BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: TX
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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I, XXXX XXXX am a victim of identity theft and have sent the required information to the following consumer reporting agencies. '' It has since been past the 4 business days required by law under 15 USC 1681c-2 and they have yet to block the information. I also want to make abundantly clear that this report of identity theft was not made in error by me, a consumer, as stated in 15 USC 168c-2 ( c ) ( 1 ) ( A ). I am seeking an immediate response from XXXX, Transunion, and XXXX reporting agencies in order to feel that this matter has been fulfilled to my satisfaction in accordance with federal 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 2023-11-04
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Aidvantage will not update my XXXX credit report to show my balance as XXXX. My student loans were transferred to XXXX in XX/XX/2023. I no longer have a balance or open account with Aidvantage. 

Total Balance showing is {$150000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
As stipulated in 15 USC 1681 section 602 ( a ) of the FCRA, it is mandated that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy. I am particularly attentive to the principles outlined in 15 USC 6801, which underscores my prerogative to safeguard the privacy of my personal information.

Moreover, 15 USC 1681 section 604 ( a ) ( 2 ) specifies that a consumer reporting agency may furnish a consumer report solely in accordance with the written instructions of the respective consumer. In light of this, it is crucial for consumer reporting agencies to uphold reasonable procedures to prevent violations and to restrict the furnishing of consumer reports to specific purposes, as outlined in section 1681b.

After a thorough examination of my credit report, it has come to my at
tention that certain accounts may not be in compliance with these regulations. Specifically, I am requesting the removal of the following accounts : XXXX XXXX XXXX - Balance : {$13000.00} XXXX XXXX XXXX- Balance : {$3300.00} In accordance with my rights afforded by 12 CFR 1016.7, I am exercising my right to opt out of certain information sharing practices. Additionally, pursuant to 15 U.S Code 6802, as a financial institution, I kindly request the provision of the original contract with the original signature and creditor information associated with the aforementioned accounts. 

Thank you for your prompt consideration of this request.

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 2023-11-05
Company: Maximus Education, LLC dba Aidvantage
State: WA
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:
Loan amount not correct and keeps changing on online portal. At one point shoed zero balance, then showed amount with what appears to be accrued interest, but no monthly payment owed or ability to make a monthly payment. Now website is down and unable to log-in. Customer service hold times are too long and keeps dropping my call on hold. can't get through to anyone and don't know what my loan amount actually is, what my monthly payment is, or what my accrued interest is. I would like to 1 ) ensure I am not delinquent on my loan as I am in the middle of underwriting on a home purchase and 2 ) I don't want to pay accrued interest if I can't make a payment, access my loan information, or get accurate loan information. I don't know how a servicer could possibly be worse than Navient, but the federal government has successfully succeeded in signing an even worse loan servicer contract. Please HELP!!! Get these servicers to respond, post accurate account information and provide adequate staffing for customer service. It's criminal to charge interest without creating an ability to pay the actual loans or access the amount owed!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: CT
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 am writing to you because you are reporting inquiries on my credit report that I do not recall. I did not authorize the inquiries below. Please review the items listed : Creditor name : XXXX XXXX Creditor name : XXXX XXXX Creditor name : XXXX XXXX Creditor name : XXXXXXXX XXXX XXXXXXXX Creditor name : XXXX XXXX Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file 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 2023-11-05
Company: MOHELA
State: VA
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:
In XXXX of XXXX, I applied for the new student loan SAVE plan, in an effort to reduce my monthly student loan payments. I currently owe over {$180000.00} in student loans ( including interest ). I received a letter from the loan servicer, Mohela, on XX/XX/XXXX, stating that I did not have at least {$30000.00} in Federal Student Loans that would allow me to qualify for the SAVE plan and an extended loan repayment. I dont know how this is possible when I do, in fact, owe over $ XXXX in student loans as stated above. 

I have been waiting for several months to receive an update on my payment plan, and I believe the information provided is totally erroneous and should be corrected as I believe that I do, in fact, qualify for a reduction in my monthly payments. This is completely unacceptable and I believe this is an attempt made by the loan servicer to try to extort as much money as possible from students who have higher loan balances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
A charge-off or canceled debt, The IRS views it as a certificate of indebtedness, essentially categorizing it as income ( IRS PUBLICATION 4681 ). Income has never been allowed on any consumer report, and it violates the Fair Credit Reporting Act. Clearly, this is a violation. I insist on the immediate removal of these accounts! XXXX XXXXXXXX XXXX XXXX These promotional Inquiries 15 USC 1681 Permissible Purposes, { {$1000.00} } fine each occurrence. I do not consent and demand you to stop and remove these third parties ... that I did not authorized. 1. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX IF YOU DECIDE NOT TO PERFORM, I WILL BE FORCE TO TAKE LEGAL ACTION!

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 2023-10-19
Company: Maximus Education, LLC dba Aidvantage
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
On XX/XX/2023 I sent in a request to view other plans after having been enrolled in the SAVE plan. The website will not show me other plans unless I cancel the SAVE enrollment for a fee, and I may be charged a difference later if I reenroll. The payment for income-driven repayment is {$960.00}, and my original payment that was not on an income driven plan was {$650.00}. I can not afford to make this higher payment, and I have had no response from Aidvantage regarding my email in over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Back around 5 years ago I had a XXXX XXXX account, it was around {$800.00}. I made all the payments on time then the company I was working FOr lost their business because of COVID-19. I decided to go back to college because it was hard with XXXX  children and no babysitter. Now in XX/XX/2023 I received a request for a wage garnishment, I filed and showed up. The judge let me know that it was approved because I didn't go to first hearing. I NEVER received anything regarding a hearing I NEVER signed for any certified mail. I was never notified. The company is called midland credit management. It was sold off XXXX  to their company. They also are wanted me to pay over {$3000.00} for a account I thought was only for around {$800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Dear CFPB, I'm writing to update you on my ongoing credit report dispute with XXXX, XXXX and Transunion regarding inaccurate information. Unfortunately, despite filing my initial dispute last XX/XX/ and exceeding the 30-day timeframe outlined in the FCRA, I have not received any response or update from the bureau ( s ).

The continued presence of this inaccurate information continues to cause me significant harm and hurting my credit credibility I urge the CFPB to take immediate action and : 1. Investigate the bureau ( s ) ' non-compliance with the FCRA.

2. Demand a prompt and thorough investigation of my disputed information.

3. Hold the bureau ( s ) accountable for the delay and any harm caused.

4. Ensure the immediate removal of the inaccurate information from my credit report if verified.

I have attached the following documents for your reference : * Copies of my dispute letters * Copies of any supporting documentation I provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. 

Sincerely,

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 2023-10-31
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
I sent a dispute to all 3 credit companies and 35 days later I have not received any update in regards to any of my disputes.

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 2023-10-31
Company: Experian Information Solutions Inc.
State: CA
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 reject your decision to decline my identity theft claim. What gives you the authority to decide if I've been a victim? You do not possess the legal standing or any right to make such a determination. If you continue to deny my claim, I will enlist the assistance of my attorney to seek a legal resolution. It's crucial to emphasize that my identity theft claim fully adheres to the law. I have submitted an official report to a federal agency as dictated by legal procedures. Let 's collaborate to resolve this issue within the stipulated XXXX timeframe. I insist that you recognize that my identity theft claim has been meticulously processed in strict accordance with the letter of the law. I have diligently submitted an official report to a federal agency, as required by the legal procedures governing such matters. There is no room for ambiguity here. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Please remove these fraudulent accounts ASAP.

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to dispute incorrect personal information that are reported on my credit report. I need this fraudulent information removed 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 2023-11-05
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
On XX/XX/2023 I was approved for the XXXX repayment plan for a majority of my loans. My monthly payment was set to be {$100.00}. 

Today, XX/XX/2023 I receive a backdated notification from MOHELA informing they've changed me from the XXXX plan to the Level/ standard repayment plan. I never requested a change, I want to stay on the XXXX. I don't know why MOHELA chose to make this change without my request or need. They now expect a $ 320 monthly payment due in XXXX. Literally triple my original expected payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: Aldous & Associates, PLLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from a debt collector named aldous & associates that I owe XXXX USD to XXXX XXXX at XXXX XXXX for personal training. I requested more documentation about the debt since i have never been to this gym branch in my life and they sent me a contract that was signed by someone else in a day i wasnt even in the United states. i was on a family visit overseas. sent them a proof of my absence and highlighted the two different signatures they have against a signature of mine that was 2 years older at XXXX XXXX VA location. they still insist that is not enough evidence and they will still persue the debt collection process. I contacted the gym branch directly and they confirmed that i have never been to the gym before yet their collection agency is still trying to collect the debt and posted it to my credit report. 
I have filed a police report as they requested and still wasnt enough for them to clear the debt. I filled a complaint with XXXX and their response to that was submitting a photo evidence claiming it was myself at the gym the day of the contract and apparently it is not a photo of myself. Done more investigation regarding the matter and found out the person in the photo they submitted belongs to another individual holding the same name as myself. I reached out to that person and he confirmed that he had ongoing issues with that gym and he is getting collection letters from same collection agency. I replied to that evidence with a photo of myself and called the agency with the other person file number on their system. 
They just hang up the phone and not do anything regarding the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: TX
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2024-01-03
Company: ALLY FINANCIAL INC.
State: KY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
After depositing a government check for over {$30000.00} on XX/XX/XXXX to Ally Bank, entire account has been locked and I can't access funds that were deposited prior to the deposit to pay bills.

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 2023-02-28
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:
Recently i reviewed my credit report and found unverifiable, and inaccurate items that were reported that were not 100 % correct. 

As you know it is against the law to report any information not proven accurate. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 168e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
It is with great concern that I note your bureau 's insistence on reporting these accounts as accurate, despite a lack of sufficient evidence to support such claims. This raises serious doubts about the veracity of the reported information and its compliance with the Fair Credit Reporting Act ( FCRA ). I was the victim and Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. I must emphasize that the burden of proof lies with the credit reporting agencies to substantiate the accuracy of the information they report. In the case of the late payment accounts in question, I have yet to receive any verifiable evidence confirming the accuracy of the reported late payment dates. The absence of such evidence leads me to question the validity of the reported information and its compliance with the standards set forth by the FCRA. 
XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
In light of the aforementioned concerns, I hereby request the immediate removal of the inaccurate late payment information from my credit report. If there are any discrepancies or lapses in payment, it is imperative that the bureau rectify these inaccuracies promptly. I expect that the bureau will adhere to its responsibility of reporting accurate and up-to-date information, and any failure to do so would be a violation of my rights under the FCRA.

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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.

has violated my rights. Or a list of inquiries : 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