BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-08
Company: EdFinancial Services
State: ID
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 finished my college education in XX/XX/2023. Before my college education was finished, I started to pay my loans off early using EdFinancial, which at the time was their website. I was looking to get some of my loans paid off early to help decrease my total loans to make the interest payments lower ; as well as to get a head start on my loans before due payments started. My total starting loan amount was {$16000.00} I made XXXX payments of {$400.00} each on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have receipts of these payments and all the transactions. The {$1200.00} total of payments was shown as processed and received on this website and it decreased my total debt to the amount of {$15000.00}. The website at the time showed this number as my debt, and everything was processed. 

And then .... EdFiancial changed its website to a new processing system, and everything was supposed to be transferred over to this new website. I made my account on this new website and when I logged in, these XXXX {$400.00} payments were not shown up on my account, nor was my total debt showing the new total with these payments processed. It states that I have my original debt amount with no history of payments. 

I reached out to EdFinancial and the customer service gave me no guidance, no answers, and no concrete information. They told me to " wait a few weeks '' and it should come in. It has been over 2 months now and the debt totals have not been updated. 

I called again to ask about this and they gave me the same answer. I demanded that I needed to know when my {$1200.00} would be updated in my new account and they would not give me any information. I asked if I could show my receipts and get refunds for these payments and they advised me to not, as that process could take even longer than the payments to be updated in their new system. Now, it has been communicated that their original website will be closing at the end of the month and my history of payments is nowhere to be found. 

I tried calling today and I was put on a " call back list '' where they stated they would call me 30 minutes later. It has been 5 hours and I have not received a call back from them. 

Overall, my payments are still missing on their new site, and I have gotten no information on any updates, and nothing has gotten done for my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 ask you to check the information in my profile because I can not understand why I have this unknown account. As far as I remember I have never had something like this in my credit report. So it appeared recently and I do not recognize this account. Well could you please check and validate this info?

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 2022-10-13
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:
The XXXX XXXX account number XXXX. I have disputed this account previously. It was proven to not be my account. This account is reporting negative information about me monthly through XXXX and Equifax. Which is inaccurate, unverifiable, invalid. It was last reported on XXXX XX/XX/XXXX, when in fact the credit report shows it has an last active date was XX/XX/XXXX. It was last reported on Equifax XX/XX/XXXX, when in fact the credit report shows it has an last active date was XX/XX/XXXX. There can only be XXXX last reported date and one active date which violates XXXX XXXX Code 1681e ( b ) Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the consumer to whom the credit report relates. XXXX has no record of this account. The credit reports that I have provided prove that this information is inaccurate and incomplete. Please remove this account from my report immediately. Thanks for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions 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:
XXXX XXXX ending in XXXX is reporting as open on my experian credit report when the account is closed. I disputed the status error mutiple times with experian with no fair resolution. attached is documentation showing all XXXX XXXX credit card accounts have been closed. I want this account status updated immediately and experian to show proof of method of verification on there part.

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 2023-05-08
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:
On XXXX of XXXX I noticed on my credit report that there are inaccurate information reported such as credit card accounts opened in my name without my permission

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 2023-02-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$15.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$75.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$110.00} XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-13
Company: EQUIFAX, INC.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
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: Reporting company used your report improperly

Complaint:
Improper use of my consumer report. 
They are reporting late payments and that is against consumer law

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 2023-02-02
Company: TRUSTMARK CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I file bankruptcy XXXX XXXX. I was discharged of the debt. I called TRUSTMARK Bank to remove it it has not been removed. It's hurting my credit and I can't a home loan or bank 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 2023-08-08
Company: AMERIS BANCORP
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023 I submitted a {$500.00} transaction through Ameris Bank for attorney services. However, I requested the {$500.00} refund due to services not rendered and no attorney client contract was signed. I also requested that he let the courts know that he is not my attorney. He sent me an email stating he never submitted any paperwork to the courts for my representation. After submitting evidence of the emails regarding the refund to the Ameris bank via XXXX XXXX. The XXXX letter on XX/XX/2023 stated they would reverse the {$500.00} provisional credit out of my account on XX/XX/2023. 

The attorney stated the money never went into his account on XX/XX/2023. I wrote a letter with facts and evidence attached on XX/XX/2023 in regards to the error letter Ameris Bank wrote me on XX/XX/2023 to reverse the provisional credit out of my account. Letting them know I am due the {$500.00} refund because the attorney never represented me and attorney services was never rendered. 

On XX/XX/2023 I submitted all facts and evidence to XXXX XXXX via email Ameris Bank Representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
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:
On XX/XX/XXXX I purchased a hotel room through XXXX for {$690.00} for a quadruple room for 4 people at the XXXX XXXX XXXX XXXXn FL. Once i received my confirmation email I was booked for an private owner condo. 
I contacted the hotel number that was provided and found out that this was a XXXX XXXX XXXX XXXX and the owner did not have a room that can fit 4 people and does not list any rooms with zenhotels, doesnt even recognize the company. 
i contacted XXXX and emailed screenshots with the descrpency between what was booked and what was on the confirmation page. They recognized the mistake but stated that the room was non-refundable and that they would need to investigate to determine how to resolve the issue and could not refund me at that time. 
i then contacted my credit card company HSBC and disputed the charge, they initially refunded the money back to me but then charged it back due to the charge not being considered fraud.i then enetered another dispute and listed as billing error and provided the company with multiple emails. 
XXXX XXXX eventually agreed that i should be given a refund but stated that i would have to wait for my bank to grant the chargeback.Email provided. 
Since then HSBC has stated that XXXX  has confirm the charge by providing my information ( duh since i made the charge ) and has granted XXXX the phone without looking at my proof of billing error. 
They have also charged me an additional {$690.00} on XX/XX/XXXX for the same charge. I know have almost {$1300.00} worht of charges from the one merchant for something that i did not book as well as did not use. 
No one from HSBC dispute department has given me a call or email me back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, 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:
I have no knowledge of the creation or use of these accounts. I never gave permission for these accounts to be opened. However, these accounts are on my credit report and have been harming my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Requested an Amortization statement to understand what I'm being charged each month with principal & interest because each time I make monthly payment the amount I owe increases instead of decreasing. I have always made my monthly payments on time or earlier than the due date. Informed by a woman in Capital One ( XXXX # XXXX ) that they don't have Amortization statements because there's is a per diem structure they use in the form of a Simple Interest Loan and they don't handle that type of document. I wasn't aware of that and asked where that was on the Retail Contract since that is supposed to be the legal document. 

Balance prior to last payment was around {$11000.00} and after making a payment of {$400.00} the balance jumped up to {$11000.00}, and I couldn't understand how that could be since I just made a payment. 

I tried to understand why my Retail Contract charged me such a high APR of 14.84 % since I had a credit score of XXXX back in XX/XX/2020 when I applied for the loan. Capital One informed it wasn't them but the dealer who charged me that much. Asked if Capital One should bear any responsibility since they are the ones providing the lending and informed they don't. 

Asked XXXX from Capital One what my remaining principal is, and she indicated she could not provide me with an answer but could only tell me what I owe. 

Feel frustrated and anxious because I can't understand why I'm being treated this way and not helping me to understand what and why this is occurring. I went through two different people in two different departments and they weren't willing or able to provide me with any answers. XXXX mentioned the " Back Office Dept '' is responsible for providing documentation but isn 's it all Capital One Bank? Why am I feeling like I'm speaking with more than one company? 

] XXXX indicated I signed the agreement and that makes it legal.I asked her shouldn't the terms have been explained to me, and she insisted since I signed the agreement it is all legal. 

The bottom line is I feel like I was swindled and there was not full disclosure and now I'm suffering with paying much more than I had anticipated for the car because instead of the balance going down it's moving in the reverse. They are charging me the loan, interest, and a {$4.00} a day for " WHAT! '' This is highway robbery at it's best!!! 

I believe that this is illegal and I need help! I can't keep this up much longer and I won't EVER be free of this loan! They " Capital One Car Finance '' went online and froze the option to open up the account where you could clearly see the {$4.00} a day charge

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: LJ Ross Associates
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XXXX of XXXX I noticed a collection account on my credit bureau. I sent a letter to validate the debt to the collection company.I received a postcard back from LJ Ross stating the original creditor name and the date of service of XX/XX/XXXX, they stated the included an itemized statement, but there was no itemized statement. I tried to contact the original creditor and they stated they dont have any information, that I had to deal with LJ Ross . 

That all being said, I have XXXX LJ Ross directly, a handful of times. The most recent call was today XX/XX/XXXX, I spoke with a representative and they were very rude and said they dont have any information or history or agreement with my signature that they can send me to prove what they are trying to collect. She said she was not going to argue with me that I owe the alleged debt and I asked for a supervisor. The supervisor was even more rude, basically stated that she isn't going to go back and forth, and she stated that the balanced is owed and they are not sending me any information and she hung up on me. 

They are violating FCRA and FDCPA laws and if they are reporting an alleged debt on my credit report and they cant provide any proof that I owe this debt, it needs to be removed and all collections need to cease. 

Ive attached my letter I sent them as well as the response they sent me,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Experian has failed to provide me the XXXX of XXXX from a previous dispute that I submitted in XXXX within 15 days of my request per the FCRA. They verified the enclosed listed accounts in XXXX from my XXXX dispute and I requested the method of verification and they have yet to provide me the method of verification per the FCRA 611 ( a ) ( 6 ) and ( 7 ). Provide the true method of verification and not a boilerplate response or DELETE the inaccurate and unverified accounts

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 2023-06-14
Company: EQUIFAX, INC.
State: MN
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:
Hello, I am contacting you, because it shows on my reports that there are some nonfactual negative items on my account. I contacted XXXX and they removed them right away, because they weren't supposed to be there in the first place. I am reaching out asking you to do the same. 

Negative account XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16
Company: Bread Financial 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: CITIBANK, N.A.
State: IL
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:
I booked the hotel in XXXX, FL called XXXX XXXX XXXX through XXXX with Citi Bank credit card for the stay XXXX XXXX XXXX XXXX. Something came up here and there so we thought about delaying our vacation. We contacted XXXX/booking and they said they would cancel our reservation, and they email to tell the hotel to waive the cancelation fee and gave us full refund so we can book again for the later day. At that time i think it was normal because of covid policy maybe still in effect so i went ahead cancel my reservation on Wed XX/XX/2021. Next day i contacted the hotel XXXX XXXX XXXX, what they said was completelt different, they refused to give me the refund since i canceled in 3 days window or whatever, my cancelation fee is the whole charge of my stay XXXX XXXX I was very shocked, I then tell them that wasnt what XXXX said, i even worked with them by asking can you give me some credit so i can rebook in the future but they said no, the whole charge is the cancelation fee ( that i dont even know about ). Finally, i told them its ok can you just give me my room back, i will find something to do in XXXX then ... and guess what? they even denied to give me original room back also. They just robbed my XXXX $ right at me. I got hopeless and contact Citibank credit card, filed a dispute for the service that i never received. After investigating, Citi bank make me responsible for the charge, Citi bank dont even ask me for any evidence or document on my side, i feel like as long as the merchant respond to them, even the blank paper, then they reserve their temporary credit and left me hanging. Im still in shock for what happened. Citi bank supposed to protect their customers, I got denied to accomondate by the hotel, got charge {$730.00} for it. I never stayed at the hotel and Citibank just sit there and watch XXXX XXXX XXXX rob their customers. 
Im so XXXX. Can someone help me?

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