BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: EdFinancial Services
State: DC
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:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Edfinancial Services, a financial company that handles my student loan payments. My complaint pertains to severe payment processing issues that I have been experiencing over the past month, which have caused significant financial and emotional distress. 

Below, I have outlined the details of my grievance : On XX/XX/2023, I initiated a payment of {$3500.00} towards my student loan account with Edfinancial. 

On XX/XX/2023, I made an identical payment of {$3500.00}, believing that the first payment might not have gone through. 

On XX/XX/2023, I made a third payment of {$3900.00}, with the intention of ensuring that my payments were up to date. 

On XX/XX/2023, I attempted to make yet another payment of {$4200.00}, hoping that this would resolve the situation. 

Despite making these payments, I have received no confirmation or acknowledgment from XXXX beyond a receipt email that my payments were received and applied to my account. This lack of communication and transparency is deeply concerning. 

Moreover, when I attempted to contact Edfinancial to inquire about the status of my payments and seek a resolution, I faced extreme difficulty in reaching their customer service representatives. On the rare occasions when my calls did go through, I was met with unprofessionalism, as I was hung up on without any attempt to address my concerns. 

As a responsible borrower, I also contacted my bank to verify whether these payments were processed successfully or if they were flagged as fraudulent. My bank confirmed that none of the payments I made to Edfinancial have been processed or withdrawn from my account. This further indicates that Edfinancial has not fulfilled its obligation to process my payments appropriately. 

While Edfinancial fails to process my payments, my student loan account continues to accrue interest on the principal loan amount. This situation has placed me in a precarious financial position and is causing undue stress and anxiety. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Edfinancial Services for their failure to process my payments and provide adequate customer service. I also request that Edfinancial be held accountable for any financial losses or damages I may incur due to their actions. 

I am more than willing to provide any additional information or documentation that may be necessary for your investigation. 

I sincerely hope that the Consumer Financial Protection Bureau will address this matter promptly and ensure that Edfinancial Services adheres to the necessary standards of conduct and customer service. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-09-26
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:
Mailed in a lengthy thorough dispute that went ignored by Transunion, I also upload the same information using their uploading system. Since the law requires them to respond to muy claims and perform a investigation which never occurred, I will file a complaint with them. I have been a victim of identity theft. Every time I called on the phone a representative located in another country could not locate what I mailed in.

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 2023-12-04
Company: CBC Companies, Inc.
State: VA
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:
XXXX XXXX XXXX XXXX Account # XXXX THE FURNISHING ON THIS ACCOUNT IS NOT % 100 COMPLETE AND ACCURATE REMOVE THIS INCOMPLETE & INACCURATE ACCOUNT DUE TO VIOLATIONS OF THE FCRA, ACCOUNT IS NOT % 100 COMPLETE AND ACCURATE!!! Closed Date : XX/XX/XXXX IS WRONG DATE!!! INACCURATE The " Closed Date '' on this Account is Completely Wrong, its over a year off, They Changed my Closed Date Multiple Times Negatively affecting the Time it stays on my report. ACTUAL REAL CLOSED DATE IS XX/XX/XXXX. 
THEN THEY CHANGED CLOSED DATE TO XX/XX/XXXX, THEN THEY CHANGED CLOSED DATE TO XX/XX/XXXX. 

Two-Year Payment History : INACCURATE & INCOMPLETE The absence of information in the " Two-Year Payment History '' section is notable. If there have been payments or activities within the last two years, they should be accurately reported. 

Dispute Status : INACCURATE & INCOMPLETE Dispute Status says NOT IN DISPUTE, even though I Disputed this account countless times due to WRONG CLOSED DATE & other Inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, for the past year or so I have been getting letters attempting to collect a debt from XXXX from the resurgent companies of debt collection including, LVNV Funding and Resurgent and now XXXX and XXXX the XXXX law firm. I have disputed all these attempts and sent verification requests which have either been ignored or once they sent an alleged copy of a monthly statement and have repeatedly ignored my requests for actual verification of debt and their legal ability to collect it, including an original contract, a purchase agreement for the debt from the original creditor, and more against the fair debt collection act. It seems that after I request verification they just transfer it to another company within their network to avoid the verification request or send not up to power verification. 

This is my last attempt to stop this harassment before seeking legal remedy for violations of the fair debt collection act. 

I would appreciate your help to stop this illegal collection techniques and efforts. 

It says the original file number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to investigate and updated for erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-10
Company: NATIONSTAR MORTGAGE LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX I was in mediation and was told to submit a financial packet to the lender 's attorney 's office which I did and the packet was review and I was told that I qualified for the Making homes affordable program but the trustee 's of XXXX XXXX did not want to participate even though Nationstar was the lender but XXXX trustees had final say so, I continued in mediation which the lender 's attorney informed that Nationstar has an in house loan that I qualified for which was double the amount of my original mortgage payment it went from {$1500.00} to {$2900.00} which I told them they were setting me up for failure if I could not afford to pay the {$1500.00} how was I going to pay the higher payment which I did not do because again I could not afford it I stated it to the judge and the attorney. On XX/XX/XXXX via email from the attorney office I receive a motion to foreclosure to which I objection due to the there was fraudulent activity within my mortgage documents which I filed complaint with the Connecticut banking department and which they are reviewing at this present time. I was just received a letter of strict foreclosure which is dated XX/XX/XXXX and I have received the court letter requesting to me to come to court as yet but I should

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/XXXX i apply for venture capital one cradit card. And there is 0 % intarest for 12 month. Before i transfar balence i call customer service 2 time, ask them there will be any intarest charges? They says no interest untill XX/XX/XXXX. So i transfar balence! but now they are chargin me intarest. So its a trap, they are making their customar fool. Now they saying why i dont read terms and condition befor transfar. But i cant read so thats why i call 2 time. Also i ask then to Listen previous conversation voice record with customer service but they dont. So why i pay from my pocket for their customar survice who make false statements??????

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: VA
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:
There are inquiries that I never authorized reporting on my consumer report. I tried resolving this with the credit reporting agencies, but I have yet to receive the validation I have requested. This is a direct violation of my consumer rights because the inquiries are still reporting on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: M&T BANK CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Since M & T Bank took over my Peoples Bank Account there is a continuous problem accessing my account through their online banking system. When I login I keep getting locked out of my bank account and when I call their customer service rep ( that is if their customer service center is open ) they have no answer for the lockout. The rep will unlock my account and all seems fine for a few hours and then it goes back to being locked out again and again day after day and its been for 5 days straight now and this has been happening since the change over to M & T Bank. The reps keep stating that it is a sensitive alert system and they start to laugh or chuckle at me!! This also happens every time I try to send money through their XXXX online banking program and I mean every time! I constantly get a fraud alert and get locked out!? I am logged into my own account using XXXX from my own account and I get a fraud lockout!? How is it fraud if I am successfully logged into my own account at the time!? And then locked out of my account again and the kicker is M & T Bank does not have a XXXX hour customer service center to call to unlock my account after XXXX XXXX so I cant access my own money till the next day!? A XXXX hour service needs to be set up to resolve account issues after XXXX XXXX especially for account lockouts!? This is a serious problem that has been going on for far too long!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX, I paid my Synchrony Bank ( Amazon Store ) card ( ending in XXXX ) balance in full, drafted from my XXXX XXXX XXXX checking account ( ending in XXXX ) for {$5000.00}. 

The following day on XX/XX/XXXX, Synchrony deducted {$5000.00} from my XXXX XXXX XXXXXXXX checking account ( ending in XXXX ) a second time. 

I reached out to Synchrony around XX/XX/XXXX to report the extra payment. The vendor reported a double payment ( the second of which was made at XXXX XXXX ET - my time ), despite a balance of only {$5000.00} on the account. I requested a refund of the extra monies deducted and Synchrony said a check would take 10-15 business days, USPS, no tracking was available. 

15 business days later, in early XXXX, on XX/XX/XXXX I reached out to report the check wasn't received. They dispatched a new check " expedited '' and said it would be received in XXXX business days, still no ability to track the check ( even if I paid ) Today, I reached out XX/XX/XXXX and ask about what the next steps are if/when I don't receive the 2nd check and was told they would dispatch another. Again another 7-10 business days, again with no tracking. After I pushed back for 20+ minutes it was suggested a delivery attempt was made but the check was sent back ( the only signature option I am aware of with USPS includes tracking ) but some stuff to consider : 1. We use XXXX Mail which takes scans of all our mail as it passes through our local post office, no images have been captured of Synchrony communications or any unreceived mail. 

2. We have cameras on the property that captures anyone who approaches any of our doors or rings the bell, no one from the post office has approached our door for a signature. 

3. No notices to indicate an attempted delivery were left on the mailbox or on the door. 

As a result, I opened a dispute on the charge via XXXX XXXX XXXX. They reported it could take 45+ days and I may/may not receive a refund after that investigation. 

I do have chat logs for 2 of the 3 discussions with Synchrony Bank.

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 2023-06-28
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: Account information incorrect

Complaint:
- XXXX, Date Opened : XX/XX/XXXX REPORTED TO XXXX, last day of payment XX/XX/XXXX Collection account with a pass due amount showing {$200.00} - XXXX XXXX Date Opened : XX/XX/XXXX reported to TRANSUNION, last day of payment not reported, BALANCE {$200.00} - XXXX  XXXX, Date XXXX reported to XXXX, last day of payment not reported, BALANCE {$200.00} -ALL THESE 3 COMPANYS APPEARS TO HAVE DIFFERENT NAMES REPORTED TO MY CREDIT BUT IS ONE COMPANY ALL TOGETHER AND THEY ALL SHOW BALANCE AND HIGH CREDIT OF AN AMOUNT {$200.00} -dates do not match

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 2021-10-01
Company: EQUIFAX, INC.
State: PA
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:
Equifax has 5 hard inquiries that I have asked for FAIR CREDIT REPORTING ACT SECTION showing why did these hard inquiries allowed when I had CREDIT FREEZE during the time. Then I wrote about section XXXXand XXXX that shows exactly how the inquiries came through without signature, spelling of name, who they talked to and the list goes on. They need to take all 5 hard inquiries off.

1. Factual Data XX/XX/XXXX. 
2.XXXX XXXX XXXX XX/XX/XXXX. 
3.XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. Can't/ tires XX/XX/XXXX All these had credit freeze and XXXX customer service lies. They don't understand XXXX the way we do. They are taught to break the law. They also just hang phone up on you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14
Company: Security Credit Services, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
For years this company has been reporting the account listed. They continue to post this account on my credit reports for years to make it seem as if this account was opened recently in fact that is not true. I need proof of any documents they have showing where I opened an account with them on XX/XX/2019 immediately which I have never been provided no mail or electronic communication at all that proves this accounts belongs to me, which they are also required to furnish and after multiple attempts they have not furnished any documents. 

Security credit Services Original Creditor : XXXX XXXX Amount ; {$1800.00} Date OpenedXX/XX/2019 XX/XX/XXXX/XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: MI
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2023 I refinanced my home and reached a written settlement with Synchrony Bank TJX Rewards XXXX. The account was Settled in Full for {$2700.00}, with the agreement that the account would appear on my credit report with a XXXX ( {$0.00} ) balance, and the account status would be " Paid. '' Synchrony Bank accepted and deposited my {$2700.00} check from the Title Company, marked as Settlement in Full. However, AFTER the payment was received, Synchrony Bank reported my account as " Charged Off '' with a balance of {$3400.00}. This report has occurred every month since XX/XX/2023, and this account on my credit report is still showing a " Derogatory '' account status, rather than the promised " Paid '' status, and it is still showing an account balance of {$3400.00}, rather than the Settled in Full balance of XXXX ( {$0.00} ). Synchrony Bank most recently reported this on XX/XX/2023, and I expect they will fraudulently do so again this month. As a result of this " Derogatory '' report and falsely reported " Amount Past Due, '' my credit score has dropped each month it has continued to be falsely reported.

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 2021-05-28
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Under the law 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I hadn't been able to see any statements until recently which means i wasn't aware that there were late payments that XXXX  XXXX XXXX was reporting. The late payment being reported in my credit reports are therefor inaccurate and should be updated to current as soon as possible.

Company response to consumer: Closed with explanation