BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
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 had 4 student loans with Ed Financial. I have paid two off in full in the last few weeks, and I have two remaining, with a combined balance of $ XXXX. 

I went into my account to make another payment and I'm being told " I can not make a payment at this time. You currently have a XXXX $ balance ''. However, when I click on my loan details I still see two loans with a balance that are accruing interest daily. I also have my next loan payment due date of XX/XX/XXXXXXXX  that I do not want to miss because of this issue. 

I contacted Ed Financial by telephone today XX/XX/XXXX. I was told that because I applied for Borrower Defense, I am not in forbearance and unable to make a payment even if I voluntarily want to. I asked if they can help me fix this, they said no. I asked if I will re re-funded for the interest I accrue for the days I can not make payments, they said they do not know. 

I then called Borrower Defense, and they said this is untrue and that I am NOT in forbearance and that I must continue to pay. Furthermore, I'm concerned that I am not going to be able to make a payment online by XX/XX/XXXX, miss my payment deadline and hurt my credit score or get penalized in another way. 

I am extremely concerned that I am not able to make payments to my account and I need this to be fixed immediately by Ed Financial

Company response to consumer: In progress
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Mr. Cooper Group Inc.
State: AL
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 XXXX AND XXXX XXXX are all reporting a mortgage on my credit report that does not belong to me. I have visited my local police station and was instructed to complete a fraud report and identity theft report, I have done both. I have contacted all parties no less than three times with the appropriate paperwork to remove the mortgage. The mortgage is not reporting negatively it is actually reporting as a positive account but it is XXXX and does not belong to me. I do not understand how the information was verified during the process because I currently live in an apartment and can not purchase a home for my family because a mortgage that does not belong to me is currently reporting on my credit reports. I have sent 2 identity theft reports and fraud report from FTC website. The credit bureaus and companies will not speak with me on the phone because they claim not to understand me because I am not American. I do believe that I am being treated unfairly because of my nationality. I am pleading and praying from relief because this home being on my credit report is causing me great XXXX and XXXX  to were I may need to be seek XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: JPMORGAN CHASE & CO.
State: IL
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:
XXXX XXXX has reported a derogatory account against me in the form of a charge off as of XX/XX/23 in the amount of {$1700.00}. these marks are hurting my ability to get a mortgage at this time. 

JP Morgan has reported a charge off as well on 3 accounts I believe that these negative marks were reported without proper permissible purpose as defined under 15 US Code 1681b ( a ) ( 1 ) ( 2 ), 15 US Code 1681a ( 2 ) ( b ), and 15 US Code 1681e ( b ).

Based on my understanding of the permissible purpose law, I do not believe that the late payments and charge offs were reported with proper permissible purpose. I would like to request that you investigate this matter and provide proof that they had a permissible purpose to report this information. If they are unable to provide such proof, I request that they remove the negative marks from my credit report as required under 15 US Code 1681e ( b ) .asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-13
Company: Experian Information Solutions Inc.
State: NY
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 a formal request for a re-investigation of the account listed below. The previous item was claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. The payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the XXXX XXXX customer service representative 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 2023-05-30
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 explanation
Consumer complaint received 2022-02-03
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Key Bank National Association USA. Claims that you can opt out of overdraft protection from the checking account they offer. Here is the problem. If it is an under key bank terms an " authorized payment '' it will still allow your account to be overdrawn. and you will still be charged an erroneous {$38.00} overdraft fee which was {$33.00} i guess that must be adjusted for inflation. You can not offer or claim to offer a service of rejecting overdraft and still allow " some '' transactions to pass through and then charge the unwitting consumer. this is the closest thing to smoke and mirrors financial fraud i have ever witnessed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-28
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2023 I filed for my Teacher Loan Forgiveness Program ( TLFP ). I clearly met all of the criteria. After 10 days of no contact from EdFinancial, I attempted to call them regarding the status of my application and requested a call back due to high call volume. No call was returned at any point to me. I used their online portal to send them an email, which neither sends a confirmation email or gives me a copy of my email. After 8 more days ( 18 days total ), they finally contacted me informed me they declined my paperwork for a pointless document error that was answered later in the document and never contacted me in any way about the rejection. The same day ( XX/XX/XXXX ) I resubmitted my TLFP paperwork with the error fixed. About a week later, I received a letter via snail mail of receipt of my application for loan forgiveness. 

I contacted them again around XX/XX/XXXX regarding the status of my paperwork using their online email portal, which ( again ) provides no copy of my inquiry or notification of receipt. It took them until XX/XX/XXXX ( 22 days ) to respond to my inquiry where they claimed I had already spoken to a representative and would provide no further update. I had not contacted or been contacted by EdFinancial in any capacity between my inquiry and this response. I immediately used their online contact portal to explain my frustration and get the status of my loan forgiveness program. As of writing, an additional 21 days, I have not been contacted in any capacity by EdFinancial regarding the status of my TLFP application. When I call their customer service line, I'm put on hold only to it eventually hang up on me. When I request a call back, no one calls me. That's when they aren't closed at XXXX XXXX  and aren't open on the weekends. In order to sit on hold, I would now need to take time off of work at my expense to speak to a CSR regarding inquiries they have had significantly longer than a month to respond to.

Meanwhile, EdFinancial has been compounding interest daily on a loan balance that a ) qualifies for loan forgiveness and b ) received an application for loan forgiveness before the first date of compounding. They do not respond to calls. They do not respond to emails. They do not allow the use of their online chat function. It is not possible to contact my loan servicer and they continue to compound interest on a loan balance that should have been terminated months ago.

Company response to consumer: In progress
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX : {$48000.00}, XXXX XXXX XXXX Balance XXXX {$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 2018-04-23
Company: EQUIFAX, INC.
State: KS
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:
XXXX XXXX XXXXXXXX is reporting the account is handled by a debt management company where it is NOT. I pay my payments directly to XXXX XXXX XXXX. They are also reporting my account is OPEN on XXXX credit report where it has been CLOSED for 1.5 years. In addition they are reporting late payments in 2016 when I was not late, they failed to send my statement to the correct address after a military move. They were given the correct address and still to date have not updated it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EdFinancial Services
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XXXX XX/XX/XXXX called with a question about paying off my loan. My question is who to make the check out to. Researched site extensively and nowhere could I find info on who to make payment to. Called, no answer, asked for callback. Got callback but was with a client and could not answer phone. Same thing on Friday XX/XX/XXXX. Called again every day requesting callback, have not received one since Friday, XX/XX/XXXX. Have had phone with me at all times, have cancelled appointments and made arrangements with clients to let me have phone on during XXXX  sessions attempting to accommodate EDFinancial 's system. Attempted to ask via chat but customer service chat not available at this time ( every day for the last week ). Answer not available on frequently asked robochat. I have been on hold for two and a half hours this morning ( XX/XX/XXXX ) XXXX. Call finally answered XXXX Wed XX/XX/XXXX.

Company response to consumer: In progress
Consumer complaint received 2023-03-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My closing was delayed due to Chases mortgage team not seeking the correct insurance information until the day of the scheduled closing. I immediately provided the information, but Chase was unable to process the information fast enough and had to delay my closing. I was told that the department responsible for processing the information was too busy to process the information in time. Nevertheless, Chase refused payment under its Chase Closing Guarantee. They tried to blame my realtor, who had no involvement in the issue. Their claimed guarantee is misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Santander Consumer USA Holdings 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: Investigation took more than 30 days

Complaint:
I HAVE FILED DISPUTE IN REGARD TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: PENTAGON FEDERAL CREDIT UNION
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On two occasions, I transferred US cash funds from my checking account and/or savings account to a new product called, Online Savings Account, and my transferred funds were not available for 10 calndar days to two weeks. I contacted the Pentagon Federal Credit Union to make these funds available immediately and they refused to do so.

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX Date opened XX/XX/2015 XXXX : {$0.00}

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 2022-02-03
Company: Franklin Collection Service, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX I ordered XXXX and they installed their dish on my roof at my current address. 
( XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX ). 
XX/XX/XXXX I cancelled XXXX. They sent a box to return their equipment in to my current address ( XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX ). 
XX/XX/XXXX Franklin Collection Svcs Inc posted an unpaid debt on my credit report. 
They did this without notifying me first. 

Franklin Collection Svcs Inc XXXX is your case number with our company XXXX is the case number for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ext : XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX I contacted XXXX but they could not find any record of me. 

Franklin Collection Svcs was able obtain a statement. 

On this statement I noticed the service address is wrong. 
They have been sending statements to the wrong address. 
I have never received a statement from XXXX or XXXX XXXX XXXX showing a balance due. 

They should have sent the statement to the address where I live and where their equipment was installed. 

Franklin Collection Svcs Inc had my credit report witch shows my current address. 
They could have used my current address to contact me before posting ( without any prior warning ) an unpaid debt on my credit report. Instead they chose to start harassing me by ( without any prior warning ) posting an unpaid debt on my credit report. 

I work very hard to keep my credit score high, I would never miss a payment. 
Even with all the facts Franklin Collection Svcs Inc continues with the absolute worst form harassment by not removing this unpaid debt from my credit report. 

If XXXX wants the {$85.00} then they need to send a balance due to the service address where I live and where their equipment was installed. 

First email to Franklin Collection Svcs Inc Without giving me any advanced warning you added an unpaid debt to my credit report. 
This form of harassment has cussed me great harm. 
Your action has cost me far more than {$390.00} you are trying to collect. 
My XXXX score has dropped from XXXX to XXXX points. 
You have humiliated me, ruined my credit and embarrass me. 
XXXX has not provided me any reason for this unpaid debt. 
This harassment must stop. 
Remove the unpaid debt from my credit report immediately. 
From : XXXX XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX PM To : XXXX XXXX XXXX : Re : Information Requested Current Address XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, XXXX XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: AL
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:
EXPERIAN, XXXX XXXX XXXX AND XXXX XXXX are all reporting a mortgage on my credit report that does not belong to me. I have visited my local police station and was instructed to complete a fraud report and identity theft report, I have done both. I have contacted all parties no less than three times with the appropriate paperwork to remove the mortgage. The mortgage is not reporting negatively it is actually reporting as a positive account but it is XXXX and does not belong to me. I do not understand how the information was verified during the process because I currently live in an apartment and can not purchase a home for my family because a mortgage that does not belong to me is currently reporting on my credit reports. I have sent 2 identity theft reports and fraud report from FTC website. The credit bureaus and companies will not speak with me on the phone because they claim not to understand me because I am not American. I do believe that I am being treated unfairly because of my nationality. I am pleading and praying from relief because this home being on my credit report is causing me great XXXX and XXXX  to were I may need to be seek 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 2022-05-18
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX, has violated my rights. 

1

5 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

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