BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: EdFinancial Services
State: VA
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 is effectively denying auto-pay setup on my student loan account so I can't take advantage of the 0.25 % interest rate reduction being offered for federal loans. 

On XX/XX/XXXX, I submitted a request to have auto-pay set up in advance of my first due date on XX/XX/XXXX. As I was nearing the XX/XX/XXXX date, I never received confirmation that auto-pay was set up nor was it reflecting on my account so I called support. They said auto-pay was setup, but it wouldn't take effect until the next pay cycle on XX/XX/XXXX so I needed to make a manual payment for XX/XX/XXXX. So I did. 

After XX/XX/XXXX due date, I still did not receive confirmation nor saw that auto-pay was reflecting on my account. So I made several calls to support. The response varied from either " auto-pay isn't setup so they'd look into it '' or " it is setup, I just needed to wait ''. 

Nearing the XX/XX/XXXX, the situation hadn't changed, so I called support. They again said auto-pay was setup, but it wouldn't take effect until the next pay cycle on XX/XX/XXXX, so I would need to make a manual payment for XX/XX/XXXX, then wait. This was the exact response I got last time so I escalated to an " auto-pay specialist ''.

The specialist said auto-pay was not set-up, I needed to submit another request and wait about another three weeks for it to take effect. So essentially I submitted a request on XXXX, I've been given the runaround on whether auto-pay has been setup or not, and now I'm back at square one. And ALL this time, I've effectively been denied a financial benefit for federal student loans I'm entitled too with no end in sight. And based on social media sites like XXXX ( r/StudentLoans ), this is the same situation a LOT of others are experiencing.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-07
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft, and I absolutely have no knowledge of [ this/these ] inquirie ( XXXX ). I request that you remove the fraudulent inquirie ( XXXX ) immediately! Please send me an updated and accurate statement, and REMOVE ALL REMAINING INQUIRIES. Please and thank you I was incarcerated since XXXX ( year XXXX ) up until XX/XX/XXXX Ive never applied for credit.

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 2023-08-07
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Found out about this fraudulent charg, {$550.00}, from Experian credit reporting agency and have made 2 calls to XXXX XXXX XXXX. Left my name and phone number, along with the XXXX account number. Have not received a call back concerning this claim and have disputed the {$550.00} claim at Experian.

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 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX XXXXACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( 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.

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 2021-08-14
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Today ( XX/XX/2021 ) I've tried contacting Equifax, the first person hung up on me on accident. The second tried to be helpful but their joke of a system wouldn't verify my identity. They sent a link to take photos of myself and ID, no big deal. Other than even with crystal clear photos it still denied the photos of my id until it denied me anymore. They haven't updated any of my credit report in 3 months and when I've done so much to get it up to be able to expand my company this is unacceptable. To not be able to get the help you need or even just keep denying the photos without any error or explanation is just sloppy. I'm not just disappointed, I'm angry, this is holding my income back exponentially and there is no excuse for any of this. Their agents aren't even able to give callbacks to the people their supposed to be helping. I really hope that something is done about this system since it is so important for people 's lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
The credit bureau is reporting inaccurate information to my report. I have contacted them numerous times to update incorrect information and was unsuccessful.

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 2023-11-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I pulled my credit report from Experian and an unauthorized account from XXXX XXXX  XXXX reporting in the amount of XXXX. I have contacted the company via certified mail for verification and validation bearing my signature of this account that was signed and delivered on XX/XX/2023. EXPERIAN has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XX/XX/2023 and no response. Due to the lack of communication, I then contacting EXPERIAN regarding this account and they have yet to provide any validation and verification bearing my signature regarding this unauthorized account. XXXX XXXX, XXXX, Experian did not honor my request of validation ; yet the credit file under my social security number has been marked as verified. This entry must be DELETED from my 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 2023-12-26
Company: SERVICEMAC, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
My loan was sold or taken over by " Service Mac powered by XXXX XXXX '' in XXXXXXXX XXXX XXXX. Since last week I have been unable to pay my mortgage as their systems are down, apparently due to a cyberattack. They are unable to take my mortgage payment, only by phone, which would have to include a processing fee. This appears to be an effort for this company to gain extra money in fees by not having a functioning website. I attempted to call or reach them on XX/XX/, and received no help other than to wait for the website to come back online or to pay over the phone. It appears they just want to collect processing fees or hope that loans become delinquent so they can charge late fees or additional interest.

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 2023-12-26
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was encouraged to sign up for a 0 % credit card from a jewelry store. They promoted 0 % interest and I could choose the payback period. They didn't say one thing about deferred interest fees or that the minimum payment was not adequate to cover the promotional purchase. I thought my monthly payments were being allocated accordingly and that I would not incur any interest fees whatsoever. I put the payments on auto-pay and enrolled in the e-statements. Each month I would receive an email alerting me to the statement and that the payment would be going through. The email does not mention any expiring promotional purchases periods, or deferred interest fees so I had NO IDEA that was a possibility. Further when I called to inquire about the situation after noticing that my balance jumped up almost {$1000.00} - they told me that I would have to call in every month in order to specify the allocation of my payment towards each promotional purchase so that they are paid off in time. I made several purchases, so there would be different amounts with different deadlines, but there is no transparency about that on the statement or in the portal. They do not indicate how much is needed to pay to avoid the deferred interest. They do not specify how much the deferred interest will be. There terms are confusing and buried, to be honest I don't even know where to find them. Let alone the statements do not have transparency around what the promotional periods are and what the fees are if they are not paid off. This is so predatory. The sales staff was not equipped to sell this credit card, having never mentioned any of this at the point of purchase. I did not need to use a credit card and only used it because I was incentivized by the 0 % interest! Now I am paying almost {$1000.00} in fees which they tacked on to the balance due so the fees are gaining interest now as wel!!! This is disgusting.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-05-13
Company: HW Holding, Inc
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My move out date from my old apartment was XX/XX/2022, I got a notification on my credit dated XX/XX/2022 about a collection on my account that I was not notified about. Not only that, they are trying to collect the wrong amount. They are trying to collect double. The amount shouldve been {$510.00}, theyre are trying to charge {$1100.00}. I have tried to communicate this with the apartment complex who told me it was out of their hands. I also tried to communicate this with the original debt collector, who Im having a hard time reaching and am also getting the run around. I have personally done research about this collections company, and have learned that a lot of people are a victim to these unfair practices. Please help us. I have proof to back all of this up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Experian Information Solutions 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:
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 explanation
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act ( FCRA ), you are required to promptly delete all information that is inaccurate, incomplete, or unverified. I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately.

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 2021-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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 name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE XXXX Balance Owed : {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2023-11-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I was reviewing my credit report when i noticed that my XXXX XXXX XXXX account showed a balance {$770.00} on equifax, and it shows a balance of {$830.00} on XXXX. this is a clear violation of inaccurate reporting. this is as of XX/XX/2022 i also noticed my XXXX XXXX XXXX XXXX account shows on equifax that the balance is {$640.00} as of XX/XX/2022 but on XXXX  it shows a balance of {$710.00} this is a violation the FCRA which states credit reporting must be 100 % accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: Navient Solutions, LLC.
State: MI
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 two private loans in good standing with Navient ( XXXX Signature Student and XXXX Signature Student ). Navient has reported both of my loan accounts as being 60 days past due as of XX/XX/XXXX to each of the three credit reporting agencies, XXXX, XXXX, and XXXX. My credit reports clearly indicate that, according to Navient, my loan accounts were 60 consecutive days past due as of XX/XX/XXXX. I have NEVER allowed my accounts to go 60 days past due in XXXX even though that is what Navient is reporting to the credit bureaus. Because of Navient 's harmful, unfounded and unorthodox credit reporting practices, each of my three credit reports indicates that I was past due for 60 consecutive days on each of my loan accounts as of XX/XX/XXXX. My loan accounts have NEVER been 60 days late in XXXX yet that is what Navient is reporting to XXXX, XXXX, and XXXX. I wrote an email to Navient 's CEO, XXXX XXXX, on XX/XX/XXXX explaining the problem and alerting him to the erroneous and harmful information that was being reported by Navient to my credit reports. He did not respond to my email. However, a Customer Advocate was assigned to assist me in investigating the errors on my credit report. The Customer Advocate assigned to assist me goes by the name XXXX ( a.k.a. XXXX ) and her ID # is XXXX. I gave XXXX all of the necessary information to investigate the issue and she confirmed that I was NEVER 60 days late in XXXX but rather I had a late payment in XX/XX/XXXX which allows Navient to report a 60-day late in XXXX for the month of XX/XX/XXXX. She justified and validated Navient reporting my accounts as 60 days past due even while admitting I was never 60 consecutive days past due in XXXX. I find these credit reporting practices to be extremely harmful, tyrannical and devasting to American consumers. In the face of the lawsuit filed by the Consumer Financial Protection Bureau in XX/XX/XXXX, Navient continues its harmful practices of unfair and unfounded credit reporting and misallocated payments. My loan accounts were NEVER 60 consecutive days late in XXXX and I demand that my credit reports reflect that. Unless my credit reports are corrected immediately, I will be filing a formal complaint with Attorney General XXXX XXXX and the Delaware Department of Justice as well as the Illinois and Washington attorneys general who are already in litigation with Navient. Not only that, I am fully prepared to organize a class action lawsuit against Navient to protect American consumers from becoming victims of Navient and it's flippant, harmful and negligent business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: PRIMARY RESIDENTIAL MORTGAGE
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Both myself and my insurance company have sent the billing and proof of insurance to the loan servicer. They have confirmed receiving it. They have not paid it for 3 months. I have made several calls to them and no one has any answers on why it has not been paid ; yet they still do not pay it.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation