BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: GA
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:
To whom it may concern. 

My name is XXXX XXXX XXXX. I was checking my credit score and I noticed XXXX hard inquiries that I did not make. They were booth on the same day XX/XX/2022. One was reported by Equifax and XXXX by XXXX. 

The Equifax one was showing the inquiry done by " XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX. FL XXXX ''. I tried to contact this agency on the phone number I found online ( XXXX ) XXXX which no one answered. I research that institution online and it says that agency is closed. 

XXXX was showing that inquiry done by " XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I found their phone number and contacted them on ( XXXX ) XXXX ''. They confirmed they received the request but were investigating because they could not confirm it was really myself, they told me I was victim of fraud. They said they would stop the process right away and send a letter to XXXX and to myself. 

I contacted Equifax and they directed me to file a complaint with CFPB for fraud and send them the document. 

Someone used my information with XXXX and XXXX XXXX XXXX. I was victim of fraud. I am contacting XXXX, Equifax, XXXX, XXXX and XXXX XXXX to put a fraud alert. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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: Need information about your loan balance or loan terms

Complaint:
On XX/XX/XXXX I called for the first time to request a refund of payments in the amount of {$9900.00}. 
XXXX and was confirmed by the customer service representative that the refund would process in XXXX weeks. 

I have been waiting and have had no updates other than being told on XXXX more occasions when calling on XX/XX/XXXX and XX/XX/XXXX that my balance would update within XXXX weeks still. 

This has been incredibly frustrating and tomorrow makes XXXX weeks, with no balance update and no confirmation of any movement of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these items which were 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. 
XXXX Date of inquiry XX/XX/2021 ; XXXX Date of inquiry XX/XX/2021 ; XXXX Date of Inquiry XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2023-03-13
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX 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 explanation
Consumer complaint received 2023-01-28
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Utilization is an experience with the line of credit that was extended between the consumer ( XXXX ) and the person ( YOU ) XXXX XXXX XXXX XXXX that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Failure to respond satisfactory with deletion of the above utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616.

Civil Liability for willful noncompliance [ 15 U.S.C 1681n ] Cc : Consumer Financial Protection Bureau XXXX : Attorney General 's Office Cc : XXXX XXXX XXXX XXXX : FTC 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 explanation
Consumer complaint received 2022-12-23
Company: Experian Information Solutions Inc.
State: IL
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
All our family has been a faithful customer of Capital One for over 20 years. Without any notice or explanation they simply closed our checking, savings and credit cards even when we always paid on time. 

Capital One is refusing to tell us why they closed our accounts. This placed a hardship on our family because many bills were being paid with the credit cards. My daughter was stuck in Collage without any means to pay for food or anything else until days later we mailed her another CC from a different bank. My wife could not pay for anything at the grocery store in total embarrassment to her in front of the store clerk and other customers. Many bills bounced all of a sudden and we did not know why since Capital One never bothered to give us notice or explain the closures. 

We always paid on time and never did anything illegal. Capital One did not allow us to explain anything since without notice they closed all accounts and are refusing terminally to tell us why. 

I know Capital One has been sued for the exact same reasons in cause no XXXX XXXX XXXX XXXX XXXX XXXX XXXX : on behalf of himself and all others : similarly situated, : : Plaintiff, : : Civil Action File No. 
v. : : ___________________ CAPITAL ONE BANK ( XXXX ), XXXX, a : National Banking Association, and even when they lost this class action lawsuit they continue doing the same wrongful actions against their customers. 

I want a full explanation and a reconstitution of all our accounts and CCs plus an apology.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I need a insurance check endorsed. mr. cooper staff hang up on me when I request information on the address to send the check to. I have spent over 6 hours on hold and at least 10 different call regarding the same issue. mr cooper has also lost 3 checks that I have sent with there self addressed envelopes. mr cooper staff told me that the only way they could stop loosing my checks is to set up a auto pay from my checking account. I told them I was not interested. They said they would continue to loosing checks and make my account late in tell I set up auto pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Name XXXX XXXX I fell for unemployment back in XXXX XXXX XXXX  XXXX the payments were going Bank of America account that they have a contract with XXXX of XXXX I called the prepaid XXXX Bank of America XXXX XXXX order a replacement card at that time I was told that I had XXXX money in my account I I didn't understand what was going on I had kept money and the account for the emergencies and I didn't touch the money and actually destroyed the card and never called to get a replacement card. I believe I destroyed the card sometime in the middle of XXXX I requested copies of statements and credit slips of purchases I have yet to receive any of the copies of statements and I haven't received not one statement I haven't received not one credit step I have not received any type of documents regarding why my account is out of XXXX balance I've contacted the Bank of America maybe four times a month each month since XXXX maybe even more than that and now they're stating that the XXXX which is my sponsor has put a block on the account and they can not give me any information regarding the money and my funds are transactions. I contacted the XXXX which is a sponsor that applied those payments to the account they state that there's no block there's no they haven't closed the account they have nothing to do with that side of the transaction once they submit the payment to Bank of America that's all they do they can't see funds they can't go into the account they have nothing to do with any type of disputes but the XXXX department is stating that this is what is going on and that's the reason why they can't give me any information regarding my account I don't know what charges that are on my account like I haven't received not one statement I asked for statements between XXXX of XXXX XXXX of XXXX I made these requests back in XXXX I have not received any statements any credit slips with signatures or any type of identifying information regarding these transactions I don't know exactly how much money is involved like I said I have not received any documentation all I was told that when I put into dispute which was actually on XXXX XXXX they have Down XX/XX/XXXX XX/XX/XXXX and it was closed on XX/XX/XXXX 3 days later with the denial of the disputes I have a police report as well

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 2023-01-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Sir/Madam, I am writing to dispute a negative mark on my credit report that was caused by an unpaid emergency hospital visit. On XX/XX/2018, I was riding my Vespa on NJ XXXX in XXXX XXXX, XXXX  when I hit a pothole that was negligently maintained by the state of XXXX. As a result, I was thrown from my XXXX and sustained serious injuries that required immediate medical attention. 

I was knocked out conscious and taken to XXXX XXXX XXXX XXXX where I received emergency medical treatment for my injuries. I want to inform you that I was fully insured at the time of the accident and my insurance company handled the claim. Despite my efforts to pay the medical bill, I was unable to do so due to the financial hardship caused by my injuries and the associated lost wages. 

I believe that the state of XXXX  is liable for my injuries, as they were caused by a pothole on a XXXX XXXX that was not properly maintained. I have already contacted the state of XXXX  to request reimbursement for my medical expenses, and I am currently awaiting their response. 

I am requesting that you remove the negative mark on my credit report, as it was caused by an unpaid medical bill that was not my fault and was handled by my insurance company. I would also like to request that you freeze the credit reporting of this debt while I am awaiting the response from the state of XXXX. 

Please be informed that if this negative mark is not removed from my credit report, I will consider it as a violation of the Fair Credit Reporting Act ( FCRA ) and will take legal action accordingly. Also, if you fail to investigate my dispute and fail to correct any errors in a timely manner, it could also be considered a violation of the FCRA and XXXX result in penalties and fines. 

Please let me know if any further information is needed from me. I can provide the medical report and the evidence of my claim against the state of XXXX, as well as the proof of insurance. 

Thank you for your attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2017-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Several months back I signed up for Transunion 's credit monitoring subscription on their phone app for {$1.00} to work on improving my  XXXX  score. The following month I noticed the charges of {$19.00} in my bank statement. Unfortunately, being  XXXX   XXXX , I put off calling Transunion to cancel the subscription due to   XXXX   XXXX  . Then when I checked my bank statement for the month of  XXXX  I noticed that Transunion began charging me {$24.00} without informing me. I also noticed that not only did the  XXXX  charge of {$24.00} post to my account on  XXXX , but  XXXX  more charges of {$24.00} being processed on  XXXX . I immediately called Transunion to cancel the subscription and demand a refund. They informed me that my subscription would end  XXXX  and that only  XXXX  of the charges would be refunded within  24 h ours. This Transunion employee attempted to keep my patronage by offering reduced subscription fees as well as a month free. I respectfully declined.  48  hours later and no refund posted, I called Transunion back to find out why I have n't received my money back. The Transunion employee thanked me for informing them of the accounting glitch and that a refund would take up to 30 days. I then came across the article regarding the CFPB 's investigation of the  XXXX  credit bureaus and their predatory practices and fraudulent charges. I would also like to point out that at no point did Transunion offer me my free annual credit report. I Then decided to call the CFPB to submit a complaint. After a brief automated answering system, I was immediately put through to a woman named  XXXX  who directed me to this website as well as the process. And here we are ...

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 2022-08-03
Company: Netspend Corporation
State: MN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On XX/XX/2022, I went to XXXX  in my town that I live in XXXX  mn, I was going to withdraw XXXX dollars, when I put my card in and put in the amount, it said to remove your card, I went to put my wallet in my back pocket, and when I went to retrieve my money the machine sucked it back in, I did not leave the machine, I called for XXXX  customer service and somebody came over and spoke with me, they said that they have nothing to do with the ATM, so I called the phone number off of the ATM, they said that they know that I did not receive any of the money, so then I called my card and they said that I had to file a dispute, they gave me no address to send it to, I didn't have a pencil and paper with me, to write down anything, that has really put me in financial distress, that is what I live on is my social security, I have talked to them 3 times and it is always the same response that they are doing a investigation, I just want my money back, I don't know how that they can keep my money, I don't know why they won't give it back, that's my money not theirs, thank you,

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 2022-12-23
Company: Freedom Mortgage Company
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was hit by a tornado on XX/XX/2022. I had received no insurance money and had to dip into my own annuity for XXXX which I was earning 4 % interest not to mention the taxes I paid for that withdrawal and drain my savings account to get the construction done for my house to be livable again. My insurance company went out of business, the insurance commissioner then turned it over to another insurance company who screwed the whole thing up so my insurance commissioner turned it over to another insurance company called XXXX XXXX  They treated me wonderfully. I did everything needed to get me my money reimbursed and sent the insurance checks to XXXX XXXX in early XXXX. I received two checks from XXXXXXXX XXXX with my name and my mortgage companys name which at that time was XXXX XXXX  I signed the checks and sent them to XXXX to be counter signed. They held onto it for about two months, and then sold my mortgage off to Freedom Mortgage along with my checks and everything that backed up my losses. I have begged Freedom Mortgage to release my checks and they continuously ask me for more and more information that has already been provided. They are holding up two checks of mine XXXX. One for Dwelling - XXXX and the other for Other Structures - XXXX. They have drug this out for the three months theyve had my mortgage not to mention the time it was held up by my previous mortgage company ( XXXX XXXX ). I have recently been diagnosed with XXXX XXXX, and Im going through treatment and can not even afford my medical bills. I took money out of my own pocket to pay for repairs which an insurance company should have handled without involving a mortgage company such as these two. I even spent money to get a document from my clerk of courts office in XXXX XXXX XXXX to show that I have no liens on my house only a mortgage.

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 2020-08-01
Company: COOLEY ENTERPRISES INC
State: NE
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:
The credit bureau is reporting a closed account from Clay Cooley Motor Company on my credit report. This account is over 7 years old and is closed. This is a violation of the Fair Credit Reporting Act to report an account for over 7 years. I have disputed this item several times with the credit bureau and the creditor.

Company response to consumer: Untimely response
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: 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:
To Whom It May Concern : I recently sent you a request to reinvestigate incorrect items which you reported to the credit agencies. You ignored my request. 

Federal law requires that you complete your reinvestigation of my request within 30 days. It has now been more than 30 days and the items remain on my report : XXXX  XXXX XXXX I will assume that I have not received your reply because you have been unable to verify this information. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A section XXXX : it also states a consumer credit 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