BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
Company: EdFinancial Services
State: NY
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:
Ed Finacial Services continues to reject and return student loan payments. The company only accepts my loan payments once they are " past due. '' Prior to the federal loan repayment period going into effect, I submitted a payment of {$1200.00} on XX/XX/2023 which was reversed by the company. I assumed this was due to the loan repayment period not going into effect so I ignored it. 

In XXXX, I made two attempts to pay back my student loans for the month of XXXX, and both attempts were rejected. 

I made an additional attempt to pay my loan on XX/XX/2023, which was also rejected. 

The company only accepted my payment once my loan was marked " past due '' in XXXX. 

As shown in the attachment below, I am facing similar challenges in the month of XXXX. I should also note that while the company retroactively indicates the loans were reversed on the same day, I continued to monitor the payment status and each time the company indicated my payment was " processing '' for several days after my payment attempt, leading me to believe the payment was en route. Additionally, following each attempt to pay my loans, the company sent me a " payment confirmation notice '' via email. 

I have called the company and sent written correspondence asking for further clarification as to why my loans are being reversed, and I have been unable to reach a customer support representative or receive a response to my inquiry. Here, I should note I am responsible for paying student loans on other payment platforms and I have had no issues. My bank balance is always well above the balance required and I have confirmed with my bank they are not blocking the payments.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-11-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 to the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. After reviewing my report on XX/XX/2023, I have found multiple inaccuracies and violations. The Credit bureaus stated my account for XXXX XXXX Acct # XXXX was properly investigated but how it that possible if there are multiple inaccuracies on my report? I have listed them : 1. Last verified- inaccurate 2. Date of Last Activity- inaccurate 3.Date opened- inaccurate 4. Account Balance inaccurate 5. creditor remarks Two-year payment history shows Transunion, XXXX XXXX and XXXX shows no history. How is this possible if the account is charged off? This is grounds for removal! My rights have also been violated under 15 U.S.C. 1681 Section 602 A which state that have the right to privacy. 15 U.S.C. 1681Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without written instruction. I never gave written instruction! This one account on my credit report has 9 violations.

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 2022-12-18
Company: Westlake Services, LLC
State: NV
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:
This account has been sued. Its been over 7 years, legally this account is supposed to be removed.

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Just checking in about the issue I had with my identity being stolen. I wanted to mention something called FCRA Section 605B, which is part of 15 U.S.C. 1681c-1. This section basically says that Credit Reporting Agencies have to get rid of and prevent the inclusion of any stuff that's in an identity theft report. I've sent over some documents to help out with blocking and removing those inquiries that popped up on my credit report. Below is a list of those unauthorized inquiries that showed up in my credit history : XXXX : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : XXXXXXXX XXXX XXXXXX/XX/XXXX TRANSUNION : XXXX XXXX XXXXXX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2023-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
ON XX/XX/XXXX, I RESPONDED TO AD IN MY EMAIL FROM CAPITAL ONE FOR A XXXX XXXX CREDIT CARD. THE OFFER HAD 3 COLUMNS WITH 3 PROMOS AND 3 APPLICATION TABS. I APPLIED FOR THE {$200.00} BONUS, {$500.00} SPEND WITH XXXX APR FOR 3 MONTHS. I RECEIVED ON XX/XX/XXXX LETTER- APPROVAL WITH {$3000.00} LINE AND XXXX CARD RATE. THERE WAS NO MENTION THAT THIS WAS NOT APPROVAL FOR THE CARD I APPLIED FOR. I RECEIVED A XXXX XXXX CARD ON XX/XX/XXXX AND ACTIVATED IT ON XX/XX/XXXX. WHEN I RECEIVED AND ACTIVATED THE CARD, I ASSUMED THAT I GOT THE PROMO APPLIED FOR. CAPITAL ONE SENT A CARD WITHOUT NOTICE THAT IT WAS NOT APPROVED FOR THE CARD PROMO APPLIED FOR. THEY JUST SWITCHED MY APPLICATION WITHOUT THE PROMO ( BAIT AND SWITCH ), A CARD WHICH I WOULD NEVER APPLY, WHICH HAD MONTHLY BALANCE DUE OR XXXX PERCENT XXXX. ON XX/XX/XXXX, I USED THE CARD SPENDING {$650.00} ( WHICH MET THE BONUS AND THE 15 MONTH XXXX INTEREST REQUIREMENT ). I RECEIVED MY MONTHLY STATEMENT ON XX/XX/XXXX AND FOUND THE BALANCE DUE AND INTEREST CHARGE CALCULATION SECTION DID NOT SHOW THE PROMO. I CALLED XXXX XXXX AND CUSTOMER SERVICE SAID NOTHING COULD BE DONE, THAT THE BANK RESERVED THE RIGHT TO SWITCH THE PROMO. CERTAINLY THE ACCEPTANCE SHOULD HAVE INDICATED FOR A DIFFERENT PROMO. ON XX/XX/XXXX, I HAD TO PAYOFF THE BALANCE WHEN DUE ( XXXX ) TO AVOID XXXX INTEREST RATE. I THINK THE BANK SHOULD RETURN MY PAYMENT LESS THE MINIMUM PAYMENTS THAT WOULD HAVE BEEN DUE IF THEY DID NOT BAIT AND SWITCH AND APPLY THE PROMO I APPLIED FOR. THIS REMINDS ME OF THE XXXX XXXX DEBACLE OF A FEW YEARS BACK - OPEN A CHECKING A/C AND THE REP ALSO OPENS A CREDIT CARD NOT APPLIED FOR. PAYMENT ADDRESS IS : CAPITAL ONE, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I APPRECIATE ANYTHING YOU CAN DO FOR ME AND ANYONE 'BAIT AND SWITCHED '.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/XXXX, a debt collector from " Midland '' named XXXX XXXX called my school ( I am a teacher ) and told my principal that I was going to be sued for non payment of a loan. He then told her that he was coming to the school to give me a summons. My principal asked him not to come to the school. She then took down his information and gave it to me. I called back immediately and talked to another debt collector for the company and explained that I DID NOT want anymore calls coming to the school. He told me that he had every right to call me at work and that he would continue to do so. The debt he was calling about was to XXXX dated XX/XX/XXXX. 

This has been extremely embarrassing and humiliating. I have never had this happen before and it caused me to look very unprofessional. Not only did it interrupt learning of my students, but I had to leave class to handle the situation. 

The number for the company is XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this complaint to follow up on my previous complaint dated XX/XX/XXXX. As stated before, per the Fair Credit Reporting Act Section 605B ( a ), Credit Bureaus are required to remove any items opened without my knowledge, consent, or authority within 4 business days, as listed in the ID THEFT Report with reference # XXXX. The accounts in question are detailed below, and I request their removal within the next 15 days : **EXPERIAN** XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-07-12
Company: EQUIFAX, INC.
State: NV
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:
Equifax is purposely disobeying the FCRA 605 ( B ) Laws. Equifax has received all the necessary documents on my behalf to validate my identity being stolen, in relation to a fraud account and fraud inquiries showing on my report. Equifax staff members verbally said they received the documents on XX/XX/2019 and thus far have not blocked the said creditor or inquiries ... today XX/XX/2019 staff member verbally said to me that they just initiated a new dispute for this account.. so what have i been waiting for these past 30days? nothing? ON TOP OF THAT, THIS ACCOUNT HAS BEEN LEFT ON MY EQUIFAX REPORT LONG ENOUGH FOR A NEW BALANCE TO REPORT, THE BALANCE GOES FROM XXXX BUCKS TO XXXX BUCKS, THE THIEF HAS MAXED OUT THE FRAUDULENT CREDIT CARD ACCOUNT AND NOW IT HAS RUINED MY OVERALL UTILIZATION, THIS IS HORRIBLE! And your not disputing the inquiries even tho they've been added into my recent police identity theft report? ... Makes no sense. They are willfully going beyond the legal statute of days having to block all the information resulting from alleged identity theft, not later than 4 business days of receipt. As stated under the FCRA 605B ( 15 U.S.C. 1681c-2 ) They are clearly breaking laws, I have been on phone calls stating the obvious that this is incorrect and i should not have to wait a total of 30days or more for you guys to block these accounts as a valid fraud investigational dispute works differently than the normal disputes. They have totally disregarded the laws morality and my own anguish, so I thus have been forced to keep fraudulent accounts & inquiries on my profile through their own discretion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please help. I am getting sick of this issue, and I have been living in severe anxiety since this issue started. I am going through medical care because of what is happening to me from Freedom Mortgage Company.

I was in a three-month trial period with the company after going through a forbearance period due to Covid. I fulfilled my part and paid the three months trial period on time. I was promised by Freedom Mortgage that I would receive final documents that follow the trial period, and I needed to sign them and notarize them. I asked for the documents for almost six months, calling them every ten days, and every time they promised they would send the documents and never get them. Finally, after I complained about them through the Consumer Financial Protection Bureau, I received the documents. 
I signed them, notarized them, and sent them back to Freedom Mortgage. I called them after, and they informed me that they had received the documents and that everything was fine. They have also told me they will set up the direct payment from my bank to receive the payment monthly. They haven't done that, and I called them for the past two months to ask about setting up the direct payment, and every time they come up with an excuse. One excuse they need to look at the notarized documents, and it will take them 45 days to do that. Another excuse is that they haven't received the documents and will send another. 
They have also reported my account as a delinquent to the Credit Bureau, and my scores went severely down because of this company. Please, I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting 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:
Equifax Will not update my address even after they have ask me to send certain documentation to prove my identity. I have done this numerous times over the last 2 years and they still havent done it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-19
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023 the Consumer sent a Notice via U.S. Certified Mail return receipt request to rescind the security interest agreement that was obtained with deceptive language and forms by the Corporation listed in this complaint. This is a reconfirmation notice to the Corporation of the notice to rescind the security interest agreement. The 20-day process as required pursuant to the CFPB began when the company received the notice last week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, 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 status incorrect

Complaint:
I ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the 3 bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Balance Owed : {$17000.00}, I believe it was reporting in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I called your department after I purchased a credit report with Experian on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative charge off on my credit report. These are disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these account listed below, so please help me remove this charge off account, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX  XXXX. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the Better Business Bureau . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.

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 2022-03-08
Company: Experian Information Solutions Inc.
State: FL
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:
have disputed items with Experian, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX reporting inaccurate information for an account i have never had with them. I

have sent letters for verification of the accounts over two years with all being returned to sender. I have disputed the items as fraud with Experian and It comes back as an updated item. I have asked Experian to send me the written verification they got with my information and hand written signatures saying that i opened the accounts and they refuse to. I have spoken with Experian and aske
d for written validation and they refused to give it to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: FL
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my 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 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 explanation
Consumer complaint received 2023-06-16
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2023 I came to XXXX XXXX XXXX to apply for a Business checking, savings and XXXX XXXX XXXX XXXX XXXX XXXX under the name of my business [ XXXX ]. I left XXXX XXXX XXXX with a folder containing information on my Business Checking and Savings Accounts along with promotional materials for the XXXX XXXX XXXX XXXX XXXX XXXX. 

XX/XX/2023 activated what I understood to be my XXXX XXXX XXXX XXXX XXXX XXXX and made 2 purchases ( XXXX from XXXX XXXX and XXXX from XXXX ). 

Called XXXX XXXX XXXX branch on XX/XX/2023 and called XXXX XXXX the same day to report the error ( within 30 days ). 

I was advised by XXXX XXXX  to reapply for the card with the assurance that my credit could be fixed due to Banker or Credit Card Company error after XXXX XXXX XXXX submits documentation on the error. I did so under that advice on XX/XX/2023 with [ XXXX ] at my local XXXX branch. 

On XX/XX/2023 XXXX XXXX contacted XXXX XXXX XXXX saying the credit report can not be corrected due to card activation and transactions being made which is in direct opposition to their previous advice.

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