XXXX education from XXXX XXXX University in XXXX. I then continued on to get my XXXX XXXX XXXX in secondary education with a concentration in XXXX in XXXX. During that time, I was a beginning teacher in XXXX Ohio, only making $ XXXX a year. I put all of my loans in forbearance because I could not afford to pay them. I don't remember how long they were in forbearance, but it was for several years until I could afford to repay. I never wanted to NOT pay. Because of these loans, I received an education which can never be taken away from me. However, I truly believe that these loans that were in forbearance should be counted towards the PSLF program of which I am enrolled. 

I have also turned in my proof of employment in XXXX of XXXX, but I have not received word as to whether my loans will be forgiven. More Transparency and communication with PSLF would also be helpful. 

The fact that college used to cost {$50.00} a semester compared to the cost I paid ( approximately {$2500.00} a semester ) is outrageous. On top of that, there's interest. For the PSLF, interest should be lowered, forgiven, or non-existent. Teachers can not afford the cost of college, including the interest. What the government does to people via student loans is a shame! People across the country should be outraged. 

Only a few months ago, my loans for the PSLF program totaled {$76000.00}. Now, because interest rates went up, my loans total $ XXXX. This amount is even more difficult to repay than the previous $ XXXX. I feel like I'm drowning. 

I am also a XXXX survivor. Mine & my husband 's savings is gone due to medical bills for treatment & surgeries. I believe that the XXXX should also take into consideration one 's medical debt for canceling. I have no issues providing documentation of my treatment. 

How do I leave a legacy for my child? The debt is crippling. Cancel student loan debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: AMERISAVE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Amerisave 's response to CFPB # XXXX doesn't resolve the issues as I described. 

It appears no one took the time to pull the closing documents or reconciled the escrow account against the projections mailed last summer as the starting balances don't correlate to any any online amounts. Their response tells me, I do not have a property tax escrow established even though the legal documents they created for closing advise something different.

Amerisave is acting in a deceptive manner for two reasons : ( 1 ) I was advised I would receive a credit at closing during the processing phase due to continual delays for my home closing and being asked for unnecessary documents. If the aggregated adjustment is a federal calculation, then where is my service credit for the gaps during the acquisition/processing of the loan? ( 2 ) As previously stated, it appears no one is looking at the closing documents to validate the information I am providing nor has someone validated the CD and the on-boarding of the loan was accurate as my closing disclosure clearly reflects my escrow includes property taxes and homeowners insurance ( CD provides a monthly escrow amount of {$610.00} ). It specifically lists a 6-mo requirement of {$2700.00} ( 6* {$460.00} ) and 3-months of HOI {$450.00} ( XXXX ) = {$3200.00} - aggregated adjustment {$1300.00} = {$1800.00} ( this exceeds my annual HOI amount ). 

Had someone on-boarded my loan accurately, the amount of the initial escrow would have been {$1800.00} and not {$440.00} ( as this is what occurred ). Had someone conducted the due diligence to validate the loan was on-boarded accurately, this error would have been caught inXX/XX/XXXX. It appear Amerisave may not have controls in place to mitigate this risk. Due to the continued failure of taking ownership of their commitments and fulfilling their role in good faith, their errors are causing consumer harm as I am now financially impacted. After talking to several people and not getting an appropriate response, I began sending additional escrow funds each month to bridge their initial & continuous errors to ensure funds are available to pay my XXXX property taxes. My taxes would have been delinquent on Tuesday, XX/XX/XXXX, as Amerisave failed to complete their responsibility as defined in the closing disclosure that was signed in early XXXX. I used a credit card to pay my XXXX property taxes as Amerisave has my money that should be used to pay it. As of today, my escrow balance is {$7800.00}. This is more than 4 times the amount required for my HOI. I would not have made these additional payments into my escrow had I known Amerisave was not going to pay my property taxes.

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 2023-10-30
Company: Maximus Education, LLC dba Aidvantage
State: TX
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:
I applied for the SAVE repayment plan in XXXX. It is still not reflecting on my account. I have been told numerous times that it would be fixed or escalated. Nothing has happened. I call and get no response at times. Aidvantage keeps telling me to place my loans on forbearance but that does not fix the problem. I will still accumulate interest and my balance will grow. Aidvantage will make millions more due to processing these applications incorrectly. I was told by one supervisor that it was an error on their side. I was told they are not willing to reimburse me for their error. I am paying over 4x what I should be paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: WA
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:
Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-02-23
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Truist takeover over BB & T is a disaster.

Truist " claimed '' access would be restored Monday XX/XX/22. 
That was just one of many lies. 
Monday ( XX/XX/22 ) they verbally promised emails to reset my password by sending me a reset email. The emails nevet came, nor are they in my " junk '' file. 
THEIR excuse was for their inability to restore access " you must have an old phone! 
The problem is Truist. 
NOT my phone, An offer of a text was never given. 
Today ( XX/XX/22 ) Truist 's system bot said it would send a text message with a reset link. 
No text. 
Another full system check on my phone, Again, nothing is wrong.

They are lying to custimers, treating them like XXXXs, and blaming others for their own negligence, I am XXXX, on Social Security, have to isolate, Truist has all my money, but I can not pay my bills! 
Thankfully, Social Services paid my electric bill. 
Truist has already refused to talk to me ( & hung up on a call ) because of my XXXX & need to record conversations for clarity. ( Legal in my state, guess Truist is " special '' ) Complaint for that was filed Monday, XX/XX/22. 
Please help. 
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 2018-08-15
Company: WILSON & ASSOCIATES, PLLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a letter from the foreclosure Attorney Wilson & Associates for a property foreclosure sale on my home XX/XX/2018.

The letter is dated XX/XX/2018 and I received the letter XX/XX/2018.

In my research I found information that pertains to the Tennessee law that states the homeowner is to be given 30 day notice prior to the property foreclosure sale. I've submitted a modification request to XXXX XXXX with financials.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have contacted the 3 credit reporting agencies several times, the agencies are putting information on my credit report without my permission. They are violating 15US code 1681c-2a consumer reporting any information in the file of a consumer identities as information that results from an alleged identity theft. These accounts should NOT be furnished on my consumer report as they are in violation under 15 US code1681b permission purpose of consumer report ( a ) in general subject to subsection ( c ) any consumer report agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT is IDENTITY THEFT. As Consumer, Iam demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: Alliance Collection Agencies, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Alliance Collections, of XXXX, Wisconsin, ( XXXX ) XXXX, keeps on calling me. I don't want them to call me. I paid my bill in full at XXXX XXXX. The last payment was on XX/XX/2022, which brought my balance to {$0.00} due. However, Alliance Collections continues to repeatedly call me - even today on XXXX, which is some sort of harassment. I spoke with the representative at Alliance Collections today, and I asked them to stop calling me. I told the representative that my balance at XXXX XXXX was {$0.00}. I want Alliance Collections to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Over 30 days ago, I sent an investigation request to the credit bureaus and they haven't responded yet.

Company response to consumer: Closed with explanation