BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-06
Company: EdFinancial Services
State: PA
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:
Edfinancial has been impossible to get in touch with. I've paid my account 3 times in the month of XXXX because they keep reversing the transaction. Now it's saying my account is past due and theres nothing I can do about it. I've already called my bank and they said that Edfinancial hasn't even attempted to take the money out of my account. I've tried calling and I've tried emailing. No one has gotten back to me, and the interest keeps going up. This is beyond frustrating.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-06
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:
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 : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Flagstar Bank, N.A.
State: WA
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:
RE : XX/XX/XXXX Late Payment I am requesting to please remove the delinquent payment that was applied to my credit score for the month of XX/XX/XXXX. The delinquent payment was due to a bank error and not delinquency. The following is the history and background of what transpired. 

XX/XX/XXXX - I made my XX/XX/XXXX online Flagstar mortgage payment. On that same day, I made {$4500.00} deposit into my bank account to cover the mortgage payment and any miscellaneous first of the month transactions ( bank account should have been credited {$4500.00} instantly ). 

XX/XX/XXXX - Flagstar attempts to pull funds from bank account and is denied due to insufficient funds. 

XX/XX/XXXX - Bank deposits money into account 48 hours late. The bank does not know why this mistake happened as the funds were supposed to be instantly available. 

XX/XX/XXXX - I realize the mistake the bank made in not posting the funds immediately while looking at my bank account online. I promptly correct the issue and make the XXXX payment. 

XX/XX/XXXX - XXXX mortgage payment is made. 

XX/XX/XXXX - Receive credit score alert that my credit score now has a delinquent payment due to our mortgage payment not going through. I quickly called my bank and was furious. They couldnt explain why the check was not automatically deposited into my account as was done several times before. They apologized and promptly refunded the NSF / Overdraft Fees that occurred during that time period ( making my account overdrawn and unable to process the mortgage payment ). They also apologized and said there was nothing they could do about the missed mortgage payment but said to contact Flagstar, explain the situation, and show the refunded NSF/Overdraft fees as validation of the mistake.

My wife and I are both self employed. I am a consultant and my wife owns a restaurant. This is the first time a late payment has hit our credit report. The reason why we had to push our payment till the end of the month was my clients were late paying their invoices and the restaurant is always slow in XXXX. COVID has very much impacted our finances but we pay our bills and have no desire to apply for forbearance. This payment should have gone through without any issues and its incredibly frustrating! We will be switching banks because of this mess, I understand mistakes happen but this could have major implications on my score for years to come if its not corrected. 

We respectfully and humbly ask for you to remove the late payment on our credit report due to the honest attempt to pay on time ( XX/XX/XXXX ), extenuating circumstances/mistake with our bank, and our flawless payment history. 

Thank you for your consideration. 

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 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I don't recognize these accounts and inquiries, i have never applied for these creditors.

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 2023-06-28
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi, I Didn't not realize that someone else has stolen my identity until a few weeks ago when I keep getting alerts on my XXXX XXXX account. I then proceeded to check into my credit report and seen that someone has been using my identity and started opening accounts under my name. I have all ready made a report with Experian. About this identity fraud. 

Thank You, 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 2021-01-08
Company: Mercedes Benz Financial Services
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: Account information incorrect

Complaint:
I communicated with Mercedes Benz Financial Services, XX/XX/2021 about a report of a delinquency to XXXX  and XXXX  that was derermined to be inaccurate. When I ask for an immediate resolution of the error I was unable to communicate with the credit department. I was told they do not speak with clients and they only communicate with credit bureaus once a month. 
I am in the process of applying to refinance a mortgage. This failure to expedite the remediation of their mistake is problematic for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: The Law Office of Peter S. Lake, P. C.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I m currently working with customer legal group to help resolve my debit when I received this warrant of debt in the mail. I have notified customer legal group at XXXX about this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: LA
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: Consolidated Management Group, LLC
State: CT
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 inquires on my credit fie on accounts I didn't try to open, I have requested proof and nothing has been sent to me, and these accounts are still showing as a inquiry on my credit file.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-28
Company: FISERV INC.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My company used XXXX for all our transactions for my XXXX business ( XXXX XXXX, XXXX. ). In the month of XXXX we used XXXX to collect {$74000.00}. XXXX put a hold on transferring this money to my account due to a fraudulent claim. There was not any fraud involved. They have already taken the money from my customer and are holding onto it. every attempt we have made to collect these funds have been met with people giving us the run around. All of our direct contacts have done nothing to help us and have even gone as far as to avoid our calls. It has been almost 60 days that they have been holding onto my money and I need it deposited to make payroll for my employees. At this point I need any help I can get to get my money deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EdFinancial Services
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
My Borrower Defense Application was approved for forgiveness on XX/XX/XXXX. 

Edfinancial Services did not discharge my loans. I had several closed loans that were consolidated and held by Dept of Education in XXXX and they put Discharged status on the closed {$0.00} loans and put my consolididated back into repayment. 

I tried calling them and after being on hold for hours I explain my issue and they hang up.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-22
Company: CommonBond, Inc.
State: WV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a private student loan through XXXX XXXX XXXX, a private loan through XXXX XXXX, and federal loans. I have never once EVER had an issue with my loans from the federal government nor have I ever had an issue with my private student loan through XXXX XXXX. From day one, there have been nothing but continuous issues with CommonBond. Even when Im a XXXX they put me in repayment and do NOT defer my loans. My co-signer and I have credit reports backdating to XXXX when they initially started making these reports and I was a XXXX XXXX XXXX. Fast forward to XXXX. They started reporting in XX/XX/XXXX to the credit reporting agencies that I was not making payments. No I was not making payments as I was a FULL TIME XXXX XXXX IN XX/XX/XXXX! When confronted with the facts and that they CAN NOT EXPECT ME TO PAY ON MY LOANS FOR AT LEAST 6 months. They continued making reports and both mine and my co-signers credit scores have dropped tremendously. The ONLY BAD REPORTS are coming from XXXX XXXX  CommonBond. As I have explained to these people. I will be back in seat in my XXXX XXXX on XX/XX/XXXX. Nonetheless, they can not continue making these false reports because I had 6 months from the time that I ended the semester in XXXX to make my first payment. We want to seek legal action as we have well documented records clearly depicting that I have always maintained XXXX XXXX XXXX status. Which is evident by the FACT that both XXXX XXXX and the FEDERAL GOVERNMENT HAVE NEVER EVER EVER put my account in repayment. The attorney that I spoke with said to put it in writing with you first so that is what my co signer and I are doing.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-06
Company: EQUIFAX, 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: 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Citibank has been lowering the credit limit on some of my accounts without cause. They send a notice via email stating cause from a credit reporting agency. They lower the limit and then report it to the bureau which affects my scores. The scores drop and they do it all over again. I do not pay late and most cards are on autopay with more than minimum amount. They have done this four times to me in the last 6 months.

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 2021-01-08
Company: Automatic Data Processing, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
First paycheck from XXXX, as an employee, is being withheld because can't confirm if they mailed a check or not. I set up direct deposit information but they can't confirm if the funds were electronically delivered either. I have neither received the funds electronically or by mail. I have informed delivery through the USPS and can confirm constructive receipt of all parcels in the past 10 days. No correspondence is identifiable from ADP has been sent or delivered. 

I have contacted them 3 times for a total of 3 hours and have been promised escalated attention 3 times. No one has called me to resolve. I am now 10 days beyond when I should have received the check. They have given 3 separate answers to why they don't know what happened, all of them ending with " we don't know if it was mailed or not '' but a supervisor will call you and research it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: IA
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 am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. There are some accounts that I don't recognized, someone stole my identity and obtained the unwanted negative items reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
Company: Solidus Group LLC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never got proof of anything and I was sent threatening letters. Before the threats I was told that they can help fix my credit score and get rid of any depts I refused and thats when the games began. The things on my credit arent even from me I have received all kinds of letters saying this is too collect a debt. And letters saying that it has been turned over to a collection agency for what it never says the debt

Company response to consumer: Untimely response
Consumer complaint received 2019-07-04
Company: Experian Information Solutions Inc.
State: TN
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 an account on my report that is not mine belongs to someone else, also there are names and addresses that do not belong to me. Reporting information that you know is inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

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 2023-10-19
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15
U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$300.00} ; XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX  Balance XXXX {$760.00} ; XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXXXXXX ) XXXX Balance : {$290.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$810.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX. XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$660.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: MD
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'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 non-monetary relief
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX  Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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