BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: Maximus Education, LLC dba Aidvantage
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Issue with income share agreement
Sub-issue: Payment issues

Complaint:
I applied for the XXXX XXXX program on the XXXX  website.. Aidvantage did not bother to send results of the XXXX document but still sends or about to send me a bill of over $ XXXX. in this month of XXXX XXXX on a {$93000.00} student loan. The loan was only {$34000.00} while I was in school at XXXX XXXX XXXX  about XXXX  years ago. I believe the Student loan total amount is incorrect or bogus. Especially after it has been moved from different student loan companies ( XXXX to Aidvantage ) from the Dept. of Education. There is no way i should be paying for that amount of interest. i am filing a complaint because there need to be an investigation on this. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I pay my bills online at the bank. Bank paid one of my bills a payment on XX/XX/XXXX for XXXX instead of {$12.00}. I happened to check my online statement and saw what they had paid and immediately went to the bank to let them know that they sent the wrong amount. I also contacted the company that the payment was sent to and check to see if they got the payment, and instead of rejected the payment since it was wrong, but instead of rejecting the whole amount they took out {$12.00} out of the XXXX. I asked them how I was to get the remainder of the payment of XXXX back. They said they would return it back to VA Pay the company that the bank uses to pay their online banking payments. I returned to the bank after a couple of weeks since I still hadn't received the money back into my account yet. They check with VA Pay and they said they hadn't received it either. They in turn said they would contact the company they sent the payment to see how they returned it and on what date. They tried a couple of times to contact then but was unsuccessful. I tried today to get a hold of them, but I wasn't successful either. It's almost a month now and I still haven't got my money back. I also sent the Company a check for {$12.00} when I found out that they got the wrong amount of payment. They said that this payment would be for XXXX since they had already taken out XXXX payment out of the wrong payment XXXX. I don't understand why the bank thought XXXX was XXXX. I would of put it in as 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 monetary relief
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request : 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 explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I trust this letter finds you well. I am writing to formally address concerns regarding my consumer credit report. My name is XXXX XXXX XXXX, and after recently obtaining a copy of my credit report, I discovered discrepancies that warrant your immediate attention. 

It has come to my notice that my credit report contains inaccuracies, specifically in relation to late payments associated with finance charges. As per the United States Code, Title 15, Section 1605, the computation of a finance charge for any consumer credit transaction should encompass all charges imposed directly or indirectly by the creditor. Notably, fees and amounts imposed by third-party closing agents are excluded from the definition of a finance charge unless required or retained by the creditor. 

Upon thorough review, it is evident that late payments have been erroneously reported despite the presence of a finance charge. I draw your attention to the relevant sections of the United States Code, particularly 15 U.S. Code 1605 ( a ), which clearly delineates the criteria for the inclusion and exclusion of charges in the finance charge calculation.

I hereby request the expeditious removal of all late payments associated with a finance charge from my consumer report in accordance with 15 U.S. Code 1605 ( a ). As a consumer, I am entitled to accurate and equitable reporting of my credit history, and any infringement upon this right will be addressed seriously. 

I want to emphasize that, pursuant to the law, these accounts must be promptly updated to reflect " paid as agreed. '' Failure to rectify this matter immediately may compel me to pursue monetary damages for the violation of my rights under 15 U.S. Code 1605 ( a ). I am prepared to initiate legal action in small claims court in my city and state under 15 U.S. Code 1681n civil liability. 

Furthermore, I have already lodged a complaint through various channels, including the Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. I anticipate a thorough investigation into this matter. 

For your reference, the specific details in dispute on my credit report are as follows : XXXX XXXX XXXX Account Number - XXXX I kindly request your prompt attention to this matter and anticipate a swift resolution. Please furnish written confirmation of the corrections made to my credit report. 

Sincerely, 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 2022-12-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
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, USAA SAVINGS BANK acc # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am a government employee eligible for XXXX XXXX XXXX XXXX ( XXXX ). After my XXXX application was processed last year, my loans were transferred from XXXX to XXXX. I noticed that my Experian XXXX XXXX dipped recently, and upon investigating I found that both XXXX and XXXX were reporting the same student loans. This, essentially, doubled the student loan balance that appears on my Experian credit report and negatively impacted my score. I noted that, on XXXX and XXXX, the loans appear correctly ( solely under XXXX ). 

On XX/XX/2023 I opened a dispute with Experian asking that the XXXX accounts be removed, as my loans were being double reported. On XX/XX/2023, Experian closed the dispute without removing the superfluous XXXX accounts. I am turning to CFPB for relief, as in this high interest rate environment, having an artificially deflated credit score is a major hardship.

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 2022-08-23
Company: Exeter Finance Corp.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Please see the occurrence report attached. My documents are about 100 pages long. I'll upload a few here and furnish the rest in an email. I've been so unfairly just with these companies. I want action against them!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer. 
Provide accurate information about accounts or other interactions you have with customers. 
C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report.

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation. 

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
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 explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: MO
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 writing to bring to your immediate attention a pressing issue regarding the inclusion of charge-off accounts on my credit report, despite multiple attempts to rectify the situation. I am seeking your urgent assistance to expedite the removal of these accounts and restore the accuracy of my credit history without further delay. 

Despite submitting disputes, the charge-off accounts on my credit report persist. This situation is causing undue stress and negatively impacting my creditworthiness, which is of utmost importance to me. 

I have attached supporting documentation, including previous dispute submissions and any pertinent evidence, to facilitate a swift resolution. 

Recognizing the significance of the Fair Credit Reporting Act ( FCRA ) in ensuring the accuracy of credit reports, I am requesting your immediate intervention to expedite the removal of these charge-off accounts. 

Considering the multiple unsuccessful attempts to address this issue, I urge you to conduct a thorough review of my case, identify any obstacles hindering the removal process, and take immediate action to resolve these matters. I expect regular updates on the progress of the removal process. 

I insist that all relevant creditors and parties involved be promptly notified of the inaccuracies and that necessary steps are taken to ensure the swift removal of these charge-off accounts from my credit report. 

Timely resolution is crucial, as it directly impacts my ability to make informed financial decisions. I am asking for your assistance to remove these accounts in my credit file : XXXX XXXX Balance : {$250.00} ; XXXX XXXX Balance : {$8700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I paid my student loan on XX/XX/XXXX ( pmt was due XX/XX/XXXX ) and it was posted to the wrong account through Nelnet. I made an additional payment on XX/XX/XXXX which was cancelled by the Nelnet representative stating the moneys I paid previously would be transferred to the correct account. To date this has not occurred. 

I then received notification about a " missed '' payment- which again was not missed. I accused additional interest and my account reflected no payment due until XX/XX/XXXX, although credit reporting reflects a missed payment in XXXX. 

I called Nelnet back mid XXXX after I was notified by XXXX XXXX about ht missed payment and paid an additional {$200.00} over the phone. I have not made a total of {$500.00} in payment for an amount due that is less than {$200.00}. 

In addition, I never received notification of a change in payment address and had been paying my student loan since XXXX without issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Google Compare Credit Cards Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Google gets updated credit card numbers from bank without my authoriization. 

I changed my credit card number and kept the same bank. 
My bank sent Google my new numbers without my authorization. 
I charge {$25.00} a year for my Google domain name. Google no longer owns my domain because they sold it to XXXX so there is no need for them to have my credit card number. 
I tried to remove my credit card from Google and it will not let me. Although there is no reason for them to have my credit card since I am not buying anything, they will not let me remove it. I need to give them another credit card to replace it if I want it removed. 

1. I have never had any credit card automatically updated by a bank after changing it. I always need to go in and add my new card to the business to continue auto pay. I thought this was illegal. 

2. Google is not allowing me to remove my credit card from their business when I owe them no money. I thought this was also illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX charged me {$320.00} on XX/XX/XXXX and {$91.00} on XX/XX/XXXXXXXX XXXX XXXX set the wrong insurance ( XXXX XXXX XXXXXXXX ) and never contacted me for the correct insurance XXXX XXXX XXXX XXXX XXXX XXXX ) or with a bill via phone, mail, or email. XXXX XXXX sold the debt in XXXX to Receivable Management Systems. Receivable Management Systems never sent me a letter to the address provided to them by XXXX XXXX. I have never received documentation from Receivable Management Systems, even after requesting it once I checked my credit and saw the collections account. I called XX/XX/XXXX and was told the account has been accruing interest since XXXX, and the amount owed is {$900.00}. I was unaware of this collection account, and Receivable Management Systems never reached out to me and has an address on file they pulled from some unknown source. Receivable Management Systems have never reached out to the address they have on file. 

Receivable Management Systems XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Toll-Free Hours of operation : Mon. XXXXXXXX XXXX XXXX XXXX XXXX Friday XXXXXXXX XXXX XXXX XXXX Saturday XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Kindly examine the attached documents. I want the bureau to initiate an investigation into these accounts, as they are reporting me as late, which is not the case.

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 2022-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
At the beginning of XXXX, Bank of America closed my account, but to this day there is still {$5600.00} in the closed account that has not been refunded to me, and they claim that they are still investigating. However, I need money urgently because I need surgery recently.

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