BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-28
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 was checking my credit an notice that there were some fraudulent accounts on there Iam a victim of idenity theft was involved in XXXX XXXX where i was XXXX XXXX XXXX i have police report some one was using my driver license for speeding tickets was investigated & on police cam it shows it was not me also i have hospital records from XXXX XXXX as well i will attached those as well i just need to get my life & credit back to normal so if you can help assist me with that i would be more then appreciated.

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 2023-05-08
Company: Experian Information Solutions Inc.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I respectfully ask that you conduct a comprehensive investigation into this matter, recognize the mistake, and expeditiously correct it by removing the unauthorized inquiry from my credit report. Your immediate attention and resolution of this issue are highly valued and appreciated.

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 2022-09-26
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: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE REQUESTED OVER AND OVER AGAIN THAT THIS NEGATVE INFORMATION BE REMOVED. I HAVE ABSOLUTELY NO KNOWLEDGE OF THIS NEGATIVE ACCOUNT, AND THE INQUIRY THAT WAS PLACED DUE TO THIS NEGATIVE ACCOUNT. I HAVE FILED ANOTHER POLICE REPORT ON MY BEHALF DUE TO THIS INFORMATION THAT IS BEING NEGATIVELY REPORTED AND HINDERING MY FUTURE. THIS HAS RESULTED IN A CREDIT INQURY AS WELL.

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 2023-08-28
Company: Experian Information Solutions Inc.
State: MO
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:
15 USC 1681a2 I did not give written or verbal permission to have these accounts furnished on my report XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-10-21
Company: Maximus Education, LLC dba Aidvantage
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have tried to make a payment to Aidvantage twice now. Once on XX/XX/2023 for the amount of {$54.00}, I received an email from the company stating that the payment was submitted and my loan balance returned to XXXX  after receiving an email stating that the payment was posted on XX/XX/2023. However, the payment was never posted to my bank ( XXXX XXXX  ) and a few days later the payment was reversed and my loan balance returned to the original amount. 
I attempted to pay again on XX/XX/2023 for the same amount and was met with the exact same problem after receiving the " payment posted '' email on XX/XX/2023 At this point the company is going to place me with a past-due balance even though I have the money to pay them. I've noticed that this had been a problem for multiple people with the same loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
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: Investigation took more than 30 days

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: Experian Information Solutions Inc.
State: AL
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 convertgent account # XXXX, XXXX, XXXX, XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. stats i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without mt 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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
For over a year I have been disputing these incorrect items on my profile. These items belong to my father. 

XXXX XXXX P. account number # XXXX {$320.00} XXXX XXXX Quick sliver account # XXXX {$610.00} XXXX XXXX Bank Account # XXXX {$910.00} XXXX XXXX Bank account # XXXX {$680.00} XXXX XXXX XXXX services account # XXXX {$940.00} XXXX account {$740.00}

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 2023-09-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 according with the fair Credit Reporting Act XXXX  Account XXXX ( XXXX XXXX ) 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 furbish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit 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:
Fraud services ... disputes not resolved since XX/XX/2023 Also, wrong credit limit... it is higher ... wrong APR ... rewards not given properly .... 

Reported to abuse email, bank of America XXXX at XXXX XXXX Texas branch, blacklisted blocked persecuted ilegally restricted victimized forgery Also car loan .... identity theft ... XXXXXXXX XXXX XXXX  ... XXXXinvestigated..no solution Not able to attach police reports, XXXX and FTC report is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 Acct # XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have a right to privacy 15 USC 1681 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 a late for any 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 2023-10-23
Company: Ocwen Financial Corporation
State: AR
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
XXXX XXXX ( my mom ) passed in XXXX XXXX.I 've ( XXXX XXXX XXXX remained in contact with PHH regarding our intent to improve the property & sell or purchase outright. On XX/XX/XXXX we received a payoff statement reflecting a XXXX for a legal fee of {$2300.00} which they claim was used to start foreclosure. I was not made aware of this. In fact, I spoke with them on the evening of XX/XX/XXXX to request a payoff and inform them that they would be receiving a sales contract. There was no mention of foreclosure. The sales contract was sent to them on XX/XX/XXXX. On XX/XX/XXXX they came to the property drilled out a deadbolt and gained entry. I had just left but returned while they were there. I'm requesting they deduct the legal fees from the payoff amount. 

Other unapproved charges include title examination fee of {$380.00}, and {$580.00} in landscaping fees and inspections. I want these charges removed as well. 

We've had the yard professionally maintained. they claim HUD requires them to mow the yard at our expense? According to HUD this is not true. The company they hired to actually made the lawn look worse. It looked like it had been done with a weed eater and the driveway and sidewalks were full of clippings. We couldn't figure out what kept happening and we were asking neighbors if they knew who was cutting the grass. When I received the payoff notice I realized it had been PHH. The amount they're attempting to charge is double what we pay to have the yard cut. 

This is their way to nickel and dime customers out of thousands of dollars. With reverse mortgages it generally comes at a chaotic time for families. PHH is taking advantage of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Checkr, Inc
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Checkr is a third party business running background checks for other companies. In my case, they ran a background check on behalf of XXXX, XXXX but did not provide accurate Motor vehicle report. I have contacted Checkr on several occasions through multiple emails and phone calls but I have not gotten a resolution. My issue with Checkr is a section of the report that indicates my previous license from State of Nebraska is/was suspended. However, my NE driver 's license has never been suspended. There is part of the report that shows XXXX XXXX XXXX and Checkr is reporting this has SUSPENSION when in fact it means I legally surrendered the Nebraska license in order to obtain Texas License. The NE DMV abstract indicates this under withdrawals and clearly States that my license was transferred to Texas on XX/XX/2023. Checkr has failed to resolve the issue even after I provided them with an abstract I obtained from Nebraska DMV. My account with XXXX, XXXX was deactivated and as a result, I have suffered a major loss of income and undergone mental pressure due to Checkr failure to provide accurate information and failure to resolve the problem. Checkr has failed to acknowledge an abstract I obtained from Nebraska DMV which I was directed to by NE DMV official and has also failed to request accurate DMV report from Nebraska DMV. I gave Checkr 30 days to resolve the matter but has since been over 6 weeks and no solution. It is my request that Checkr provide an accurate reporting so I can reapply for my account to be reactivated. Please reach out to me if you have any questions. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Byrider Franchising, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX at XXXXXXXX XXXX this company CNACXXXX XXXX XXXX ran my debit card without my consent. My account is not on auto pay and they had been calling back to back for at least a week or so prior to attempting to run a transaction. They couldnt contact me and decided to run the transaction without my consent. Luckily I didnt have anything in the account. This company get customers to sign unfair contracts saying they will repo your car if you miss one payment. They have multiple complaints and suits against them already.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: Maximus Education, LLC dba Aidvantage
State: CA
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:
So on XX/XX/XXXX I made a payment for {$290.00} on Aidvantage my username is XXXX. I got a confirmation email and everything for that payment right after I paid. Days after that " payment '' I still made sure I had more than XXXX in my account in case the payment didn't go through straight away. Today I login to my Aidvantage to see the same day XX/XX/, my payment for the loan was reversed. I never requested for a refund or a reversal as that makes no sense. Also, the " payment reversed '' statement was never loaded onto the site in the last couple of days as I logged in each day to see if my payment went through. Today on XX/XX/ is when I finally seen the " payment reversed ''. Sure enough, I searched this problem up on XXXX and I see many people facing the same issue. Now when I'm on Aidvantage my payment is for $ XXXX instead of my usual XXXX thanks to this issue within the site.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: BARCLAYS BANK DELAWARE
State: KS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Regarding my now closed barclays arrival credit card. 

This is now the 4th time I've tried to get this resolved before I contacted a regulator. 

XX/XX/XXXX : fraudulent charge at XXXX on my Barclay arrivals card in amount of {$160.00}. 

XX/XX/XXXX : I logged into my account and noticed this fraudulent transaction notified barclays via customer service, spoke to two people including fraud department, was told there was nothing more I needed to do and transaction would be removed since fraud. 

Fast forward to XX/XX/XXXX, the fraud transaction posted XX/XX/XXXX. Received letter from barclays it was fraud and I wouldn't be responsible, but still have {$160.00} on my statement. 

I cal barclays again XX/XX/XXXX speak to two people including fraud department and let them know still not removed and now {$160.00} is due XX/XX/XXXX. I tell them it needs removed asap because it's fraud again and I won't pay for something that fraudulent and not sure why they let it post and still haven't removed it when I told them right away. They tell me to continue making minimum payments, no I won't. This is fraud you guys need to do your job. She says it will be removed within 24-48 hours. It's now XX/XX/XXXX which is 72 hours later and still not removed. I also write customer service via secure message and am told a manager would call me, nobody called. Cfpb needs to keep barclays accountable. I'd hate for my XXXX  or someone who is not tech savvy to have to deal with this. How mant times do I have to request they remove the fraudulent transaction? {$0.00} fraud liability means exactly that, I don't pay for fraud on the credit card. Especially given I let you know immediately, you should not have even allowed it to post. Refund the {$160.00} and do not charge me any late fees or interest. I won't pay for your incompetence.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
I want you to investigate this inappropriate information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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