BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-22
Company: Maximus Education, LLC dba Aidvantage
State: AE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have Spousal Consolidation Loan that was serviced by XXXX for over a decade where I applied for the PSLF/TEPSLF under the limited waiver. Until last week, I did not receive any information about my application until I submitted a CFPB complaint asking for a status of the loan. I'm a co-signer on the loan. This should not limit PSLF forgiveness because the President of the United States signed a law that allows for these loans to be split and also forgiven under the PSLF program. 

XXXX did not forgive my portion of the spousal consolidation loan and instead stated that the loan was transferred to a new servicer, AIDVANTAGE in early XXXX. AIDVANTAGE does not have any information in their system about the loan. The loan still shows as being serviced by XXXX on the Department of Education Website. 

The primary signer on the loan and I divorced in XXXX, XXXX. I want the loan separated back out according to the law that the POTUS signed last fall. I also want my portion of the loan forgiven through the PSLF program since I have met all the requirements for this. I have been serving in the U.S. Army since XXXX of XXXX and have applied several times for forgiveness through this program. I'm also ONLY concerned about the spousal consolidation loan for the program ( not my graduate loans that are zeroed out ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Stellantis Financial Services US Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have contacted this lender XXXXadvised them that I was XXXX for a while now and I am in need of a financial hardship. They are not giving me any option. I explained to them that I just start working back this week, and because I am already behind, I am not in a position to get this account back on track right away. Still they are not trying to work with me.

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 2022-10-24
Company: Affirm Holdings, Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received a credit alert that informed me of several new accounts from Affirm that were created in my name. I have never had an Affirm account and I have never done any business with Affirm. These accounts are not mine and I did not open them. I am a victim of identity theft and I believe these accounts from Affirm are a result of that identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: WESTERN UNION COMPANY, THE
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
I submitted Western union with copies of the money orders I purchased. Now they are requesting proof I sent copies everthing. I have no of those things anymore because my house was robbed and XXXX XXXX XXXX XXXX for XXXX lost all personal documents. I submitted {$2500.00} in moneys to them {$1000.00} {$1000.00} {$400.00} {$100.00} to date I have not received anything from them. This information was mailed in XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 bank account # XXXX, XXXX XXXX account # 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 2022-08-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX  XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Paypal wont allow me to open an account with them, according to them there is one with my information. I have never opened an account with Paypal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: CO
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 bank account # XXXX, XXXX XXXX account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I requested a debt validation from the credit companies for each account. ALL FOUR REQUESTS FOR VALIDATION MUST BE RETURNED in 30 days. I requested on or around XX/XX/XXXXXXXX XXXX XXXX XXXX As codified by federal law I requested : Debt validation- 1 ). Copy of the ORIGINAL CONTRACT with my SIGNATURE for the debt. 

2 ). FULL payment history from the original creditor 3 ). Need the name and address of the original creditor 4 ). Need proof that they now own Or have been assigned to collect the debt. 

Most companies sent the name and address of original creditor and the proof they have been assigned to collect the debt not NONE of the credit companies showed NO ACCOUNT WITH AN ORIGINAL CONTRACT WITH SIGNATURE OR A FULL ( not just a month or two ) HISTORY. 

As codified by federal law these accounts must be closed and must be removed as a Derogatory mark on my 3 credit reports. I gave contacts them to explain that they have not returned the full request as required by law and are refusing to close and remove remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Affirm Holdings, Inc
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2021 someone committed fraud in my name and opened up credit cards in my name without my knowledge or permission. One of these cards was Affirm. They used this card to buy kitchenware for XXXX. I did not order this or receive this I contacted the company in XXXX regarding this fraudulent activity. I have now been sent to the credit bureau and my credit score has decreased due to this. I did not open this account and am not responsible for the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX AFNI , INC XXXX 
XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AFNI , INC. 
XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX and I am submitting this CFPB complaint frsutarted of the Credit Bureaus action of ignoring a consumer 's requests! This is just bothersome! It has been 5 months since my first dispute regarding the fraudulent items being reported by the XXXX and XXXX Credit Buraeus. I have also been sending countless letters requesting that the Credit Bureaus verify the authenticity of the information being reported on my Credit Report. But the Credit Bureaus have failed to do so and continued reporting without sending me copies of documents as proof of their invesitagation. I am now submitting this CFPB complaint to request that the Credit Bureaus remove the disputed items with or without investigation. The Credit Reporting Agencies must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I need the following items deleted immediately : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$730.00} US DEPT ED XXXX Balance Owed : {$28000.00} US DEPT ED XXXX Balance Owed : {$39000.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXX  XXXX Balance Owed : {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: DE
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 below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX 15USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 section 602 A 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 of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Resurgent Capital Services L.P.
State: FL
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 sent an Affidavit of Truth and an Invoice to XXXX XXXX XXXX, here is the tracking # XXXX, Resurgent Capital Services tracking number # XXXX and XXXX XXXX XXXXXXXX XXXX XXXX They have not paid out the invoices and had the negative items deleted from my credit report. These companies have violated 15 USC 1692. ( C ) ( A ). 15 USC 1692K, 15 USC 1692. ( B ) ( 2 )., 15 USC 1692. ( B ) ( 5 )., 15 USC 1692 ( D ) ( 2 )., 15 USC 1692 G ( A ), 15 USC 1692 ( B ) ( 4 ), 15 USC 1692 C ( 1 ), 15 USC 1692 ( E ) ( 1 ), 15 USC 1692 ( F ) ( 8 ) ( 8 ) 15 USC 1692 ( D ) ( 5 ). Based on these laws I can collect these damgages15 USC 1692K. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of, any actual damage sustained by such person as a result of such failure : in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: EQUIFAX, INC.
State: PA
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 did a thorough investigation on my credit report and seen a collection on my credit report that doesn't look right. 

XXXX XXXX Date Opened : XX/XX/2022 Amount {$770.00} This account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: M&T BANK CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Manufactures & Traders Trust Company absorbed XXXX XXXX XXXX XXXX  which was my bank for 20 years. I receive many messages that the changeover to M & T Bank would be a smooth an easy transition. When the change actually occurred, I was locked out of my account. I tried calling the bank many times and the wait was over XXXX hours on the phone. I went to a local branch, where an employee tried to help me by sending me a temporary password, so that I could try signing in. What I finally found out after several visits to the bank is that M & T did not probably prepare for customers to have a special character in the online usernames, even though XXXX XXXX  required that. I was told that it take several days to a week for them to resolve this issue. What eventually occurred is that I was locked out of my account from XX/XX/XXXX to XX/XX/XXXX. What I finally learned after another phone call is that M & T Bank changed my username without telling or notifying me. If I knew this, I could have had access to my account. I feel that the way that they handled this merger and change over from XXXX XXXX  was extremely unprofessional and lacked the service and care that was needed at this crucial time. How a large bank can take over another bank and not know that many customers would have special characters in their usernames is extremely shocking to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Investigation was not completed. Asking a business if a person owes them money is not sufficient. The bureau is reporting inaccurate information if there is no proof I owe this debt and they did not provide this proof. XXXX is the item.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CONVERGENT OUTSOURCING XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CONVERGENT OUTSOURCING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX XXXX, FL 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