BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-25
Company: Maximus Education, LLC dba Aidvantage
State: PA
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 received a notice of change for my student loan service provider from XXXX to Aidvantage now this happens to come right before XXXX lost the lawsuit against them. I have contacted Aidvantage to receive my account number as well as any other documents needed to see if I qualify for student loan cancelations and that information was never given or sent to me I am still currently waiting. When I attended school in XXXX of XXXX XXXX was still named XXXX XXXX not University as it is now. I was coerced into agreeing with whatever terms were stated at that time due to my age at that time XXXX and not knowing what I was getting myself into. Now fast forward to XXXX  and understanding all that is happening makes me believe I was deceived by my school and student loan lender. Now Aidvantage is simply wanting me to resume my payments but the information I have kept requesting about my account and summary is being denied or ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX XXXX XXXX Sunday, XX/XX/XXXXXXXX  Federal Trade Commission Consumer Response Center XXXX XXXX XXXX , XXXX XXXX , DC XXXX Re : Incorrect Listing of XXXX  XXXX Bankruptcy on Credit Report Dear Sir/Madam , I am writing to formally request the removal of an inaccurate XXXX  XXXX Bankruptcy listing from my credit report. 

According to my personal records and as confirmed by the USBK Court XXXX California, my bankruptcy was dismissed in XXXX of XXXX. Here are the relevant details of the court : USBK Court XXXX California XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Upon realizing the complications of my financial situation, I consulted my legal representative and decided not to proceed with the bankruptcy. He subsequently dismissed the filing, for which I was billed. However, to my surprise, this bankruptcy still reflects on my credit report, even after its dismissal over five years ago. 

The implications of this error are significant. Im XXXX XXXX XXXX fXXXX and just recently, while trying to secure rental accommodations alongside my son, I became keenly aware of how this incorrect listing is hampering my ability to secure credit at reasonable terms. It is adversely affecting my credit score, undermining my financial reputation, and creating undue challenges in my personal and professional endeavors. 

I kindly request your assistance in investigating and rectifying this matter as a matter of urgency. I am more than willing to provide any documentation or additional information you may need to expedite the process. The correction of this error is paramount to ensuring the accuracy and fairness of my credit report, which is integral to many aspects of my life. 

I look forward to a prompt resolution of this matter and thank you in advance for your attention to this serious issue. 

Please feel free to contact me at XXXX should you need further information. 

Sincerely, 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 2022-09-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
REPORTING A INACCURATE LATE PAYMENT ON MY CREDIT REPORT ALL MADE ALL MY PAYMENTS ON TIME IT NEEDS TO BE CORRECTED.

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 2022-11-28
Company: Spring Oaks Capital, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 2022-09-19
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a bed from XXXX on XX/XX/2022 using my Discover card. When I received the item on XX/XX/XXXX I noticed it was damaged and it was the wrong item. I immediately setup a return from XXXX and was given a shipping label with XXXX. The bed was picked up on XX/XX/XXXX. After the pickup I noticed I could not track the package because the tracking was not working. It was giving me an error and telling me the tracking number was not in the system. Apparently the package is now lost so because of this XXXX refuses to refund me the total amount of $ XXXX disputed with Discover because of incomplete service but it did not go in my favor. Now I lost money to XXXX and have no item to show.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Mitchell D. Bluhm & Associates , LLC for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Mitchell D. Bluhm & Associates , LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Mitchell D. Bluhm & Associates , LLC, continues its collection efforts, I will file for litigation for actual damages caused and Mitchell D. Bluhm & Associates , LLC, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2022-07-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I was phone scammed on XX/XX/22. The caller ID showed " Wells Fargo '' ( XXXX ) XXXX. The caller was able to withdraw XXXX dollars from the ATM after I provided what I thought was " verifying information ''. However, I saw multiple transactions on my Wells Fargo app minutes after the call and immediately called Wells Fargo " back '' to ask why there were unauthorized transactions right after I'd hung up with the " fraud department ''. The claim was subsequently denied since I'd provided " sensitive information '' allowing for the transactions despite the fact that I did not realize at the time that I was being scammed. To add insult to injury, I was also charged XXXX dollars in insufficient funds fees when my scheduled automatic bill payments were withdrawn. 
The ATM had shown XXXX transactions in the amounts of {$500.00}, {$60.00}, {$140.00}, {$200.00}, & {$100.00}. I then had XXXX {$35.00} insufficient fee charges totaling {$140.00}. 
All in all, I lost {$1100.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
REPORTING A INACCURATE LATE PAYMENT ON MY CREDIT REPORT ALL MADE ALL MY PAYMENTS ON TIME IT NEEDS TO BE CORRECTED.

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 2022-09-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Below is a letter written to Wells Fargo that is self explanatory.Loans Administration Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX Dear XXXX XXXX I am terribly upset at your XX/XX/XXXX letter informing me that my loan rate will be adjusted 2 % higher as of XX/XX/XXXX. For the past 18 months I have tried to work with your loan department to re-finance this loan at my present rate. 

As you will see, my revenues that I receive each year are far and away enough to have a refinance accepted. However multiple times I was denied because a large portion of my investments are in companies that strategically tax plan so the 1099s show little or no income ( Even though I am receiving the income ). 

Your loan department rejecting me is ridiculously arbitrary and a failure and caring to look into the actual situation. However, in spite of this, I just figured when the time came, I would sell off equities and pay off the loan. 

Due to the failure and consequences of our administration to manage the economy with any skill, the market has plummeted, and it is impossible to take funds out to pay off the loan at this present time. 

Now, even though I have always had the income to satisfy a re-finance, you want to increase my loan by an absorbent amount. 

THIS IS UNACCEPTABLE XXXX XXXX, What I need you to do ( and what is fair ) is extend the present loan rate another 6 months to a year. Or accept a refinance at the present rate for another 7 years. 

Please understand, I feel that Wells Fargo has acted capricious and intentional in this situation, and I am willing to take all steps to have Wells Fargo be fair. 

I thank you for your understanding and ask that you reply by e-mail

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 2021-04-20
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote Midland Funding /Midland Credit Management on XX/XX/2021 requesting Validation instead they sent a statement in the amount of {$3200.00} which they have not Validated the information requested. This alleged amount is being reported to the credit bureau the debt provided is in fact is erroneous and must be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 

XXXX. XXXX XXXX  opened XX/XX/XXXX. 
XXXX. XXXX XXXX, XXXX opened XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX opened XX/XX/XXXX Per - 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Per - 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 2022-09-19
Company: Block, Inc.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I sent {$1400.00} from my XXXX  XXXX XXXX checking account to my CASH APP account and then sent that {$1400.00} to my BOYFRIEND 'S CASH APP account- somehow during this process it was flagged as fraud via XXXX  XXXX XXXX and IT WAS NOT FRAUD. I called XXXX  XXXX XXXX and WITHDREW the fraud complaint that was filed and they did withdraw it. I have a letter stating that on XX/XX/2022 this fraud claim was RESOLVED AND CLOSED and since there was no fraud that my boyfriend would receive the money with 45 calendar days. It has since been over the 45 days and we still have not received the money from Cash App back and they have no answer as to where the money is and how we can get this back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
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:
Do to a number of FDCPA VIOLATIONS Ive noticed on my Consumer report I would like the following inquiries/accounts removed from my Consumer report. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: EQUIFAX, INC.
State: MD
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:
I am having issues with inaccurate information appearing on my credit report. please delete the following addresses below that are not mine : XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX, MD XXXX The following numbers do not belong to me please delete the they are not accurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Do to a number of FDCPA VIOLATIONS Ive noticed on my Consumer report I would like the following inquiries/accounts removed from my Consumer report. Please see attached documents.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I asked the reporting companies to remove all addresses that do not belong to me. I provided my right address.

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 2023-08-04
Company: Experian Information Solutions 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 earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

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 2022-09-19
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I've had issues with the last 3 billing cycles specifically with care credit company. I am not fully aware of the interest accrued as well as late payments they say were missed. I've been charged unexpected late payments which has affected my credit score as well as balance on card. Every time this company stated there was a late payment I've had to call and speak with different representatives just for them to remove the inaccurate late pays. I need a solution to this frequent problem. I don't feel good as a consumer knowing that this issue has occurred on multiple occasions. I've had to reach out to the financial institution they withdraw money from due to care credit stating they've never received payment from my account and sometimes payments were taken out twice and they stated it was nothing they could do about it when I reached out. The representatives were extremely rude when needing help. There should be no late fees as well as accrued interest. My credit limit has even decreased from {$800.00} to {$550.00} due to erroneous information they stated was on my consumer report. I do not agree with this and the company has to be held accountable for their actions.

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 2022-09-19
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:
In accordance with the fair credit Reporting act XXXX  XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d purpose

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