BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-20
Company: Maximus Education, LLC dba Aidvantage
State: DC
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 submitted a complaint regarding Aidvantage to the CFPB on XX/XX/XXXX. The CFPB and Aidvantage did not resolve my complaint. 

Aidvantage has been communicating to borrowers, including me, suggesting the urgency of enrolling in autopay. They then scheduled student borrowers to begin automatically making payments in XXXX despite the federal freeze going until XXXX. 

I have now received an apology from them saying they failed to send me info about my account in XX/XX/XXXX but they are sending it now. See attached image. The communication clearly is about me being enrolled in autopay but it also mentions the federal freeze. 

It is clear now that Aidvantage failed to notify borrowers of their enrollment in autopay because the company knew many borrowers would unenroll if they were away of the federal freeze on payments and XXXX intention to ignore it. 

CFPB needs to actually take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 U.S.C 1681 Section 602 A. States I have to the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-01-30
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$77.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$880.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: EQUIFAX, INC.
State: LA
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 submitting this complaint myself, and to inform you that there is no third party involved in the process. I have attempted many times on a consistent basis to get the issue resolved with Equifax. Equifax has not complied with the Fair Credit Reporting Act 15 USC 1681 within the time allotted by law and has continued reporting the inaccurate and incomplete account to my credit report. On the report, it states the account was closed XX/XX/2021, but also states a payment was made XX/XX/2021, with a balance. Equifax is stating a payment was made on a totally different datr mm. Equifax is reporting a chargeoff only on payment history. There is no way a C/O can be reported as payment history. It's completely wrong and I do not agree with what they are doing. The FCRA states that all credit reporting agencies must report identical information and complete an investigation in 30 days yet this has not happened. However, Equifax is reporting incorrect information which they have been doing for months. I do not agree and what's being reported is not lawful. At this point, Equifax has affected my ability to obtain credit. I have not gotten any assistance whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not received enough information from the collection agency, they did not called me. I thought my insurance company paid the amount in full. I did provided the hospital with all my insurance information and I believe they did not follow up the insurance. They forwarded the account to collections agency., who reported me to credit B.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX Account XXXX XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2021-06-16
Company: FIRST HERITAGE CREDIT LLC
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:
I have a closed account on my credit report from a company called First Heritage Credit that I am not aware of. I have never had any dealings with this company. I contacted them onXX/XX/2021 to see what it was and asked them to remove it. The representative was rude and I was told to dispute with credit bureaus and got hung up on when I started to site the law to them. When I disputed with the credit bureaus it came back as valid debt. 

There are so many things wrong with this reporting which is a violation of 15 U.S. Code 1692g - Validation of debts 1 ) I NEVER receive a notice about this alleged debt- ( Violation of FDCPA ) 2 ) The credit bureaus ( XXXX XXXX XXXX XXXX XXXX  ) reported inaccurate information that was NOT VALIDATED instead went by the words of the creditor and not the consumer. ( Unfair practices ) 3 ) This company failed to provide me with debt verification that this alleged debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
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: Investigation took more than 30 days

Complaint:
Hey I was taken advantage of due to non-practical laws being broken due to XXXX by your company. This is causing financial injury. This destination of character. I can't get a job. I can't apply for credit. Hey I can't even get a loan due to this pandemic under this crisis. It bureaus hurt my ability to obtain credit. I sent in the letters on XX/XX/2021. Then I sent in the next letters on XX/XX/2021. They fail to send me a notice within 30 days. This is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
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 OF XXXX, Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have to the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-02-02
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:
Data breach information was compromised. don't recognize account

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 2022-06-15
Company: BANK OF THE WEST
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have reached out to BANK of the West and requested that they remove the inaccurate late payments from my credit report. Bank of the West continues to report monthly to XXXX XXXX, XXXX, and XXXX nearly ONE YEAR of late payments when in fact the attached documentation will reflect that I paid faithfully in full the entire time that the report is reflecting adversely. If I had EVER been late ( which I was not ), I would have been contacted by the lending institution to resolve the matter. I have never received any correspondence from Bank of the West suggesting that I was late even ONCE let alone for an entire calendar year of 2019. I have attached a copy of my credit report which reflects 12 incorrect late payments in the year 2019. As you can see from the attached documentation, PROOF of on-time payments, but you can also see the discrepency in the credit bureau reporting that I HAD never once been late before or after the months in question. This is a clear violation of my rights under the FCRA which requires ACCURATE and TIMELY credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hi there Im trying to write this letter regarding my Experian showed negative late payment made my score look so bad that I can not get my house loan refinance! Please help me The Experian information its not correct! 
Need your help to remove it! 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, 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 need all three credit bureaus to re-investigate all negative items in collection on my credit report. Please tell me how this was done, whom you called, or how you vertified any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
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: Information belongs to someone else

Complaint:
My information was exposed in a data breach and I have accounts listed on my credit report that does not belong to me. I've followed all the steps the FTC instructed me to do but the credit bureau refused to remove the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: HYUNDAI CAPITAL AMERICA
State: NJ
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:
I was 52 day late for payment on XX/XX/XXXX and tried to make a payment. The online would not allow me to make the payment. ( I have attached a copy of the Screen ) My account was not available for payment. I called after a second try and the representative told me that my account was okay for the payment did not uderstand why we couldn't put it through. Since I was at work, I didn't have time to talk with her, but I told her I would call back. On the XX/XX/XXXX they repossessed my car, after the majority of the loan has been paid. Erroneiously, I was under the impression one had to be ninty day late before a car would be repossed. The account on the paper work makes it appear that three payments were due, but the second one was just coming due and that's why I wanted to pay it before the second one became due. Additionally they company XXXX the person they contracted with to get a tow company was on the phone with me for over an hour trying to get the tow Company XXXX XXXX XXXX to allow me to get all my belongings and the wouldn't.

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 2022-02-20
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
We opened a checking and saving account with citi bank in XX/XX/XXXX. They had a promotion that would deposit {$700.00} to our checking account after three months under certain conditions. We satisfied these conditions. However, after three months, in XXXX they closed our checking account without even notifying us. In XX/XX/XXXX, we contacted them asking about the {$700.00} promotion credit, they said that they tried to deposit it but our account was closed ( they closed it without our knowledge ). They asked us to open another account so that they can deposit {$700.00} again. However, more than 5 weeks passed and nothing happened. When we contacted them, their response was it is going to take a while. At this point, we havent received the credit yet. 
We believe that the citi bank is mistreating the customers by promising a promotional credit, then closing the customers account so that the promotional credit can not be deposited. During this whole process, we were not notified at all by the bank. Please investigate this behavior. 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 monetary relief
Consumer complaint received 2021-09-01
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:
Receivable Management Systems has been reporting failure to pay a debt on my credit since XXXX. Since I first saw this on my credit I have made multiple attempts to pay the debt over the past XXXX years recently on XX/XX/XXXX I disputed the issue to receive no response from the company. During the month of XX/XX/XXXX I have left 6 messages for their dispute department and have not received a return phone call. 

Yesterday XX/XX/XXXX I spoke with a collections representative who said she had to record the call which I understood then said " we are reaching out to you to collect a debt ''. I replied since this is recorded please make note that I reached out to you all because there has never been an attempt made to collect this debt and before you started recording you verified that you all have made no attempt to collect this debt because I live in Washington DC, which is no longer the case and has been updated on my credit file and should have been the multiple times I have called to inquire and receive a bill regarding this debt. You all even have a phone number on file that was put in service after XXXX the original date of the bill but you all are stating that you have had not tried to collect this debt and that's concerning '' and you even tried to make light that I did not have the whole account number yet I gave you the exact information from my credit file submitted by you all. In which the representative responds " I am not going to argue with you are you calling to pay the debt of {$410.00} if not I can transfer you to disputes and they may call you back. I explained I have left multiple messages for them and received no response and she replied well I can't help you. 

This company chose to not bill me in Washington, DC because legally they could not pursue my medical in DC. Now, since I have moved to Maryland a state where they are able to enforce collection efforts they have not but they now want to charge me a fee for the time they could not legally collect payment. They are now charging me 3 times the original payment amount because they chose not to collect or send collection requests to any of the Maryland addresses that were updated in my credit file! I have offered sever times to pay the original debt minus the egregious collection fees and that offer was met with aggression. I am now willing to pay the original amount owed minus 30 % and no collection fees due to XXXX XXXX unethical and predatory collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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: Problem with personal statement of dispute

Complaint:
I sent a dispute letters to XXXX, Transunion and XXXX on XX/XX/2022, respectfully requesting to be provided proof of alleged. debt accountss reporting falsely on my credit report, specifically requesting the contracts, notes or other instrument bearing my signature of accounts submitted and no proof was submitted to me. The results came back as " Updated '' only with no proof of so I am filing a complaint for their failure to comply with my request under federal law FCRA XXXX provisions.

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 2019-11-24
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: Their investigation did not fix an error on your report

Complaint:
Multiple unauthorized inquiries listed on credit report. I disputed items with the credit bureau and was advised that the inquiries were authorized. I disputed again, asking for proof that the dispute was investigated. I never received any proof that the dispute was investigated, nor were the unauthorized inquiries removed. It is my contention, that without any proof that the dispute was never investigated and is a violation 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 2017-07-19
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:
This is account for XXXX XXXX XXXX XXXX is not my account I notified XXXX XXXX on this but they refuse to delete it. Amount 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 2022-06-15
Company: National Credit Adjusters, LLC
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: Old information reappears or never goes away

Complaint:
I am writing consumers because I contracted XXXX XXXX and I was XXXX XXXX before that my car was broken into my social security card, credit cards and identify was compromised, which cases incorrect reports on my credit report. XXXX XXXX XXXX XXXX  ) is showing {$600.00} debt that is incorrect/fraudulent transaction I never got a loan with speedy cash needs to be removed off my credit history, XXXX shows {$110.00} which isnt correct I get essential Internet I have uploaded my bill showing thats not correct needs to be removed and Indigo credit card was stolen including my social security card, unauthorized transactions and I filed on my insurance for theft & police report was submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: Experian Information Solutions Inc.
State: NV
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 XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  XXXX Account XXXX XXXX, XXXX  XXXX Account XXXX XXXX, and XXXX XXXX XXXX  XXXX  Account XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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