BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-13
Company: EdFinancial Services
State: OH
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:
Called XX/XX/XXXX to Ed financial because my payment amount was showing {$730.00} after coming out of forebearance. They resubmitted for a graduated extended repayment plan and said my payment would be {$360.00} a month to start. It would take 10 to 14 bus days to process this request. Called again on XX/XX/XXXX as payment amount still not updated and they said actually takes 16 to 21 bus days to process and should be done soon Called again on XXXX  and said they were submitting to higher dept for review because they don't know why it hasn't updated. Was told to not pay while working out but I'm concerned with it being past due. That doesn't look good on history. Still no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$170.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$430.00} ; US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4700.00} ; US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) XXXX Balance : {$9800.00} ; 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 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
on XX/XX/XXXX  XXXX XXXX sent correspondence to the XXXX XXXX XXXX XXXX in regards to any contract as it pertains to any debt claimed. 

RE : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON XXXX XXXX XXXX XXXX  CONTRACT, FOR DETERMINATION OF 'MEETING OF THE MINDS, ' 'FRAUD ON THE CONTRACT, ' AND OR AN 'UNCONSCIONABLE CONTRACT ' AND/OR AGREEMENT FOR COMMERCIAL DISCHARGE, Account/Case No. XXXX, AND XXXX This correspondence was sent via U.S.P.S priority mail, and received on XX/XX/XXXX  at XXXX XXXX XXXX XXXX, FL XXXX with provided Phone Number ( XXXX ) XXXX - XXXX XXXX XXXX as the executive director, nor any authorized representative for XXXX XXXX XXXX XXXX XXXX  has responded to the claim in the time provided in accordance to law. This has been disputed with all three credit bureaus, XXXX, TransUnion, and XXXX to no avail.

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 2021-04-01
Company: Bread Financial Holdings, 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:
Hi there, the early part of the month of XX/XX/2020 I contacted comenity bank/big lots, advising them ive been out of work due to covid, the representative explain there was a hardship program that I can pay XXXX XXXX month with no interest. Which I happily agreed. I proceeded to make payment., she set up my payment and advise payment wont be due until XX/XX/2020. I advise her my credit score was over 700 and needed to salvage my credit during this hard times and rep rest assure that i can take advantage of payments and It wont reflect negative on my credit report. Fast forward to XXXX 2020 i notice on my XXXX  XXXX  that there was a late for XXXX, i contacted comentiy again talk to a manager and said they will correct issue and delete late from my credit report. I just recently pulled a credit report yesterday and notice it was not remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: EQUIFAX, 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  Balance : {$2100.00} XXXX XXXX XXXX  XXXX XXXX : {$150.00} XXXX XXXX XXXX  Balance : {$160.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX  XXXX Balance : {$150.00}

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 2021-04-01
Company: Fay Servicing, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage XX/XX/XXXX and applied for hardship relief with Fay Servicing on XX/XX/XXXX. I was denied assistance by Fay due to " not having sufficient income '' or because " the target payment could not be reached ''. When asked what the income was that Fay calculated to make that decision, they said it was a limited review an they did not verify my income, they simply honored the income I listed on my application of {$3000.00}. If my mortgage payment is less then a 1/3 of my income, how is there nothing Fay can do? 

This covid19 global pandemic has caused me to fall behind and now Fay is saying I must reinstate or move out of my home. The audacity of forcing someone who has income to pay, out of their home is absurd. These financial institutions continue to take advantage of us middle class people. I showed Fay that after my mortgage and all expenses were paid, I still have some money leftover. I have been wrongfully denied and there should be a lawsuit against Fay for wrong doing during a global pandemic. I have attached the same documents that Fay used to determine I don't qualify for assistance to further support that I have demonstrated a good financial situation allowing me to resume my payment. They would rather foreclose on me than to take my monthly payments again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted a dispute against XXXX XXXX XXXX on my credit report because they showed an inaccurate late payment after I had closed my account and paid in full. They also mailed me a letter that stated my account was closed in good standing, which I submitted with the dispute to TransUnion on XX/XX/19 on their online reporting page. It said submitted for manual processing. I also mailed in the supporting letter and supplied the file number and information in case there was a problem with the upload. I never got any response. I then call after the 30 day period to check on it and the dispute line said they saw no submission and they could not see information on the online site for disputes. They sent me to the online number and they said they saw nothing wrong all the information is there and sent back to dispute line and still nothing. I asked for a supervisor and they said none were available and they couldnt do anything else but submit another dispute so they were suppose to and send a confirmation email, but I never received a confirmation. I had no problems with XXXX or XXXX with online dispute, it actually took three days from submitting for the inaccuracies to be fixed. I am not sure how to get this fixed if TransUnion doesnt have a process for disputes that gets followed through.

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 non-monetary relief
Consumer complaint received 2023-10-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX my XXXX cards and XXXX  card were stolen. All charges except the one on my XXXX  card were resolved/denied. 
XXXX  card was with USAA. They stated they did a thorough investigation but apparently they did not. There are several factors showing this charge to be fraudulent and still denied my claim. I am out over XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2019-12-13
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: Old information reappears or never goes away

Complaint:
Equifax continues to report inaccurate information on my credit report and refuses to update the information that is now being reported on my Credit Report. As a result Equifax has also reported and refuses to update my correct and current Credit Score. My credit report has not changed and has not been accurately updated since XX/XX/2019. My Credit Score Score today XX/XX/2019 is still the same as it was on XX/XX/2019 even though I have two new creditors now reporting on my credit report. I have no debt to Credit Card Creditors as I have paid off all of my credit card balances. I called and was transferred to 9 different Representatives today while attempting to correct the information on my Credit Report. When I called to speak to an Equifax Representative  each time they all said that they could not help me and transferred me to various other departments. All of those representative attempted to blame me and said that I only have an myEquifax account not a paid service and that I can only see a my credit report two times a year for free. All of the Equifax Representatives refused to provide me with my current credit score stating that they needed to transfer me to another department. They all said that I have to pay to see my Credit Report with my accurate score and information and that they could not help me and transferred me to another person, hung up me or gave me another number to call! This is not acceptable as I am being verbally abused and harassed by the staff at Equifax while they continue to  provide false and inaccurate information on my Credit Report. Equifax staff are also refusing to correct the information on my credit report and refuse to provide me with my current credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Identity theft is a serious issue that has not only jeopardized my financial stability but has also caused significant emotional distress. I want to reiterate that I have followed every proper legal procedure and requirement diligently to address this matter. It is important to note that, as a consumer who has diligently adhered to the proper legal procedures, the rejection of my identity theft claims contradicts the very principles of justice and protection that these procedures are designed to uphold. I strongly urge your bureau to recognize the gravity of this situation and the distress it has caused me. I insist that my identity theft claims are thoroughly reviewed in accordance with the law, and I expect the prompt resolution of this matter in a manner that reflects the seriousness of my situation. This is the account that was a result of ID-Theft XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) 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 2023-04-09
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Credit Granting. This inquiry is scheduled to continue on record until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: U.S. BANCORP
State: IL
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: Problem with personal statement of dispute

Complaint:
I Repeatedly Asked U.S.Bank To Validate Account With XXXX XXXX XXXX Made Pursuant To The FDCPA & The FCRA, With Any Documents, Bearing My Signature For Verification.The Credit Card Account Is Listed As Verified by Creditor, Without Any Viable Evidence With My Signature.

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 2021-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX, XXXX, and Transunion are reporting information on my consumer report that is not only inaccurate, but I never gave permissible purpose to do so. They are violating my federally protected consumer rights and making it difficult to extend 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 non-monetary relief
Consumer complaint received 2019-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a mailed request to Capital One to request for a pay for deletion to remove the collection from my credit report in return for me paying the account in full instead they sent me a stall letter claiming that they can't find my information on file for the account and to submit more information when I sent my name, DOB, and ssn number to them for them to research these accounts that are reporting to all 3 credit bureaus, I also noticed a discrepancy with the different account numbers on each letter. I need for this to be investigated on why my requests are being stalled and not answered to when they have all information pertaining to these accounts on my credit profile. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I initiated a wire transfer of funds from my Bank of the West/BMO account to my XXXX account 2+ weeks ago. After inquiring about the status oft the transfer yesterday ( XXXXXXXX  ) I was told that the transfer had not yet been made. So BMO is not fulfilling its obligation to make a simple wire transfer. This is unacceptable. Please help. 

Thank you.

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 2021-04-01
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:
I have been disputing accounts with the bureaus for some months now and have not received any letters or results. I have inaccurate items on my credit file, including past the statue debt. It's been a few months and I haven't received anything in the mail, email or received any correspondence. I know that Covid is causing a delay in everything but I would appreciate if this was taken care of.

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 2023-04-28
Company: EQUIFAX, 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:
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. 

XXXX XXXX XXXX XXXX # : XXXX, DEPT OF ED/XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Maximus Education, LLC dba Aidvantage
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I received letters that said I could get a deferred payment plan. I called the number they said I have to pay {$290.00} times and that would stop and start my deferred payment plan. I have not made the first payment but they will not call me back or take calls. My mother already did the deferment on my FSA but now we can not login the company changed my account login

Company response to consumer: Closed with explanation