BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-29
Company: Maximus Education, LLC dba Aidvantage
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My federal student loans were transferred from XXXX to Aidvantage in XX/XX/XXXX. Both XXXX and the U.S. Department of Education communicated clearly about the transfer. 

On XX/XX/XXXX I had an email from the U.S. Department of Education confirming that the transfer of my loans to Aidvantage were complete ; I was told that within 10 days of receiving said email, I would receive a welcome letter from Aidvantage. 

I never received any welcome email or any other communication from Aidvantage. 

On XX/XX/XXXX I emailed Aidvantage explaining that I was concerned that I have received no emails from Aidvantage ( even after checking spam frequently ) and I want to be sure I'm receiving communication from them. 

A representative from Aidvantage responded to my email on XX/XX/XXXX saying that I can log into Aidvantage to view correspondence at any time. This answer does not address the lack of welcome letter/initial communication from them. 

I am proactive in my student loans my concern with this loan servicer is with no communication being sent to those of us with loans, what important dates and notices will be missed by those who aren't as proactive? This does not seem like a good first step forward with Aidvantage, and in light of other predatory lending practices by student loan providers this lack of communication does not reflect well on Aidvantage. 

An internet search revealed that I am not the only one without any sort of welcome letter or any introductory correspondence from Aidvantage even as of XX/XX/XXXX. 
It is concerning to me that there has been no communication or onboarding aside from what I myself have initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been going back and forth in regards to my credit and identity theft results for more than 5 years and I am very frustrated. On my credit report with TransUnion I have an inquiry that is a result of identity theft because it is not mine and I have never given anyone permission to use/run my credit. The inquiry is : XXXX XXXX XXXX Inquiry from XX/XX/2019 On my credit report with XXXX I have the following fraudulent accounts - XXXX/XXXX XXXX - XXXX  - XXXX XXXX On my XXXX  credit report - XXXX XXXX - XXXX  - XXXX XXXX I continue to dispute these accounts as results of my identity theft with no success. All I receive are general responses saying they are valid with no proof. I have even sent police report information and identity theft report information and numerous FTC complaints.

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 2017-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
cWhen I was back in college, my main focus was college. When I finished my first year an came home, I started getting calls about a card I was not aware of. I was only XXXX and never knew anything about the card, but they still tried to make it seem like it was my card saying it will be sent to collections and doing scare tactics. I started paying on the card because they would not leave me alone. That is when I told them it was n't me and that I would not pay for something I did not do. The account was sent to collections and it has scarred me. They call me and ask me when would I like to make a payment but I am still not going to pay for something especially when I did not apply and physically receive the card in my possession. I would love to apply for a card but I can not do so until this is off from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Marlette Funding, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
NEW INFOMATION .... As a debt collector participating in commerce in the United States of America Best Egg is governed and must abide by federal law. Best Egg claim in there response that they are required to report my information to the credit reporting agencies, Required by whom? pursuant to 15 USC 6802a it clearly states that no financial institution or an affiliate may not disclose to a nonaffiliated third party any nonpublic personal information, I have no establish relationship with any credit reporting agency in regards to the alleged debt. 

Furthermore pursuant to 15 USC 6802b ( XXXX ) ( B ) I was not given the option to opt out of any form of credit reporting or sharing of my personal information with any nonaffiliated third party, I also was not given any explanation of how I may exercise my right of nondisclosure option pursuant to 15 USC 6802b ( XXXX ) ( C ). For the sake of my right to privacy as a Federally protected consumer and the sake of my personal reputation I request that Best Egg kindly remove this information from all Credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.

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 2017-07-20
Company: WESTERN UNION COMPANY, THE
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I buy products on line mainly from XXXX, one and only form of payments, vendors accept is through western union. The way it works, i transfer money, western union gives me MTCN number and i provide that number to potential vendors to collect payment and ship out my order. This cause a tremendous frustration, western union put transaction on hold / under review for many many days, without even notifying me. They charge full transactio fee, i provided all kind of ID ( copy of my drivers license, passport ) everytime, still under review. Calling customer support, they put on ever lasting holds. All i want to let transaction go in timely manner provided i paid all the fees and provided all kind of documentation, they asked. This cause financial set back to me. Can you please help me regarding this matter. My email is " XXXXXXXXXXXX " contact number XXXX. Thanks. Looking forward to resolve this matter. I understand, western union has to follow certain guidelines, but i provided all requested information and each time over and over again, they asked the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
he credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2022-01-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CXXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am unaware of all these inquiries, I have called all the companies and credit bureaus and have sent letters for the past XXXX  months to no avail.

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 2021-07-24
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: Account status incorrect

Complaint:
Information on my credit report is showing up inaccurate. This is not fair to me because i can not obtain credit due to the fact that the bureaus are all reporting different dates on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, 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:
The bankruptcy needs to be removed from my report. The bankruptcy case was filed in error. The case never entered judgement. The case was closed by the Judge. The trustee was cancelled. No money allocated. Judge order signed XX/XX/2018. Case # XXXX Equifax says they have been getting data from XXXX XXXX who is reporting I went through a bankruptcy. This is false. There was never any judgement. The judge closed the case XX/XX/2018. XXXX XXXX has been reporting false info. for years. I would like to sue for the false reporting. The case was filed in error and the Judge closed the case. I NEVER went through any bankruptcy judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
i have a credit card for carecredit which is owned by Synchrony bank. In XXXX 2017 i received a letter from JcPenny ( owned by synchrony bank ) to say I applied for a store card. Which I did not. I called Jcpenny  Immediately and they assured me they would report this as fraudulent. I spoke with XXXX on XXXX/2017. I obtained a report from XXXX to notice that a number of searches were applied for or credit card/store card attempts to open in my name with the same bank! listed on my report using XXXX credit services were, Walmart, Lowes, XXXX, JCPenny I called Synchrony bank again they advised me that the fraudulent searches would be deleted from all 3 of my credit files. I also filed a police report for fraud on XXXX XXXX with XXXX XXXX sheriffs department with DS XXXX XXXX. I reviewed a copy of my recent credit file yesterday to discover that Synchrony bank nearly 3 months after this event happened have still not removed the fraudulent searches on my account. I have reason also to believe that they have been a victim of a data breach as all fraudulent credit cards and searches applied for in my name, walmart, lowes, etc are owned by Syncrony bank.

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 2019-11-23
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Yesterday I received a phone call from XXXX stating that I owed {$790.00} from an online payday loan in 2017. They also called relative. On both of our voicemails they left a case number and a phone number to call. No name of the company. 

When I called the number left on the voicemail, XXXX, they said that my case was locked because someone was filing charges against me for breach of contract and a fraudulent bank related charge. They put me on hold for about 2 minutes so that they could request for the case to be made access to them and came back on the line. Then they said that they were indeed able to gain access. These two charges plus what I owe would then cost me {$1900.00}. Thats if I didnt pay right then. If I paid right then, over the phone, then it would be {$790.00}. 

They still could not give me a company name and would only told me what the company did which was to collect debt. I told them that Id be willing to pay if they could offer me something in writing before stating that if I paid, then Id be cleared. They said they couldnt do that. 

The company said that after I made the payment, then theyd be able to offer documentation. Im not sure if they were telling the truth, but demanding someone to pay money over the phone without anything in writing just doesnt seem ethical to me. Then theyd have my bank information and who knows if it was even for Ace cash express. 

Throughout the call they suggested that I would need to contact an attorney and at the end they told me good luck. I think that the whole call was an intimidation technique and thats not ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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:
The bankruptcy needs to be removed from my report. The bankruptcy case was filed in error. The case never entered judgement. The case was closed by the Judge. The trustee was cancelled. No money allocated. Judge order signed XX/XX/2018. Case # XXXX XXXX says they have been getting data from XXXX XXXX who is reporting I went through a bankruptcy. This is false. There was never any judgement. The judge closed the case XX/XX/2018. XXXX XXXX has been reporting false info. for years. I would like to sue for the false reporting. The case was filed in error and the Judge closed the case. I NEVER went through any bankruptcy judgment.

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 2022-06-15
Company: Experian Information Solutions Inc.
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:
n accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights to privacy. 

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 explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: GA
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 Council Reporting Act, these following account numbers have violated my rights : # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. 

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2. states a consumer reporting agency can not furnish an 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 2022-06-15
Company: AUTOMOTIVE CREDIT CORPORATION
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:
I have filed complaints a couple other times against Automotive credit corporation. They were not reporting and were not reporting correctly to my credit profile on the XXXX accounts. They came back saying XXXX they updated the accounts to the bureau but had an issue reporting to XXXX. After that they stated XX/XX/XXXX they updated everything through XX/XX/XXXX. However as you can see on my credit report is still showing as later or XXXX days past due and not updated on payments for XX/XX/XXXX, XXXX, XX/XX/XXXX and now XXXX. All XXXX bureaus reflect nothing no payment at all good or bad. Status of the accounts are not updated as well

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: Diversified Consultants, 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: Old information reappears or never goes away

Complaint:
Dear Sirs, This account is over 7 years old / over the statute of limitations to be reported to the credit report and should be REMOVED / DELETED. 

This account is approximately from XXXX 2005. Diversified removed this from the credit report and then recently placed it back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
This complaint is regarding a medical collection account on my credit report from XXXX XXXX XXXX. 
Under Section 611 ( 5 ) ( A ) of FCRA any account and all information pertaining to it should be promptly deleted if it can not be verified. 
I have sent XXXX letters to Transunion starting XXXX of XXXX asking to see verifiable proof ( hard evidence going all the way back to the original creditor, not verification from third-party database ) regarding this account. ( my first letter was on XX/XX/XXXX ). 

Under the FCRA, unverified accounts must be removed if Transunion is unable to provide a copy of verifiable proof. Their response was that the account is mine, without any hard evidence going all the way back to the ORIGINAL creditor and without verifiable proof. 
On XX/XX/XXXX I sent my second written request to them asking for a description of the procedures used to determine the accuracy of this account. But instead I received the same response- verified- without any documentation as asked. 
On XX/XX/XXXX of XXXX I sent my third written request to Transunion, asking them again to delete this account because they did not provide copy of any documentation ( hard evidence that goes all the way back to the original creditor, not verification from a third-party database ). Also, they did not provide the method of verification as required under section 611 ( a ) ( 7 ).

Again section 611 ( 5 ) ( A ) of the FCRA states that any information which can not be verified with proper documentation to be promptly deleted. 
On XX/XX/XXXX I sent my XXXX written letter to Transunion because the account is still on my credit report unverified. I did not receive copy of any original documentation for this account and no method of verification was provided. 
The account is still on my credit report. 
Also this account is on my report without a hipaa authorization. the medical collection does not have my hipaa authorization on file. 
All my letters have been sent certified mail with return receipt and signature on them. Also all letters were signed by a notary agent before sending them.

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 2020-01-24
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
My Best Buy card was never not in my possession Purchases were made on my account in Best Buy store without the physical card in the amount of {$1200.00} and {$220.00} on XX/XX/2019 and XX/XX/2019 respectively. 
I reported this to Best Buy immediately. The charges were reversed, the card was closed and a new card was issued. The following month the charges were added back to my new account. 
I have spoken with Best Buy customer service approximately 15 hours, written emails on my account, sent a detailed written letter on XX/XX/2019 in an attempt to resolve the problem. I received no response from any of my attempts to resolve this matter. 
Best Buy refuses to reverse these charges, continues to accrue interest and continues to report the account as delinquent to the credit bureau.

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