BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: AES/PHEAA
State: TX
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 called FedLoanServicing to request refunds for payments I made during the federal payment pause. I am eligible to receive refunds due to federal law. 

The loan agent I spoke with denied my request 4-5 times over the span of more than 2 hours. I informed her that I am in fact eligible and she denied that I was. She had me wait on hold multiple times, for several minutes at a time. The last hold she had me wait on was over 40 minutes and continued into their closing time. I hung up and called back and could not reach an agent because they were closed. I believe she intentionally left me on hold for this long into closing time so she would no longer have to speak with me. 

I called again on XX/XX/22. The first agent I spoke with denied my request and transferred me to his supervisor. I waited on hold for over 20 minutes and decided to hang up and call back. 

This time, the agent I spoke with was very kind and processed my request. She told me I can expect a refund as early as XX/XX/22 and that my closed accounts would be reinstated according to amount refunded. I thanked her. 

I called on XX/XX/22 to request an update on the status of my refund. The first agent I spoke with stated she could provide no update or any additional details other than a request has been received and it may take 30-45 days to receive a refund. I requested to speak to a supervisor.

When the supervisor answered she asked if I wanted to request a refund. I stated that my refund request has already been submitted and that I am requesting a status update on my refund request because I was told I can expect the refund as early as XX/XX/22. The agent stated she can provide no additional details other than the refund may take up 180 days. 

I am complaining because 1 ) some agents are flat out denying requests 2 ) some agents are reluctant to process requests 3 ) agents are giving inconsistent information and cant provide pertinent details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: NC
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 Report Act XXXX  Account # XXXX, has violated my rights 1

5 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannont furnish a account without my written instructions 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 for any purpose

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 2022-09-12
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 information incorrect

Complaint:
On XX/XX/2022, XXXX submitted erroneous information to Experian, which caused my credit score to decrease and jeopardized a real estate home transaction. I haven't used the card in question, and XXXX submitted incorrect data with a 93 % utilization. XXXX acknowledges that my information is listed correctly in their systems but refuses to correct it with the credit agency promptly.

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 2020-01-22
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX Victim and current residing in XXXX, FL. Im currently fighting homelessness, and in dire need of some type of assistance with removing negative items from banking institutions from my credit report and civil cases of unknown and unauthorized reports on my National Civil Court public record. Im suffering and imposed with financial pressure, I have a blemish credit history 3 eviction reports due to XXXX and was created by my XXXX without my consent and knowledge.

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 2023-01-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I reached out because I recognized some inquiries that I do not recognize. I reached out to the agencies to get this removed from my credit report and haven't received anything back from them. This is hurting my score and I would like this off my report please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Marcus has locked my savings account and won't disclose anything for 1-2 days.

I opened a new account at XXXX XXXX  on XX/XX/2021 and initiated ACH transfer from XXXX app to transfer over all my funds ( about {$6400.00} ) from my Marcus savings account. On XX/XX/2021, XXXX informed me that they had to cancel the transfer because Marcus refused, and asked me to try initiating the transfer from Marcus app. 

So on XX/XX/2021, I initiated ACH transfer from Marcus app. Marcus gave me a call at XXXX XXXX  ET, but I missed the call and later in the night found out that they just locked my account and funds. It says " temporarily locked ''. I called their customer care as soon as I could today on XX/XX/2021 at XXXX XXXX ET, and they said that they just had to verify that the XXXX account is owned by me before they could do anything, and to that end they had to put XXXX XXXX  on conference call along with me, but that XXXX XXXX 's customer care wasn't open at the time. So they asked me to call back after a few hours when XXXX was open, to proceed with the bank account verification process. 

I called back at XXXX XXXX  ET, went through the phone verification to prove that I was the Marcus account owner. They then put me on hold for a few minutes to go ahead and verify XXXX 's account, came back and bluntly told me that they'll get back to me in 1-2 days. When asked why would unlocking my account take 1-2 days, they refused to give any information and said that they can not disclose anything to me at this time. 

So how is a financial institution allowed to do this? They're locking up my funds and are saying that they can't disclose anything despite me having proven that I was the owner right at the beginning of the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: Capio Partners, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My account information is being sold to several debt collectors companies and they report it to my credit. One company after another. I send in my information and the debt goes away, then they sell it again and put it on my credit constantly dragging my credit down

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29
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: Was not notified of investigation status or results

Complaint:
Hey on XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the stress you have given me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: AES/PHEAA
State: MI
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:
XX/XX/2021 {$10000.00} I paid the company in ONE payment. I paid off the total balance of my student loans to MyFedLoan Servicing Company. This payment was made during COVID. They refuse to refund me my payment and state that my loans have been transferred to another service but will not tell me who that servicer is. I desperately need these funds back from MyFedLoan Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

In accordance with the Fair Credit Reporting act XXXX XXXX Bank XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021 Bank of America closed my business account and is hold the money without any explanation. When I call they just say the back office is verifying the transactions

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 2018-11-29
Company: Sa-Vit Enterprises, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted a health care provider on XX/XX/XXXX to inquire about a debt that was passed to a Sa-Vit collection agency. The account was for a procedure for my daughter as required by the State of NJ. The amount in question is {$320.00} for a date of service of XX/XX/XXXX. The health care provider provided my information about the alleged debt and a claim number in which I contacted my health care insurance company to verify if a claim was submitted in XX/XX/XXXX. 

After speaking with my health care insurance company on XX/XX/XXXX, I was told that the health care provider billed did submit a claim but the procedure was billed under my name and not my daughters name and that was the reason why it was denied by my health insurance company. After speaking with my health insurance company on XX/XX/XXXX, they fix the problem and transferred the claim to my daughters name which is should have been billed of in the beginning and gave me a claim number in support there of. 

I called the collection agency Sa-Vit and spoke with a representative who I explained that the health care provider billed the procedure under my name and not my daughters and that's why it was denied and that my health insurance carrier transferred the claim to my daughter after finding out about the error. I was then transferred to the company 's compliance officer XXXX XXXX and explained the situation to him. Mr. XXXX became verbally abusive to me and then started speaking to me in XXXX unexpectedly. When I spoke back to him in XXXX and surprised him he refused to talk further and hung the phone on me. 

Mr. XXXX is very unprofessional and thinking he bully consumers especially by speaking in another language in which to insult someone.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The XXXX breach exposed my information so Ive been very concerned about my consumer file. Per 15 USC 1681, credit transaction, arising from credit cards should not be included on a credit report. This disputes are due to the violations that XXXX is reporting inaccurate information on my credit report. This is violation 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information. 

XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX XXXX XXXXXXXX inaccurate direct violation 15 USC 1666b , Remove late payments XXXX XXXX XXXX, XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX XXXX XXXX  XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXXXXXX, XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXXXXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX XXXXXXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will review these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please complete your investigation aligned with 15 USC 1681 ( a ) ( e ) guidelines as Congress states.

Please send an updated copies of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter.

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 2023-12-04
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian Information System, This is a LEGAL NOTICE and not a dispute letter. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Child Support Nebraska acct # XXXX DELETE IMMEDIATELY for inaccurate reporting of Child Support, Judgements, Liens Fines on my credit report. This is not supposed to be be reporting on my credit report it did not derived from a credit transaction under FCRA Law and should not be reporting. I did not give written authorization to obtain my consumer report.

FCRA- Defined the " collection of an account '' is permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction. XXXX XXXX XXXX XXXX XXXX, Experian Informational System , Inc. and Support Kids. You must comply with the new interpretation of the law and ensure the timely corrections of this error.

Should you continue in non-compliance, the law is very clear as to the civil liability and the remedy available to me for " negligent non-compliance ''. I am maintaining a careful record if my communication with you. I also sent an affidavit on XX/XX/2023 in which your company did not responded to legally or by law. 
Thank you for your immediate attention to this matter. I expect a swift resolution.

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 2022-12-10
Company: Resurgent Capital Services L.P.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
LVNV has now placed a collection notice on my credit report both XXXX and XXXX, without providing me written notice to dispute the debt according to FDCPA. They also show the account was just opened as of XX/XX/22 which is also not correct. This account was opened last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
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: Was not notified of investigation status or results

Complaint:
I HAVE TRIED TO SUBMIT THESE PREVIOUSLY TO THE CREDIT BUREAUS BUT HAVE NOT RECEIVED ANY RESPONSE SO I AM RESUBMITTING THESE NOW. I BELIEVE I HAVE RIGHTS TO RECEIVE FAIR TREATMENT AS A CONSUMER

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX Block of information due to identity theft Dear XXXX XXXX , Your company has been negligent in my recent requests in regards to negative accounts listed onto my consumer report. I never gave consent for your company to furnish any accounts on my behalf. The below accounts are a result of identity theft and I am demanding they be blocked and removed within 4 days of receipt of this letter. This request was not made in error I am competent of making this request. This request is not being made for material misrepresentation nor did I receive goods or services or moneys in regards to the transaction. If your company believes that I received goods or services it shall show proof sworn under penalty and perjury of the goods or services I have received. I do not consent to an E-Oscar response. The following accounts are listed below Account Name : XXXX XXXX ( XXXX XXXX ) Account Balance : {$6800.00} Account Number : XXXX Your company has 4 business days to remove the above accounts listed. I am demanding that the following accounts be removed as it is directly affecting my ability to obtain consumer credit and is causing harm to my financial reputation. 

I look forward to your response.

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 2019-07-24
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: Their investigation did not fix an error on your report

Complaint:
XXXX  ; Experian and XXXX  are reporting incorrectly 30 90 plus days late, as well as a Repossession on the XXXX partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account is in good standing ; I have possession of the vehicle ; and there have not been any missed payments. I have also attached a copy of my Receipt from XXXX XXXX dated XX/XX/2019 reflecting my XXXX, 2019 payment. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful. This incorrect reporting and coding is harming my credit score and this line item needs to be corrected.

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