BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: EdFinancial Services
State: IL
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:
Earlier this spring, I got a notification email that my student loan payment was past due. This was confusing, because the Covid forbearance has been in effect for several years and no payments are due. I called a few months ago and was told that this was some sort of issue with add service financials, transferring of their own website or payment platform and it would resolve itself. 

For the next few months, I continued to get emails that a payment was due. XXXX month, I simply made the payment. Then I realized that it continued to tell me that I had a past due payment each month that I didnt pay. 

I called today and was informed that when the company did this transfer on their website, the forbearance marker on my account fell off and I was designated as in repayment. I asked if this was a mistake. I was told that no, it wasnt a mistake, its just something that happened. He changed the designation on my account. I said that it sounded like a mistake or a deceptive practice. They told me it wasnt a deceptive practice and it was a known issue. I asked, if it was a known issue then why wasnt I informed? The customer service agent refused to answer that question. I told him I would make a complaint to the DoE and he rushed off the phones and told me to stay on the line for a one question survey. I waited for another XXXX minutes, and was never sent to the survey to register my dissatisfaction with my engagement. 

I am a pretty informed student loan borrower who has the resources to pay and to spend XXXX minutes on the phone with Ed Services financial. I am submitting this complaint so the CFPB is aware that they are engaging in these deceptive practices on behalf of people who dont have the awareness or time to deal with this loan service provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Jefferson capital garnished my wages and state income taxes, they received more than the garnishment was for, so the extra {$79.00} was applied to a zombie debt from 2013, now they are refusing to close the accounts I paid off via garnishment because they reopened that old account from 2013, this is wrong and it's past the statue of limitations on that debt. The garnishment was for the debt for {$470.00} and {$790.00}, those were paid, those are what I have disputed several times to have removed from my report, I have signed judgement paperwork stating I paid that in full, It wouldn't let me submit it with the dispute or I would have. Now Jefferson capital is sending me settlement letters for the 2013 debt since they reopened that account!! Ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: SC
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 fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights 15 U.S.C 1681 section 602 A States I have 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 followinc items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears.

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 explanation
Consumer complaint received 2017-11-04
Company: Mercedes Benz Financial Services
State: MS
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:
On XXXX XXXX, 2017, I had been approved by XXXX XXXX to buy a vehicle. I took the information to XXXX XXXX of XXXX to buy a car. Instead of them using the information that I brought to purchase the vehicle, they ran my credit to other finance companies to get my car loan even thou they said, these inquiries would not effect my credit but, it did effect my credit. I attempted to refinance or get a heloc from XXXX and those hard inquiries have heavily decreased my credit score and hindering me from getting the best interest rates that I got on my original home loan of 3.5 %. I want these inquiries removed from my credit file. I have been 100 % good at paying my bills and attempting to improve my credit score in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
A XXXX account was reported on my credit report on XX/XX/2021. I never opened an account with XXXX. When i contacted XXXX  in regards to the open account, they were unable to verify an account with my name located. I then contacted Transunion, and was told that theyd send a email to XXXX  for verification. After weeks have gone by, XXXX  is still unable to find that account that is reported to my transunion account and transunion has still failed to delete the inquiry, causing a major effect to my 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 explanation
Consumer complaint received 2022-04-03
Company: FIRST ADVANTAGE CORPORATION
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
First advantage and XXXX shared and or reported negative information more than ten years old to prospective employers which in turn lengthened to job application process. In speaking with both companies that communication was uneventful and returned no positive results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have to accounts opened within 30 days of each other XXXX. XXXX XXXX ( XXXX with Midland Credit Management ) # XXXX XXXX. XXXX XXXX  ( Currently with Midland Credit Management ) # XXXX I have disputed the collections since I have ( to my knowledge ever opened these accounts ) i am in the process of buying a home and i am taking the actions needed to document these accounts that i do not agree with

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: LFG Data Services Holdings, LP
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:
XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 2023-08-23
Company: SECURITY FINANCE CORP
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
in XX/XX/2022 I sent professional financial services a affidavit letter of recession for failed to disclosed they then stop my repairs that was going on with my car and sent letter stating the had repossessed it which was false I still had it once they figure that out they took me to court and the ruling was in they favor I also sent in coupon to pay for the car which they didn't send back or apply to the note .I also sent in affidavit to them about the securitization of the note and they then sent me a letter saying the car had been sole I sent them a package of every letter I have from them and that I sent to them stating all the fraudulent things they was doing they stop responding to me I also file a ucc1 because they took my trust property private property and then sold it according to them in the public without just paying me anything I have been sick and loss my baby so I'm just now carrying on with my processing with a lawsuit against them they never responded back so I guess they agree to all the fraud and conspiracy against them I also sent a fee schedule in to them from my trust telling them how much if they didn't responded its also way to many letter to upload but I have all the copies and so do they

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-03
Company: Bay Area Receivables, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Had a balance with a XXXX XXXX XXXX 's office, for an oral examination of my right front tooth, on XX/XX/2021. I received a letter sometime in XXXX asking for {$92.00} for my visit. Emailed and called his office many times, trying to pay my balance. On XX/XX/XXXX I finally got in contact with someone from his office and paid my balance of {$92.00}, with my credit card. Someone from a Bay Area Receivables contacted me later that week asking for payment for XXXX XXXX 's office. I told that person I had already paid my bill and I was told money was still owed to the collection agency. Informed them to take the matter up with XXXX XXXX 's because they hired them and accepted my payment. I knew nothing of the collection agency 's agenda till after I had settled my balance and did not appreciate the phone calls to my personal phone. This matter is between XXXX XXXX 's XXXX and Bay Area Receivables. I did not agree to pay for, nor did I receive any services. My account is paid in full to XXXX XXXX. I have a credit card statement to prove it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-02
Company: National Credit Systems,Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i was looking at my credit report and national credit system is on my credit report. in tennessee the statue of limitations for debt is 7 years and it has to be removed from my report. this debt started from the information online XX/XX/XXXX. 

this means the debt from the national credit system according to tennessee debt collection law should come off the credit report in 7 years. 

this means the debt comes off XX/XX/XXXX. 

according to the credit report that i attached the last day of activity on my account now was XX/XX/XXXX. 

there was no increase in balance, no new payment, and they changed or re-aged this date so the account on my credit report would stay on there for another 7 years which would be XXXX. 

this is re-aging which is illegal and owes me money for this illegal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The last few months o have been being charged the monthly {$10.00} service fee when I do plenty of transactions during each month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-04
Company: COMMUNITY CHOICE FINANCIAL, 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 am disputing this as a fraud. I never opened this account and when I received information about it being opened I contacted the company. This action happened in XXXX of 2016. They informed me that I would not be held liable for the account but I have been. This action has impacted my credit report because they have turned it over to a collection agency who has reported it as a 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 2018-07-25
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX has agreed to delete this tradeline from my credit report. They provided AUD # XXXX as proof of the deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I'm enrolled in the PSLF loan forgiveness program. I've met the 120 payments which make my loans eligible for forgiveness and discharge ; however, when I call to check the status of the loan discharge date, the representatives do not have much information and, quite frankly, read from a prompter and don't address the original call. Also noted is that I've received multiple duplicate letters, one on XX/XX/23 and one on XX/XX/23, stating that I've met my 120 payments for two loans.

The duplicate reviews without a set discharge date is concerning because it pushes my waiting period out each time a review is completed without the actual discharge being done. I'm finalizing a refinance on my home, and the lender is requesting the expedited discharge of the two qualified loans to get approved for the refinance loan. If this PLSF loan discharge does not happen in the next two weeks. We lose our home. 

XXXX XXXX XXXX XXXX : XXXX Birthdate : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: U.S. BANCORP
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:
I have a inquiry from a place called XXXX XXXX which I have no knowledge of. It was placed in XX/XX/2021 without my knowledge

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 2020-09-19
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX I received a payment through my PayPal business account in the amount of {$2500.00} Not only have I still not received my money due to a " hold '' on my account, my money PayPal won't release to me, PayPal has also charged me a fee of {$160.00}. Im sorry but PayPal I'm over being used and robbed from use I pray the credit bureau can put a stop to this! 
Thank You for your time, XXXX XXXX PayPal account info user name : XXXX invoice XXXX payment of {$2500.00} from XXXX XXXX XXXX email : XXXX card ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
XXXX XXXX is reporting my debt as valid when they did not prove how they came up with that final decision when I had identity theft that accured. They also reponded after 30 days and continue to report the account as mine and report late payment which cause my score to go down while trying to purchase a home

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 2023-05-18
Company: PayActiv, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
Back almost a half year ago I submitted a complaint about missing money equalling XXXX $ and received a response from " payactiv '' ( which I initially complained to the cfpb about ). I'm the response I got a reply from XXXX on which she stated she found the problem. I got in contact with her however she never responded back after that. XXXX is the number she referred me to..I have since been trying to track this lady down with no response and the email is no longer existent. Please can you get ahold of me as soon as you can

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: KeyBridge Medical Revenue Management
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
COMPLAINT Now comes, XXXX in consumer capacity filing a complaint against debt collection agency Keybridge, an XXXX agency licensed to collect debts in the state of OHIO ; In XX/XX/XXXX, I checked my credit report and discovered Keybridge 's tradename on my credit file as a closed account and disputed the account with all three credit bureaus ; On XX/XX/XXXX I received my credit report update from initial dispute, and XXXX was deleted from XXXX file but updated by XXXX and XXXX as a verified account ; Keybridge placed their tradename on my file in XX/XX/XXXX ; and date last reported XX/XX/XXXX ; For the record, there is no evidence of a contractual liability ; expressed or implied tacit agreement with Keybridge and XXXX ; I have never received any validation letter from Keybridge prior to their tradename on my credit file in XX/XX/XXXX ; and allegedly verifying the debt as valid to XXXX and XXXX ; This conduct is a direct violation of XXXX Validation of debts ; ORC XXXX, and XXXX Case No. XXXX ( XXXX. Ohio XX/XX/XXXX ) This conduct is a direct violation of XXXX false and misleading representation ; XXXX ; XXXX, XXXX, ( XXXX ). 

This conduct is defaming my character without proof of claim of a valid honest contractual agreement in writing In accordance with XXXX XXXX Ohio Statutes of Frauds ; XXXX, XXXX ; This Conduct violates XXXX disclosures to consumers FCRA by not properly validating the debt to me after initial dispute in XX/XX/XXXX ; and falsely misleading credit bureaus with inaccurate information ; I am being denied credit do to the fact of Keybridge 's actions, and If their tradename is not deleted off my credit file ; I will filing civilly seeking punitive damages in accordance with United States Court of Appeals, XXXX Circuit, Case No. XXXX, XXXX, XX/XX/XXXX ;

Company response to consumer: Closed with explanation