BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-30
Company: Byrider Franchising, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
On XX/XX/XXXX, my husband and I went to XXXX in XXXX XXXX, MD to sell or trade in our XXXX XXXX XXXX. We showed them the title and receipt that car had XXXX balance owed. However, the title we had still showed CNAC ( Carnow Acceptance Company ) listed as a lien holder. We were instructed to go to them and request a Lien release. 

On the next day, XX/XX/XXXX, we went to XXXX XXXX where we had purchased vehicle in XXXX. 
In XXXX, the car was paid off by our insurance company, ( XXXX ) due to an accident. They ( CNAC ) said that they had to turn over the Title to the insurance co. since they were the ones that paid balance owed on car. After accident, we paid for damages out of pocket and kept car. 
Now comes time to get rid of car in XXXX. We were told to contact XXXX. Which we did. On XX/XX/XXXX, spoke with XXXX customer rep who said i needed to contact the persons that was assigned to our claims. They were XXXX XXXX XXXX ( Adjuster ) and XXXX XXXX XXXX. XXXX XXXX said that he was not the right person to speak with because he does not handle title concerns. When we spoke with XXXX XXXX, her response was that CNAC never sent XXXX anything and she is not able to help other than send me copy of payment sent to them. We are getting so much run around and would like to resolve this issue quickly so that we can officially drop the car from our insurance. XXXX also has no record of payoff. 
Thank you so much for your prompt attention to this matter. 

Sincerely, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EdFinancial Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX I called Edfinancial to request a refund due to financial hardship and allowed through the XXXX act. I requested a refund of my payments made to them from after XXXX 2020. 
XX/XX/2020 {$18000.00} XX/XX/2020 {$200.00} XX/XX/2020 {$200.00} XX/XX/2020 {$200.00} XX/XX/2020 {$200.00} They told me they will submit the request. 

Last week I see that my balance has been reinstated on my account to - {$18000.00} on the EdFinancial website. However, on Friday, XX/XX/XXXX, I see that my balance is back to {$0.00}. Through their website I chatted with an agent who told me that the Department of Education denied my request because the payment of {$18000.00} was made by a " third party consolidator ''. The payment was made by a third party who I allowed to pay off the balance of my loan. I requested that Edfinancial resubmit the refund request and I was informed by the same agent that Edfinancial can not and will not submit another request. I asked about my the refund status of my other payments and I was told they are still in process. So I called Edfinancial and the next agent I spoke with told me the same denied information but did agree to resubmit my refund request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: EQUIFAX, INC.
State: TN
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:
i have notified equifax of this fraudulent account that is in litigation! XXXX XXXX XXXX and XXXX has removed this fraudulent account from my credit profile, Equifax removed fraudulent account due to federal law! 5 USC 1681 c-2 once reported that an account is fraudulent the credit bureau ( Equifax ) must remove in four business days. equifax complied with intial but has violated federal law 15 usc 1681 ( A ) Accuracy and fairness of credit reporting agencies. This is a fraudulent account that i took into litigation and the company could not provide an original contract and the case is closed and so is this fraudulent account that Equifax re inserted into my credit profile which is a federal violation of federal law 15 USC 1681 ( g ) ( i ) ( ii ) requirements related to reinsertion of preveiously deleted material. if any information that has been deleted from a consumers file pursuant XXXX XXXX ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose by any other means available to the agency. your company has committed numerous federal violations and must be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: AES/PHEAA
State: AZ
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:
My husband and I have been XXXXs for 30 years ( him ) and 20 years ( me as a XXXX XXXX XXXX XXXX ). We were told to consolidate our loans in 2003 under a spousal consolidation loan. We were sent to AES and we have been paying ever since. 20 years later we have barely made a dent paying almost {$500.00} per month and now our children 's loans are due. 
Now, after submitting all the required paerwork to the PSLF program, we are told by AES, PHEAA, and XXXX that we can not getforgiveness through the PSLF program because they consolidated us back in 2003 into a XXXX joint spousal consolidation loan. According to the new PSLF regulations, we would need to consolidate the loans under XXXX to get forgiveness, which we tried to do. XXXX said they won't do it because it was consolidated back in 2003. The fed govt stopped the practice of getting spouses to consolidate under AES, but we seemed to have been forgotten and are not allowed to join our fellow XXXX  in any relief because of what we were told to do by federal loan providers in 2003. 
According to the experts, the XXXX joint consolidation loans were found to be detrimental and so they stopped offering them, but now the providers have left the couples who were advised to take them out forgotten in the forgiveness program. 
We feel like we were lead into a trap and can not get out. We have served diligently in XXXX XXXX XXXX XXXX  for years and paid w/o missing any months. 
I am asking if you can help advocate for us to consolidate these loans under XXXX or start the complaint process as I truly believe there are more of us out there who are being treated unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items are unknown to me. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX AL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XX/XX/202XXXX XXXX  XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: Experian Information Solutions 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:
I was called by lawyers wanting to represent me in order to get rid of hard inquiries and derogatories on my account. I wasn't aware that there were hard inquiries and do none have contracts with these companies. Due to the fair credit reporting act, legally, these unverified and unauthorized items need to be removed. Please remove them. The accounts are as followed : 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
Consumer complaint received 2022-09-27
Company: CL Holdings LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back in 2017 I had my identity stolen and they charged a XXXX account using my information. From the account, XXXX sent the debt to collections before even reaching out to me ( which I had no information or access to the account ) and ever since then, the collection agency will call multiple times a year and sent letters about the amount owed. I have contacted the agency to tell them my information was stolen and sent them online police reports and that I should be fine now but they are still trying to collect. I have checked my credit report and there is no such outstanding balance/debt on my record so I am unsure why they keep sending me letters. The agency is called Jefferson Capital, with reference # XXXX and this has been ongoing since 2017. If there was an actual outstanding balance, it should show on my credit report and affect my credit but I am not seeing anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mortgage payments have been on time since XXXX, mortgage servicer transfer occured in XX/XX/XXXX. SPSS now the new servicer is unable to assist by reapplying funds which have been sent on time and ahead since before the transfer of the mortgage. Now instead of paying ahead, it looks like I am behind now on my payments, and the mortgage principle appears to be off as a result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TENET HEALTHCARE CORPORATION
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This complaint is towards XXXX XXXX XXXX of XXXX California billing department. 
I received my first billing statement for date of service on XX/XX/XXXX, in XX/XX/XXXX. My account balance at that time was {$6300.00} with no assigned due date, only states due upon receipt. I have made payments since then every month. They are as follows : XX/XX/XXXX : {$340.00} XX/XX/XXXX : {$150.00} XX/XX/XXXX : {$100.00} XX/XX/XXXX : {$150.00} and most recent payment on XX/XX/XXXX : {$500.00}. Current balance is now {$5100.00} Today is XX/XX/XXXX and as im checking online to make a payment for this month, there is a message on the portal stating there is no open account under my information provided. I immediately call the billing department and i am told that my account was transferred to a different department an XXXX, i asked if it was a collection agency, agent proceeded to transfer my call. Im confused as to why I am in collections! I spoke to collection agent and she informed me my account had just been transferred to them as of today XX/XX/XXXX. I informed her that couldnt be correct so i hang up the phone and immediately call XXXX XXXX department back. I spoke to one agent by the name of XXXX and she explained that my account was indeed in collections. I was upset at the fact that i did not get notice as to why my account was transfer to this collection agency. She couldnt help me any further so i asked to speak to her supervisor by the name of XXXX. XXXX was not able to help me in this matter either so i got transferred to his manager XXXX. I was on the phone nearly 1 hour and a half with this company trying to understand why my account was sent to collections. Im giving the reason you didnt make a payment arrangement. That is not sufficient, specially when i have been making monthly payments! They refused to help me by taking my account. I informed them i was not aware i had to be in a payment arrangement in order for my account to be out of collections. I offered to make an additional payment of {$500.00} for the month of XXXX and to be placed on a payment arrangement as on XX/XX/XXXX. I was told this is out of our hands. Very unfair as i was never informed of this collection matter nor was i given a call to given a heads up. This was just received by the collections agency today and im trying my hardest to revoke this situation as soon as possible and be able to make payment to XXXX XXXX XXXX. I was not treated very kindly and felt like i was not being listened to!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: COMMUNITY BANK SYSTEM, INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2021 I went to the dealership know as XXXX XXXX to look at vehicles. Found a truck I like, was convinced to do a loan. The loan interest rate I was told was 4.9 % then was switch without my knowing to 6.4 % interests. Not only that but my loan and contract was signed between me and the XXXX XXXX no other interested party signed the contract. Yet they gave/sold my contract to Community Bank N.A of XXXX NY but they never signed or agreement directly between me and this Community Bank N.A . 15 usc 16 if no meeting of the minds and no wet ink signature from security interested party than the contract is void and unlawful. The loan is Fraudulent and highly preditory lending. Im paying under threat, duress and coersion. I never signed a contract with Community Bank N.A they simply used my credit and tried to charge me for a loan on an automobile that was never there's to begin with. Can't buy debt with debt. Corporations can't loan debt or credit. They are the trustee, I am the beneficiary and consumer. I gave myself a loan with my credit. You can't loan me money if there is no lawful money. HJR 192 all debts public and private belong to the United States of America. I signed a contract retaining all my rights ucc 1-308 all rights reserved. The alleged automotive loan is fraud and in violation of 15 usc 1605 ( a ). 15 usc 1692 ( d ). 15 usc 1635. 15 usc 1603. 15 usc 1692A. I've sent several certified mailings asking for them to show proof there is valid debt or loan amd if they cant prove in writing to cease and desist from reporting andcattempting to collect this debt. I also sent them certified mail letter explaining that they have 20 days to pick up said vehicle or it will be considered an abandoned Motor vehicle and under PA law would be lot fee for every day that it sits. And to get it back they would need to pay the fees and return my alleged Down payment they Fraudulent stole of {$2800.00}. {$16000.00} of lot fees. Community Bank n.a Failed to respond to any registered mail sent affidavits in XXXX, XXXX and XXXX asking to validate the debt and to cease and desist from reporting this fraudulent loan on my consumer credit reports and stop trying to collect on an alleged debt that they were paid from the Treasury for from my credit. As we all know an unrebutted Affidavit after 30 days stands as truth in commerce Under the Uniform Commercial codes, and 15 usc, fcra.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: CAVALRY INVESTMENTS, LLC
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My XXXX was called by Calvary Portfolio Services and was told I have a {$600.00} debt with XXXX. I do not have any debt with XXXX and there is nothing on my credit report that indicates I own them any money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2022-07-30
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On the morning of XX/XX/XXXX I logged into my and my husbands checking account to check the balance and to prepare to make a consumer loan payment. The account had a negative balance. We have a joint checking account, consumer loan account, and the overdraft account all with Truist Bank. On XX/XX/XXXX a phone XXXX transaction was made in the amount of {$1500.00}. This threw the account into overdraft. I also had a {$36.00} overdraft fee. I immediately called the phone XXXX to speak to someone and attempt to find out who authorized the transaction. The amount was for two payments of the consumer loan. The first person that I spoke stated that my husband authorized the transaction. I explained to her that " no '' my husband has XXXX and has been in the bed and talked to no one on the phone. The call was disconnected. I again called back and explained the same thing. Again was disconnected. I was disconnected four times. On the last phone call I was told that it was with the consumer loan department and they were closed today. The lady told me at first that she would request a refund but that the refund couldn't be done until Monday. Then she changed her story and said that since the consumer loan account was behind they wouldn't refund the money. She stated that she would contact me back on Monday. I then contacted the local Truist branch via phone in XXXX, NC and spoke to a Banking Rep and was told that Truist has the authorization to take the money from my account. I told her that my husband had contacted Truist loan dept several months ago to get assistance with the loan as we were having some financial issues. He was told at that time that they could not assist. We explained that we would try to get it caught back up as soon as possible. I told the banking reps the same thing. She said that they would have assisted us if we would have told them back several months ago. I then told her that again we could get no assistance. The account was only 30 days past due as XXXX has 31 days and we were only on day 29 when both payments were made. Truist bank made a potentially life threatening transaction and needs to be held accountable. They left us with no funds available to secure any needed groceries for the week, no gas to drive to work, and with XXXX of us just getting over XXXX, the other two days positive into XXXX. If someone could please advise if we have any recourse to take towards Truist Bank it would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-30
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I HAVE ATTEMPTED NUMEROUS OF TIMES TO HAVE UNAUTHORIZED INQUIRES REMOVED FROM MY EXPERIAN CREDIT REPORT. I HAVE SENT LETTERS, CALLED NUMEROUS OF TIMES AND I ALWAYS GET HUNG UP ON WHEN I ASK TO SPEAK WITH A SUPERVISOR. I HAVE ATTACHED A FTC LETTER WITH ALL OF THE INQUIRES THAT WERE NOT AUTHORIZED BY ME. BLOCK AND REMOVE THEM

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2023 I submitted a dispute regarding identity theft accounts that on my credit report I also reached out to the credit card companies for validation of debt and they have refused to do so. Each time I dispute the accounts instead of removing them they add late payments or adjust the payment history/dates on the accounts. I have been researching and looking up my rights as a victim of identity theft and also as a consumer I am entitled to protection under FCRA law section 623. I am entitled to a reasonable investigation. My rights under 15 USC 1691, 12 CFR 1022.41, 12 CFR 1022.42 they creditors reported information with actual knowledge of errors, 15 USC 1681s-2 have been violated.

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