BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I filed a disputer with experian about an account that XXXX XXXX XXXXXXXX closed XXXX  and wrote off in XXXX but they will not remove this from my credit report despite the debt being from XXXX, XXXX  years later it is still on my account now written off and listed as closed. They refuse to look into this after I filed a dispute last year and they failed to update their credit file.

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 2023-10-18
Company: EdFinancial Services
State: LA
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:
My loan balance was XXXX. I requested a covid refund to which I was sent back 2 checks for XXXX dollars each. My loan amount was then updated to XXXX but EdFinancial then updated my owed amount to XXXX  without any reason and explanation when changing my account. I requested a history on the loan balance but I am being told for the past 2 months that the request is being processed and will be sent to me once done. I keep following up on the item but keep getting nowhere.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to you with regards to my credit report. I have noticed certain negative items on my report that I believe are inaccurate and damaging my credit score. I request that you investigate these items and take appropriate actions to correct them, in accordance with the Fair Credit Reporting Act ( FCRA ). 

The details of these negative items are as follows XXXX XXXX XXXX XXXXXXXX - Case Number : XXXX I am not aware of this bankruptcy and believe that it does not belong to me. Under the FCRA, it is my right to request that you remove this item from my credit file, and I request that you do so immediately. 

The inquiry was not authorized - XXXX - Date of inquiry : XX/XX/XXXX The inquiry was not authorized - XXXX - XXXX of inquiry : XX/XX/XXXX The inquiry was not authorized - XXXX XXXX - Date of inquiry : XX/XX/XXXX These inquiries were not authorized by me, and under the FCRA, it is my right to request that you remove them from my credit report. Additionally, these inquiries have reached the statute of limitations, and as such, I request that you remove them from my credit report immediately. 

XXXX - Date of inquiry : XX/XX/XXXX This inquiry has also reached the statute of limitations, and under the FCRA, it is my right to request that you remove it from my credit report. 

XXXX - Account Number : XXXX I have never had any business relationship with this company, and therefore, there is no way this account belongs to me. According to the FCRA, it is my right to request that you delete this unknown account from my credit report immediately. 

XXXX XXXX XXXX - Account Number : XXXX I have no record of this account, and under the FCRA, it is my right to request that you remove this inaccurate information from my credit report without delay. 

I would like to remind you that under the FCRA, you are obligated to investigate my dispute within 30 days and provide me with a written report of your findings. Additionally, if you find that any of the disputed items are inaccurate or incomplete, you must correct or delete them from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-07-17
Company: EQUIFAX, 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:
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 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 2020-09-29
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX To whom it may concern : I would like to file a complaint against XXXX XXXX/XXXX, as well as, a collection agency by the name of Midland Credit Management , Inc . 

XXXX XXXX has deceptively charged off a credit card account, and sold a false fraudulent collection amount of {$360.00}, to the above named collection agency, in my name. 

The account ending in XXXX was paid in full several times, but XXXX XXXX kept adding false fraudulent late fees, and charges to the account, thereby refusing to allow me to pay off the balance I owed to close the account. 

As my attached statement shows, I owed XXXX XXXX {$62.00} as my total balance on the account in question as of XXXX of XXXX. 

I made payments to XXXX XXXX in the amounts of XXXX, XX/XX/XXXX, ( Confirmation # XXXX ), as well as XX/XX/XXXX I paid {$36.00} ( Confirmation # XXXX ), these two payments were more than enough to pay off what I owed to the account. 

What XXXX XXXX has done, is to continue to add a {$39.00} loan sharking fee, along with finance charges, to a false past due balance that they have created on the account, and have ran this balance up to the {$360.00}, that they have falsely put my name into collections for. 

I am attaching a copy of my credit report, and on the report you will see that they are not showing the true information as to how they have come up with the false fraudulent balance that they are trying to make me responsible for, the {$360.00}. 

For starters, when you look at my credit report you will see that in XX/XX/XXXX, they are falsely claiming that I owed {$91.00}, when in actuality as the statement that I have sent in with my complaint shows, I only owed them {$62.00}, and as stated Ive paid them all of what I owed to them. 

I would like the Consumer Financial Protection Bureau fully involved in my complaint, both XXXX XXXX, and Midland Credit Management can contact the Consumer Financial Protection Bureau, the Bureau can contact me. 

I want XXXX XXXX XXXX, and Midland Credit Management, to cease and desist from contacting me again, about their fraudulent debt. 

Midland Credit Management just took it upon themselves to slander my credit without verifying this debt first, they just went and took the word of XXXX XXXX XXXX  without contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
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:
When I reviewed again my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
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 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 2023-07-16
Company: EQUIFAX, INC.
State: NC
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:
First the date I opened the account varies depending on which bureau you view it from the amounts are all over the place. The fair credit act starts every thing must be 100 % accurate or removed from my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 

XXXXDEPT OF ED ACCOUNT NUMBER : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: EdFinancial Services
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2023 I submitted an Income-Driven Repayment Plan application on XXXX. XXXX shows that after reviewing my application, my monthly payment should be {$0.00}, due to having no income. It also shows that this information was sent to and reviewed by my loan processer ( XXXX  ) on XXXX XXXX, XXXX. My profile on XXXX  has never shown this updated information and instead says that I owe {$340.00} by XX/XX/2023. Over the past XXXXXXXX XXXX XXXX XXXX XXXX I have continuously attempted to contact XXXX. I have sent XXXX e-mails that never recieved a response, even though the website stated they would be responded to within 4 days. I have called multiple times and due to wait times of XXXX hours, I opted for a callback option. I recieved a callback twice and each time nobody was on the other end of the call. I finally recieved a successful callback and spoke with a representative who stated that my Income-Driven Repayment Plan wasn't fully transferred to XXXX and if it is not transferred by the due date, my payment would automatically go into forbearance and I would not be penalized for a late payment. Today is XX/XX/2023 and I see no evidence on my account of my payments entering forbearance and it appears that my payments are considered overdue and I will be penalized. I have never made a late payment and due to having absolutely no income, I can not pay {$340.00} per month. Now I have to deal with the negative effects on my credit score due to XXXX not processing a payment plan that was submitted almost 2 months ago.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 pulled my credit report and seen that i have some inquiries that I didn't authorize. None of these companies have my permission, signature or my consent to have pulled my credit. I do not have any accounts open from these inquiries and I would like to have them removed as soon as possible. Its illegal according to section 604 of the FCRA. 
Transunion 1. XX/XX/2019 XXXX XXXX XXXX 2.XX/XX/2019 XXXX XXXX   XXXX 3.XX/XX/2019 XXXX XXXX XXXX 4. XX/XX/2019 XXXX XXXX 5. XX/XX/2019 XXXX XXXX 6. XX/XX/2019 XXXX XXXX XXXX XXXX 7. XX/XX/2019 XXXX XXXX. 

XX/XX/XXXX 1. XX/XX/2019 XXXX XXXX XXXX XXXX 2.XX/XX/2019 XXXX XXXX XXXX XXXX 1.XX/XX/2019 XXXX XXXX 2. XX/XX/2019 XXXX XXXX XXXX  3. XX/XX/2019 XXXX XXXX 4. XX/XX/2019 XXXX XXXX 5. XX/XX/2019 XXXX 6.XX/XX/2019 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 2020-11-15
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Bankruptcy filing that was dismissed and should have been removed from my credit. Bankruptcy was file in 2014. 

Also loan modification on current mortgage but late payments that were required to even be considered for a modification are still showing on mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/XXXX  I payed the " Online '' payoff amount for my Direct Parent PLUS loan of {$16000.00}. 

Ed Financial received my online payment for the entire balance of the loan, but then charged me a {$310.00} " Rebate Reversal '' fee on XX/XX/. This is the fee I am questioning. 

Since the date of the " Rebate Reversal '' fee, I have talked to representatives of Ed Financial twice and asked them to justify the fee. The first time, on XX/XX/, they took my info and said someone would get back to me in ten days. The second time on XXXX, after again explaining that I was questioning the RR fee, I was put on hold for twenty minutes or more, then got disconnected. 

The " Rebate Reversal '' is still showing due on my balance, along with interest, at a current annual rate of 8.650 %. The Current Balance on my account as of today, XX/XX/2023, is {$310.00}.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
BankOfAmerica charged me both a late fee and interest fee. I had tried setting up auto pay in the past but could not find a way to do it. I have several other credit cards and they all offer the option to pay the full balance on the due date which allows me to avoid those fees. BankOfAmerica does has not offered me this option and I reached out to their customer service 3 times on Sunday XX/XX/2018 to get a one time refund but they are refusing that request. Right now, the only option I have is to set up an auto pay for a certain dollar amount, which is not helpful since the account balance varies significantly month after month.

I feel like this is a predetory banking practice by deliberatley making it difficult to set up auto pay to impose these unecessary fees.

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 2023-08-16
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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX. Please delete this account ASAP.

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 2021-04-02
Company: Social Finance, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, I closed on my refinance. The funding arrived later and in different amounts than outlined in our closing documents. I contacted the lender every business day for 5 days requesting documentation that outlined the corrections. My requests have been received by multiple recipients XXXX loan officer, member specialist, operations XXXX, and another employee ) and the documentation has not yet been provided to me. This documentation reflects the final settlement. In addition to tax purposes, I should have received this documentation in timely manner during the period between closing on XX/XX/XXXX, and funding, contractually XX/XX/XXXX, but did not actually occur until XX/XX/XXXX. 

While getting the settlement documentation is my complaint, it is worth mentioning that this is not the first issue I have had with the lender. The loan was delayed numerous times due to mistakes, omissions, and poor communication since we began the process in XXXX of XXXX. This includes not ordering payoffs in time, overlooking uploaded documents, repeatedly using the wrong numbers on disclosures even after I had pointed out the issues, and making that same mistake during our first closing that required a 're-do '. 

We originally closed on XX/XX/XXXX. We noted errors in the closing documents - changes had been made since we signed the final disclosures the previous week. After spending an over an hour trying to contact someone at the lender by phone, we finally reached someone who acknowledged the mistake, advised us to sign but not fund, and we'd receive a correction on XX/XX/XXXX. We did not receive a correction and when I contacted the lender to request it, we were told there were additional mistakes in the closing documents ( dates were wrong ) and we'd need to close again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: Winona Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX  XXXX Left a voice message that it was urgent they speak to me. I called them on XX/XX/XXXX and they told me I had a debt of {$18.00} for a returned check payable to XXXX XXXX from XX/XX/XXXX. They gave ma their website info and a loginid and password. It showed an image of the supposedly returned check. It required payment of the {$18.00} " debt '' + a processing fee of {$16.00}. I called XXXX XXXX and they said they had no record that I owed them this amount or any amount, and also that they use a different company for debt collection. So this is a sham.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My credit report is showing late payments to CXXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

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