BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-21
Company: Maximus Education, LLC dba Aidvantage
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I can not log onto Aidvantage website. I dont know much information regarding my loan balance or the switch from my previous loan service provider XXXX XXXX I have not received a call and only received an email from Aidvantage welcoming me to Aidvantage. I am not sure whats going on with my student loans. Not knowing any details about this and not being able to log on is a huge issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Elevate Recoveries, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to the hospital in XXXX and received 3 different bills as expected. I had paid all the bills and was making payments on 1. I made the payments as required and when it was all done I received a refund of XXXX for over payment. In XXXX this account was filed on my credit report, to which I filed a dispute, proved my payments, and it was removed. This same account is now back on my credit report from a different collection agency. On XX/XX/XXXX I received a phone call from Elevate recoveries LLC saying I owed XXXX, I said that can not be true and I have confirmation numbers of payments. They said confirmation numbers do not help them because it was not their numbers. They can not give me any information that I ask and have no idea who what when or where, they just know I must pay them. I said I would like a copy of everything they had and to send it to my new address. She said she would not do that and that she could send me a statement but with no payments or anything accounted for. Within 15 days they put it on my credit report without sending me anything. I called them was put on hold and no one ever picked up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
XXXX times I 've tried ( with different browsers - XXXX and XXXX ) to obtain my credit report. The last time I received my credit reports was probably 2 years ago, so I 'm certainly within my time frame right. Even after resetting XXXX browsers ( deleting all cookies and history and restarting my computer ), AND FILLING OUT ALL THE INFORMATION, THEN TAKEN TO A XXXX PAGE WHERE THE INFORMATION WAS CONFIRMED, I received an error message that my request could not be completed. I was then directed to a phone number to obtain my credit report. After going through the tedious and time consuming process of entering all of my information on the phone when I reached the point where I was provided the opportunity to order my credit reports, the system prompted me to enter XXXX for XXXX of the company reports - I do n't remember which, Experian, XXXX, whichever, XXXX for the next, XXXX for the XXXX ( I 'll call them x, y and z for the balance of this text ). I pressed XXXX ' and there was silence. After a long wait the system repeated - as if I 'd never pressed a key - " XXXX for x, XXXX for y, XXXX for z. '' This time I repeatedly pressed and spoke " XXXX. '' Again after a long wait the system repeated the question again : XXXX for x, XXXX for y, XXXX for z. I hung up and tried again through the whole process. This time after finally reaching the point where the system prompted me I repeatedly pressed XXXX. ' I THINK the system recognized my input because I then received a prompt for " Press XXXX for another report, XXXX if you are finished. '' I pressed XXXX repeatedly and received the response " thank you, good bye. '' Clearly, the 'Free ' is not forthcoming. The on-line system failed and the phone system that I was directed to failed as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-04-21
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, and XXXX XXXX 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

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 2016-02-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Credit determination

Complaint:
I applied for a credit card from Capital One Bank ( USA ) , N.A . and was refused. The XXXX ( XXXX ) reasons they gave to refuse issuing the card were that : 1 ) " based on my credit report from XXXX, too few or no revolving accounts have a balance. '' My letter to them informed them why that is so - " I pay my credit card bills every month in full -- generally on the day the bill arrives in the mail. '' 2 ) " based on your credit report from XXXX, there are too many new revolving accounts. '' My letter to them informed them that " I have no new revolving accounts. The last account I opened was probably at least eight ( 8 ) or nine ( 9 ) months ago. And, in fact I have only XXXX ( XXXX ) revolving accounts that are in active use. '' 3 ) " Based on your application information, income is insufficient for requested credit. '' My letter to them informed them that " my income -- approximately XXXX per year ( I am retired ), plus having over {>= $1,000,000} cash in savings accounts -- is more than sufficient for the requested credit card. Note, too, that my credit score -- XXXX out of XXXX -- is probably higher than the majority of applicants who request, and are granted, a card from your bank. '' In short, it appears that Capital One Bank ( USA ) , N.A . is refusing to issue me a card because I pay my balance in full every month. That 's no reason to refuse to issue a card and should not be allowed. 

My credit rating is about as good as you can get, and always has been. I do n't need a Capital One Bank credit card -- in fact, I recently received in the mail an unsolicited offer from XXXX XXXX to apply for their card which I did, and was approved for immediately without issue. However, I am stunned and angry that Capital One would continue to deny me a credit card after I pointed out to them that their reasons were totally incorrect. 

That card offers several unique benefits and I want that card issued to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My experience with the credit agency TransUnion Was highly disturbing to say the least. They violated me on numerous occasions when it came to defaming my name on regards my credit profile. They failed to comply with the errors I brought to their attention several times. Furthermore they required me to send them a written letter to prove my personal identity aswell why it should be deleted. When the total matter of the situation shouldve been resolved verbally when I called in to have it removed the first time. They agreed to furnish my credit without consent, along with other third party creditors who participated in the same deceptive acts. This lead to the illegal defamation of my consumer profile which has prevented me from applying and being approved for things such as credit cards, houses, and cars that I rightfully shouldve been approved for. Im reaching out to seek remedy regarding the matter before it has to result in a state level lawsuit.

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 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXXXXXX {$11000.00} XXXX XXXX {$14000.00} XXXX   XXXX {$6600.00} XXXX XXXX {$6400.00} XXXX XXXX {$4600.00} US DEP ED XXXX {$9500.00} US DEP ED XXXX {$4200.00}

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 explanation
Consumer complaint received 2018-01-09
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Transworld Systems Inc is reporting a debt collection account with the original creditor of XXXX XXXX XXXX XXXX. I never received notification of the debt owed, nor did I receive notice of my rights to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My payment is due on the XXXX of each month. I make my payments on the XXXX of each month. They fool around and do not process my payment until after my due date and then charge me a late fee of {$40.00}. This is happening every single month. The company is Capital One. I have a " XXXX XXXX XXXX card. They are located in XXXX XXXX XXXX, Utah. Their phone number is : XXXX. I hope I've given you enough information to solve this case. I do not know who I have spoken with as I have called and tried to resolve this problem " MANY '' times. 

help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I OPENED A CARD WITH CAPITAL ONE RESPONDING TO A PRE APPROVAL OFFER. I GOT THE CARD SENT TO MY SISTERS HOUSE IN WHICH I WOULD BE STAYING BECAUSE SHE HAD A XXXX AND I HAD TO MOVE IN TO TAKE CARE OF HER. I ORDERED THE CARD TO HELP TAKE CARE OF HER MEDICINE EXPENSES MONTH TO MONTH. I GOT THE CARD AND WHEN I WENT TO ACTIVATE IT IT SAID IT WAS A FRAUD ALERT PLACED ON THE CARD. I CALLED THE FRAUD DEPT AND THEY SAID THAT I HAD TO PROVIDE PROOF OF MY IDENTITY. I THEN SENT THEM A COPY ( FRONT/BACK ) OF MY DRIVERS LICENSE, AND A UTILITY BILL FROM MY SISTERS ADDRESS WITH MY NAME ON IT. AFTER THAT THEY SAID I NEED TO SEND IN A COPY OF SS CARD! I EXPLAINED TO THEM I DO NOT FEEL COMFORTABLE WITH SENDING OVER ANYMORE PRIVATE INFORMATION LIKE THIS - YOU HAVE MY ID AND A BILL AND THAT SHOULD BE IT. I 'M NOT SENDING MY PERSONAL AND PRIVATE SS CARD OVER INTERNET OR FAX. ITS NOT SAFE TO ME AND UNNECCESSARY. I CALLED TODAY TO CLOSE THE ACCOUNT ALL TOGETHER. I DONT WANT TO DEAL WITH CAPITAL ONE ANY LONGER AND I WAS TOLD THEY CAN NOT CLOSE MY ACCOUNT WITHOUT MY SS CARD SENT TO THEM! I HAVE NO BALANCE I WAS NEVER EVEN GIVEN THE CHANCE TO USE THE CARD! I JUST WANT IT CLOSED AND NOTHING TO DO WITH THEM. THEY ARE TRYING TO CHARGE ME AN ANNUAL FEE FOR NOT EVEN BEING ABLE TO USE THE CARD!! I WANT IT CLOSED THATS IT!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Continental Finance Company, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Stated on XX/XX/XXXX that I will be sued in XXXX for an old debt for legal fees and the amount owed that was from XX/XX/XXXX. The company stated I need to sign some papers. Company 's name continental finance.

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 2015-07-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I recently noticed on my XXXX report that XXXX XXXX XXXX has us in " collections ''. " XXXX '' from XXXX XXXX did call me XXXX/XXXX/2015, I did not receive a letter, no verification, thought it was a scam. He did have some personal information but not exact. He was " fishing '' for info. It was apparent he pulled my credit if thats possible. He was not professional, did not verify any personal information before proceeding and then threatened to take legal action if i did n't agree to pay. I called back the number to see who would answer, it was him. I did explain personal and business issues since recession, the effect it has had on our credit, our home in foreclosure, working towards modification, i did make an offer to resolve the debt but did want debt verified, his company verified, he threatened legal action. He was indignant, WOULD NOT put in my offer, again threatened legal action. He never sent verification letter after he said he would and now i see it in collections? We lost entire YEARS of income since the recession, damages and continued loss of income with NO credit available. More bills than income. House in foreclosure. How can he threaten court without verifying debt and verifying who he called. He never read rights. One year earlier i was negotiating with XXXX XXXX, that company said they would return it to XXXX and XXXX would get back to me. We continue to struggle to get our income and home back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
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:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it. Yes, if it has been 30 days since the final payment resolving your account successfully posted, PRA requested the credit reporting agencies delete the PRA tradeline related to your account from your credit bureau report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been trying to dispute a report. My tax liens have been removed as of XXXX XXXX,2015. I have a letter from the IRS notifying me that they were released. However they continue to be reported on my credit report. Each time I look up how to dispute a report I am taken to blogs about credit/collections advise. I only want this taken off my report. I am trying to buy a house. please take these off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here is the detail of the late payment accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2006, I contacted Washington Mutual ( JP Morgan Chase now holds account ) to refinance my fixed rate loan to renovate due to mold and termite damage. Instead of agreeing to another fixed rate loan, the representative showed me options of variable/interest only loans only. I mentioned that I did not want them, but he coerced me that this would be better and lower payments and that I could refinance later. I apparently did not understand anything beyond lower payments and what that would mean to me in the future. He also added a home equity LOC to my loan, which I was not aware of until I was signing papers at the Title department. I asked if I could not sign for the HELOC, but was told would need to start the refinance process all over so I reluctantly signed. Years later, my lower payment schedule retired and my payments soared. I was unable to sustain the high payments but was able to get a modification of my loan to 2.508 %. I assumed, after lengthy conversations and applications, that my HELOC would be also modified. But years later, I realize that I am in the same situation. I am VERY concerned that if I refinance, I would be starting over, with the same balance of {$150000.00} and paying on top of the interest payments that I have been paying since 2006 ANOTHER 15 to 30 plus years of finance and the bank would PROFIT. I find this VERY unfair and find myself as a victim of predatory practices. It is very disheartening that my hard earned money is just going to the bank and not my principle balance and that this could go on for another 15 to 30 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I applied for a loan with XXXX Bank on XXXX/XXXX/2016 and was denied. They showed that I applied twice for a loan on XXXX XXXX, 2016 and XXXX XXXX, 2016 which I did not do. Why would I apply again if they denied me the loan in XXXX. I sent a letter to both Equifax and XXXX Bank and let them know that someone else applied for this loan which is itentity theft and wanted them to take off XXXX of the Hard Inquiries of XXXX Bank from my Credit Report. They have not done anything and I sent another letter for them to send me proof that I applied twice more for a loan that was denied. I have always had a good or excellent credit report and now Equifax has my credit rating as fine. I have had someone charge something on my credit card which I did not do and so I had to have the card cancelled and get a new credit card. The XXXX took off that charge from my credit card which I appreciated because they know that I was honest about it. Now I have a alert on my Credit Report for 90 days. I would like for this to be corrected ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hi, our company were scammed on XXXX, someone pretended to be a customer and tricked us to XXXX him {$1900.00} as a partial refund ; and XXXX {$1100.00} to another account of his as the rest of the refund. As the Transfer were still pending ( it says undergoing a security review ), I talked to the police and realize this is a XXXX fraud. The police advised me to call the bank immediately while its still pending. I did and filed a claim. However, both XXXX transactions still went through. And the scammer received the money and vanished. Today on XX/XX/21, I received a letter from Bank of America saying they wont approve my claim. This is unfair. This crime could have been prevented from happening.

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 2016-10-14
Company: Paypal Holdings, Inc
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I opened a PayPal credit account last year because I need money quickly and this was the only account that I was able to open at the time. I recently have not able to make my minimum and tried to make an arrangement or close my account or have it sent to collections to protect myself from getting too far in debt, I currently owe XXXX I would rather that go into collection Then be in debt for XXXX dollars and there customer service representative basically told me that they will continue to charge late fees and interest until they see fit to send me to collections. This is taking advantage of me and putting much farther in debt than is necessary and damming my credit much more than necessary and there is no way for me to close the account. The customer service representative from their debt department told me that there was nothing they could do on their end and no alternative options. I 'm at my end with this I have never had this problem from any of my other creditors and I do n't know what to do.

Company response to consumer: Closed with monetary relief