BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: FL
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2022-11-27
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX I called Aidvantage to request a refund for payments I made on XX/XX/XXXX as allowed under the CARES act. After not hearing back, I called Aidvantage who processed my request for a refund and was told an update on some form, via email, account alert, or new loan balance, would be seen within two weeks. After receiving no notification on status/update I emailed Aidvantage and I was told my request would take up to eight weeks. I still received no status update on some form, via email, account alert, or new loan balance. It is now XX/XX/XXXX and past due the eight weeks that was confirmed by the agent and the email response from my inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRUIST FINANCIAL CORPORATION
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have 3 loans with SunTrust. Truist obtained my loans. I have electronic payments set for every month. XXXX, XXXX and XXXX processed perfectly. 
However, XXXX, XXXX and now XXXX, I am having an issue with one of the properties. Truist received all payments on time but they aren't applying the payment to one property. It is being held in suspense. I have called several times only to be transferred multiple times and disconnected multiple times. Now my credit is being negatively impacted and the Truist website will not accept my XXXX payment. Everyone at Truist that I have spoken to gives me a different answer.

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 2022-11-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I just read the dispute I have with American Express. The following statements from American Express are fault. 
1. I booked XXXX business class tickets not XXXX. 
2. I was trying my best for 2 years to provide documents and send them to the insurance.

3. It is completely irrelevant with whom American Express back secures its credit card offers. My contract partner was American Express not a unheard of insurance. 
XXXX. XXXX XXXX  in the beginning of the lockdown was vanished. No one answered the phone! I was unable to retrieve any documents from the airline. To use this situation during XXXX lick down of the entire city of XXXX XXXX is to he ashamed for. 
5. I had contact with American Express more then 90 times in this matter. After 2 years and no results I told American Express due to breach of contract I will stop payments until this matter is resolved. 
6. My account was closed and I did not charge any additional amount to the card.

7. American Express has placed my account several times under past due and back to investigation. By keeping the card Itself blocked.

This procedure damsged my credit more then 200 points.

8. American Express new upfront I will stop payments untill this problem id resolved. Reported was thst I did nit pay my bill. I paid the bill just not onto the American Express account.

9. As requested before, reinstate my account, reenstate my credit, and I will resume payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: Prosper Marketplace, Inc.
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I contacted this company in XXXX. I believe it was XX/XX/XXXX to change my auto pay from one bank to another.

I was told that this change was successful and according to my account records it was successful. 

Now, I have been told the XXXX payment is late and in collection status even though it was confirmed that my account information was on file. There is no record of them trying to debit the account. 

I called today and was told that my XXXX conversation indeed happened and yet the payment is late. I was told the conversations are recorded so they have this conversation. I confirmed today multiple times that my ach was correct. 

I have also tried to pay this loan today and the system will not allow me to add either bank account. 

I believe I have been discriminated against and subject to a deceptive practice. They have verbally stated and posted that a new auto draft was created to make a payment. How is it that the payment can be late? How is it that I try to go in and make a payment and then the account can not be loaded?

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 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Ive sent letters off and receipt confirmation on XX/XX/XXXX & XX/XX/XXXX From Transunion. Here is my United State Postal article # XXXX XXXX XXXXconfirming Transunion did receive copy of my Driver 's license, utility bill, valid documents that shows your name, current address and letter requesting that according to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA The Credit Bureaus never did a proper investigation according to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on the consumers character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information They did NOT do this!! 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report The Credit Bureau stated my account was properly investigated but how is that possible of the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. These are grounds for removal. 
They also violated the law because to 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 AND I did not give anyone 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 2021-09-01
Company: Experian Information Solutions Inc.
State: DC
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:
XXXX is illegally reporting three charged-off student loans to the three credit bureaus past the 7.5-year period. In XX/XX/2021, I sent a letter to XXXX  disputing three charged-off student loans and requesting they be purged from the three credit bureaus in accordance with FCRA regulations ; however, XXXX  responded stating the information they reported was accurate and refused to request removal of the information from the three credit bureaus, Experian, 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 explanation
Consumer complaint received 2022-06-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently did a modification on my mortgage ( # XXXX ) with Carrington Mortgage Services, to refinance an arrearage due to Covid-19. I was out of town when they sent the document package ( without notification, I would add ), so when I received it, there were only a few days until the first payment was due. I called Carrington and asked if they wanted me to execute these documents, or if they wanted to send new documents. Carrington said they preferred to use the documents I already had, so I executed them later that afternoon, after Carrington had already closed. These documents included a note to pay off the arrearage I had accumulated during the Covid-19 problems. As I went through the document package, I realized they hadn't sent a first payment letter with the documents, as required, so I didn't know what the full payment was. But with the first payment being only a few days away, I decided to send the principal and interest payment amount ( {$530.00} ), to show good faith ( I knew that amount from the note ) and intended to either find out the amount of the escrows already applied to the loan or request to have some set up on my loan at a later date. However, when Carrington received my {$530.00}, they applied it TO THE ARREARAGE THAT THEY ALREADY HAD A NOTE IN HAND TO PAY IT OFF. I have been trying for over a month to get this straightened out, but to no avail. I have spent up to an hour on the phone each time, at least once a week, and each time they promised to fix the misapplied funds error, which they admit was done incorrectly, since it would have the effect of paying that part of the arrearage twice- but when I call back nothing is ever done. ( By the way, I have sent the remainder of that payment as well, {$410.00}, which Carrington is holding in suspense. I have also made a second full payment. ) I need for the monies to be properly applied and I feel some kind of sanction is in order for Carrington due to their inattention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Maximus Education, LLC dba Aidvantage
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX marked payments as late while they were in a repayment plan. They have promised multiple times to fix the " late payment '' error on my credit report and I see it still hasn't been done. 

This is having an extremely negative impact on my life. If they do not remove it I will be forced to sue. I HAVE NEVER MADE A LATE PAYMENT BECAUSE IT WAS IN AN INCOME-BASED REPAYMENT PLAN. THIS APPLIES TO BOTH ACCOUNTS WHAT THEY ARE DOING IS ILLEGAL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 2023-09-07
Company: EQUIFAX, INC.
State: TX
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 want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/2022, I went into XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX Fl to try to finance a used vehicle. I know my credit score is not the best but I still tried to apply. I was told that my credit was going to be ran ( which I agreed to ), but I was not aware that my credit was going to be ran many times through 15 different banks. 

Now I have about 17 hard inquiries on my credit score but I did not authorize the dealership to run my credit that many times. I want these inquiries removed if possible because I wouldnt of agreed if I knew this would happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: NH
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Acct # XXXX Acct type : collections Date open : XX/XX/XXXX On record to XX/XX/XXXX today is XX/XX/XXXX Reinstate any points list. Dispute with all 3 credit collections in case there on any other. 
Reason why is it still on my report 1 year past recorded date XX/XX/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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG 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 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 , FTC and my Attorney General.

Company response to consumer: In progress
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-10-14
Company: Experian Information Solutions Inc.
State: NM
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 have asked Experian, XXXX and XXXX XXXX to provide for me the documents with the original signatures and they have not.

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 2023-09-15
Company: Reel Time Capital LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received several phone calls from this collection company along with my mom about this debt. I have a voice message stating that they were contacting my job. I had a loan originally with XXXX XXXX, but they sold my debt to a collection company. I spoke with this collection company and asked for information about this debt, but all they kept telling me was I was going to court. I called a second time and the young lady wouldn't provide me with the name of her company, All she kept saying was the name of this company is called " XXXX '', I asked her for more detailed information and she would not provide it to me. I asked if they could mail me information about this debt to my home and they refused. The young lady even told me that they were no longer interested in payment, but I was confused as to why she was contacting me if you did not want any payment. On XX/XX/2023, I called XXXX XXXX and spoke with a representative who was able to give me that collection company 's real name. The debt collection company 's name is Reel Time Capital, LLC. There is no way you can tell me I owe a debt, but you're not able to provide me with anything in writing. I think this company is committing fraud and using bad collection practices. All I wanted was for them to be honest and provide me with more information, preferably in writing. That is the only method of communication I am open to having with this company if they're legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRANSWORLD SYSTEMS INC
State: IL
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
On XX/XX/2016 My personal information was stolen and used to file bankruptcy. I don't know how my information was stolen, I have not given my info to anybody nor have I authorized the court reporting this to me to file a bankruptcy on my behalf. The fraudulent Bankruptcy is listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX  Filed on XX/XX/201XXXX XXXX

Company response to consumer: Closed with explanation