BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-04
Company: AES/PHEAA
State: MS
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 am currently paying student loan payments through FedLoan Servicing. I am applying for public service loan forgiveness. I have have direct federal loans. I initially had student loans through XXXX XXXX. When I submitted my employment certification form, my student loan servicer changed from XXXX XXXX to FedLoan servicing. Fed Loan has only counted my student loan payments paid through their company toward my PSLF. Despite, having 4 years of prior payments that would count toward PSLF made with XXXX XXXX. I have called several times to have my qualifying payment counts corrected. However, it has been well over a year and FedLoan has yet to update my payment count.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: Consumer Portfolio Services, Inc.
State: OH
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 second dispute notice and as I was going over my credit report once again I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, CONSUMER PORTFOLIO SVCS, INC # 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 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, WI XXXX has been sending me collection notices in the amount of {$620.00} and the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

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 2017-08-08
Company: Experian Information Solutions Inc.
State: NY
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 have disputed this XXXX account in collections for the amount of {$2100.00}. XXXX allowed changes to be made to my account fraudulently and without my knowledge or permission. These changes caused me to incur {$2100.00} in fees early termination, equipment and so on. I called in XXXX2015 and they said they would be removed and my account closed and the responsible party would be handled accordingly. I just noticed it reporting negatively XXXX is now saying it was placed in collections and is no longer with them. According to the law I am not responsible for this debt. XXXX says its on the collection company and credit bureaus to remove. I have no contract with XXXX who is currently holding this debt.

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 2020-07-06
Company: Radius Global Solutions LLC
State: VT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I shopped with XXXX one day and the salesperson asked me to apply for a credit card with them but I have never received a credit card from the company. I can't remember the date I shopped with XXXXXXXX XXXX and the stuff I shopped with is about {$20.00} the most. I did not receive any credit card billing statements and so I do not know how I suppose to pay the {$20.00} credit. 
I attached a copy of the letter that I received from Radius Global Solutions. The letter says the XXXX XXXX XXXX XXXX authorized Radius Global Solutions to collet this debt on their behalf.

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 2020-10-24
Company: EQUIFAX, INC.
State: NC
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:
Each inquiry, XXXX XXXX XXXX XXXX ; Bankruptcy, ( which is also being reporting incorrectly - wrong case number ) were disputed on XX/XX/18 and I have yet to receive responses back from any credit bureau or notification. Per the FCRA these items are to be deleted immediately. The 30+ days has passed. I kept a very detailed log of when these letters were sent out to each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Global Payments Check Services, 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:
My name is XXXX ( XXXX ) XXXX, which is a very common name. The issue is this account is being reported to XXXX, XXXX and XXXX as delinquent and this reporting is negatively affecting my credit scores and preventing me from securing a mortgage loan to purchase a home.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
TRANSUNION AND XXXX XXXX FAILED TO REMOVE ALL INNACURATE INFORMATION FROM MY CREDIT REPORT. XXXX XXXX IS STILL REPORTING FALSE AND FRAUDULENT INFORMATION AND TRANSUNION IS ALLOWING IT. DESPITE ALL PROOF PROVIDED THEY ARE NOT PERFORMING A COMPLETE INDEPENDENT INVESTIGATION AS THEY ARE REQUIRED BY LAW. I DEMAND A REMOVAL OF THE XXXX XXXX ACCOUNT AS THE COMPANY KEEPS REPORTING THIS ACCOUNT ON MY CREDIT FRAUDULENTLY AND TRANSUNION IS ALLOWING THIS FRAUDULENT REPORTING TO CONTINUE. 

The FCRA requires a credit reporting agency to go beyond its original sources of credit information when reinvestigating inaccuracies in a credit report after the consumer informs the agency of those inaccuracies. Based on that, a generic, electronic investigation is not satisfactory when looking at my case specifically. 

ALSO STOP REPORTING 4 AND 5 CHARGE OFFS WHEN THE ACCOUNT CAN ONLY BE CHARGED OFF ONE TIME!!!! REMOVE ALL INNACURATE INFORMATION FROM MY CREDIT REPORT

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 2020-10-24
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Comenity bank lowered credit limit from XXXX to XXXX. This was on XXXX XXXX when I tried using card and said was suspended. Didnt rec bill for XXXX when bal was XXXX. Said they got credit report and it had changed since I got card. That is incorrect. When I asked for information why wasnt notified or agreement doesnt have that information. This caused my utilization to change and my XXXXredit score lower 4 points. Rep wasnt able to answer why to any questions. Bill has always paid on time and some months no balance. XXXX XXXX has Rewards program and lowering credit limit automatically disqualify me from taking advantage of Rewards and that is discrimination. No letter or email notifying me of any changes. Changing credit limit to XXXX and I charged XXXX before it was lowered is what made marks against my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: DISCOVER BANK
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I filed a complaint with your office Case # XXXX. 

The case was closed due to the company responding. 

In their response letter they said if I had any further questions that I could contact : XXXX XXXX, Executive Office of Customer Advocacy, at XXXX. 

I left her two messages on her recording within the past two weeks and have yet to receive a return call. 

I feel Discover is using unfair loan practices in my case and are avoiding to return my calls. 

I would hope that perhaps this office can persuade a call back from her or any other Discover person in the Executive Office of Customer Advocacy. 

I know this office can not act directly on my behalf but I do feel it could further review their practice and determine if they are practicing unfair loan practices by referring to the practices I explained in my complaint. 

There explanation of my daughter 's debt to earnings ratio being to high at 22 % seems to be ridiculous. 

Or even better if they deem a lender that is not eligible to qualify to refinance and lower their rate is refused a cosigner? 

If they're truly concern is her inability to repay a loan why would they not want to accept a co-signer which gives the financial institution a greater protection on their loan? 

Perhaps because they know that the refinance would reduce their interest earnings. 

Sounds like an unfair loan practice that again should be looked into by the CFPB oppose to letting the financial institution continue oversee itself when their response makes no sense. 

Student Loans have a very high delinquency rate and financial institutions should treat those borrowers that are paying in a more fair or perhaps more legal loan practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I got a notice on XX/XX/2020, supposedly from Goldman Sachs, that an Apple credit card in my name and address, had a balance and asking me to settle the balance. 
I informed the Goldman Sachs Apple Card Specialist at XXXX that I had never had an Apple credit card, although I have been using XXXX devices for many years, and that in all probability my Apple ID must have been hijacked. 
The analyst wanted my date of birth and contact information which I provided but I declined to give the last 4 digits of my social security number since I was not altogether sure that this wasn't some sort of scam by an adversary of the United States, where I am a citizen. 
I have since changed my Apple ID password to be even stronger than before but I am perturbed that XXXX and Goldman Sachs do not utilize verification mechanisms such as two step authentication before allowing such credit transactions to go through. 
This hole in the secure use of apple credit cards at merchants is very disturbing. 
I have made a written complaint to the FTC but am also entering it here so that action can be taken to prevent innocent uses of XXXX mobile devices from having to pay for transactions that they are not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX 2017, I requested assistance of my current mortgage servicer Capital One, after complete a full Request for a Loan Modification Package with my HUD Certified Housing Counselor, including evidence of my hardship as the XXXX XXXX illness of my daughter and my reduced income as a XXXX XXXX, my mortgage servicer, requested so many times, so much more information, including almost daily phone calls even they already had all explanations why I had fall behind on my mortgage payments. Trying to act responsibly, I been sending during this last 8 months as much money as I can from my XXXX XXXX XXXX ( I am XXXX years old ) and my activity as a XXXX XXXX ; reason why, until today I am only two months behind on my payments. However, my commitment and responsibility never were accomplished by Capital One, this week, they denied my request for a Loan Modification and instead only offered me the option of Short Sale or Deed in Lieu of my property. NO REASONS OF DENIED WERE STATED. In addition, this case in the opinion of my housing counselor has some weird facts, like a letter received from Capital One, where they referred to my ownership rights ( this letter was immediately responded by my counselor, stating that I never had or have the intention to transfer my home ownership rights. Also, there have been several questions initiated in a persisting way from Capital One, Account Manager, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX. XXXX ) in regards my race and nationality, still I ask myself if that is an important piece for a mortgage decision??? XXXX XXXX XXXX from Capital One, never respond the many phone calls made by my housing counselor. Today, a complaint was initiated with XXXX XXXX, my mortgage investor in regards of this unfair procedure of my mortgage servicer. My housing counselor and I consider that a loan modification approval is a common sense decision, that my current finances evidence my hardship, but at the same time allows me to stay on my property if my case receives a fair review. This is why I am asking for ... ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I mailed a request to XXXX, XXXX  and Transunion to remove the fraud alert on my account. The letters were received on XX/XX/2020 ( see attached receipts ) As of today I still see the alert on my report on all 3 bureaus.

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 2021-04-29
Company: Atlanticus Services Corporation
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: Account information incorrect

Complaint:
I was told by the companies on XX/XX/2020 if I paid the following accounts off to a zero balance the companies paid, would remove it completely off my credit report. The companies are still reporting my account to the credit reporting agencies. XXXX XXXX XXXX, XXXX It has ruined my chance at purchasing a home and a place to live for my family. I would like the accounts removed from my credit report as promised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My car was reprocessed in XX/XX/2018 by Credit Acceptance Corporation and the account was closed. Balance then was around XXXX now it is XXXX Now this year they just started to add interest monthly on the remaining balance, They car was sold at Auction XX/XX/2018. How can they charge interest now on a car i do not have and keep reporting it to my credit on a closed account? I have called them because the police cam to my house saying they located the car in XXXX NC and that it was stolen. I explained i no longer owned that car it was reprocessed. I called Credit acceptance and they said the car was sold at auction over a year ago, but they cant do anything if the buyer did not put the car in their name. All they could do was provide me with a letter saying the car was not mine. After that call i began to see them reporting to my credit. With fees

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
They sent me a letter saying that they gave me a loan modification for XX/XX/XXXX which would allow me to skip XX/XX/XXXX payment. Now they are trying to change it to a 90 day forbearance That is not what I agreed to. I want them to honor the initial agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Today XX/XX/2019. I called Equifax to make credit disputes. Because I could not login to my account. They said I could not log into my account because theyre having verification issues so they escalated my account into investigation. I asked to speak with the supervisor. She said that they are having technical issues. And that I can not access my account for an indefinite amount of time. She said there is no time frame for me having accessing to my account. Her name was XXXX. Anyway. Earlier today I even tried to reset my password and successfully did so. But was still unable to log in. Equifax is violating section 609. I am unable to see and verify my credit report. Nor can I properly dispute because I have no access to a report. I would like access to my account and my incorrect reported information fixed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Experian Information Solutions Inc.
State: NY
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:
My Experian report shows an account with XXXX XXXX that I simply do not own. I became aware of this around XX/XX/2021. 

I called XXXX XXXX to report the problem, initially thinking that this was a fraudulent account opened with my social security information. They then reported there is no account registered to anyone with my social security number. 

I followed up by checking other reports - from XXXX  and XXXX. None of which show this account, so clearly this is a problem with Experian 's report. 

I called Experian twice to register a dispute. Once, thinking it was a fraudulent account, and then later after I had talked to XXXX XXXX directly. The dispute went on for a couple of weeks, and when finally " resolved '' on XX/XX/2021, did not change anything on the report. 

This is obviously frustrating, as I took all possible steps I could, and Experian never reached out with a satisfying resolution or to follow up.

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 2020-09-03
Company: U.S. BANCORP
State: ME
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2020 I attempted to withdraw {$500.00} from my US Bank XXXX in which my child support is loaded onto. The ATM at XXXX XXXX  in XXXX misdispensed and did not give me the {$500.00}. I contacted XXXX to inform them of the error and they confirmed the money was taking from my account and they would need to open a dispute. I contacted XXXX XXXX  after and they said they could not provide me the information and to call XXXX. I contacted XXXX again around the first week of XXXX and they informed me that after 10 business days if they have not completed the investigation they would apply a {$500.00} provisional credit. On XX/XX/2020 I received the provisional credit on my card and used the funds. On XX/XX/2020 XXXX  took the {$500.00} provisional credit back and stated in their investigation did not go in my favor and to call XXXX XXXX. I have now spoke with XXXX XXXX  and its manager who all have confirmed it was an ATM misdispense and they sent the money back to US Bank XXXX with a claim number of XXXX. XXXX   continues to open disputes and close them saying the same results that it did not come in my favor and there was no ATM error. I have verification from the bank in writing showing proof the sent the money to XXXX. I have the letter still. Please call me 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 2019-10-28
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Experian has a portal to upload proof of documentation for your disputes. The website does not allow you to actually load anything. It freezes, reloads, freezes again, and then says that the website has timed out. I believe that this is done so that low-income people are unable to follow through with legitimate disputes on their credit reports. Sending certified mail for some, is extremely expensive. This is an access to justice AND an ADA complaint.

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 2020-05-26
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My wife and I both have accounts with synchrony bank. Both my wife and My score has gone down in recent months to the mid 500s. We have been synchrony bank customers for a few year now and have never missed a payment on our cards. Now over the curse of the las t couples of month they have literly closed most of our account really throwing bad negatives on our credit report.

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