BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
As you all helped me with this transaction back in XX/XX/XXXX   where I was scammed and Paypal/Synchrony Bank ruled in my favor I find out now that I am being charged cash advance interest on that transaction for years. I didn't know this was happening all these years because I went to paperless billing and didn't pay attention to this until now.

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 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
On XX/XX/XXXX, I contacted TransUnion regarding my current credit report recent negative reporting from XXXX XXXX XXXX XXXX ( " XXXX '' ) regarding an account that was paid in full as agreed. The employee or representative of TransUnion stated to me his computer screen showed two late payments from this creditor. I told TransUnion that my personal credit report from XXXX did not show any negative reporting so why would the reporting show up now. The TransUnion individual stated to me that they report what the creditor tells them to regardless if it is correct or not. 

I feel very targeted by XXXX and TransUnion. Does appears that the credit bureau is protecting the creditor and not the consumer who paid the loan in full. 

I am asking for a full investigation in to the policies and procedures for TransUnion and why they are allowed to put anything on a closed paid as agreed account. 

I tried to attach my XXXX credit report showing no negative reporting, however this system is unable to the pdf file.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-25
Company: EdFinancial Services
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
In XX/XX/2023, EdFinancial listed my IBR loan as forgiven on their website. ( I also have much public service, but no technical qualification due to dates. ) In detrimental reliance on that information, I made several significant changes in my life. My current payments are XXXX XXXX and as I understand it, I need to wait about 5 more years for forgiveness under IBR, but I'm upset by being misled about status, and consequences of their reneging. Is there anything to be done? Thanks for your attention.

Company response to consumer: Untimely response
Consumer complaint received 2022-07-13
Company: Credit Central Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I went to a loan place in XXXXXXXX Georgia Credit central they said they don't go by credit and then the man XXXX never calls me back to let me know anything when I called he said they're refusing my to get an emergency funds because of XXXX  XXXX in Georgia last year I had a loan and I didn't get to pay them back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15 USC 1681. 


XXXX Account # XXXX has violated my rights. 

XXXX XXXX Account # XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid 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:
XXXX charged me {$5700.00} on my Bank of America Visa credit card. I disputed this charge with Bank of America, who re-charged my Visa card on XXXX XXXXXXXX XXXX {$5700.00}. I requested a credit refund slip from XXXX ' accounts manager, XXXX XXXX XXXX, who said he would love to issue a credit refund but that Bank of America has NOT paid XXXX anything and there is nothing to refund. However, this {$5700.00} amount remains on my credit card account and Bank of America wants me to pay them {$5700.00} for nothing, which is FRAUD. I have NOT received any merchandise, goods, or services from XXXX and there is NOTHING to pay for. This {$5700.00} charge needs to be REMOVED from my Bank of America Visa card bill along with any interest amounts charged to my credit card.

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 2019-09-21
Company: LoanCare, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
MY MORTGAGE CHECK HAS BEEN STOLEN BY ONE OF LOANCARES EMPLOYEES -- >ACCOUNT OF ATTEMPTED IDENTITY THEFT BY A LOANCARE EMPLOYEE -- < XXXX XXXX Acct # xxxxxxx LoanCare Mortgage Acct # xxxxxxxxx SS : xxxxxXXXX INCIDENT DESCRIPTION ; My bank -- -- issued an automatic payment check payable ( mailed ) to LoanCare , LLC ( copy attached ) in the amount of my XXXX amount due ( {$1900.00} ). The check was stamped Received XX/XX/2019. Yesterday, I received a hand-written letter from a XXXX XXXX ( XXXX ) of XXXX XXXX XXXX, XXXX, NJ XXXX. ( Relevant documents attached. ) The letter to me claimed : 1.  LoanCare LLC had written her a letter enclosing a copy of the above check ( my mortgage amount ), with the Credit to the account number ( old XXXX mortgage account number ) typed above Pay to the order of LoanCare , LLC ; 2. She said that LoanCare LLC alleged in that letter that the amount of the check had been erroneously deposited towards her mortgage which was sold over a year ago ; 3.  Because her account had a XXXX balance, LoanCare was returning the check to her ; 4. Along with my NEW LoanCare account number!!! And 5. She was being extremely conscientious about writing me about this mix up so that this mix up on their part does not cause you any added grief or stress ; and 6. She enclosed the To whom it may concern, memo she says she sent to LoanCare LLC notifying you that ( a ) Mr. -- -- -- had accidentally put the wrong loan number on the check ( a type-in number by my bank is no accident ), and ( b ) And, The representative at LoanCare LLC also asked me to include Mr. -- -- - 's loan # xxxxxx ( WHY? ) Question : Where is the physical check made out to LoanCare LLC??? 
Another question : What would be the reason for LoanCare LLC to send my check to her? 
Further : ESPECIALLY WITHOUT CASHING IT, since they evidently KNEW the new LoanCare #? 
Further : My bank noted that LoanCare had cashed my XXXX check by looking up that #!!! 
This is a ( pathetic ) attempt to steal my identity and bank information. 
I have closed the account the mortgage payment was drawn on, opened a new account, and paid my mortgage on the phone today. ( I need to get a refund for the {$15.00} phone payment fee. ) I have notified the police in XXXX, CT, of this attempted identity theft. 
LoanCare LLC needs to launch an immediate investigation of its payment processing personnel!!

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 2019-04-24
Company: Bay Area Receivables, 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: Account information incorrect

Complaint:
Below I disputed a transaction from Bay area rec. They verified the account was true without double checking to make sure they agency they were collecting for did in fact have a debt. I called the doctor in question and they found a mistake in their billing. They forwarded this information to Bay Area Rec but for some reason this is still on my credit report. 

BAY AREA REC Reported on XX/XX/XXXX {$560.00} Item Results Result : Verified As Accurate - It looks like this item is actually correct and that it's going to stay on your credit report. 

Dispute Reason Ownership : I have no knowledge of this collection account. 
Dispute Results From XXXX XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 

If you're not satisfied with these results you can go to XXXX XXXX  site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask XXXX to add an explanatory statement to your credit report. 
Want to take it offline? You can print the Request for Investigation form and mail it to the address below. 

If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact XXXX  using the address shown below. When contacting XXXX, provide your current file number : 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 2023-10-25
Company: EdFinancial Services
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
EdFinancial has been lying to me and publicly reporting false information about me. I have spoken to EdFinancial at least a dozen times over the past year about this and sent them proofs, but they refuse to do anything about it. They say they have two accounts of mine which are open with balances ; however, they do not. They are also reporting this information to the credit bureaus. During every telephone conversation I've had with EdFinancial, their representatives acknowledge that I do not any open accounts with them and that this should not be happening. They also say they will forward the information to their credit investigations department so it will be updated and that someone will call me back to confirm this. None of this ever happens. I have also disputed these accounts with XXXX, XXXX, and XXXX with hope they will resolve the situation ; however, EdFinancial just keeps telling them the accounts are open with balances. Here is the short history : EdFinancial briefly serviced my loans on behalf of the Dept of Education over a year ago ; however, both my loans were transferred to another loan servicer, XXXX ; and soon after the transfer occurred both my loans were paid off. Both XXXX and the DEPT of Education verify this, but EdFinancial refuses to update their records and correct the information on my credit reports.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: GA
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:
The credit bureaus do not respect the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2021-09-12
Company: CONGRESS COLLECTION CORP
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:
THIS IS NOT BEING SENT BY AN UNAUTHORIZED THIRD PARTY. On XXXX certified mail was sent to remove all alleged debt reported without my ( the consumers ) consent to XXXX, XXXX and XXXX who then forwarded it to Congress Collection in regards to this alleged debt. The alleged account was then closed as last reported on XX/XX/21 and the balance was reported as {$700.00}. Exhibit is attached. I am filing a complaint ; as my rights have been violated. I am also looking for monetary compensation of no less than the amount of {$5000.00} for the distress it has caused both myself and my family for but not limited to 5 FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS. 1. According to the Fair Debt Collection Practice Act I as a consumer have the right to not be violated by the communicating of any credit information that is known or should be known to be false. There is no proof nor validation of this debt. Therefore, it SHOULD be known to be false in accordance with the above. In addition, I have never been presented with any affidavit that would provide validity to neither you nor the alleged debt collectors assessment. 2. According to the Fair Debt Collection Practice Act debt collectors must not use any false nor deceptive/misleading representation. None of the alleged debts have been validated nor represented by the original creditor. And there is reason to believe these alleged debts were sold. If these alleged debts were indeed soldWhere is the proof of the alleged debtors approval? This too is a violation of consumer rights. 3. According to the Fair Debt Collection Practice Act I as a consumer have the right to privacy and my privacy has been breached. According to my credit report, there has been alleged debts published without my permission; using my name and personal information by which to do so. 4. According to the Fair Debt Collection Practice Act I as a consumer have the right to not be harassed, oppressed or abused in connection to any alleged debt. The publishing of this false information has done all of such. It has prevented me as a natural person from my rights to attain both material and physical comforts in order to safely and effectively support myself and my family. It has caused abuse by-way-of embarrassment due to the constant declination I have faced when trying to pursue this said right. It has sabotaged both my name and my creditability. 6. My social security card with its attached number would have had to be used to transact any of the alleged debts listed. Therefore, serving to be yet another violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Debt Recovery Solutions, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act Collections- Debt Recovery Solutions {$480.00} opened XXXX, Collections- XXXX XXXX XXXX XXXX said I owed them {$8900.00} open XXXX They are not the Original Owners 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, XXXX, written permission to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: BCA Financial Services, 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: Account information incorrect

Complaint:
This is my third complaint with BCA. The first two times I received response from the XXXX, XXXX XXXX. She stated this had been requested to be removed from my credit. 
I have received no documentation in regards to it being removed from their company. I have received no further communication at all. 

As of XX/XX/2021 this erroneous item remains on my credit report. 10 days after XXXX last response and it still sits there. I spoke with XXXX  on Friday, XX/XX/2021 in regards to this account and they have received no request to remove this. In fact, the last update they received from BCA was in XXXXXXXX XXXX. I can not dispute this item due to going through the mortgage process so I kindly ask you again, please remove immediately. 

With that being said, I am filing a third and final complaint, and will also follow up with a letter in the mail. This account does not belong to me and it is affecting my credit. I am in the process of purchasing a home and because of this item my score is lower, therefore my interest rate is lower. If this is not corrected immediately I will have to take legal action. I do believe there is also a fine that is incurred for {$1000.00} per line item on each report. 

I have been fighting this for over XXXX  months now and I wish to resolve this and move on. I have included, again, a screen shot of where this shows up on my credit. 

In case you need verification - the account number you have listed is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Newport Intermediate Inc.
State: PA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have a card labeled reward card {$270.00} This card was misplaced and has expired when I go to the website of the issuer I states the card is expired and. It eligible for replacement. There is no one XXXX help or inquiry method other than an automated help section. I have no method to Apeal nor a way to see why the balance was at the time of expectation. 

The company is prepaid digital solutions The website is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: EQUIFAX, INC.
State: GA
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:
My information was leaked in the Equifax data breach, I have multiple unauthorized inquiries on my Equifax report that I have been requesting to get removed. These inquiries are fraudulent. I have followed all the necessary steps according to the Equifax website and the identity theft.gov. Made a police/identity theft report, sent in proof of identity by mail, etc. Equifax refuses to comply with the law and initiate a thorough investigation on my credit profile. I have sent in multiple letters with supporting documents and proof. I spoke to an Equifax rep over the phone and he says that they haven't received any letters since XXXX of XXXX. My letter ( s ) regarding this matter, was sent in XXXX and in XX/XX/XXXX. It is the end of XXXX and I still have not received no update or notification of an investigation. This is unacceptable, and it is effecting my credit worthiness in the middle of a pandemic. I demand that you delete these inquiries at once!

Company response to consumer: Closed with explanation