BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: EdFinancial Services
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Wednesday XX/XX/XXXX I noticed my account was no longer receiving payments from my work benefits for the months of XX/XX/2023 through XX/XX/2023. I called Edfinancial, they explained the website had switched and they sent me instructions to verify these payments. I submitted my proof of payments through their portal. Included in my report were screenshots I took from multiple sources along with all relevant payment IDs. 

Despite updating the information for my account on the same date of XX/XX/XXXX, my payment for that month did not post on my account either. I called a week after to ask about the new payment that did not post, and got no helpful information from them except that maybe the updates were not in place in time and that they would just need time to " find '' the XXXX payment. 

XXXX came around and I called again on XX/XX/XXXX. My account was still not up to date ( missing XXXX payments ). I could no longer log into the old website, thus losing my payment history of the past 5 years. This time, they told me they could see the missing payments on their side and that they would be updating my side soon. I asked for a complete payment history as I did not believe them. They told me it would take XXXX business days. 

It has now been XXXX business days and I haven't had a single email of correspondence from Edfinancial regarding this matter. I have not been provided my documentation. I called again in XXXX with concerns that my account would begin accruing interest on the inaccurate balance, which they assured me would be backtracked. I called again on XX/XX/XXXX and again on XX/XX/XXXX. This time they told me the balance was accurate, which I can prove is impossible with paper statements. I asked for a supervisor to contact me both times, no supervisor has reached out. 

I haven't received a monthly statement from Edfinancial in 7 months, despite that being advertised as part of their " eStatement '' pitch. I haven't received an accurate account balance in 7 months. This inflated balance is now accruing unnecessary interest. I haven't received any communication from them despite calling multiple times. No other loan provider would behave this way. Imagine your mortgage provider losing XXXX payments and refusing to send you documentation. This is absolutely unacceptable and the fact that Edfinancial wins government contracts goes to show that the people awarding these contracts have done no research on the legitimacy or transparency of the provider. This is so unacceptable.

Company response to consumer: Untimely response
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: TX
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  Account # XXXX | XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instruction.

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 an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I filed a complaint about Bank of America about them holding my check and they called me at XXXX to resolve the matter but didnt offer me ANY resolution besides telling me all the information I already knew. I consider this harassment now. Im pretty sure they already have a class action law suit age them for calling people during times they shouldnt be calling people.

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 2023-08-14
Company: ACCESS GROUP INC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX is the Servicer for my private loans I got in XXXX  school. 

The interest rate, while variable, is currently about 9 %. 

The interest rate at the beginning of the loan process was about 5 %. 

I called XXXX and asked about this, they said that I had to call Access Group.

I emailed Access Group on XX/XX/23 indicating that I'd like to lodge a complaint with them. 

To date, I've received no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2018 I received a promo email offer from Chase to sign up for a UnitedAirlines credit card and that I would receive XXXX air miles and XXXX extra miles, if I applied for two cards and spent more than {$3000.00} in the first 90 days. I clicked on the " apply here '' tab and filled it out. I received my credit cards for me and my wife and we spent well over {$3000.00} in the first 30 days. Chase only gave me XXXX miles to XXXX. I contacted Chase and sent them copies of their original email and I spoke to 3 customer service and 2 supervisors. The last supervisor " XXXX '' stated on XX/XX/2018 that only XXXX miles were sent to XXXX because they set me up on the wrong promo. She stated this on the phone to me, and my wife was listening. We could not believe that she admitted they made a mistake but that they were not going to give me the advertised promo because it was already done and she said that was the end of it. I have the original email promo to prove my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
My student loans used to be handled by a lending company called XXXX but after I started working for the government and qualified for student loan forgiveness they transferred my loan to a company called XXXX. I have two issues now because XXXX is continuing to report my student debt as well as XXXX so it appears I have twice as much student loan debt on my report than I actually do.. also XXXX has been violated by the XXXX XXXX and my account is in mandatory forbearance pending my income driven repayment agreement which should be set at XXXX continuing once the issue is resolved but XXXX is reporting that my payments are deferred and they keep adding interest to the balance in my credit report but there is supposed to be no interest during the forbearance. I would like XXXX to quit reporting and have it removed from my report and I would like a XXXX to report accurately and update everything but I have had no luck and it has caused me to be denied for a mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: EdFinancial Services
State: OH
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 have filed income base repayment. It is not tax season yet and you are asking for money. You can't ask for money on income based repayment when this is illegal. You even have it says XXXX for repayment and you are asking for repayment now as of XX/XX/. You can tell me multiple dates.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-15
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt does not belong to me. I've stated this more than once with Jefferson Capital Systems LLC. Now it seems that this new company is also trying to collect on something that's not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: LEXISNEXIS
State: IL
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:
LEXIS NEXUS sold my credit information on or around XX/XX/2014 to the three major credit Bureaus and other companies, and this is hurting my credit score, and I'm not receiving a fair chance at credit worthiness. The original company does not report bankruptcies to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The 3 credit bureaus XXXX TransUnion XXXX are reporting inaccurate credit information According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.1.XXXX  XXXX {$34.00} 2.XXXX XXXX {$29.00} 3.XXXX XXXX {$110.00} 4. {$130.00} 5. {$35.00} 6. {$2700.00} 7. {$250.00} 8. {$35.00} 9. {$35.00} 10.XXXX XXXX {$91.00} 11.XXXX XXXX {$240.00} 12.XXXX XXXX {$29.00} 13.XXXX XXXX {$150.00} 14.XXXX XXXX XXXX  {$5800.00} these must be removed from my credit reports as they are fraudulent and you cant prove its mines or I will sue in court each violation is {$1000.00}

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX acct # XXXX. XXXX  XXXX acct # XXXX, XXXX XXXXXXXX acct # XXXX. US Dept. of Education acct # XXXX. Are all in violations of 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 USC 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Privacy Act of 1974. 
They are also marked as charged offs and charge offs are considered income and income can not be reported to consumer reports.

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
In accordance with the fair credit reporting act this creditor has violated my rights under 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 an account without my written instruction under 15 USCS 1666b a creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any 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
Consumer complaint received 2024-01-10
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 submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!

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 2024-01-10
Company: Army and Air Force Exchange Service
State: MI
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:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 US CS1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any 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
Consumer complaint received 2019-04-06
Company: Risecredit, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. GLA has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB   portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. 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. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute the inaccurate information on my credit report. I have carefully reviewed my credit report, and I have identified an error in the reporting of late payments on my account. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I want to bring to your attention that the late payments reported are inaccurate. The account in question has been settled and closed, and there should be no record of late payments after the settlement date. 
I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports, and I am exercising this right.

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 2023-07-17
Company: EQUIFAX, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/22 {$4700.00}, Transunion, XXXX and XXXX did nothing to resolve the disputed claims.

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 2019-11-13
Company: Experian Information Solutions Inc.
State: AR
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:
XXXX XXXX XXXX  IS STILL REPORTINH 2 ACCOUNTS ON MY CREDIT REPORTS W/O MY PERMISSION, AND THEY FAILED TO FORCE XXXX TO UN SUPRESS MY CREDIT FILES IN ORDER FOR YOU TO UPDATE XXXX  XXXX ACCOUNTS. WE I SIGNED UP FOR THESE TWO ACCOUNTS IT REQUIRED A 4 CREDIT BUREAUS, XXXX, EXPERIAN, XXXX & XXXX, SO THIER IS ONLY THREE AND THUS VIOLATING THE DODD FRANK ACT AND F.C.R.A.CREDIT FURNISHERS LAWS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
- My credit report was falsely accessed and without legal authorization twice with inquires placed on my file thus lowering my credit score and hindering my families way of life from XXXX XXXX XXXX XXXX   Other Collection Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Other Collection Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 2023-10-08
Company: EdFinancial Services
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In late XXXXXXXX XXXX XXXX, I was applying for a new car at my home bank. When they did a hard pull on my credit, they told me that student loans at EDFINANCIAL were on there twice, each for {$84000.00}. 
We had consolidated that {$84000.00} with XXXX in XXXX of XXXX. The XXXX amount of {$84000.00} is also on there. It appears that I have a student loan debt of {$310.00}, XXXX, when in reality I have a student loan debt of {$140000.00}. EDFINANCIAL never removed the debt after the consolidation with XXXX in XXXXXXXX XXXX XXXX 
In XXXX I called EdFinancial and when I started to tell the representative XXXX XXXXXXXX XXXX  about my issue with my credit report, she interrupted me and said " It is not our fault, it is the fault of the Credit reporting companies. '' She explained that the same thing had happened to her and I need to file a dispute with XXXX. She said there was nothing, no accounts, listed on her records at EDFINANCIAL under my name or of my husband 's. I am the co-signer. 
I then called XXXX and talked to XXXX about the situation. He first said that I am about the XXXX person this week to complain about EDFINANCIAL. He filed the complaint for me. 
I received a result in XXXX XXXX saying the the dispute was completed and information was correct. But it is NOT! 
As I am writing this on XXXXXXXX XXXX EDFINANCIAL is listed on my credit report with amounts of {$84.00}, XXXX twice! 
I have enough student debt for our sons, without adding another {$160000.00}. This information is ruining my credit score. 
I am asking CFPB to demand that EDFINANCIAL removes this incorrect information from my credit report as soon as possible. It seems that these companies are above the law. 
Thank you for your understanding and help.

Company response to consumer: Untimely response