BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-17
Company: Bread Financial Holdings, 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 information incorrect

Complaint:
Company continuously delays reporting information timely to all 3 credit reporting agencies and/or producing billing statement. Correct information on one report and incorrect information on the others. Current balance, payment history, and date of last payment needs to be updated on all 3 reports consistently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: Jon Barry and Associates, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My wife contacted this company. They asked for my account number which she provided. They then verified the year I was born and proceeded to provide her with all information on my account. I have never given them permission to speak with her and they never verified my ssn or any other identifying information even after she told them I had never been treated at the hospital they were collecting for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: EQUIFAX, INC.
State: DC
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:
For years the account was reported at a higher amount than the actual amount by the credit reporting agency 's. Its now Paid in full and is being reported as both paid in full and as a write off Legally Per the FCRA a item can not both the Account XXXX is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
For years the account was reported at a higher amount than the actual amount by the credit reporting agency 's. Its now Paid in full and is being reported as both paid in full and as a write off Legally Per the FCRA a item can not both the Account XXXX is listed as 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 2019-12-02
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recieved a letter from a lawyer stating that I am in default for my mortgage with BBVA. this was dated XX/XX/2019 it states that I need to pay XXXX before XX/XX/2019. it also states that I need to call the bank and make sure that the numbers were correct before submitting payment. I have since made arrangements to have the necessary funds available and reached out last Friday XX/XX/XXXX to make sure I had the correct amounts. first I went to the branch ( XXXX, Alabama ) and sat with the manager for nearly an hour to try and maker sure I had the right amount. he was unable to get me the number. I then sat on hold for nearly an hour trying to get the information over the phone to no avail. after numerous calls I was told by a bank representative that the information would be emailed before the end of the business day. This Morning XXXX the XXXX I called the lawyers XXXX, XXXX XXXX XXXX, XXXX. and spoke with XXXX XXXX XXXX who assured me I would have the information before the end of the day. I called back at XXXX and left a message but have received no information. I sent a secure message through BBVA 's XXXX application today and received no response. I sent a message via BBva 's XXXX  XXXX  and received a response that they tried to call me and sent an email. neither of those things are true. I now have three days left to resolve this issue or they say they will foreclose on my house. they are with holding this information intentionally so they can take my house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On or around XX/XX/2022, I received my TransUnion credit report and noticed they are inaccurately reporting XXXX an current open line of credit with excellent payment history as an account in dispute. I have never contacted TransUnion or XXXX and disputed XXXX line of credit. In addition, TransUnion/XXXX  refused to report any payment history for this account or current balance left this information blank effecting my debt to credit ratio, effectively impacting the credit scorXXXX. I believe this reporting error is intention and designed to lower credit scores of Americans of XXXX descent. I want the CFPB to investigate this deceptive business practice and find out how many Americans of XXXX descent are being impacted by this deceptive reporting practice and hold XXXXTransUnion accountable XXXX I also want the CFPB to enact and enforce laws to protect consumer from this type of abusive reporting practice designed to lower American of XXXX descent credit scores.

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 2017-06-15
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX   Experian Re : unauthorized inquiry To Whom It May Concern  : I would like to dispute an unauthorized inquiry from  XXXX   XXXX  made on  XXXX / XXXX / 2017 . I checked my credit report, which I acquired from Experian.   I have contacted  XXXX   XXXX , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,

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 2022-09-11
Company: EdFinancial Services
State: MO
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:
In XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of Biden 's Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but they notified me that the processing times would be more than 6 months to a year. I was a pell grant recipient and am therefore eligible for XXXX in forgiveness.Throughout the pandemic I paid almost $ XXXX payments. Im worrying that I cant take advantage of the new forgiveness. 
It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX  are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account and they even got refund into their bank accounts. What's worrying to me is that the application for forgiveness starts in XXXX and edfinancial won't be processing any of these in time for us to receive forgiveness. They stated that our loan balances won't be reinstated until the refund is processed which unknown time, while the interest rates and payments will resume again in XXXX. 
They didnt send out confirmation emails or anything to prove that they send in our request. I understand that the process might take long, but it's very concerning to me when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Other people 's loan providers reinstating their balance after requesting it just 36-72 hours later and got refunded after couples days later that makes me very concerned that this company does not have our best interests at heart. This money is life changing for me, so I really looking forward to get back as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: LA
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient told me that I would qualifying for a federal forgiveness program. But when I got the paperwork completed with my employer and the federal government, I was denied. Navient NEVER provided a reason and after 2 years of trying to figure it out, I am now consolidating my loans to qualify for the program though that will be 2 years I could have put towards the federal forgiveness program.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. '' should be excluded from consumer report. I demand that XXXX, XXXX, and Equifax remove these transactions from my reports immediately as they are a violation of my rights as Federally Protected Consumer under 15 USC chapter 41.

15 U.S. Code 6801 - Protection of nonpublic personal information Pursuant to 15 USC code 6801 ( a ) ( 1 ) ( B ) ( i ), I did not give my permission to any company to furnish my reports to any consumer reporting agencies.

Pursuant to 15 U.S. Code 1681d - Disclosure of investigative consumer reports, the consumer has a right to prohibit information contained in the consumer 's file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer. 

XXXX, XXXX, and Equifax have been reporting consumer credit transactions without the consumer 's authority. Congress did not give them authority. Pursuant to Fair Credit Reporting Act 602. ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers. 

With all the information provided above for example, XXXX, XXXX, and Equifax have been reporting without my consent a case that is in XXXX since XXXX. The alleged attorney claims to be representing XXXX  XXXX XXXX and the Trustees. This issue has caused me to be ineligible for COVID Small Business Loan. The max cap was {$500000.00}. I'll be providing this evidence when I am ready to assess actual damages. BUT NOW I AM GOING TO BUY A CAR SO I DO NOT NEED THIS CREDIT ISSUE TO HAPPEN AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2017-06-15
Company: AES/PHEAA
State: PA
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:
My student loans were paid off through wage garnishment two years ago. My credit report is inaccurate. When i disputed they changed my status t o 180+  days late and my score dropped.  AES will not remove these paid off accounts and they added false info when I filed a dispute.  The same loan is also on my reports multiple times. I dont know where to turn.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
{$15.00} Date XX/XX/2018 XXXX XXXX transaction # XXXX XXXX AZ XX/XX/XXXX ( ... XXXX ) This company was one I used in the past. I have cancelled all services and was recently charged. I orginally established the account with an old phone number. They demand to send me a pin via text in order to discuss the account in length. I am unable to update my phone number myself through my account or with them on the phone. They demand that I fill out a document, which I filed, in order to bypass their requirements. I have filled out this form and nothing is moving forward. 

They charged me last year, I gave up on disputing it because they made it too difficult, never recieving the form. 

They want me to do the same process which I believe is going no where again. 

When I explained what happened the representative hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Experian Information Solutions Inc.
State: NY
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 noticed an account open on XX/XX/2018and It was not possible for me to open an account because I was in XXXX XXXX with the police as I was getting away from my ex partner and a victim of XXXX XXXX. I was also in the hospital as well. I believe he stole my information and repeatedly tried to open fraudulent accounts

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 2022-08-08
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was approved for the HAF Home Owners Assistance program 18 months forward payments. My mortgage company is claiming they have not received any information or payments from HAF but according do the XXXX they have so theyre lying.

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 2017-06-15
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
AR  Resources  is reporting negatively to my credit report. I do not have a contract with AR  Resources  nor are they licensed to collect in the state of Florida due to their license being expired. I 've contacted AR  Resources via th e  XXXX  major credit reporting agencies requesting validation and verification of this debt by contract. I have not received such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, 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 am writing today because I am shocked on how poor attention and lack of investigation XXXX, XXXX, and Equifax has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below inaccuracies : XXXX XXXX XXXX account number XXXX The first error date open XXXX is reporting XX/XX/2021 while XXXX and Equifax is reporting XX/XX/2021. 

The second account status XXXX is reporting closed, Equifax and XXXX is reporting open. 

The third error payment status XXXX and XXXX is reporting collection/ charged off while Equifax is reporting late 120 days. 


The last error credit limit XXXX and XXXX is reporting {XXXX} and Equifax is reporting {XXXX}. 

I have sent numerous letters to these three credit bureaus and they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G. There has been numerous inaccuracies with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
In XXXX I inquired at the XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. I was lead to believe that I would be making potentially 6 figures in 2 years or less if I went to their school. I signed up for both in person and online classes. The school not only maxed out my borrowing for loans but forced me into private loans to buy equipment and supplies that were not included in the tuition. They are a for profit school. I was a single unemployed new mom and they preyed on that. Although I struggled I was on the deans list and keeping my grades up. I received a phone call from the school after {XXXX} in private loans were forced on me to take out to pay additional expenses and the school maxing out student loans I was told, the program was only eligible to receive loans for 2.5 years and I will need to pay cash for my upcoming semester in the amount of {XXXX} +. I have been put into bankruptcy and left potentially homeless with no way of ever being able to dig myself out of the financial burden the XXXX XXXX XXXX XXXX in XXXX Indiana imposed on my life and future. They promised job placement and they lied about graduation and success rates, they misrepresented fees and costs, filled out loan paperwork on my behalf. I attempted several times to get some kind of forgiveness for all of loans and continuously denied by the loan servicer, which was XXXX XXXX and navient. I have been gainfully employed with a government position for 8 years, still because of student loans not able to afford daily costs of living with loan services wanting unaffordable payments a month that excess far beyond what my salary allows me to afford. Student loans are not my only debt or bill. I am a single mother of XXXX XXXX XXXX XXXX and live with my parents. If the XXXX XXXX XXXX XXXX  had not misled and blatantly lied, I would not be in this situation which has inevitably ruined my life and future and potential of giving my daughter a future and stability. After being employed in public service for 8 years my payments for pslf have been recalculated with a pay off year of XXXX. How is that possible when Ive made payments since XXXX and pslf is forgiveness in 10 years and Ive already been employed for 8? 

The private loans still being serviced by navient are apparently unforgivable under any circumstances or misleading by the so called college that demanded {XXXX} cash after lying to me for 2.5 years and. I can not make or afford payments of $ XXXX a month and feed myself and my child, put gas in my car to get to work or pay other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I filed a dispute with XXXX and the Credit Company. I sent 2 letters to both entities I have requested an answer to unauthorized charges that I refused to pay off. 
XXXX offered a credit due to the inconvenience and I asked the card to put an identity theft alert and the first time they apologized and blamed the first customer service representative. The second time I was told that unauthorized charges are theft when a beautician practices were shady at best. I kept her present from my birthday and told me I could smoke if I let her do my hair for an event on my birthday. When at the counter my charge was double and told the beautician I couldnt go over XXXX and was quoted a XXXX and paid that to the credit card company but the rest as I said to the teller and refused to sign and ignored and processed a card not in my legal last name or address in file and walked out. I was under the impression the manager would reach out and until I seen double on my bill i called and they still refuse to give me the investigation and XXXX will give a credit and thats fine they can than pay the balance for unauthorized charges without a resolution and ignoring every complaint. admitting and giving a credit on email and being charged and hit on credit card is illegal and want this resolved please. my last attempt to arbitrate a illegal transaction and failure by a credit card to shut down a card or resolve any issues showing my signature. Why? there is not one and refused and the beautician needs to speak up as she remembers and needs to be honest when a client cancelled on her and told me she had time to play. 
XXXX

Company response to consumer: Closed with explanation