BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-19
Company: U.S. BANCORP
State: MD
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: Card was charged for something you did not purchase with the card

Complaint:
I made two payments to my accounts. 

1. On XXXX/XXXX/XXXX I made a {$700.00} payment to my reserved line 2. On XXXX/XXXX/XXXX I made a {$1000.00} payment to my credit card Neither of these payments have been applied to my account. The company refused to rectify this situation and now I am out of {$1700.00}. I need help solving this. I have tried to contact the company to ask about my payment and they refuse to provide me with any information. There is something fraudulent going on with my account. I never asked the company to transfer payments from one account to the other. This is a fraudulent situation. Someone has taken my payments and misapplied my payments and reversed it off my account. So where is my {$1700.00}?

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 2020-05-20
Company: HEARTLAND PAYMENT SYSTEMS INC
State: DC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Heartland ECSI has been repeatedly contacting me in an attempt to collect payment on a {$2600.00} emergency loan that I had to take out as a XXXX XXXX University student during XXXX. The bill has escalated to {$2900.00} and is not my responsibility because yesterday, on XX/XX/XXXX, I contacted the university 's financial aid office and they noticed an error on my account. There was actually a credit on my account from a valid student loan that by fault of the university was returned to the lender. I now have a tuition refund credit on my account in the amount of {$10000.00}. Heartland ECSI has mentioned that all they can do is work with me to initiate a payment plan but I do not owe them any money at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: EQUIFAX, INC.
State: HI
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:
The issue is me and my twin sister have the same SSN except the last number. It's alot of stuff on here and need to be removed due to not being mine and some might not even be my sisters. However, this issue has been going on for to long and I'm not getting the help I need to resolve this issue. I'm in the military and want to continue moving forward and this has me at a stand still. Immediate attention please. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have written all three Credit Bureaus XXXX, Transunion and XXXX about my daughters XXXX  student loans still reporting on my Credit Report way passed the seven year mark. The following dates are listed XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I feel that the loans should be deleted because its past seven years. XXXX has also deceived me in the past asking for my Pay stubs saying I would be in deferment and they have constantly added lates every month recently as if I should be paying. They never put anything in deferment but have been constantly adding lates and dropping my score and the credit bureaus have allowed this. I ask for a fair investigation and they failed to provide that if they did they would see that XXXX is reporting and inaccurate and would have deleted the account for being inacurrate or for again it being passed seven years. XXXX is not the only account passed the seven year mark still reporting. I have a XXXX account and a XXXX account from XX/XX/XXXX and XXXX XXXX XX/XX/XXXX both again passed seven years I feel the bureaus are almost getting a kick out of seeing my down and not be able to obtain credit because I have wrote them several letters concerning this and I have been treated unfairly

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 2019-03-09
Company: SYNCHRONY FINANCIAL
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:
My wife and I placed an order for a mattress from Mattress Firm on XX/XX/19. The sales rep kept making odd steps and corrections so we repeatedly tried to confirm that the item he was ordering for us was the exact same item from the floor model. 

We made it abundantly clear that our purchase was strictly on the grounds that we were getting the exact item we wanted, and confirmed FOUR times that the item lined out on the order matched the floor model, as there was no other way to verify. We agreed to finance the purchase of that specific order and that specific order alone. 

Now, we found out that the sales rep pulled a bait and switch on us and ordered a different item from what we agreed upon. As such, the sales rep pulled credit to sell us an item that we had not agreed upon, and had we known about the bait and switch, we never would have authorized the credit pull.

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 2020-10-19
Company: EQUIFAX, INC.
State: GA
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:
On the XXXX  for sure. The correct PAYMENT HISTORY is not reporting correctly for my XXXX Card # XXXX. It's showing only 2 months when it should show 5 plus years ... Please correct history ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Account Control Technology, 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:
ACCOUNT CONTROL TECH is a collection agency collecting for XXXX University in the amount of {$4100.00}. I dispute was sent to the collector and all three Credit Bureaus over 60 days ago. No one has responded as required by the FCRA and CCPA to prove ownership of the debt by purchase order, itemized billing statement, and a signed contract bearing my signature and identification. An entity simply can not demand payment without ALL of these documents. Since it is has been over 30 days ... Initial contact made to all parties including the Credit Bureaus on XX/XX/2020, this item MUST BE REMOVED FROM ALL CREDIT REPORTS or legal action can take place because it is hindering my quality of life wherefore monetary compensation will be demanded in the court of law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: Navient Solutions, LLC.
State: TX
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:
Hi, recently I had 6 months left on my student loan payments ending in XX/XX/XXXX. Recently navient put my loans in deferment without my authorization. When I told them I didnt want deferment, they still extended my loan repayment till XX/XX/XXXX with increased interest. They said they were going to correct my loan back to the original payment and loan pay off date but have not done this yet. Ultimately, they are trying to charge me more interest. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Wakefield and Associates ( # XXXX ) /medical? 

Not sure where this is coming from and have not receive anything in this name but is showing in my credit report and is hurting my credits!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Navient Solutions, LLC.
State: GA
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 have written all three Credit Bureaus XXXX, XXXX and XXXX about my daughters Navient student loans still reporting on my Credit Report way passed the seven year mark. The following dates are listed XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I feel that the loans should be deleted because its past seven years. Navient has also deceived me in the past asking for my Pay stubs saying I would be in deferment and they have constantly added lates every month recently as if I should be paying. They never put anything in deferment but have been constantly adding lates and dropping my score and the credit bureaus have allowed this. I ask for a fair investigation and they failed to provide that if they did they would see that Navient is reporting and inaccurate and would have deleted the account for being inacurrate or for again it being passed seven years. Navient is not the only account passed the seven year mark still reporting. I have a XXXX account and a XXXX account from XX/XX/XXXX and XXXX XXXX XX/XX/XXXX both again passed seven years I feel the bureaus are almost getting a kick out of seeing my down and not be able to obtain credit because I have wrote them several letters concerning this and I have been treated unfairly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is not a complaint. Its acually a request for help. This situation is being overwhelming for me now. This is about a mortgage account. The account information is the following : Specialized Loan Mortgage account # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$390000.00}, joint account. 

We have a perfect payment history on this account since it was opened in XXXX ; until XXXX and XX/XX/XXXX that I was marked late. XX/XX/XXXX payment was received on XX/XX/XXXX but they marked it as received on XX/XX/XXXX, and XXXX, payment was received on XX/XX/XXXX, but they marked the late again! 

The issue was that we made payments before we were over 30 days late, but the lenders system took the payments in for the next day. 

Also, I called in XXXX to get a deferment due to income being affected, and being quarantined due to Covid, but I was put on hold for hours and could never get through. 
This was lenders negligence and unfair business practices, they were giving deferments but he could never get through on the phone to get deferment. 

Finally, when I got through months later, they said that I could get a deferment now for the coming months but not the previous months. Therefore I couldnt get a deferment. They need to backdate deferement and mark my account current for months of XXXX and XXXX. We are living dificult times, and I hope to get a fair solution to this matter. I am requesting to get the XXXX late payments corrected. 

Thank you so much.

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 2018-10-03
Company: Diversified Consultants, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Diversified Consultants Inc put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. The letter they sent shows a different balance than what is being reported top the collection bureaus. I request that Diversified Consultants Inc verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Diversified Consultants Inc is unable to provide the above identifying account information, this account must be deleted from all CRAs. I have attached the only letter which I have received from them. I requested validation, never received validation before it was added to my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XX/XX/2015 and XX/XX/2015 someone deposited {$1400.00} and {$1700.00} into my account using my login and password which was not authorized by me. In which my wife use to get her Social Security check in that account we thought it was from SS administration now Ive been placed on the suspected fraud list and cant open a checking account with any bank. It was Bank of America who placed the hold on 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 2020-12-02
Company: Square Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I was using merchant services, offered by the company Square, to take payments for a small business I was trying to start in 2019. On XX/XX/2019 I received a payment of {$40.00} from a customer, which I then attempted to transfer the net profit of {$38.00} to my bank account, only to discover I was unable to do so because my transfer capability had been suspended. The note on my account said my transfers were suspended while they completed a periodic account review for customer security. It states that the review process typically takes XXXX business day. It has now been almost 1 year since it was suspended, on XX/XX/2019. You can not reach anyone on the phone, its just an automated system that tells you to check your email for a message about the suspension then hangs up, which there was never an email sent to me. I tried reaching out to their support team on XXXX, but they replied just once asking for my email address, which I provided, then Ive been ignored ever since. I can not get in touch with anyone to remove the suspension that has been in place for over 11 months now. I have a balance of {$38.00} that is being held from me and no way to reach a person to talk to and have it removed so I can get the money Im owed. I no longer use their service. I just want my funds and to be done with them, but I cant get any help from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello I recently submitted a dispute that was on Experian credit report the entry was state of Michigan child support for {$1600.00} once I notice it I called and then payed online the same day I went Experian week after and asked for a dispute the balance would show correctly I submitted documentation that was the receipt that wased processed from payment and copy of bank showings the payments where taken out and with the proof the refuse to show correct balance and I asked about the time length of the item been on my credit report because the item has been on my credit report since 2003 and after 7 years it should have feel off but they refuse to follow the laws

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 2017-08-10
Company: Ad Astra Recovery Services Inc
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I had an online payday loan from XXXX XXXX for XXXX. My payback was for XXXX. My personal information was given to a third party agency without my permission. I did not authorize my information from XXXX to be given to a creditor ( AD Astra Revovery Services , Inc. ). I could no longer contact XXXX about my account because it was sold to a creditor without my permission. My rights were violated by both XXXX and Ad Astra Recovery Services, inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: AES/PHEAA
State: DC
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 have been making payments that qualify for Public Service Loan Forgiveness on time and in full every month since XX/XX/XXXX. However, I was recently informed that as of XX/XX/XXXX only approximately 30 of my payments qualify. 

Over the years, on several occasions I requested that FedLoan Servicing recalculate my qualifying payments and provide me with an explanation for any payments it considers not to qualify. However, to date FedLoan Servicing has provided no such explanation and the miscalculation remains. 

Every month since XX/XX/XXXX should be counted as qualifying for Public Service Loan Forgiveness. Thus, as of XX/XX/XXXX for each of my loans I should have about 69 qualifying payments. 

Note that according to the FAQ linked below qualifying payments should include months in which multiple partial payments were made to total the full amount due, as well as months in which my scheduled monthly payment was {$0.00} based upon my income. https : //studentaid.gov/manage-loans/forgiveness-cancellation/public-service/questions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX is a collection agency collecting for XXXX   XXXX University in the amount of {$4300.00}. I dispute was sent to the collector and all three Credit Bureaus over 60 days ago. No one has responded as required by the FCRA and CCPA to prove ownership of the debt by purchase order, itemized billing statement, and a signed contract bearing my signature and identification. An entity simply can not demand payment without ALL of these documents. Since it is has been over 30 days ... Initial contact made to all parties including the Credit Bureaus on XX/XX/2020, this item MUST BE REMOVED FROM ALL CREDIT REPORTS or legal action can take place because it is hindering my quality of life wherefore monetary compensation will be demanded in the court of law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: EQUIFAX, INC.
State: GA
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:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation