BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: TN
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 was informed of some negative information on my report. I am aware that consumer reporting agencies have assumed a vital role and have a grave responsibility to protect my right to privacy. I am challenging the accuracy and compliance. I challenge the consumer reporting agency to documentation along with my signature. The failure to provide documentation is a violation of the FCRA and it is considered identity theft for the use of any information without the consent or written instruction of the consumer. The following accounts should be removed immediately without proof of documentation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I also have an identity theft report for the inquiries that should be removed. The following : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. I will seek remedy for any negligent and willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Regarding : Belk Store Account XXXX XXXX XXXX XXXX On Approximately XX/XX/2022, Belk Store reportedly sent a XXXX XXXX Purse to me.. I never received the purse. 
XXXX delivered the purse to the wrong address. Tracking XXXX ( XXXX. 

I have written to Belk many times sending information to them to prove that I never received the purse. I have also talked to your Synchrony Bank and sent you information to prove that the purse was delivered to the incorrect address. 

I have opened several case to get Belk to rectify problem, but to no avail. 

Belks/Synchrony Bank continues to harrass me and send me late due notices over and over for a purse that I never received.

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 2023-03-14
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 the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-19
Company: Open Dealer Exchange, LLC
State: CT
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:
Blessings, I contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would make a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to Please help me remove it since my credit dropped because of all these inquiries that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: JPMORGAN CHASE & CO.
State: OH
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: Investigation took more than 30 days

Complaint:
JP Morgan Chase ( Chase ) bank has a service called Credit Journey which summarizes members ' credit scores from XXXX. NOTE : my XXXX data is correct ; it is Chase that is incorrect. 

My XXXX XXXX summary is screwed up, showing the wrong person 's personal credit data, including credit card, and auto loan balances, employment, and address history. And, yes, I can identify that person due to his employment and address history. 

Some of my Tax Data is screwed up as well, with this other person 's Social Security number on my 1099-INT forms, so while I have received tax forms in the mail, I can not access these forms on the Chase website. 

This error on my Chase Private Client Form 1099-INT for my checking and savings account goes back to the form issued for the tax year XXXX. Does this mean the other person has had additional interest income reported by Chase to the IRS for XXXX, XXXX, XXXX, and now XXXX? 

I have had multiple discussions with my Chase Private Client Banker, who has escalated this twice. Both times the escalation teams have expressed great concern over the error, but they can not change my social security number in the system ; only my banker, upon my providing a photo ID and Social Security Card, in person and fix this. I have appeared in front of him twice, providing the necessary documentation. 

It was readily apparent the escalation team 's level of concern went up when I related that I had already met my banker, provided my ID and Social Security card and the condition was not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Experian Information Solutions Inc.
State: AL
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: Was not notified of investigation status or results

Complaint:
In XXXX and XXXX of XXXX, I filed a dispute with this credit bureau about the unverified U.S. Bankruptcy Court case number XXXX andXXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these unverified accounts as of today. 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 2023-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
during XX/XX/2022 im i had left my wallet at XXXX XXXX and i had a chg done from s purchase bank oc a has police report i bktice next day on mg app a large purcgase was done ssme day at tgd same stors i hsd notify bznk and odered a nes card but issue was never resolved after many call i givr up i no linger bsnk witb them ad they failed to protect my acct a few times and i feel they dont pritect me the 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 2023-10-18
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: NC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed XXXX and have already made three payments @ XXXX twice a month. I will pay nearly {$5000.00} for a XXXX loan. I was NEVER told this was a payday loan. I thought it was a regular loan. I can not afford this as Im a XXXX month employee!!!

Company response to consumer: Untimely response
Consumer complaint received 2020-03-10
Company: Pittenger Law Group, LLC.
State: MO
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 received a letter from multiple collection agencies for the same debt. I have explained that I was laid off of my job of 16 years and fell behind in my payments. I established a payment arrangement with one collection agency then I started getting demands and letters from another collection agency ( Pittenger Law ). I advised that I would like to validate that there is not dual collections happening they were nice and said they would check with the original creditor XXXX. I called XXXX and they advised the correct collection agency was XXXX XXXX. I now don't know who to trust or who to pay I really would like to just pay XXXX XXXX back directly but everytime I call they say they no longer have access to my account. How is that possible that the owner of the debt no longer has access to the account I was never advised that my accounts have been sold. I'm just looking for help to resolve this nightmare now I am afraid the payments made have been lost.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10
Company: Receivables Management Partners, LLC
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I went to see my doctor on XX/XX/2018 before moving overseas for 3 months for a summer XXXX XXXX. When I came back I had a letter from collection agency Receivable Management Partners LLC ( rmp ) telling me I owe my medical provider. I called my medical provider XXXX XXXX XXXX in Washington DC and they said my account is closed with them. I asked for a bill and I was not able to get one. After many attempts to my medical provider directly, I finally paid the collection agency. 

This now shows on my credit report on XXXX  and XXXX  and has dropped my credit score around 100 points. My attempts to remove it from my credit report as an error from my medical provider and non-receipt of the original bill has been frustrating and unsuccessful. I was able to successfully remove it from XXXX  report but the customer service in rmp, XXXX  and XXXX   have not been helpful at all. 

I really appreciate your help on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EdFinancial Services
State: PA
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 applied for an IDR through studentaid.gov last month at the end of XXXX. I was told by studentaid.gov that my application was processed successfully and to expect payments around {$140.00} a month, with payments starting on XX/XX/2023. My loan provider, EdFinancial, has never corresponded with me to let me know that they received my application for IDR, and on their site there is no information to suggest that they have received or are processing my IDR request. 

On EdFinancials site all I see is that I have to pay almost {$800.00} on XX/XX/XXXX, which I can not do ( hence my need for an income-based plan and not the standard 10-year plan ). I've called Edfinancial 3 times since last week and have been given wait times exceeding 600 minutes. Twice the calls just dropped after about 3 hours.

I've left my phone number to be called back since last Thursday and have not received any calls from them. I feel very scared. I can not make these {$800.00} payments and I can not get in contact with anyone at EdFinancial. This feels like negligence and incompetence and I hope that filing a complaint here will do even the smallest of things for me and my situation. 

Thank you for your time and attention.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-17
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
whom it may concern. Inaccurate addresses I never lived at or have no knowledge of are being reported to my credit report due to this concern I am not able to obtain any credit in my name. Due to my lack of acknowledgment for these accounts, I never associated with the account or addresses as stated above. Please remove all other addresses off my report as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 


My current and only address is { XXXX XXXX XXXX }. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions 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:
Experian has violated the FCRA by continuing to report unverified accounts. I have documentary evidence and their dispute results that show these accounts has not been verified but they are still reporting them and the FCRA states to verify the accounts or delete them and they have not deleted them but continue to report this false information. It is damaging my consumer report and reputation and if this problem isnt corrected immediately I will be moving forward with legal actions. Also disputes take longer than 30 days.

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 2020-03-10
Company: SYNCHRONY FINANCIAL
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:
I would like to have the paid charge offs removed from my report, the companies said they can not do that.

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 2021-03-30
Company: Experian Information Solutions Inc.
State: MI
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 an account on my XXXX XXXX & Experian credit profile with XXXXXXXX XXXX XXXXXXXX XXXX. I wrote many letters to both companies and the actual collection agency and submitted a prior complaint to you ( CFPB ) and I'm not getting any answers that make sense. This collection company can not validate this debt. The documents that they are providing can be easily downloaded and manipulated. Any of the documents provided DO NOT have my signature or personal information attached just my name. Also, this company just re-aged my debt to XX/XX/2021, as if it's a new collection account. This is illegal and doesn't not me FCRA guidelines. I want this collection account deleted from my profile. I also hired an attorney to help me since no one is trying to do anything and will be filing a lawsuit against XXXX XXXX, Experian and XXXXXXXX XXXX XXXXXXXX XXXX for not doing their due diligence in this matter. 

XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX-re-aged and you can tell from my previous complaint. 
{$2000.00} I also want them to stop mailing be bogus statements every month. 

Thank you 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 2023-08-15
Company: EdFinancial Services
State: MA
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 contacted the company multiple times on why my balance hasn't been updated. They claimed that they report the balance on a monthly basis but the same balance has been reported for months. I even tried disputing the balance as well and no changes where made. Im not sure if im doing something wrong but I dont feel like it should still reflect that I have $ XXXX in student loans when the balance is only about $ XXXX which is a big difference. I provided a file of all the payments that were made leading getting to what the balance is almost at as the 3rd file provides the most up to date balance as of XX/XX/.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: DE
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-06
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a collection alert from a credit monitoring company in XX/XX/2023 for XXXX XXXX XXXX ( who I have never purchased anything from ), or a collector that they have hired, for an electric bill in XXXX XXXXXXXX XXXX I have never lived in XXXX XXXX nor to my knowledge have I ever been there. I called the collection company, Convergent Outsourcing, in an attempt to resolve, the problem and was told to submit a dispute with the credit bureaus. After multiple disputes and some success the collection persists. I never received any kind of phone call or other kind of verification from XXXX XXXX that I was activating an account nor did I receive any notification from Convergent Outsourcing. I do not understand why the burden of proof lies upon me to say this is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EdFinancial Services
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I made made an overpayment on one of my student loans account. instead of crediting the overpayment to my other federal loans, they just show as overpayment. i contact them, they said it will take a few days and they can then manually transfer the overpayment to my due loans. its been over a week, nothing has been done. i am still accuring interest on my loans while i have extra overpayment in my paid loans just sitting there. this is fraud practice as they just want to get interest money from me

Company response to consumer: Untimely response
Consumer complaint received 2023-09-18
Company: EdFinancial Services
State: OR
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:
EdFinancial shows my payment due of {$200.00} and {$16.00}. I am on the Income Based Repayment ( IBR ) Plan. According to Studentaid.gov my monthly repayment amount should be {$0.00}. According to the Edfinancial representative I spoke to over the phone it should be {$0.00}. 

I resubmitted my IBR application through Studentaid.gov on XX/XX/XXXX, and that Edfinancial processed my application. The amount owed still shows {$200.00} and {$16.00}, due XX/XX/XXXX My XXXX for XXXX was {$12000.00} My discretionary income, using the IBR formula is {$0.00}. Based on this, my amount due should be {$0.00}.

Company response to consumer: Untimely response