BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-03
Company: EdFinancial Services
State: CA
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 have a student loan of {$6200.00}, there was a student loan relief and I applied for it and it currently on hold right now. As of XX/XX/XXXX, I paid an amount of approximately {$3400.00} and my loan balance was about {$2800.00}. However, I also did apply for the student loan payments refund that I made during the freezing time of COVID at the time I applied for the student loan relief and got approved for that back in XXXX, I received an email stating that I got approved. My loan balance reinstated the end of XXXXbeginning of XX/XX/XXXX and the balance went back to {$6200.00} which took a huge drop for my credit card score as well. I then received a check of {$400.00} on XX/XX/XXXX as a part of my loan payment refund. I did not receive the rest of the payments that I make which was around {$2900.00}. I call EdFinancial to get an update regarding to the rest of the payment and they told me it took about 45-90 days to have it processed so I then waited and called them back around XXXX to get another update and I got the same feedback to wait for another 45-90 days but it's been over 60 days since I last called them and I still have not received anything. I then called them again in XX/XX/XXXX to get an update just to receive the same thing to wait another 45-90 days because they don't have an estimate time. I have talked to my other friends who have a different service provider and they gave them an exact estimate wait time and got their refund back around the given time. However, with EdFinancial I kept getting the same information to wait and it wasn't helping as much. Since the student loan relief is currently on hold at the moment, I want to be able to get the payment back just in case it does not get approved in XXXX so I can have the payment to pay for the student loan that just got reinstated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: Specialized Loan Servicing Holdings LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Specialized Loan Servicing continue sending me notices encouraging me to contact them to discuss possible loss mitigation options. 
Document #! dated XX/XX/2019. 
Although SLS says that they are not sending me foreclosure notices, this letter is the first of many notices to follow that will include foreclosure notices. 
I am not delinquent in payments. I surmise that because SLS has a carrier to pick up their mail because payments are sent to a XXXX   XXXX number XXXX, mail is late posting. 
My scheduled payments are timely, however when you have a carrier delivering mail it may be late receiving. 
I want SLS to put all my correct information in their main frame. Neither department knows what the other department is doing. I have response letters dated XX/XX/2019, from XXXX # XXXX, XX/XX/2019 from XXXX # XXXX, XX/XX/2019 from XXXX # XXXX, then a letter of mortgage delinquent notice dated XX/XX/2019. 
I tried to call XXXX and XXXX at XXXX giving their ID numbers and was told that their was no such person in the company. 
Loss mitigation, escrow, loan servicer, LPI, hazard insurance, mortgage loan, analysis, foreclosure sale, customer care support, and any and all other service departments needs to get into each and every main frame and correct my account information. 
From each and every correspondent they maintain that I never sent the ( elephant in the room ) declaration page XXXX proof of insurance. Which is a bold faced lie because I sent the same document of proof to you and to them several times throughout this process. Even the 3rd party XXXX sent the document. I sent payment XX/XX/2019 {$770.00}, XX/XX/2019 {$770.00}, then received a letter from SLS about a reduction adjusted to my account for the month of XXXX. 
If I'm behind as SLS maintains why did I only have to pay {$400.00} for my XXXX ( money dated XX/XX/2019 {$450.00} ) payment? SLS also sent me a refund check. 
I'm demanding that SLS correct every departments main frame as it relates to account # XXXX. 
Sincerely yours, 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 2023-11-15
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2023 I requested proof of public record. Equifaxing provide proof that XXXX is reporting a bankruptcy for me. I am attaching a letter from XXXX XXXX showing proof that the bankruptcy was removed because they couldn't verify the data.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: EQUIFAX, 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:
I have never owed a balance with XXXX XXXX XXXX. There are two accounts on my credit report showing as owed, but these were a result of identity theft. I have notified XXXX XXXX as well as their collection agency and they confirmed that they would be removed, but to date, the balances still show due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/2021, I applied for a Care Credit Loan online. After submitting the information online, the screen said that more information was needed. The next day, I tried to continue the application and through an app and I was made to show my ID and take a photo of myself. After that, the credit was denied. When I called Care Credit, they referred my Synchrony, the main lender. I was told that no representative could give me information about why my account was denied and I would get something in the mail. As of XX/XX/XXXX, I haven't received anything in the mail. I did get an email saying it had my Synchrony credit results. When I put in my information, the page said there were no results for my inquiry and there was no contact information to follow up with the email. When I called Synchrony again to inquire about the denial and the lack of information in the email, no one would help me or give me any information. I believe they are violating the Trust In Lending Act by not giving timely results of my credit score. In addition, I have a Synchrony account with an Old Navy Credit card and my account is in excellent standing. That account was acquired when I made less money and had a lower FICO score but I wasn't required to show ID or give a photo. Asking for a picture of my ID and of myself then being denied feels discriminatory because I have good credit and a steady income. I would like this issue to be investigated to see if Synchrony violated TILA and/or if I was discriminated against because of my race.

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Several inquiries were made in my name on all XXXX credit bureaus beginning XX/XX/2023. An XXXX XXXX credit card was approved in my name although I never applied for it and I never requested these inquiries on my credit. I received an alert from my bank and then an email stating the credit card was on its way. I notified XXXX XXXX that this was a fraudulent request and the card was cancelled before the thief even received it in the mail, although they had already activated it online. I correct the email address and phone number XXXX had listed for me since it belonged to the thief and not me. I activated a security freeze on my XXXX and Transunion accounts so far.

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 2023-11-10
Company: CITIBANK, N.A.
State: IL
Product: Credit 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 kindly request the Citi Dispute Team to reopen Cases XXXX and XXXX against XXXX XXXX XXXX, involving amounts of {$1000.00} and {$3500.00}, respectively. I have submitted a comprehensive email thread with the company that underscores their failure to fulfill the agreed-upon delivery timeline and their subsequent agreement to cancel the contract and refund the fees due to their inability to provide the promised service. 

XXXX XXXX XXXX failed to set up the account within the stipulated 10-day period, resorting to providing fake leads to feign progress. When I inquired about the lack of leads, they offered a series of excuses, from improper account setup to issues with XXXX XXXX. Throughout this process, their conduct was marked by a lack of transparency and professionalism. The owner 's behavior and attitude further compounded the problem, making it apparent that they may not honor their refund commitment as promised. This was the primary reason for initiating a dispute through Citi. 

Despite supplying Citi with extensive evidence in the form of screenshots illustrating my ongoing attempts to engage with the company in pursuit of the contracted deliverables, Citi closed the case without explanation and without processing my refund. The company, in turn, failed to produce any credible evidence to counter my claims or demonstrate the delivery of any product or service as per the contract. I reiterate that I have received nothing in accordance with the terms of our agreement. 

I respectfully request that Citi promptly reopen these cases and thoroughly examine the provided information, which should lead to a just resolution in my favor, entailing the reimbursement of the {$4500.00} wrongfully charged by XXXX XXXX. To compound matters, the company has not canceled their services, and I continue to be charged for XXXX XXXX, which I am disputing with Citi as well. It is evident that I am being billed for services that have not been delivered. I hope this information is sufficient to prompt Citi to take appropriate action.

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 monetary relief
Consumer complaint received 2018-05-08
Company: The CBE Group, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe this amount. Property they are trying to collect from I was not the owner or a resident at the time and I did not authorize these services. The company has yet to show me any documentation that shows I was a resident at this property at the time of collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 trying to buy house and i came out of XXXX and collections and late payments are affecting my credit report collection company are not being professional according to the 15 USC1681 law there should not be any damages on report is defamation to my character

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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THIS INQUIRY DOES NOT BELONGS TO ME XXXX XX/XX/2022

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 2022-04-20
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act Account # XXXX bankruptcy XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX has violated my right also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 

15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish and account without my written instructions 15 USC 1681 section 602A states that I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act Account # US bankruptcy XXXX, XXXX XXXXXXXX XXXX, XXXXXXXX XXXXs XXXX, XXXX XXXXy XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX has violated my right alsXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX 

15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish and account without my written instructions 15 USC 1681 section 602A states that I have the right to privacy.

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 2022-09-12
Company: Experian Information Solutions 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX  XXXX Balance : {$49000.00} XXXX  XXXX XXXX Balance : {$2900.00}

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 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Transunion is only getting one of the two accounts being reported by XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) while XXXX is getting both accounts. This is negatively impacting my Credit Score with Transunion because the total account utilization percentage is higher than it should be as it is not taking into account two accounts but just one account. 

I've called Transunion and XXXX XXXX XXXX today regarding this issue around XXXX on XX/XX/2022. Transunion said they can not do anything on their end if the Credit Card company does not push them the data for all accounts and they also only see one account when in fact I have two active that is currently being reported on by XXXX. XXXX XXXX XXXX told me that I would need to write to their Credit Dispute team in order for them to investigate this issue and they claim that they are reporting all information on all accounts to all three major Credit Card Reporting agencies ( Transunion, XXXX, and XXXX ). 

No further attempt of assistance was provided by XXXX XXXX XXXX when I confronted them of this issue and they did not have a hotline or customer service representative that could look into this issue and implement corrective actions immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account 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 an account without my written instructions.

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 2022-12-12
Company: EQUIFAX, INC.
State: GA
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:
According to FCRA laws if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Merchants and Medical Credit Corporation, Inc.
State: MI
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:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, MERCHANTS & MEDICAL CREDIT CORPORATION used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. MERCHANTS & MEDICAL CREDIT CORPORATION reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

Company response to consumer: Closed with explanation