BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-03
Company: Southwest Credit Systems, L.P.
State: CA
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:
I noticed this account on my credit profile in XXXX and sent numerous letters requesting an original contract that this account was opened by myself. They never sent me a signed contract. This has been on my credit profile for far too long. I do not have a contract with Southwest Credit Systems or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received two different credit cards from Bank of America that I did not apply for nor request, account numbers XXXX and XXXX. 

They refused my request for details on the source of these applications. 

I am presently a BofA customer, although that might end without this being resolved with that information.

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 non-monetary relief
Consumer complaint received 2023-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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:
Wallet with SSN, My Sons SSN, IDs, Cards And More Was Used and Stolen Back In XX/XX/2016. Resolving Full Credit Report Prior To Applying For My US Citizenship. Please Call Me Urgently For More Information. 

Thank You Regards, XXXX XXXX XXXX - 15 U.S.C. 1681c-1 and 15 U.S.C. 1681c-2

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 2017-09-09
Company: EQUIFAX, INC.
State: MN
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:
I was not informed that my personal information ( including my social security number, address, and other information ) was breached several months ago. I have still not been contacted, even after the news broke. I do not know, and it appears, have no way of knowing the full extent of what information of mine was breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiries. 

Please see the copy of my dispute letters attached on this complaint The said inquiries are still showing on my credit report and it seems Bureau is ignoring my concern

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 2023-11-04
Company: AMERICAN EXPRESS COMPANY
State: MA
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, these creditors has violated my rights.

Under 15USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15USC1666b a creditor may not treat a payment on credit card account under an open end and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: M&T BANK CORPORATION
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
XX/XX/XXXX XXXX M & T Bank - email correspondence XX/XX/XXXX - XXXX XXXX XXXX XXXX - email correspondence XX/XX/XXXX - XXXX XXXX XXXX - called XX/XX/XXXX - XXXX XXXX - email correspondence XX/XX/XXXX - XXXX XXXX - phone and email correspondence XX/XX/XXXX. - XXXX XXXX - email correspondence Checking accounts with debit cards have been opened in my name at all of these institutions. I have been in contact with them all by email and phone to report fraud and all of the accounts have been closed. I was referred to my police department but they are unable to help.

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 2023-12-11
Company: EQUIFAX, 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:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-05
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
SOUTHWEST CREDIT SYSTEM AccountXXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MO
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have recently reviewed my credit report and I noticed some things on my account. I have been living in my home for 15 years and I noticed an 2 apartments on my credit that I have no knowledge of. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
First with XXXX & now with Aidvantage, over the course of many years, I have been forced into forebearance, have very high repayment amounts, mounting interest applied to my loans, inability to get into a method which allows loan reduction, extreme difficulty even logging into my account, & extreme wait times on the phone, etc. Because I am a nurse, most every person that I talked to previously doesn't believe that I can not afford a XXXX XXXX monthly payment. Because of the way that the public views XXXX, they think that I am rolling in the monetary dough. Nothing could be further from the truth. I started XXXX in California in XXXX, at XXXX XXXX/hr. Even though I have been a XXXX for 40+, I still have to work to survive at XXXX years of age. I get a small pension in addition to SS, & I work to add to that to live. Currently, my rent is XXXX XXXX/month for a 520sq ft apartment in a senior complex. I drive 40miles one way to work because no hospital will even look at my resume at XXXX years old. Because of systemic harassment, gross nepotism & personal harassment that I was subjected to, I left hospital XXXX in XXXX. Getting another job in XXXX was a fat joke at my age. Currently, I have a Per Diem job, working 20-30 hrs weekly. My student loans are so high because I went back to school to become an XXXX since I could not get a raise where I worked due to grossly rampant nepotism. Now, getting a position as an XXXX  is another fat joke. There aren't any really. You have to make your own way & get people to pay for your service. That is another fat joke. Most people only can afford {$20.00} or they only want to pay {$20.00}. I would love to service the poor or veterans with XXXX, but that is even harder to find. Aidvantage has sent me an XXXX, XXXX bill for over {$3000.00}!!!! Do they think that I have a money tree in the back yard???? I don't even have a backyard, I have only a tiny patio. There is no money tree there. You can not get ahold of Aidvantage whatsoever!!!!!! At least with XXXX you could talk to them after waiting forever. XXXX would tell me that I only qualified for forebearance & not an income based repayment plan, nor did I qualify for an loan reduction program. I am an XXXX and a XXXX & I don't qualify for a loan reduction program?????? What kind of craziness is this????? The Federal Student Aid Program is another FAT JOKE!!!!! I can not even log into my account. When I try to reset my user name or password, it just stops working & states there is already an account, but I still can not access it even with my SS # & DOB. Forget Aidvantage-I can not get thru to them thru calling, emails or contact complaints. Now they have sent me a bill for XXXX, XXXX for $ XXXX!!!!!!! Like that amount is totally insane!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: Cascade CISS Holdings, LLC
State: CA
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:
The following company has placed 4 inquires on my credit report, I DID NOT AUTHORIZE THESE INQUIRES. 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX; tried to use the Costco Citi Visa card and it was declined. No reason given, other than the account was closed. They also closed the Macys and the XXXX XXXX cards on the same day ( XXXX XXXX I found out later ). I tried to call and the company does not have a phone number for customer service, the agents at the number on the back of the card had no information. The email bounced back using the advertised email on their website. They only appear to accept snail mail. XX/XX/XXXX, sent a certified letter to Citi Bank asking for an explanation since the accounts had never been paid late and balances were always paid in full. The card was used for business purposes and created absolute havoc with my business. XX/XX/XXXX received a letter from Citi, saying the accounts were closed and to destroy the cards. No explanation as to why. Closing 3-accounts will adversely affect my credit, we currently have a perfect credit score.

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 2023-03-28
Company: U.S. BANCORP
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a debt from a bank from when I was younger. Its been over 15 years and the dead has been forgiven and its no longer in my credit. Theres a company that is trying to collect the debt. They keep constantly calling.

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 2023-11-06
Company: NAVY FEDERAL CREDIT UNION
State: FL
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:
I filed a claim with Navy federal fir unauthorized charges on my account around XXXX XXXX XXXX weeks later XXXXXXXX XXXX my account was adjusted and all were refilled to my account. There were around XXXX unauthorized charges on my account and I dont believe Na y federal did a fair or proper investigation into the fraud charges. I never received any type of call or notice from a investigator or anyone they just reviled my account for all charges and did not properly investigate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Maximus Education, LLC dba Aidvantage
State: IL
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:
My loans have recently been transferred from XXXX to Aidvantage. Prior to the change and prior to the XXXX payment pause, my student loans were on autopay, in order to receive a reduction in interest owed. I had no problems making payments automatically until the loan payment pause. 3 years later my loans have now been transferred to Aidvantage, who on numerous occasions confirmed that my autopayment status was still active and no further action was necessary on my part. My due date comes, they initiate the payment and send me correspondence that my payment was successfully received. However a couple days later they send me a letter stating the payment wasn't received with an explanation of " unable to locate account. '' This is frustrating because they received the same account information from my previous servicer who had no issue with my bank information so there was no error in inputting the information on my end ( because Aidvantage took the information directly from XXXX ). I then proceeded to re-enroll unto auto pay with the exact same credentials and even make an additional payment manually. I called to speak with an Aidvantage rep to confirm my payments and they were confirmed on XX/XX/23 as paid. I even spoke with my bank to see if the bank had an issue with the charge, but was notified that the payment never came through to the bank. Today there has been no payment made from my bank which means there is some issue going on with Aidvantage and their processing of bank information, however I do not want to be the blame for their problem and ve adversely affected. Moreover, I do not want to mail my payment in because I will no longer receive the discount for being enrolled in autopay. 

I have researched this issue to find that there are discussion threads of this exact same issue happening to other consumers being serviced by Aidvantage, so this is definitely a massive technical issue on their part. I was advised that filing a complaint with the CFPB is how other consumers have had this issue resolved and I would like to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Late fee

Complaint:
I opened a new credit card with Bank of America. I arranged autopayment ( what they call eBill ) immediately after opening the account. However, my first payment was not automatically paid. After rechecking the account, I saw a small note in the autopay process as follows : " Note : e-Bill initiated payments for this bill will not begin until the next billing cycle. Payments for this billing cycle must still be scheduled manually. '' While this text is clearly visible, it is not highlighted aggressively. Additionally, this behavior is entirely different from what a reasonable person would expect when establishing autopay immediately after opening a new line of credit. The result was that I faced a fee and interest charge. After contacting the company, the fee was waived but not the interest. This was done as a 'favor ' to me. I pushed, and the interest was then also waived, again as a 'favor '.

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 2023-11-06
Company: MOHELA
State: MN
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:
MOHELA has caused significant difficulty during transition to repayment. I applied for XXXX XXXX XXXX, but selected that I did not want to go into forbearance because I wanted to continue to make payments towards my PSLF forgiveness. MOHELA put me into forbearance anyways. 

I called several times but was on hold for over XXXX minutes each time. When I finally got through, I was able to have my account taken out of forbearance, but then was advised my XXXX payment would be noted as a late payment. Since I was in forbearance at the time, I asked for that payment to not be reflected as a missed/late payment because at the time there was no payment due. The representative stated there is nothing she can do. When I asked for a supervisor, she said she was going to put me on hold but then hung up on me. I had to call back and wait on hold for another XXXX minutes to get through. 

I then spoke with a representative that said I would not have a past-due amount or any missed/late payments for the month of XXXX. However, now when I check the site, it says that I have a past-due amount from XXXX - when I was in forbearance. 

MOHELA has not been helpful in getting my repayments back on track, logging them correctly, or having adequate support to be able to fix/address any problems that have been experienced during this process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Despite providing evidence of identity theft and taking all necessary steps to rectify this matter, your bureau persists in reporting these fraudulent accounts, causing severe damage to my creditworthiness. 
XXXX XXXX XXXX PLEASE DELETE!!!!! 
XXXX XXXX XXXX PLEASE DELETE!!!!! 
It has come to my attention that your bureau continues to report multiple fraudulent accounts on my credit report, despite my diligent efforts to address this issue. I am bewildered as to why your bureau is not taking similar action to rectify this blatant error. The continued reporting of these fraudulent accounts is not only damaging to my credit score but also exacerbates the emotional and financial distress caused by identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 non-monetary relief
Consumer complaint received 2023-12-23
Company: FC HoldCo LLC
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I enrolled for a semi monthly auto payment program. When signing up on the customer online portal, it required one to select the first payment date to be prior to the due date. The second payment, I was allowed to select ANY date. However, now after speaking to a supervisor, they will still be charging me a late fee because the second payment is after my due date. No where during the process did the website state that BOTH payments had to be before the due date. Only the first payment had to be prior to the due date. It was EXTREMELY misleading to the consumer because thats an extra {$78.00} they charge for late fee. Why even have that as an option if when you are signing up there are no instructions stating BOTH payments must be prior to ones due date. It doesnt make any sense. Then they tell me Im just incorrect and there is nothing they can do.

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