BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-09
Company: EdFinancial Services
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loan that was serviced by EdFinancial was turned over to collections due to defaulting on my loan payments. EdFinancial stated they received a mail return on a statement in XX/XX/XXXX, although I have resided at this address for 3 years and have experienced no issue with receiving my mail. EdFinancial then updated my address to the physical address of the school I was attending. EdFinancial sent all my correspondence to the school and the school did not contact me or forward my mail. My phone number was available to EdFinancial and I also have a log-in on the portal. EdFinancial did not call me or notify me on the portal about my loans defaulting. I received a notice in my portal in XX/XX/XXXX that my loans would be due in XX/XX/2019 and my first payment would be due at this time as well. I was ready to pay this and then EdFinancial claims XXXX provided information that I never attended school so they stated my loans were not eligible for payments and would be due immediately in full. This change occurred in XX/XX/2019 yet I received a notice in XX/XX/XXXX about my loan being fine and getting ready for my first payment due. When I asked about this they simply stated they could not stop the automatic correspondence. So after spending literally hours on the phone with XXXX and EdFinancial I was able to ascertain that EdFinancial is the one that updated my address and failed to notify me and they refuse to help me with this issue and keep saying that I defaulted, which I had no idea about. I have asked for a supervisor to call me from EdFinancial and they tell me this will take 48 - 72 hours. I called this morning and EdFinancial stated they called me on Friday ( XX/XX/2019 ) but I have no missed calls or messages on my phone. I feel like EdFinancial is so unwilling to be responsible for their actions and how they did not notify me or give me the opportunity to repay my loans. HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
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: Investigation took more than 30 days

Complaint:
I sent in and on XX/XX/2022 and received no response. I then sent a 30 day ask to comply, and still nothing.

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 2020-02-27
Company: TRANSUNION INTERMEDIATE 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: Their investigation did not fix an error on your report

Complaint:
XXXX, Transunion, and XXXX  are all reporting an account that is incorrect and has been for afew years now.. They all refuse to provide proof the account is mine and was 30 days late. the account in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Phone XXXX account # XXXX They are reporting 30days late on XX/XX/XXXX.. When contacting XXXX they have no record of this account. also number listed above as a contact is disconnected. 
I have disputed this account on XX/XX/XXXX and XX/XX/XXXX and once again the didn't do anything or provide any proof this account is accurate.. I now am demanding all three credit bureaus remove this account unless they can provide written proof this account is mine and I was in fact late. Otherwise I will be forced to pursue further legal action since this account negatively affects me getting another house.

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 2019-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a promotion from CapitalOne for a zero-interest balance transfer to my CapitalOne card. On XX/XX/XXXX, I transferred {$4800.00} from a XXXX card to the CapitalOne card. CapitalOne shows the transfer in my account on their website. Notwithstanding the no-interest promotion come-on, on XX/XX/XXXX, my account was charged {$63.00} of interest. On XX/XX/XXXX, I spoke to " XXXX, i.d . # XXXX, in Virginia '' at XXXX, the phone number on the back of my CapitalOne card. She assured me that CapitalOne was aware of the problem and was fixing it. It has now been almost a month since that call and over two months since the balance transfer but the interest charge has not been reversed. I expect to have another interest charge assessed to my account on or about XX/XX/XXXX. I believe that if the company truly wanted to fix this problem, it could have done so already.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: MA
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: Their investigation did not fix an error on your report

Complaint:
I am writing to report and dispute inaccurate information on my credit report with Experian. On XX/XX/XXXX, I contacted Experian regarding the following incorrect information on my credit report, and as of the current date, I have not received any response from them. I am providing the details of the inaccurate information and the required corrections below : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$100.00} Issue : This account has never been late. Please correct/update this inaccurate information on my credit report. 


Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$580.00} Issue : This account does not belong to me. Please remove it 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 2020-02-27
Company: MIDFIRST BANK
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage expert told me to file a complaint with the CFPB because they will not give me a specific person who handles my account and they keep asking for the same information over and over again so they can stall and take my home from me. 

Midland Mortgage, XXXX XXXX XXXX XXXX OK XXXX Loan # 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 2020-02-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian is refusing to unfreeze my credit report. When I contact them they state I need a pin number but won't tell me how to get the pin number. When I asked them who I would file a complaint with they just hung up on me. This happened repeatedly.

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 2017-03-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Yes. I sent certified letters that got no response nor action taking by the company

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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXXXXXX XXXX XXXX XXXX XXXX : - XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX  XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX XXXX XXXX : {$2700.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX Balance : {$8800.00} XXXX  XXXX Inquired on XXXX XXXX, 2023

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 2021-10-27
Company: Sunbit, Inc.
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:
On XX/XX/XXXX I made a {$230.00} payment to SUNBIT and it was to pay it off in full and it never was added to the account and I made purchase after that and I looked at the amount due on the XXXX of XXXX and the rep said I should not be able to pay XXXX dollars it should be {$100.00} total payoff and I made purchase on the XXXX of XXXX and it said I still owed the same amount and I frauded a charge out they close the account and never issued the amount back after they closed the card and issued another one and I added all up the transaction today XX/XX/XXXX and I should only owe {$250.00} not {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I have had a credit card with Citi Bank for 3 to 5 years now. About 3 or 4 weeks ago I received a non-discript credit card in the mail from Citi Bank that WAS NOT the current card that I used. I did not submit a request for a card, I did not fill out an application for a card, I did not want another card. My credit score around that time was XXXX. I did not activate the card, there was no explanation as to why I had the card, and I didn't want it if it was a new card. 

On Friday XX/XX/XXXX I received the following : To activate your Citi credit card txt the last 4 digits of your card within XXXX. Txt HELP for info, reply STOP to opt out. Msg & Data Rates May Apply Afraid that my account was going to be closed I texted the number, shredded my current card thinking this was a replacement, and started using the new card. I now have 2! Credit cards through Citi Bank because they created a new account without my consent and tricked me into opening it via text message.

I just called them today and attempted to get clarification. The woman on the phone was very hard to understand, had a very bad connection, and sounded like she was talking to me through a tunnel. When I asked her if my old Double Cash account was being closed she said " it depends on you and how you use the account. '' Not a straight answer but it does tell me that this account is not slated for closure. She also informed me that I had set up a security code which I had not. When I told her that I wanted the new account closed she told me that if I did that my current charges would not process. This was a VERY unhelpful phone conversation that wasted a LOT of my time.

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 2020-02-27
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive been pretty consistent with paying my bills on time. Im saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see some items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I am doing this on my own and I have also contacted my police here and the FTC.

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 2022-09-13
Company: EdFinancial Services
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I requested a refund for the payments I made during the pandemic since I am eligible for the one-time {$20000.00} loan forgiveness. I made this request on XX/XX/2022, in the amount of {$4900.00}. The lady I spoke with that day stated they do NOT provide confirmation numbers/emails for the refund requests. I basically have to have faith that the request was made but have no proof of said request. 

So, I talked to two representatives today ( XX/XX/2022 ) to confirm that the request was made and to find out how long it will take. The two representatives that I talked to were less than helpful. They were able to tell me the refund request date as well as the amount, but would NOT tell me how long it would take to process the refund. The first representative, XXXX, just said that it is processed according to the Department of Education 's timeline but could not provide that timeline. The second representative, XXXX, told me " We do not have a timeframe. '' How do you not have a timeframe? 

The lack of transparency with this company is very alarming and completely unacceptable. Every time I speak to someone they tell me something different and now no one has any answers about the refund processing times. As a service provider, you should be able to at least give an estimated timeframe for the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian, XXXX, and XXXX  are all reporting an account that is incorrect and has been for afew years now.. They all refuse to provide proof the account is mine and was 30 days late. the account in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Phone XXXX account # XXXX They are reporting 30days late on XX/XX/XXXX.. When contacting XXXX they have no record of this account. also number listed above as a contact is disconnected. 
I have disputed this account on XX/XX/XXXX and XX/XX/XXXX and once again the didn't do anything or provide any proof this account is accurate.. I now am demanding all three credit bureaus remove this account unless they can provide written proof this account is mine and I was in fact late. Otherwise I will be forced to pursue further legal action since this account negatively affects me getting another house.

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 2022-01-12
Company: EQUIFAX, INC.
State: TX
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit 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:
These charges listed below on my bill have been contested : $ XXXX-charged on my debit card-never showed on the account.

$ XXXX-charged on my Lowes account-no explanation $ XXXX-added for my fence after it was in progress $ XXXX-my estimate for roofing materials-could be more, could be less {$1800.00} more or less is the amount I contested.

We talked with a manager right after the work was complete in XX/XX/2019 and I had questions about the charges and my roofing materials. I gave him pictures and detailed information. He said someone would be in contact with us soon. That never happened.

I paid everything else I owed in XX/XX/XXXX plus {$300.00} and sent in a complaint through Synchrony Bank. They said I needed to go to the store. That did not address my concerns as I had already notified the store Synchrony bank continued to add fees and interest throughout and reporting delinquency to credit reporting agencies in violation of the Fair Credit Reporting Act.

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 2022-01-12
Company: CITIZENS FINANCIAL GROUP, INC.
State: ND
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Citizen 's Bank recently merged online mortgage and banking systems which resulted in deletion of established online customer mortgage accounts. Customers attempting to login with established credentials to view mortgage information and make payments are unable to login due to account deletion. I called Citizen 's customer service on XX/XX/2022 and they confirmed the issue was driving very high call volumes. I advised that I had not received any email or other communication from Citizen 's regarding an account deletion problem and how to resolve the problem. A complaint was filed directly with Citizen 's. I am filing this complaint with CFPB because of concerns that thousands of customers are at risk of missing their mortgage payment deadline because of the inability to access their online account which was deleted by a Citizen 's Bank process failure. In the end, I had to re-register for an account in order to view my mortgage and make payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: Herbert P. Sears Co., Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been working directly with the company that this debt originated from. Also when I spoke with the original debt they informed me that this company has no right to contact me on behalf of them because I do not owe the collection agency I owe them directly. Now they are reporting to my credit reports and I am not happy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: GOLDMAN SACHS BANK USA
State: MD
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:
Dear CFPB, I have Apple Credit Card which is managed by Goldman Sachs. This year, several times I sent payment for my balance due, well before the due date. My Bank confirmed that check was sent several days before due date. For no reason, I was charged almost {$330.00} in fees this year. As an example I have attached payment that was sent and was delivered to Goldman on XX/XX/XXXX. Today is XX/XX/XXXX, they still have not processed my check. AND, they have been charging me unfair fees! Shouldn't they fix their process? This probably true for millions of accounts. All these fees are not fair. If payment was delivered before or on due date, then there should be no charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: GA
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:
I called and disputed online to all three credit bureaus about unauthorized credit inquires on my credit report. The bureaus refuse to rectify the matter. 

The policy states that this is only permissible for the purpose only for a. firm offer of credit b. Insurance c. a court order d. employment On my report none of theses inquiries fit the above purpose. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/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 2021-11-12
Company: Nelnet, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing 6 fraudulent Accts on my XXXX credit report for 3 years. Below are name and amount of accts. 

Dept of Ed/Nelnet {$3000.00} Dept of Ed/Nelnet {$1400.00} Dept of Ed/Nelnet {$4300.00} Dept of Ed/Nelnet {$8400.00} Dept of Ed/Nelnet {$4600.00} Dept of Ed/Nelnet {$10000.00} I have sent notarized letter to Nelnet , copy of SScard, picture of ID so they could analyze my signature, Police report to XXXX and Nelnet to prove Identity theft and these accts still remain . These accts are NOT mines please remove.

Company response to consumer: Closed with explanation