BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-30
Company: EdFinancial Services
State: KS
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 requested a refund on XX/XX/2022 for a fully-paid student loan account and have not had my account balanced updated or the refund processed yet. There is only a single payment for the entire account so I expected the process to be fairly fast. Zero communication has been given to me through email notification or phone call, which is unacceptable because it does not let me know if the request has gone through properly. This leads me to assume there was some incompetence with the handling of the refund request and want the issue corrected. The refund is for payments during the COVID forbearance period and I need this issue to be handled in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: DE
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:
Recently, I did an investigation on my credit report which coused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: TX
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:
There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items from my credit report : Inquiry XXXX XX/XX/2020 Collection XXXX # XXXXXXXX XXXX XXXXXXXX # XXXXXXXX XXXX # XXXX XXXXXXXX XXXX  # XXXX XXXX  XXXX # XXXXXXXX XXXX # XXXX Late Payment XXXX XXXX # XXXX No Category 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 2023-05-13
Company: EQUIFAX, INC.
State: SC
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX XXXXXXXX Balance : {$4000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: CL Holdings LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I have Requested That this Collection Company several times please stop Harrassment And please stop calling me and sending me Letters in my mailbox. I have Already contacted my Creditors All 3 and have had this Company stopped from Attempting to take Money from me over matters that Have been long past statute of limitations and This Jefferson Capital Attempted to Lure me into Payments that have been settled And long past paid wrote off. Unfortunately this particular company Would refuse to Tell me who they were and what they were trying to collect from me As I was concerned in regards to Many stories of Credit theft and identity theft, I immediately contacted the creditors XXXX, XXXX and XXXX to Have this company Be Removed due to Shady and misinformation and lack of any Information in regards to The debt they were harassing me about. ALL THREE Creditors Have Long ago Concluded ans closes this Company and is Nolonger on my reports and has not been for some time. I have asked this company several times to STOP calling me texting me and mailing me as I am XXXX and I have a very aggressive form of XXXX XXXX and with XXXX XXXX  XXXX The XXXX Causes me to XXXX XXXX XXXX I currently am taking XXXX at the XXXX center and this XXXX has gotten me absolutely XXXX my neurologist has already had to write letters in regards to other situations that they Be XXXX free environments that contribute to more XXXX XXXX. At this point I am Going to fike a law suite for This due to their absolute careless Concern for My health as I've already had discussions about with this company. Please help me to end this harassment that has gotten extremely out of hand at the hands of this Jefferson Capital. Thankyou for your time and effort in regards to my situation with this overwhelming harassing company Jefferson Capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: Experian Information Solutions Inc.
State: IL
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:
FTC Report attached : Per FTC a police report is NOT required. 

I was incarcerated XX/XX/XXXX to XX/XX/XXXX in XXXX prison booking # XXXX. 
Any accounts or inquiries opened between these dates I did not open. 

I should have absolutely no credit established in my name. 

I have included the FTC report and copies of my credit 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 explanation
Consumer complaint received 2022-06-15
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In XXXX of XXXX the vehicle XXXX XXXX XXXX had been in an accident while at the same time had an amount due of {$5000.00}. At this time I was awaiting the insurance to identify payments toward the car based on coverage that was identified as totaled. I then called Honda Financial Services from which the loan resided to ask for a slight delay in payments due to the insurance review and if they would cover the open balance to close this loan out and transfer title to me. Honda Financial Services took note of it in XXXX but then went to impact my credit scores. 

XXXX was at XXXX as of XX/XX/XXXX and was dropped down to XXXX due to the impact. 
XXXX was at XXXX as of XX/XX/XXXX and was dropped down to XXXX due to the impact. 

This is substantial impacts for asking for support for only a month to conclude the accident and insurance adjustments. Since this time everything is caught up to date except the impact to my credit score from which I communicated with the bank to adjust numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: U.S. Auto Sales Inc.
State: GA
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:
According to my most recent credit report, XXXX  and XXXX  are currently reporting that I applied for credit with the companies that I'm not aware of. I did not grant them authorization to review my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to place a security freeze with equifax via their phone number and website, they were unable to assist me and I am not able to reach a live person to fix this. I tried to place a security freeze with XXXX and they want to charge me {$100.00} to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: GA
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, XXXX XXXX XXXX XXXX Account # 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 explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 am a legal resident of Delaware and after doing some investigation on the company attempting to collect a debt. I discovered that XXXX XXXX XXXX. is not legally Licensed to collect debts in the state of Delaware.

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 2022-06-15
Company: Paypal Holdings, Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A guy named XXXX XXXX asked {$10.00} from me for gas, but never came to pick me. Then he keep asking for more money, I realized this is a scam. I contacted Venmo immediately for help. But Venmo didn't help but asked me to contact XXXX XXXX to solve the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-04
Company: FIRST NATIONAL BANK OF OMAHA
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My XXXX credit card ending in XXXX is showing an opening status on my credit reports. I called the automated system weeks prior to close my account yet the open-status remains on my credit 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 explanation
Consumer complaint received 2019-11-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In the summer of 2018 my account was automatically closed at J.P. Morgan Chase. I've had a checking account with them since I was legally able to have a checking account in my own name. In 2018, unknowingly someone deposited fake checks into my account without my consent or permission and fraudulently signed my name. I don't know what this individual could have gained depositing these checks into my account, but subsequently i've now been unable to open a checking account because I'm in XXXX XXXX. This has caused severe detriment to my ability to live. I can't open a bank account in my name and I am employed, which is causing me a great deal of difficulty in my day to day life. 

I would never have done such a thing and don't believe I should have been punished for something I didn't do. It would appear someone decided to do this to me out of malice and cause harm to my life. Please assist me in getting removed from XXXX  XXXX. I've been working extremely hard to get my finances in order and this is causing my extreme XXXX  and XXXX with the disruption it's brought into my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Convergent Resources, Inc.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Initially I thought this item was a result of unauthorized use because I knew I did not have a balance with the company. After reviewing the documents they sent for validation, I now have a better understanding of how the account was handled. I placed an order to XXXX and the original order was sent to the wrong address. The company said they would resend the items to my mother ( they were two of five gifts I sent her. ) Months later, I asked my mother why she never wore the dress and hat I sent she said she never received the items from XXXX. I contacted the company directly and informed them that she never received the items, requested a refund of the payments I made, and that the account be closed. I assumed my wishes were honored. Now I see that they were 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 2020-05-27
Company: Experian Information Solutions Inc.
State: NY
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:
as previously notified I am a victim of identity theft

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: Upgrade, Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX different occasions in XXXX, 2023 I had incidental holds on my card ( {$150.00} each stay ) that is still posted on my account. The first several times I called I was told to contact XXXX. XXXX told me to contact the bank ( XXXX XXXX  ). I left several messages and no one called me back. The last time I called the number on the credit card, I was told my XXXX  card was not really a credit card, it was a loan- I was never told this before. However, I believe the holds remain on the card so I have more interest to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The three credit bureaus TransUnion, XXXX, and XXXX have been causing me extreme distress. Each of these companies have been reporting incorrect information on my credit report! This is really frustrating because I have sent them countless letters and to no avail they aren't even responding to my letters anymore. No explanations or anything, they have completely ignored me beyond the point of disgust. With each of these bureaus reporting different information on these accounts there is absolutely no way to prove who is right and who is wrong. Also this is against FCRA guidelines, per the FCRA each bureau must report identical Information to a credit report and neither credit bureau as adhering to FCRA rules. It is truly disturbing when you have these credit bureaus getting away with such injustices. If they continue to get away with it they will continue to do it. Please help in resolving my issues, thank you.

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 2022-01-03
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I keep getting bills from Lockhart , Morris & Montgomery , Inc and XXXX XXXX XXXX. 

I received a letter, I called and they have info on the account number they provided on the letter. No one can tell me what services were provided. What I am being charged for. 
I requested a copy of the bill and services provided, I was told they would have to request those doc 's and then tried to pressure me into paying {$470.00}. 

I need help .... I do not know why they are billing me and adding this to my credit bureau report. 

Please help!!!! 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Problem Company : SPECIALIZED LOAN SERVICING Problem : I am paying my monthly loan payment in advance before the date it is due and instead of crediting my loan payment to my loan as a monthly loan payment the company is crediting my payment as a " principal only '' payment and then when the monthly loan payment due date arrives the company is stating that they never received my monthly loan payment. Then, the company is marking me as not paid and is then charging me a " late fee ''.

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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.

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 2023-07-04
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I was notified via email that Mr Cooper Home Loans had paid my hazard insurance in the amount of {$1400.00}. On XX/XX/XXXX I received notification that XXXX XXXX XXXX has not received payment for my homeowners insurance. 

This same problem occurred in XXXX, however Mr Cooper applied a " force placed '' insurance policy to my account, which then increased my monthly payment by ~ {$150.00}. When I provided them the insurance policy details that has existed on my account since they assumed ownership of my mortgage from XXXX, they sent me an " overpayment '' check for the amount of my insurance policy premium, which I then sent back to them to apply to my escrow and pay the homeowners insurance premium. After finally processing the insurance payment correctly, they did not revert my monthly payment back to its original monthly payment amount, which was around $ XXXX. I've been paying the {$1500.00} for the last year, which is what they adjusted it to, to presumably pay for a force placed policy that was never needed, since my XXXX policy had been in place, uninterrupted. 

This problem has been occurring every year since Mr Cooper assumed ownership of my mortgage from XXXX, which I believe occurred in XXXX.

Company response to consumer: Closed with explanation