BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over 35 days and you are still reporting these items without permission and that is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
Company: Receivables Performance Management, LLC
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:
XXXX Account : {$110.00} Reported to collection agency Receivables Performance Removed from Receivables Performance in XXXX. 
Account was paid on XX/XX/2021 directly to creditor XXXX. 
2nd Collection Agency XXXX XXXX XXXX XXXX was added to credit report on 2/3 after account was paid. 

Credit reports now reflect 2 different agencies attempting to collect the same debt from XXXX after it has been paid. 

Reached out to XXXX to have collection agencies removed immediately and waS told I had to wait until they updated meaning my credit will have 2 negative/derogatory accounts for the same creditor.

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: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/XXXX I sent Experian a letter regarding inaccurate and unknown things on my report. On XX/XX/XXXX I received a letter from experian saying that this item was " updated ''. This account does not belong to me and its impossible for it to belong to me. I live in an apartment building where my utilities are included monthly. I haven't had an account for this utility in years and I have lived in this apartment since XX/XX/XXXX. I know that a full and complete investigation takes 30 days. Being that I received a response within a week tells me that the investigation was not conducted. I feel like I am being taken advantage of and that my disputes are not being taken seriously. Again, this account is not mine. Please remove this account from my credit report or I will seek litigation for the damage being caused by this account and the stress that it is causing.

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 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 a loan with XXXX XXXX. I have always made y payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with TRANSUNION & they too are withholding any verifiable proof. I believe their records are wrong. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. Please fix these accounts immediately. Id like this matter handled ASAP. Please update to OPEN/NEVER LATE. 


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 2019-05-06
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2019 a fraudulent inquiry for credit with XXXX XXXX XXXX XXXX was made on my Experian credit file. I've tried to resolve this issue 3 times with the credit bureau but have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16
Company: EQUIFAX, INC.
State: MD
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 have a XXXX XXXX XXXXXXXX. XXXX sent me forms to complete. During this time, my account was in administrative forbearance. However, XXXX XXXX reported late payments in XXXX, XXXX and XXXX. 

Most recently in XXXX, when my account entered repayment without my knowledge, they send the notice by USPS to an OLD address. My address has been updated by email and phone on three occasions in XXXX and XXXX. When XXXX was made aware, they instructed me to dispute with credit bureaus rather than fixing it themselves. When I disputed through credit bureaus, they refused to fix their error despite my credit report even showing the updated address. 

Moreover, the terms of the loan state that as a resident of Maine, I was eligible for loan discharge due to XXXX XXXX XXXX proven by the form they required my doctor to complete. Yet, they continue to deny, delay and refuse to fix my credit report which caused me to lose a mortgage and reduced credit rating. 

XXXX continues to deny my discharge and is punitive with reporting. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: NY
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 a loan with XXXX XXXX and XXXX XXXX XXXX . I have always made y payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with EQUIFAX & they too are withholding any verifiable proof. I believe their records are wrong. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. Please fix these accounts immediately. Id like this matter handled ASAP. Please update to OPEN/NEVER LATE. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
The XXXX XXXX XXXX XXXX ( FDIC ) Office of the Ombudsman XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2023 Dear Sir or Madam of FDICs Complaint/Dispute Department , I would like to draw your attention to the complaint I filed on XX/XX/2023- which I sent for your attention, in which I clearly stated how I was affected personally, psychologically, and financially by the scam in which Bank of America failed to protect my funds. 
However, it is over 50 days and I have yet to receive a response regarding my claim. 
I wish I can do anything to get this complaint done or get a resolution as soon as possible, seeing as the issue at hand is a matter of urgency for me. 
My complaint is against Bank of America which did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of Bank of America XXXX 
Bank of America and other Banks do have a duty to protect customers against the risk of financial loss due to fraud and/or to undertake due diligence on large transactions to guard against the aforementioned fraud. 
Bank of America could have protected me from this ; unlike me, Bank of America knows about the existence of such scams and how you prey on vulnerable victims like myself, taking advantage of a lack of knowledge, awareness, and circumstance. Despite the irregularities in my spending and such untypical patterns, not a single contact made me question what I was doing. The treatment from Bank of America compounded by trauma and anxiety and has left me in the awful situation I now find myself in. 
Your prompt attention to this matter would be greatly appreciated! 
Kind regards, 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 2020-01-16
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have sent Navient numerous requests on how to handle my payments. Payments and overpayments are NOT being applied in the method I have directed Navient. I have tried to reach customer advocate without success on multiple occasions. 

Navient has lost my account history and has refused to provide my account history in a useful form ( xls, csv, or some other summarizable method ). They will only provide lengthy images ( unable to tabulate ) of my account history. This requires that I must enter tens of thousands of characters every month if I want to " check their math '' every month.

When I file complaints with the CFPB Navient marks the complaints as solved and no action is ever taken. In some instances directive is followed regarding overpayment, but such directive is often late. Plus I am infrequently notified of such actions. 

Communication with Navient is XXXX XXXX. I've left VM with my advocate, with the advocacy center in general, and I've emailed both too. I'm LUCKY to get any response at all. 

Other account holders are able to access their account history in a spreadsheet form.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS 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 2019-05-06
Company: SUNTRUST BANKS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had my identity stolen in XX/XX/XXXX. The thieves opened 2 credit line accounts with SunTrust bank. I found out in XX/XX/XXXX. Had a police report made and notified the the 3 Credit Bureaus. All of them is such a difficult thing to get help. almost impossible. The websites aren't clear as to what to do. The numbers they provide are not right, as they are automated and no way to speak to a person. In special with XXXX, I filed a dispute, notified them of the identity theft back in XX/XX/XXXX, printed a report with the information and as of today, XX/XX/XXXX my credit is still showing the derogatory information. 
It is absurd what a person has to go through after being victimized by thieves. Something needs to be done about these companies. XXXX XXXX is the same thing. I notified the 3 of the fraud, yet, I had to spend the day talking to them.

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: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I refinanced our home in XXXX through a company called XXXX XXXX XXXX. It was bought out by another company called Mr. Cooper in XXXX. We made an extra payment of {$1300.00} that was supposed to be transferred over to Mr. Cooper ; however, they stated that they did not receive it. After calling them and disputing the situation, they found the money, and on XX/XX/2021, they sent an email that they have the money, and it was forwarded to Account services to apply the funds. We received a statement on XX/XX/2021 that said that our payment was due on XX/XX/2021, which was the correct date that it was due since the extra mortgage payment was applied. We were content and thought everything was taken care of. In XXXX, we check our online account, and suddenly our payment changed to XX/XX/2021. My husband called in the evening, and Mr. Cooper 's representative told him that the money was put in the wrong account number. I called again in the morning that same day, and they said it was still in the account services department being processed, which has been there since XX/XX/2021, according to the last email. According to XXXX from escalation, it will take XXXX business days. If that's the truth, it should have already been taken care of in XXXX. This company has many complaints on the XXXX, and I have made another complaint to the Attorney General. We are tired of dealing with this companies ' disorganization and would like the agency to reach out to them and monitor their business practices, so other consumers do not have the same fate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Maximus Education, LLC dba Aidvantage
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made the following two payments to my student loan servicer, AIDVANTAGE : 1 ) {$3000.00} - Payment via check delivered XXXX - check deposited on XXXX 2 ) {$380.00} - Payment via check delivered XXXX  - check deposited on XX/XX/ AIDVANTAGE Phone Number and Mailing Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have made several calls to AIDVANTAGE to ascertain the status of my payments. 
These calls were made on XXXX XXXX XXXX XXXX XXXX 
AIDVANTAGE simply states no payments have been made to my account. I have attached proof that both checks were received and deposits were made by AIDVANTAGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2023, someone fraudulently attempted to open several credit accounts and the inquiries appeared on my credit reports from XXXX and XXXX. XXXX responded in a professional way. I have been unable to get XXXX to remove the hard inquiry for XXXX, XXXX XXXX from my credit bureau report to date. I have made repeated phone calls, have sent them every requested bit of information and it still has not been removed. Today 's service rep told me that they had removed the XXXX XXXX inquiry from my report. However, the XXXX inquiry was for XXXX, and XXXX removed it upon my first request plus supplying them with some additional information. 
I have again called XXXX and requested that they again contact the credit bureau. I will also send them a copy of this report and a copy of my social security and driver 's license for the second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, 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 reinvestigated my credit report, I realized there are remaining information were reported as erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts below : XXXX XXXX Balance : {$7300.00} XXXX  XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS 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 explanation
Consumer complaint received 2019-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had my identity stolen in XX/XX/XXXX. The thieves opened 2 credit line accounts with XXXX XXXX. I found out in XX/XX/XXXX. Had a police report made and notified the the 3 Credit Bureaus. All of them is such a difficult thing to get help. almost impossible. The websites aren't clear as to what to do. The numbers they provide are not right, as they are automated and no way to speak to a person. In special with XXXX, I filed a dispute, notified them of the identity theft back in XX/XX/XXXX, printed a report with the information and as of today, XX/XX/XXXX my credit is still showing the derogatory information. 
It is absurd what a person has to go through after being victimized by thieves. Something needs to be done about these companies. Trans Union is the same thing. I notified the 3 of the fraud, yet, I had to spend the day talking to them.

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 2023-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022 I purchased a program that was supposed to be mortgage leads, and it ended up being a scam so I disputed it. Capital one and XXXX had miscommunication and XXXX wired the money to the middleman company called XXXX XXXX XXXX has banned the gentleman who was scamming people, yet still has my money even though they say they do not have my money one minute and do the next. Both companies are claiming they don't have the money and this was a clear scam and now seems one of the companies are committing fraud or lost the funds. We were told I was getting the refund multiple times and never has happen. The last straw was XX/XX/XXXX when they said I would get my refund, and I somehow had my account " blocked '' that day ... ..This is an absolute mess and I have been paying interest on this charge since XXXX. I am extremely strict with my finances and have never not made my full payment, and this is one costing me money each month in interest, and reporting on my credit. PLEASE help me!!!!! Something is going so wrong and its been 10 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: IN
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:
On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation