BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: EdFinancial Services
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I tried to pay my loan in full online 2 consecutive times, before student loan interest resumed. It would say my payment was pending for about 10 days and then received. Eventually I would check back to see if my loan was XXXX only to then see a payment reversal that was backdated to when I had initially paid it. This happened TWICE, so I called and paid via phone. This time it actually seemed to work, because I could see the balance was taken out of my account. Only to see now 30 days later my ENTIRE balance was allocated to one loan instead of allocated to my other loans according to how much I owe. I now have a notification claiming that I am late in my payments since my payment was not allocated correctly nor was I able to go online and do it myself due to the multiple payment reversals. Trying to get a hold of Edfinancial is impossible. The first time had a wait time of 3 hours, they had the option to hangup, leave my number and someone would call me back. No one did, I am currently on hold with them as I type this and it's been 2 hours and still haven't spoken to anyone. I've also emailed in the meantime ... no response. Absolutely the worse time trying to get ahold of anyone. Meanwhile I accumulate interest the more time it takes to get a hold of these people.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$240.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXXXXXX XXXX Balance Owed : {$86.00} ; XXXX XXXXXXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX Balance Owed : {$630.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 2022-11-15
Company: EQUIFAX, INC.
State: PA
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:
each bureau expect XXXXEquifaxXXXX  has removed and deleted - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  not have they only failed to comply or properly investigate, but the collection agency has not been able to verify and validate this debt as mineXXXX XXXXXXXX has refused to investigate the accuracy of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On  two occa sions this year, once in  XXXX  and once in  XXXX  I contacted  Convergent Outsourcing to remove a debt from my credit file. I have never entered i nto a contract with Convergent so therefore by law they are not legally allowed to report to my credit report or attempt to collect on a debt.   XXXX   Convergent has since contacted me twice and stated they have verified my debt. But still no signed contr act between the parties. What they did send was a copy of a bill from  XXXX  therefore not validating the debt.

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 2023-07-27
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
A few weeks back I was in a harsh car accident which caused me to have to reschedule my mortgage payment. I scheduled a payment for XX/XX/2023. A few days before the XXXX, I called SLS and canceled that payment. On that same call, Specialized Loan Services set me up a new arrangement for XX/XX/XXXX. A few days later SLS called me and said they canceled my XXXX payment, and told me I could no longer use my checking account. Stating because my payment for XX/XX/XXXX did not go through. I asked why were they trying to process the canceled payment knowing it wasnt going to go through?? The company already had reset a new one on the same call. The agent then verbally bullied me, attempted her fear tactics, and then took away my checking rights.This company has consistently made attempts to create difficulties on my account. All in order to activate foreclosure. I had already reported specialized loan services to FHA almost XXXX months prior to this incident, for unfair and unethical practices on my account. My lender SLS, has yet to respond to my complaint. Even though FHA has required them to contact me. Ive made several complaints about Specialized Loan Services and how extremely dishonest they are. In return SLS simply fabricates a response. There are hundreds of complaints against them, but somehow they are still allowed to practice. When I have a complaint towards them, I am threatened with foreclosure. My principal has been inaccurate for many years, I have consistently & constantly made them aware of the inaccuracies. I am then told to pay on the inaccurate amount, or I will be foreclosed on. No attempts will be made to correct my principal. My mortgage statements are entirely wrong. I dont know what to do because this company only shows aggressive signs towards foreclosure. Please assist.

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 2023-08-23
Company: SYNCHRONY FINANCIAL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentialitv under 15 USC 1681. 
Reached out to XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX Synchrony Bank, Account name : XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctlv 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 writen astrucions 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 agenc if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also tried getting in contact numerous times, they aren't even in compliance with XXXX XXXX credit reporting either. I have evidence to prove my case.

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 2022-03-10
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: Account information incorrect

Complaint:
I have found numerous errors reporting on my credit profile, at least 4 which I have listed below. I am receiving letters back stating the accounts have been verified as accurate and still have these same errors reporting. 

XXXX XXXX : Account number : XXXX This account was charged off as of XX/XX/2017. Since then, this account has repeatedly been updated as charged off every month. This is an update in payment history which to my understand charged off accounts should NOT an active payment history. Need I remind you ; this also violates the statute of limitations. 

The High Balance on this account is also inaccurate across all three bureaus, ranging from {$16000.00} to {$18000.00}. 

The Term length is also listed inaccurately amongst all three bureaus, ranging from a 1 month to a 72 month time frames. 

The Date of Last Activity is also reporting inaccurately amongst the three bureaus, ranging from XX/XX/2017 to XX/XX/2017.

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 2023-09-24
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit reporting 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:
Someone applied for an XXXX XXXX they had to go through JPMorgan Chase Bank. I don't recognize the regular hard inquiry. It's not mine 's I don't apply for credit online. This situation gave me heartaches and it put stressed on me moving forward. Please have the bank & XXXX to remove and fix my online account for XXXX. It's broke. The system is broke on my end. I can't view or unfreeze my credit report through XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXXXXXX Balance : {$380.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-05-31
Company: Americas Car-Mart, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Americas Car-Mart at the XXXX  locations are selling cars without titles, not filing registration title paperwork and forging signatures to complete the work. They had a compliance team scrambling to complete title work. They were forging signatures to complete everything they couldnt get completed. This is known to be done at the XXXX lot as well. They are also signing customers up for tax payments without customers knowing to keep payments low and refinancing the loan when it comes due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I received a prepaid AMEX egift card from my company. The card had no instructions for activation. I used it, it got declined in multiple places. You call them, they put you in a queue. A guy in an XXXX call center talks to you. It is a hassle and takes a while. He'll activate your card and it should be good to go in 24 hours. After 24 hours you try to use it and it gets declined again. They will always have an excuse they are protecting you when declining the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: CITIBANK, N.A.
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:
I have a XXXX XXXX credit card for XXXX XXXX purchases. I usually order online and pick up at the store. On one occassion I made a purchase in the store where they know me and was told, " You're still using this card? We now have a credit card you can use for out of store purchases. '' So I applied in the store and they said I would receive the card in the mail. 

I realized later that I keep a freeze on my account and that they would not be able to access my credit so I lifted the freeze and called XXXX XXXX XXXX credit company who told me that they would have to cancel the card I had before I could even apply for the new card that was a visa card. That concerned me and I asked, " what if I don't get the new card? Then I won't have credit with XXXX XXXX and I need it for pet supplies. '' The guy said that I would probably get the new card. I told him never mind. What I realize now is that he had already done an inquiry on my credit without my authorization and now I don't have the new card but there is a inquiry from XXXX XXXX on with the credit bureaus that I did not authorize. I would like their inquiry removed. 

I am attaching a copy of their inquiry on my credit report and a letter they sent me stating they could not give me the new card because I can't have two cards with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I received a letter from XXXX XXXX  about my XXXX credit card account. The letter stated that my credit limit with XXXX was decreased from {$900.00} to {$260.00}. Which my balance is about {$220.00}. I have been having this account for about 5 years. Never had a problem with XXXX or the financial institution before. When I called XXXX to find out what the problem was, they told me that I had to call Transunion ( reporting agency ) to dispute the information in the letter. I informed them that I pay XXXX XXXX   and not Transunion for my XXXX account. XXXX had run my credit and I did not give them permission to run my credit again. Initially my credit was run and this is how I got the account. I did not give XXXX permission to run my credit report, when I have an open account with them. I did call XXXX, and they could not give me any answers, but that's ok because I know they were wrong in doing so. I am going to pay this account in full as of XXXX XXXX. I want this complaint to be filed against XXXX XXXX  and if possible against Transunion. The information that Transunion reported is incorrect, and I want it removed. I called Transunion and their operator was not in the United States, and they could not even communicate with me about my problem.

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
XXXX XXXX has reported me as late 3 times on my Auto Lease account. Once in XX/XX/XXXX, again in XX/XX/XXXX, and in XX/XX/XXXX. I have never been 30 days late on this account as reported on my credit bureau reports. I have asked XXXX XXXX for proof of these late payments and have never received bank statements or any other documentation showing that I was late on these payments. I have not received anything.

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 2022-05-16
Company: Experian Information Solutions Inc.
State: MO
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$12000.00} DPT EDXXXX XXXX Balance : {$10000.00} DPT EDXXXX XXXXXXXX Balance : {$470.00} DPT EDXXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$1800.00} XXXXXXXX XXXX XXXXXXXX Balance : {$880.00}

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 sent letters to the credit bureaus asking them to verify debt on my report and according to their investigation account XXXX came back as verified. By law 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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.

If you take a look at my most recent credit report, you can identify the inaccuracies on the report which is a violation of the FCRA and subject to further legal action. In the comment section it's noted the account has been disputed but reporting incorrect 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 non-monetary relief
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I see items on my report that is not mine. Items are listed below. 

XXXX XXXX XXXX XXXXXXXX collections XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX. XXXX XXXX  - XXXX XXXX & XXXX - XXXX XXXX XXXX XXXXXXXX - XXXX XXXX - XXXX ( Inquiry ) XXXXXXXX XXXX XXXX XXXX ( Inquiry XXXX XXXX XXXX XXXXXXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX - XXXX ( Inquiry ) XXXXXXXX XXXX - XXXX ( Inquiry XXXX XXXX - XXXX ( Inquiry ) XXXX XXXX XXXX XXXXXXXX ( Inquiry XXXX XXXX XXXX XXXX XXXX ( Inquiry ) XXXXXXXX XXXX XXXX XXXX - XXXX ( Inquiry ) XXXXXXXX XXXX - XXXX ( Inquiry ) XXXX - XXXX ( Inquiry )

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