BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
Company: HEARTLAND PAYMENT SYSTEMS INC
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:
Good afternoon, I have a XXXX loan from XXXX XXXX XXXX that is currently managed by ECSI. I XXXX with my XXXX in XXXX of XXXX, and immediately went to XXXX school at XXXX University ( staring in XX/XX/XXXX ), where I then graduated in XXXX of XXXX. My XXXX loan was thus in deferment for all of graduate school and 9 months after my graduation, meaning the first payment should have been due in XXXX of XXXX. 

I received a bill from ECSI for XXXX of XXXX, 3 months early. I contacted them directly and pointed out the error. They insisted it was not an error, and that my time as a student at XXXX " does not count ''. Not only is that not what all the documentation I have says, it is worth noting that this doesn't even match ECSI 's own records ; it does not show interest beginning to accumulate while I was in graduate school, so this was internally inconsistent, too. 
When I pointed the representative to a website explaining the terms of XXXX loans, her response was to claim that XXXX loans are " not Federal Student Aid ''. You will find these quotes in the attached document. 

When I was unable to reach any resolution with ECSI, I spoke with XXXX XXXX at XXXX, who was able to confirm that ECSI was in error. I received an email from her on XX/XX/XXXX confirming that my information had been updated with ECSI and the error had been corrected, and that the 9 month grace period had been applied, so I expected a bill in XXXX. 

Today, I received a bill in the mail from ECSI showing that I have XXXX months of past due bills : XXXX for XXXX, and XXXX for XXXX, plus a {$5.00} charge. This is the first bill I have received from them. I just spoke to yet another ECSI agent who is trying to tell me that the initial deferment period is 6 months. 

This bill is wrong, and I have already spent hours getting it corrected, only to have them send it again, late, with overdue fees. This is negligent at best, and at worst, exploitative. 

I am attaching a transcript of the XX/XX/XXXX conversation as well as the email from XXXX, and then the follow-up conversation from today ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: COAST PROFESSIONAL INC
State: OH
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:
XXXX is guarnishing my wages for my student loan without sending notice to me.. started today XX/XX/2019 for {$110.00} weekly. i was shocked as i had no notice, no phone messages, nothing! 
I have no documentation to include

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 2023-01-30
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I friended XXXX XXXX on XXXX. I now believe that this is a fake profile. We began messaging and a few days later was told about investing in XXXX, that it had a high percentage of return. I started off by wire transferring {$2000.00} from my bank into XXXX. Through messaging this person walked me through how to transfer the money from XXXX to XXXX wallet and purchase XXXX or XXXX, and then deposit that money into a site called XXXX XXXX. I now know that XXXX XXXX is a scam website, at first it originated from openrarit.com and now XXXX XXXX XXXX. At first I was able to withdraw some money from the account. On XX/XX/23 I was offered {$50000.00} by the site to put into my account for 10 days to help make more money and a higher percentage of return. The site messaged me and said the {$50000.00} must be paid back in 10 days or my account would be suspended, that the money could not be taken back from the account. On XX/XX/23 I wire transferred {$52000.00} from my bank branch at Chase with a teller. The site messaged me and let me know they had received the deposit. I then tried to withdraw the money back out and was told that my account exceeded {$80000.00} and that I would need to deposit {$30000.00} to open a vip withdrawal channel to be able to withdraw funds. On XX/XX/23 I wire transferred {$32000.00} from my bank branch at Chase with a teller. I was then messaged from the site and was told in response to the US tax authorities I would need to pay {$22000.00}. This is when I was absolutely sure this was a scam. I have screenshots on my phone of the process of the money being wire transferred to XXXX then to XXXX wallet and then to makersplace pro. I also believe Chase Bank should have questioned me or warned me about doing a wire transfer for such large amounts of money but they never said anything to me. I have made a report of this to Chase Bank, the FTC, the FBI and the XXXX XXXX police office. I still have an open line of communication with the person the scammed me, their profile is still on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: EQUIFAX, INC.
State: OH
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 have too many inquiries in my credit report and i never give permission to run my credit to those creditors

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have too many inquiries in my credit report and i never give permission to run my credit to those creditors

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: Mid-Atlantic Finance Co., Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 respectfully urge you to update my account with the accurate information as soon as possible.

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 2020-04-12
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had an inquiry pop up on my report CHRYSLER CAPITAL for an auto loan account ending # XXXX ... ... I have never done business with them its unknown to me. Its preventing me from buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ
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:
sent 609 and 611 letters to original creditors and credit bureau for proof of originals documents with my signature according to the FCRA and sent the " Repossession Deficiency Dispute " to original creditors and credit bureau for the past several months and haven't received proof with originals copies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act 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 a consumer reporting agency can not furnish a account without my written instructions This account is showing inaccurate information on 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 non-monetary relief
Consumer complaint received 2019-06-07
Company: EQUIFAX, INC.
State: TX
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 disputed the student loan XXXX XXXX, XXXX XXXX with the credit bureaus for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Synovus Bank
State: CO
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:
XXXX XXXX XXXX, I reported my card stolen/lost. 
A new card was issued but never received by me. 
In XXXX XXXX XXXX, I started seeing charges to my card. 
This company does not have a mobile app or way to notify you of late fees. 
So at the end of XX/XX/XXXX, I saw a late/missed payment on my credit card. 
I notified the First Progress of this and they started a fraud investigation. 
On XX/XX/XXXX, the charges were removed but their late fees and interest was not. 
I called & asked why and they stated they would be removed in 30 days as another department had to do that. 

On XX/XX/XXXX, I called and asked why the fees were not removed and why was the late fees still showing up on my credit report, the bank stated I would need to start another investigation to remove the late fees. 

They showed me the card members agreement that stated as such on page 10 but the rep refused to answer the bottom half of the agreement on Page 10 that states I would not be assessed any fees or penalties during the investigation, as well at the the bottom half of it that states all fees, interest, and charges would be removed after completion of the investigation. 

So the late payments are still showing up on my report and the late fees plus interest for those fees are still on my account unless I start another investigation that may take up to 90 days to close.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Well Fargo Credit Card has been reported charged off for more than 6 years and they report that I still owe every month.

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 2020-09-10
Company: Experian Information Solutions Inc.
State: OK
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:
On XX/XX/2014, an account was opened on my name at XXXX XXXX ( somewhere in California, at that time I was living in XXXX ), and they billed me for {$820.00} ; however, I have never registered for this school. 
I sent multiple letters to this school ( and later to XXXX XXXX XXXX  ), and I have never received any answer from them with proof that it was I whom incurred in that debt. 
I also sent " 609 Letters '' to the Credit Bureaus '' and XXXX and XXXX efficiently performed an investigation and they already removed this charge. 
Unfortunately, Experian does not, and after numerous complaints and phone conversations along with long hours of waiting, its employees responded that " they do not investigate anything '' and I am the one who has to perform the investigation. 

After I remind a bunch of XXXX and XXXX XXXX  who ignore completely USA laws ), about the Fair Credit Reporting Act, 15 U.S.C. 1681 ; and they are liable to a lawsuit for libel and ... .they hung up!

Experian is the worst of the Credit agencies and it should not exist!! 

Please help me to arrive to a resolution on this case, because at this point the fact is that Experian is ruining and damaging my record, in addition, they also hindering the advance and progress of my economical future as a home owner. I can not buy anything ; and I lost great opportunities of investment because Experian refuse to perform an honest and thorough investigation. They have never sent me the results of my multiple inquires, or the 609 Letters that I sent. 

I know they won't investigate anything and I will be forced to file a lawsuit ; but before I do that ... .I beg you please help me. 
Sincerely, 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 2023-03-23
Company: EQUIFAX, INC.
State: OH
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 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 XXXXXXXX {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 a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and 4 accounts have been opened using my personal information that I did not authorize. I have contacted these companies and they can not provide any contract bearing my signature that I have an obligation to their company or anyone they represent. These accounts are a result of identity theft. 
Consumer mortgage in the amount of {$6000.00} XXXX XXXX in the amount of {$400.00} XXXX XXXX in the amount of {$370.00} XXXX XXXX in the amount of {$610.00} Please delete and block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 
I appreciate your prompt attention to this matter, and await your reply.

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 2023-04-04
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
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:
We were erroneously reported as 30 days late to the credit bureaus. We did not make a late payment ( nor have we ever made a late payment in our history of owning a home ) and disputed this with Freedom Mortgage. 

Timeline of Events XXXX Mortgage Payment : Posted on XX/XX/XXXX XXXX Mortgage Payment : Posted on XX/XX/XXXX Thu, XX/XX/XXXX : Received letter dated XX/XX/XXXX from Freedom Mortgage indicating we were 2 months late ( the letter states {$3800.00} ) on our mortgage payment. But we paid both. ( See bank statement ) Thu, XX/XX/XXXX : Called Freedom Mortgage about the letter as both months were paid. They indicated we had a balance of {$180.00} due to a shortage from XXXX payment ( escrow increase of {$94.00} ) and then XXXX payment. Immediately paid the shortage and XXXX waived the XXXX late fee as we have never paid late. They said there would be no reporting of late payments as it was not late. 

XX/XX/XXXX Received our first credit bureau notification of a late payment by Freedom Mortgage. This is erroneous as we did make on-time payments. 

Freedom Mortgage did not notify us in writing of a late payment prior to the letter we received dated XX/XX/XXXX. Even then, they incorrectly reported stated we were 2 months late even though bank records reflect payments made. 

We have asked to Freedom Mortgage to remove the late payment on our credit reports but have not.

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 2018-09-06
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2018, I sent Ad Astra Recovery Service a second letter regarding them verifying that a debt in the amount of {$330.00} belongs to me. They never validated the debt was mine according to the Fair Debt Collection Practices Act. The are falsely reporting this collection item on my XXXX and XXXX credit report. They only provided a print out of an itemized billing statement that does not have my signature on it. The FTC has issued an opinion letter on this subject and concludes that an itemized printout does not represent verification the debt belongs to me. They are falsifying information on my credit report, in which is illegal practices to me as a consumer. I asked this collection agency for the original contract I physically signed, that supposedly agree to the terms for the account and they never sent these records at all. I demanded proof or validation according to Fair Debt Collection Practice Act, and they never responded to me. This debt is unlawfully being reported on my credit report. I don't owe this debt and it should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, Original Creditor : XXXX XXXX XXXX XXXX amount {$260.00}. 
XXXX XXXX XXXX, Original Creditor : XXXX XXXX XXXX amount {$340.00}. 
XXXX XXXX XXXX, XXXX XXXX : XXXX amount {$170.00}. 
XXXX XXXX XXXX XXXXXXXX, XXXX XXXX : XXXX XXXX XXXX {$2500.00}. 
XXXX XXXX XXXX, Original Creditor : XXXX XXXX XXXX {$170.00}. 
XXXX XXXX XXXX amount {$4000.00}. 
XXXX XXXX XXXX amount {$8900.00}. 
XXXX XXXX XXXX amount {$3000.00}. 
XXXX XXXX XXXX amount {$4200.00}. 
XXXX XXXX XXXX amount {$1700.00}. 
XXXX  amount {$100.00}. 
XXXX XXXX XXXX amount {$300.00} XXXX XXXX XXXX, Original Creditor : XXXX XXXX XXXX  amount {$510.00}. 
XXXX  XXXX amount {$670.00}. 
XXXX XXXX XXXX amount {$400.00}. 
XXXX XXXX XXXX amount {$290.00}. 
XXXX amount {$100.00}. 
15 U.S.C1681 section 602A. States I have the right to privacy.

15 U.S.C1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation