BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-15
Company: EdFinancial Services
State: PA
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:
On XX/XX/XXXX I made a payment of {$2000.00} towards my federal student loans. 

On XX/XX/XXXX I called my loan provider, EdFinancial Services, and requested a refund for the {$2000.00} paid on XX/XX/XXXX. EdFinancial said they put in a request for the refund. I did not receive any confirmation via email or mail. 

On XX/XX/XXXX I called EdFinancial and asked about the request for the refund as it has not showed up in my account yet, and the representative said that it was still processing. I asked how long the processing will take and received no answer. I again received no confirmation that any conversation with EdFinancial even took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: HILLTOP HOLDINGS, INC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We closed on a refinance on XX/XX/XXXX. Our homeowners insurance was due on XX/XX/XXXX. We received a notice of cancellation for the policy for XX/XX/XXXX. I have been in contact with my mortgage holder by both telephone and email in an attempt to get this paid. As of today ( XX/XX/XXXX ) the bill was still not paid. To avoid cancellation, I paid the premium out of pocket. My mortgage holder is Prime Lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: MOHELA
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Filled out forgiveness application in XX/XX/2022. Have not been able to receive forgiveness on student loan for government employment. This is ridiculous

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: JPMORGAN CHASE & CO.
State: MA
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:
There is an inquiry that has been placed on my credit report on XX/XX/2019 by CHASE BANK from JPMCB CARD. I sent the credit bureau ( XXXX ) a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application and if CHASE BANK claims that I agreed for them to pull my credit then I want to see the original documentation with my signature for this inquiry because the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that CHASE BANK verified or validated this inquiriry when in fact I never authorize the bank to submit any application for credit. What I received from the credit bureau is not enough to validate this inquiry. I received the copy of the credit report on XX/XX/2019, this application was submitted fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-01
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The Original Account was with XXXX. Based on the statute of limitations in WA state the collection agency shouldn't be reporting on my credit on this debt. I have already been impacted by my credit from 2013 for 6 years. This is caused me to have high-interest rates and now that it dropped off my credit this collection agency is reporting. They also contacted me and left a message without leaving the details of my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN 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 2022-07-22
Company: Harris & Harris, Ltd.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
1006.34 Notice for validation. This debt was put on my credit report without notice and I would like them to validate that the debt with a itemized bill to confirm amouts owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXXNSTALLMENT LOAN 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2021-10-07
Company: WAKEFIELD & ASSOCIATES, INC.
State: WA
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:
There is a collection from Wakefield misreporting a balance to XXXX and XXXX that was included in a bankruptcy I filed in 2018. The account is also being re-aged to appear newer than it is. This is bringing down my credit scores and making it difficult to get a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
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 a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I need help paying my phones bills and school bills even I got laid off in XXXX in my job because I struggle to save my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 a XXXX collection on my credit report. I have disputed this multiple time with all credit bureaus and it comes back as verified. Meanwhile whenever I ask the credit bureaus how was this account verified they are unable to send me the method of verification all they sent it a payment history. This account has different status across all three bureaus. I need this charge off account to be deleted off my credit report. Transunion XXXX and XXXX have been violating the fair credit reporting laws with this charge off account I need it to be removed

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 2022-01-06
Company: U.S. BANCORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
It is my fourth time to submit a complaint. The former three times cases numbers are XXXX, XXXX and XXXX. 
On the one hand, you said you will return the money to the originator. On the other hand, you said my friend have to let the payroll contact the originator bank and ask them to provide a written request then you will initiate return. What the XXXX is that? What should I do? OR just tell me you are not going to return at all. You said you submit request to XXXX twice, they dont reply. I guess you have a XXXX means to contact them. You can call them, write to them, fax them, just let them reply, because it is your responsibility and I dont believe its that hard to initial it. I have explained anything. Such a big university, payroll need to deal with thousands of XXXX dollars, will they care this 2000 dollars? Whom to look for to write such request in such a hard time and no one works in office and they just XXXX. You can not hold it forever in any reason and again is your responsibility to contact the bank and return! It shouldnt be no any progress in more than one year. XXXX XXXX XXXX I am so angry and so disappointed.

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 2020-09-11
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of this year the company agreed to accept a settlement for the debt owed of {$4000.00} in six installments of {$670.00}. I've made all installment payments but now they have stated they have sold the debt. I've tried to contact their executive customer service but they have not responded.

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 2023-06-07
Company: EQUIFAX, INC.
State: FL
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.

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 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  The above accounts have violated my rights according to 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-27
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I, XXXX XXXX, believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 

XXXX XXXX DEPT OF ED/XXXX ACCOUNT # XXXX US DEPT OF EDXXXX ACCOUNT # XXXX UD DEPT ED ACCOUNT # XXXX XXXX  XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX  XXXX  ACCOUNT # XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: U.S. BANCORP
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: Their investigation did not fix an error on your report

Complaint:
This fraudster continues to harm me by fraudulently reporting " false personal x XXXX credit card balance '' every month for last 6 months to credit bureaus. This fraudster never stops violating FCRA. Now I am going to sue this fraudster for repeated FCRA violations.

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 2023-01-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months. 

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer. 

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
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:
XXXX XXXX is reporting my account as 90 days past due for XX/XX/2020, XX/XX/2020 and XX/XX/2020. Experian received a copy of a letter from XXXX XXXX  stating the account is in good standing however, it is still being reported ad late and Experian will not update my credit file.

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 2023-01-19
Company: Freedom Mortgage Company
State: CO
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/XXXX our loan modification was finally rectified with the mortgage company after 10 months of checking with them. Only to be told we were missing a payment which was clearly on their end on how the allocated payments. They started researching this and agreed they needed to fix it ( Back in XXXX and XXXX )... Since then I have been waiting for the payment to be reapplied and corrected and now XX/XX/XXXX I have had to call continuously again to try and get them to rectify this. 

Now i was told that they have to redo the request to get it fixed and escalate it again. 

But now my credit is reflecting 30 days late and dropped from a XXXX to XXXX based on their actions. I asked them to fix this as well and was told they won't until the first issue is resolved which to me is unfair given that I have waited two months already for this issue and 10 months for the first complaint I had with them. 

I am in need to make a purchase and have worked very hard to keep a high score only to have it damaged by a mistake that isn't my own.

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 2023-01-19
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, I received another letter from a collection company Named Credence Resource Management , LLC for a debt that I do not owe them which damaging my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation