BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was supposed to be a co-signer for a Care Credit at a XXXX office, multiple times while the application was filled out and my signature was obtained both the main individual and myself were constantly told I was just the co-signer. About 2 months passed and neither the main individual nor I received anything from Care Credit, recently when I began to receive a bill that said the account was overdue. I spoke to the main owner of the account and he told me he had not recieved any bills yet. I personally went to the XXXX office and their employee told me that the main owner of the account didnt qualify with a co-signer so they decided to open the account solely in my name. I brought it to the XXXX employees attention that at all points through the process we were informed I was just a co-signer. Her response that it was too bad that there was nothing they could do to fix it. I told her if need be I would seek legal assistance because my signature was obtained through misrepresentation. The XXXX office employees response was that I should do what I had to. 

When the individual that was to be the main on the account went to the XXXX office and asked what they did as XXXX ( me ) was supposed to be a co-signer and they kept saying the account was being opened with a co-signer. The XXXX office employee repeatedly apologized and said they made a mistake. We continue to try and speak with the XXXX office about resolving this and their less than useful employees that created this mess have taken to saying too bad or ignoring calls from the main individual. Further when the main attempts to call from another number, as soon as they know it is him, they hang up on him. He has not been able to speak to a supervisor or anyone at that office now. 

I have reached out to Care Credit to attempt and resolve this as I would not have agreed to be the sole owner on this account. After speaking to multiple Care Credit employees and telling them if need be I would file a complaint I was told to go ahead and file a complaint that they had no idea what the XXXX   office did and they could not help. 

This is extremely stressful as neither the main not I know. Care Credit has XXXX offices providing misleading information and obtaining agreements through fraud and misrepresentation. Further, after speaking to their multiple call lines they do not work with resolving issues created by XXXX  offices desperate to open accounts for them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX # XXXX XXXX, XXXX # XXXX XXXX, XXXX XXXX # XXXX XXXXXXXX, XXXX # XXXX XXXXXXXX, XXXX # XXXX XXXX, XXXX # XXXX XXXX, XXXX # XXXX XXXXXXXX, XXXX # XXXX XXXXXXXX, XXXX XXXX # XXXX XXXX, XXXX # XXXX XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-10
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: Old information reappears or never goes away

Complaint:
On XX/XX/2018 i submitted a dispute regarding an old account which is appearing past the statue of limitations. FCRA law requires accounts past 7 years be deleted and not rpeoterd. I asked these companies to delete these illegal accounts and have gotten no response besides a general " we are working on it ''. I have been disputing this account for many months now and I am defeated and getting no where with these bureaus who are ignoring me and prolonging their removal of this account from my credit reports. I have been patient but now I am contacting and attorney if this dispute goes ignored. I have attached the derogatory account that is ink question, Please see my disputes on XX/XX/18 # XXXX and # XXXX The response make no sense. the accounts never indicated they are being disputed in these 40 plus days I have been patiently waiting. what is going on? please respond and delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: EOS Holdings, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have requested on numerous occasions verification of this debt. I havent had a XXXX  account in XX/XX/2019 or the internet, so this is invalid. They are still not removing this debt. I believe I already paid a lawyer to relive this due to being invalid but not for sure. They are not removing or validating the debt and it is violation. FCRA laws and damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: NY
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:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verfied claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant XXXX {$92.00} XXXX {$91.00} XXXX {$100.00} XXXX {$1000.00} XXXX {$1700.00}

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 2022-05-16
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX is the company consolidating all student loans on my CREDIT REPORT. To date XXXX is no longer the company consolidating my student loan debt. I have never owed any payments neither been late on paying as my account has always been in a differed payment status. XXXX reports a late payment on my account which is not accurate whatsoever. In addition, XXXX now claims to have no administration over my student loan accounts. They have transferred my student loan account to another company. XXXX has done so without having provided any proper/legal notices of this transferred/changed account status. XXXX is continuing to report on my credit as the administrator managing my accounts which violates the FCRA rules of truth and accuracy in reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: GUARANTEED RATE INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXXI was applying for a refinance loan for my home from guaranteed rate and on XX/XX/XXXX I was asked to pay a {$450.00} fee upfront for an appraisal. The appraiser was an unlicensed intern pretending to be licensed. It was not disclosed that an unlicensed appraiser would be performing an appraisal at my home. On XX/XX/XXXX she came to my home to do the appraisal. The appraisal did not come out favorable and with numerous attempts to resolve this issue with guaranteed rate, this resulted in my loan not being able to be processed. We bought all these issues to senior managements attention. We were promised that the appraiser would redo the botched appraisal, but that never happened. They will not refund the {$450.00} back and we were told sorry it didnt work out, better luck next time. This leaves me with no options, no refinance loan, just a fee to an unlicensed intern who botched an appraisal leading to the loan not able to be processed. We spoke to several managers at the company with no results. This company was supposed to refinance my home not sell botched appraisals. We have been victims of a fraud and scam and the company is negligent to assume responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX/XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
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:
I am XXXX I`m a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Greetings, Hope all is well. My name is XXXX XXXX I maintain a checking account with TD bank and I just noticed that an overdraft fee of {$35.00} was assessed to my account. I am truly confused because money was in the account. I tried calling but was on hold for over a hour. Can someone please help me resolve this error. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-29
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I modified my loan with XXXX in 2009. 
The company changed name and is now called Ocwen. I was told if I had 3 years of timely payments on a trial basis bases and I kept the house, the loan would be as is with no prepayment penalty and I would not owe additional funds. I have been renovating my house out of my own pocket since then. I want to refinance my loan. When I asked for a pay off with Ocwen informed me I owe them an additional 25 % of the new appraised value. There was one stipulation, if I renovated and submitted receipts they would deduct that dollar per dollar. I asked what is criteria for remitting receipts and what would be accepted. I was told there was no one to talk to and it's up to their discretion. I want some solid guidelines. When I researched this loan, numerous people were told the same as myself that we were out of any pay back after 3 years. How can this be so subjective? And they lied about a three year termination of any stipulations. My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EdFinancial Services
State: CA
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 am being charged interest through my servicer but not through student aid site. Servicer does not have accurate info regarding payment plans accounting for my new consolidation rate reflecting incorrect monthly payments

Company response to consumer: Untimely response
Consumer complaint received 2023-09-21
Company: EdFinancial Services
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Tuesday XX/XX/23 at XXXX, I recieved a callback from EdFinancial and requested the banking information of this company, in an attempt to establish an ach transfer. I was refused such information. 

Thursday XX/XX/23 at XXXX, I spoke with XXXX XXXX last name not provided ) and she told me that she is refusing to provide me with the company 's account number for an ach transfer, because she believes that an ach transfer is a wire transfer and company policy dictates that they do not accept wire transfers, despite my explained intent for an ach transfer, to protect my own finances.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-29
Company: Navient Solutions, LLC.
State: CO
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:
XX/XX/XXXX Consolidation of loan. XX/XX/XXXX Only XXXX principle paid since XXXX. Will retire before loan is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EdFinancial Services
State: MA
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:
Loan servicer EdFinancial is engaging in fraudulent activities, misrepresenting information, and not disclosing information regarding the repayment process for loans for borrowers with active Borrower 's Defense cases. EdFinancial is purposely misleading borrower 's in order to pro-long the period in which interest will accrue on the loans they are servicing. 

See attachment for full explanation of issue explained to FSA Ombudsman. 

CFPB complaint was previously filed earlier this month, this complaint includes substantially more background. 

Complaints also submitted to XXXX, OIG, and MA Attorney General Student Loan Ombudsman.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-17
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have a discover credit card where i make a XXXX minimum monthly payment. I recently have gone through financial hardship and have been late on making a monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: MD
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:
I provided documentation and a request to the credit bureaus via XXXX Certified Letters with tracking numbers XXXX, XXXX, XXXX on XX/XX/2022, To remove personal information that I do not want on my credit report. In accordance with the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. 15 USC 1681 Section 604 A Section 2. States that a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802, no financial institution is permitted to share my information to any third parties. This is a violation of my federally protected consumer rights. 

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 2021-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I have reached out to all three bureaus to have inquiries removed from my credit report because I have not applied for any credit. I asked them to supply documentation stating that I applied for credit and they have not been able to supply that information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: ADP Inc.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX I ordered some stuff from XXXX. it was {$14.00} something.. I had a hold on my debit card for {$68.00}.. but it wasn't a charge. I called my bank and asked them to remove the hold.. They said I disputed the transaction and deactivated my card .I told them that I authorized {$14.00} and to not deactivate my card but they did anyway.. 

Wednesday XXXX the money from the hold was released back into my account. The charge for {$14.00} for XXXX still went through ( eveb though it wasn't fraudulent ). I haven't had access to the money in my account for 4 days because the bank deactivated my card. 

I asked the bank to please reactivate my card or allow me to use the transfer money button in the wisely app. They won't reactivate my card or allow me to transfer my money to another account.. 

The bank said that I have to wait an additional 7 to 10 business days to receive a new card and I would have to wait to receive the new card before I can have access to my money.. My paycheck will be deposited into this account by XXXX. I going to be denied the use of those funds as well.. Unless I want to pay {$35.00} for an expedited card. Which is ridiculous.

Company response to consumer: Closed with explanation