BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: CAINE & WEINER COMPANY, INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XXXX of 2023 I have been sending Caine and Weiner letters to validate the debt they say I owe to them. They have not provided me anything that validates the debt per the fair debt collection act. Here are the things I have sent and requested below. 

1 ) An explanation of the alleged account balance.

2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, to confirm the amount is correct.

3 ) Documentation that shows my agreement to pay this debt with my signature and my authorization to report this to my credit report. I did not give my consent to you having my information, and any unauthorized use of my social security number is identity theft and will be reported.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that gives you rights to collect in my state.

6 ) The purchase agreement.

7 ) A sworn statement under penalty of perjury to confirm your presence during the alleged debt.

8 ) Demand for you to provide Chain of Custody for account to ensure the financing and hand-to-hand transfers are correct.

9 ) Master Bill of Sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-12-05
Company: EdFinancial Services
State: MA
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:
I am receiving an NIH loan repayment award and a payment was made in XX/XX/2023, with checked cashed by EdFinancial early in XX/XX/2023. At the time the payment was made, EdFinancial was transferring to a new server, and all my information was " lost ''. The payments have not posted and I have been calling EdFinancial for several months to get a proof of payment as well as an updated loan information and I have not received anything. I am continually being told ( after escalating to speak with Supervisor ) that my request is being expedited or in high priority but I am getting nowhere. I am not in danger of LOSING my award, and I can not get any further information about these payments from EdFinancial. The two payments are total for {$8000.00}

Company response to consumer: Untimely response
Consumer complaint received 2023-12-05
Company: EdFinancial Services
State: NJ
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:
My federal student loan servicer is EdFinancial, and for the past few payments I've submitted, specifically ones on XX/XX/23 and XX/XX/23, they've somehow " received '' less than what my payment confirmation and bank statements show. For example, I paid {$400.00} for my XX/XX/23 payment, yet they only received {$250.00}, and I paid {$4500.00} for my XX/XX/23 payment and they only received {$4400.00}. Furthermore, after calling about this, they were slow to set up and ticket and didn't have an explanation for why it is occurring. Additionally, I've called about this issue numerous times, and have yet to receive any sort of resolution about it.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-27
Company: Atlas Credit Company, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I HAVE SPOKEN TO THE REPRESENTATIVES AT ATLAS CREDIT IN REGUARDS TO THE CONTANT CALLS. I CAN NOT ANSWER MY PERSONAL PHONE AT WORK. NOW THEEY ARE BUGGIN MY REFERENCES. BY THE TIME I GET OUT OF WORK I CAN NOT GET ANYONE THERE ON THE PHONE I LEAVE TOO LATE. PHONE NUMBER IS TO ATLAS CREDIT IN XXXX XXXX XXXX XXXX IM RUNNING BEHIND ON MY PAYMENT AND I AM VERY WELL AWARE BUT MY NEXT PAYMENT I CAN NOT SUBMIT TIL THE 15TH. THIS IS BECOMING HARRASSMENT AT THIS POINT PLEASE HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX XXXX BANK FAILED TO CORRECT ALL 4 CREDIT BUREAUS TO REFLECT ACCOUNT CLOSED BY CONSUMER-CLOSED-PAYING AS AGREED NEVER LATE.

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 2023-12-05
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Complete Bad Faith Practices At Chase Offers On Webpage Removed Then Put Back Was Promised You Would Help In XX/XX/2024 With Balance Transfer or Pay As You Go, You Promised Me Offers Will Be Available But Then Not Really Now Nothing Will Ever Be Available Or It Could Be Available But Might Not Be Available BYE CHASE TOTAL BAD FAITH Offer Appears On Webpage The Disappear When Need For XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple Existing Offers Paid Early

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXopen date : XXXX XXXX XXXX XXXX XXXX Hard and soft inquires XXXX 

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.

15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKER ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION. ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS O

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
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: Information belongs to someone else

Complaint:
This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$710.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$520.00} ; 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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 did not authorize these five companies to pull inquiries on my credit history. 

I dont even use these companies. 

XXXXXXXX XXXX  XX/XX/XXXX Capital One XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX The only banks I bank with are XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: Experian Information Solutions 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:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-12-07
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting 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 Sent my letters off on XXXX XXXX XXXX and XX/XX/. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letters I sent out and here is the Tracking # XXXX and # XXXX. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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. They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have attached the credit report, showing the inaccuracies. Accounts : 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 2017-09-14
Company: EQUIFAX, INC.
State: IN
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: Problem getting your free annual credit report

Complaint:
All three of the agencies are not able to provide my credit report online as they are all saying they ca n't handle the volume due the amount of traffic that they are getting due to the Equifax breach. 

Most of them are timing out, saying the volume of requests are too high, or they ca n't handle the load. 

Further, all three agencies are not able to effectively place a freeze on the account -- either the system is timing out, or they are indicating that they are not able to place a freeze this time. 

This is the most key time when these functions should be able to work -- the fact they ca n't handle the work load is something they should have thought of and had a contingency plan in place for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Experian Information Solutions Inc.
State: NJ
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 understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Below are the inaccurate items from my credit report : 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 2019-07-23
Company: AG AH LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX and then again on XX/XX/XXXX my bill payment company sent two payments to my mortgage loan servicer. My bill payment company then turned off my bill payment services until one of the two payments was returned to them. On XX/XX/19 I called my mortgage servicer who confirmed receipt of two payments that month, however they said I could only request a refund of one of the payments by e-mailing in a request along with evidence of the double payment coming from my account with the copy of the check or with a bank statement that had to have my bank logo on it EVEN THOUGH they could see they had received two payments for the month.

The payment was made via ACH, so I could not produce a check AND my statement had not yet cut so I was not able to produce a statement. I did a screen print from my online banking to show the payment coming out of my account, but ANYONE in this industry knows I was not going to be able to get my bank logo on the screen print. It's a fraud deterrent to not allow the bank logo to be printed. I explained this to the mortgage servicer on the phone and I got " I'm sorry that's the procedure that is our procedure we have to follow ''. This is an unacceptable procedure that makes it unduly hard on the consumer to get a double payment refunded. 

I e-mailed the required e-mail address on XX/XX/XXXX and asked for one of the double payments to be remitted back to me asap. If this was not possible I asked to be called. I got a bounce back e-mail saying that I needed to allow for 2 business days for my inquiry to be addressed ( attached as Exhibit A ). 

I never received the phone call AND I was not responded to until a FULL 13 BUSINESS DAYS LATER - XX/XX/XXXX. I was told my double payment would not be returned as then the loan would be past due for the XX/XX/XXXX payment ( attached as Exhibit B ), and that my case was closed ... 

As a consumer, I HAVE BEEN HARMED in several ways. My bill payment services were shut off until I refunded my bill payment company one of the two mortgage payments. ALL my other payments due were NOT MADE causing all my other credit payments to be made late. I had to charge on my visa the amount of the mortgage payment so I could get my bill payment services turned back on, which means I had to pay interest on my credit card. 

I am beyond disappointed and horrified at this mortgage loan servicer and how they have treated me as a customer and consumer.

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 2023-12-07
Company: Experian Information Solutions Inc.
State: NY
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:
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 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 2023-12-07
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.

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 2018-09-07
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a complaint and dispute with Synchrony bank at the time of the fraud it was GE capital. I have won the dispute and i can not get the refund. I was told that everything charges and fees have been credited to my account back in XX/XX/XXXX. It is now XX/XX/XXXX and when i ask as to where my refund is I am now being told that they need copies of all the checks proving that i made the payments. This goes back to XX/XX/XXXX and i have been fighting this dispute for 6 years. The amount owed is close to {$2000.00} and i want it now. 
I have XXXX XXXX XXXX and XXXX XXXX. I can not chase around to find all of this. they also stated it would take 6 to 8 weeks to get a refund that was approved back in XXXX. 
Every time I call for the status i get transferred at least 5 ( FIVE ) times  and no one can see that i have a credit they just see that my dispute was accepted and i have won my claim.

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2019-07-23
Company: Experian Information Solutions Inc.
State: AZ
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:
On XXXX XXXX I received an alert that a collection account had been posted to my XXXX   account. I went onto my XXXX account to find that a debt collection company called XXXX XXXX aXXXX XXXX XXXX had posted an account for an auto loan I had co signed on a couple years ago. The orig. Lender had posted info as to balance, type and responsibility, But the debt collector gave false information. Listed type as EDUCATIONAL, Responsibility as INDIVIDUAL, Balance XXXX HIGHER than posted the day before from original. This debt collector, to date has not contacted me by any means, so I disputed this information and supplied documents to XXXX XXXX to prove BALANCE, TYPE and RESPONSIBILITY. To my surprise within a couple days XXXX had posted their findings without even receiving the documents I had mailed yet. The finding was " meets FCRA requirements '', case closed. Then along came Experian and disputed with the same outcome. I provided copies from original creditor as well as copies of credit reports showing what original creditor put on credit reports up to the week of the change from original creditor to XXXX XXXX XXXX XXXXto both CRA 's. This collection is totally believed by CRA 's and they can list anything they want to. Due to type of income I have I am worried that this collection agency used EDUCATIONAL as type of loan to try and freeze my bank account. The findings leave me to believe that this collection agency can pretty much lie and its okay.

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