BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
Company: EdFinancial Services
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:
Hello, I submitted a request to my student loan provider Edfinancial Services on XX/XX/XXXX for a refund all payments made during the Covid-19 student loan forbearance period since XX/XX/XXXX. This sum amount was approximately ~ {$17000.00}. Edfinancial has been unable to provide me with a receipt, physical documentation, or confirmation of my request and additionally has stated that it could take up to 1 year from submission of my request to receive my refund. I have contacted them multiple times since submission for an update on the status my refund and they have been unable to provide any information regarding the processing of my request. 

From what I understand, many Edfinancial users are having similar problems with this provider while other lenders have been able to provide their borrowers with refunds in a more clear and timely fashion. I am simply looking for assistance in receiving my refund from Edfinancial since it is not clear when or if I will receive one since my request as 6 weeks has already passed and I am unable to receive any updates or physical confirmation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In contravention of the FCRA, XXXX began falsely reporting my account as delinquent to Equifax in XX/XX/2019 despite the account being paid off more than 2 years ago. The account 's current status is paid and should be reflected as such. It is not a current collection and it is not current late as being reported. 

XXXX is intentionally falsely reporting the current status in collection/charge off and as a current delinquency as of XX/XX/2019 so that it adversely affected my credit as a new charge off to drop my score. It is a deceitful and illegal response on the part of XXXX. Equifax can not seem to timely investigate and correct discrepancies that conflict with what the creditor has been reporting for years and when it diverges from what is updated ( i.e. if it's reported PAID in FULL/SETTLED 2 YEARS AGO, how can it be can currently IN COLLECTIONS and NEW DEGROGATORY INFO OF LATE AS OF XXXX OF THIS YEAR? )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: General Motors Financial Company, Inc.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I moved from XXXX to XXXX  State and changed my address with GM credit. My bills have been returned to the sender and one call was made to me to pay before the bill became past due. The problem continued to this day and I still have not received bills. GM credit reported me to the three credit agencies and told me I should have known the date. All payments were made by phone the day the call were received.. I've written them to have this taken off and they just send me verification of the loan without removing the late payments from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
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: Their investigation did not fix an error on your report

Complaint:
Still to date, while unders dispute with Equifax and XXXX XXXX  XXXX, Equifax has not marked XXXX XXXX XXXX as being under dispute on my credit profile ( documentation attached ). Equifax also allowed XXXX XXXX  XXXX to add additional negative comments to my credit profile, on XX/XX/2019, while currently under dispute. I reported to Equifax that, even after I updated my current address and telephone number to XXXX  XXXX XXXX, they still were using an incorrect mailing address and telephone number for me and therefore, XXXX XXXX XXXX did not contact me regarding any information that was placed on my credit account. I have also informed Equifax and XXXX XXXX XXXX   that my  identity was stolen and I provided legal documentation from the CFPB identity report and provided them by telephone with my current address and telephone number. Equifax sent me an email requesting that I provide them with proof of my current mailing address, even after I have already provided this info to them when my identity was stolen. However, I have attached proof of my address to this complaint. The information that XXXX XXXX XXXXXXXX has for me as far as my address, telephone number, and balance is incorrect. XXXX XXXX XXXX recently tried contacting me, on my correct number that they received through my recent dispute, XX/XX/XXXX, requesting that I call them and confirm that it was me that actually put in the dispute. I find this to be improper to call me and leave a message to confirm that it was me who put in the dispute with CFPB. I tried calling them several times and no one answered the number, nor did they return my call. I find it odd that XXXX XXXXXXXX XXXX would call me to confirm that it was me that put in the dispute when CFPB requires that you provide legal information when filing the dispute. And because they never called me back after I left them a message and tried calling several times, makes me think that it was fraudulent, or some kind of form of retaliation, or other non valid reason ; because after I confirmed it was me, through voicemail, who put in the complaint, they added additional negative comments to my credit report and Equifax allowed it, although they are under dispute. I was not returned a call from XXXX XXXX XXXX, after the person named XXXX, from the XXXX XXXX XXXX complaints department, stated that I must call them by a certain time. I still have the telephone message as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a XXXX XXXX seeking student at XXXX XXXX University a few years back but abruptly was prevented from taking another course due to " not signing a letter that I accepted the private loan via Sallie Mae ''. When I signed up for the course I went online to to officially aquire student loans to attend XXXX  school. Then I received a letter from XXXX stating that I can not take any more courses until I pay {$2000.00} in cash and then I can reapply but when I tried contacting the bursar office they claimed that I should have received a letter in the mail that needed my signature to approve the loan. Well at the time, I was living at my parents home helping pay their mortgage because the home was under forclosure. My parents ended up losing their home but I still never received a letter from the XXXX Bursar stating that I needed a signature for the loan. Now I am seeing a creditor asking for {$3400.00} which another XXXX dollars added on to the original amount owed. Can you say price gouging? There is an epidemic of teachers and former college students that went through the very same situation. Can you say scam?

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
NO KNOWLEDGE OF ACCOUNT PLEASE REMOVE AND SUPPRESS. SEND 1099C TO DEBTOR IS NOT REPORTING ACCURATELY ACROSS BUREAUS, REMOVE IMMEDIATELY REPORT ATTACHED UPDATE AND SUPPRESS NEGATIVE INFORMATION 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 XXXX TransUnion XXXX Account Number 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  Original Balance {$750.00} {$750.00} {$750.00} Current Balance {$750.00} {$750.00} {$750.00} Responsibility Individual Individual Individual Status Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Comments Collection account, Account previously in dispute - now resolved by data furnisher Dispute resolved reported by grantor Dispute Resolved - Consumer Disagrees

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 2023-06-09
Company: EQUIFAX, 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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I have submitted dispute to remove unauthorized accounts on my credit report and have yet to receive my results or the response requested in my dispute. It seems like the company is verifying accounts without proper investigation. Please see attached docs and act accordingly

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2022 someone purchased a vehicle in my name due to identity theft. The amount was {$18000.00}. I reported this information to be fraudulent and reached out to XXXX XXXX and all they did was raise the amount to {$19000.00} as of XX/XX/2022. Also another company XXXX XXXX XXXX XXXX has kept an item that I disputed on my credit report due to this identity theft. It was open XX/XX/2022 in the amount of {$300.00}. I reached out to this company and all they did was raise it to {$470.00} as of XX/XX/2022. This isnt ok as I shouldnt be help accountable for someone elses actions. The credit reporting companies shouldnt be allowed to report false information thats due to the misfortune of someone stealing and using my identity

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 2023-07-11
Company: EQUIFAX, INC.
State: MI
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 XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-08
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have been making two payments towards my mortgage so I can pay less interest and pay off my loan faster. I have called Freedom Mortgage multiple times to ensure it was being applied correctly and each time the representative tells me they are not allowed to discuss this with me which I thought odd. I have realized that my access to forms online and the paper statements aren't really reflecting that I am paying down my mortgage faster and decreasing interest as I have intended. I recently saw my first of two payments is listed under " Posted to Suspense ''

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 2019-06-03
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have tried several times via over the phone and via mail to have this issue solved as there were many inaccuracies regarding this account. Everytime I spoke with a representative from this agency, I was told they would be sending me letters with an updated balance, I was also told when I asked specific questions regarding validity of the account, that a representative would call me back. None of my calls were ever returned. There are different amounts owed and no validation has ever been provided to 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
Consumer complaint received 2023-02-22
Company: Atlanticus Services Corporation
State: MO
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 this creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC section 604 section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on credit card account under an open consumer credit plan as late for any purpose. XXXX XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXXAspire XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

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 2018-11-28
Company: Army and Air Force Exchange Service
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I inadvertently made a larger overpayment to my AAFES Exchange Credit Program Card on XX/XX/XXXX. Within a week this payment was posted to my account leaving an over payment amount of  {$11000.00}. On approximately XX/XX/XXXXI contacted the company and requested a refund which they assured me would arrive in 7-10 days. I waited until XX/XX/XXXX before reaching out to the company via email saying, " I requested an overpayment refund three weeks ago and I still havent received it. How much longer do I need to wait? '' They responded 1XX/XX/XXXX saying : " Dear XXXX XXXX, Thank you for contacting our office concerning your MILITARY STAR account with the Army and Air Force Exchange Service ( The Exchange ).

Please be advised that we have sent another request today for the refund to be sent to you. Please allow 7-10 business days for the refund check to be delivered. 

We do apologize for the inconvenience this has caused you. 

If further assistance is needed, please give Military Star a call at XXXX or via email. 

Thank you for your service and have a wonderful day! 

Sincerely, XXXX XXXX The Military Star Email Team Army & Air Force Exchange Service XXXX XXXX I didn't receive a check so I contacted them again on XX/XX/XXXX saying, " This is my third inquiry into the overpayment on my account. Can I ask what the issue is that is causing such a delay? '' They responded XX/XX/XXXX saying, " Dear XXXX Parent, Thank you for contacting our office concerning your MILITARY STAR account with the Army and Air Force Exchange Service ( The Exchange ). 

Please be advised we are researching this to see why the check is not getting processed. Once I receive a response form the accounting department XXXX will email you about your refund. We do apologize for any inconvenience this may have caused you. 

Thank you for your service and have a wonderful day! 

Sincerely, XXXX XXXX The Military Star Email Team Army & Air Force Exchange Service I then waited until today ( XX/XX/XXXX ) to call the company again and now they are saying they are going to try and have the check mailed out to me by the end of the week.

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 2023-07-11
Company: EQUIFAX, INC.
State: IN
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 am writing to dispute the following addresses. It does not belong to me. I never lived in these addresses and I was contacted by a collection agency regarding the accounts that are associated with these incorrect addresses. I also have no knowledge of obtaining any of the inquiries listed here. 
XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: MO
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXXXXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: AMERICAN EXPRESS COMPANY
State: ME
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:
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2019 American Express XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Demand and notice of intent to arbitrate Promotional Amex Offer for credit card account XXXX To Whom It May Concern : 1. On XX/XX/2019, I received an email ( Exhibit A ) from American Express ( the Bank ) which advertised various Amex Offers attached to my credit card ending in XXXX ( the Account ). One of these offers advertised 10 % back at XXXX. 

2. In response to the email, I made a {$200.00} purchase at XXXX with credit card XXXX on XX/XX/2019. The 10 % cash back did not post. 

3. On XX/XX/2019, I contacted customer service for assistance via chat ( Exhibit B ) and was advised by XXXX that I had already used this offer 5 months earlier on XX/XX/2019. XXXX refused to honor the recently advertised 10 % back offer. 

4. Please pay the advertised cash back in the amount of {$20.00}. 

5. Else this matter will proceed to arbitration with all costs borne by the Bank pursuant to the Cardmember Agreement which governs the Account. 


Sincerely, XXXX XXXX enc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

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