BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: AZ
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:
I'm going through a hardship right now due to being laid off of work. I explained to Mountain America Creidit Union that I was going through a hardship. They placed an extention on my account to miss a month and extend the payment due for 30 days and if I needed more time, to communicate with them. I paid after the extention, the regular car payment. I was falling behind again on the current payments because I just got another job and wasn't going to be getting paid until another 2 weeks. I was sent an email XX/XX/2023 to call Mountain America as soon as possible. I talked to a rep from the bank and told her that I wasn't going to be getting paid until 2 weeks. She said " Ok thank you for letting us know, I'll make a note that your going to be paying in 2 weeks due to getting a new job and having a new payday. '' I also was not told that she was a Senior collector, so I was under the impression that she was a loan officer. She said " we just want to check in to make sure everything is going ok and thank you for updating us. '' She did not tell me that they were going to automatically take out the full payment from my account the next day for XXXX. I had checks pending for utility bills that I had already made arrangments with. Those checks bounced and the bank charged me XXXX non sufficient funds fees XXXX each and my utilities got shut off. If I was told on the phone call with the XXXX  collector that the money was going to be taken out automatically the next day on XX/XX/2023, I would have changed the arrangement made with the utility companies. It was misleading for the XXXX  collector to tell me " thank you for letting us know, I'll make a note of that '' because I was under the impression, the note she was making was an agreement for me to pay in XXXX weeks. I called the bank and was told if the account goes 45 days late the bank takes out the money automatically. I explained to them that an extension was put on the account due to my hardship and the extension was for 30 days and should not be added into the 45 day count down for automatic deduction from my account. I was told " sorry we can't help you ''. I don't think it was fair for the bank to make a hardship agreement with me but penalize me when I was still curently in the hardship and not explain to me thoroughly what the terms were of the XXXX extension on my account. It was also not fair for them to charge NSF fees twice for money they took out automatically without my authorization or even a notification to let me know it would be deducted from my account. I would have been aware and would have stopped the arrangement with the utilities company who at the time was willing to work with me. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
PayPal credit Synchrony bank claims that an ACH payment attempt was made on XX/XX/2023 through my XXXX  bank account and returned unpaid. XXXX  has no record of the XXXX attempt. PayPal/Synchrony is unable to explain the failed ACH attempt. There is a {$30.00} charge placed on my account. I have been paying my monthly payment with this same method for years. After a phone call on XX/XX/2023 Synchrony bank has received payment directly from my XXXX  account. 

Also PayPal Mastercard has an issue with excepting payment through their website portal. I have spent over an hour on the phone with PayPal and Synchrony bank neither of which can explain the failed ACH attempt or the failure to except payments through their online portal. 
Synchrony bank claims that they will remove the {$30.00} fee, but I have not seen the return as yet. 
I have spent over an hour on the phone with PayPal technical support with no resolution to the payment portal issue or the failed ACH payment.

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 2023-10-26
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
I am writing to express my deep concern regarding the inaccurate and incomplete information that has been reported on my credit file by your agency. It has come to my attention, upon reviewing my credit report, that there are discrepancies and errors that need immediate attention and correction. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: Bridgecrest Acceptance Corporation
State: CA
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 BRIDGECREST ACCOUNT # XXXX HAS VIOLATED MY RIGHT.

15

USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURSHISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION. 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIR CARD ACCOUNT UNDER AN OPENEND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPO
SE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

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 2023-12-08
Company: EdFinancial Services
State: MI
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:
EdFinancial student loan servicer is terrible and are mishandling my money. I had a {$200.00} payment made on my behalf by my employer to EdFinancial on XX/XX/2023. The payment was only applied to the highest interest loan rather than applied to the monthly payment even though the payment was made after the billing statement was issued on XX/XX/2023 and my account showed the full monthly payment was due. I have submitted an email request to have the funds reallocated to cover my monthly payment sometime XX/XX/XXXXand never received a confirmation that the request was received or being worked on. On XX/XX/2023, I called and verbally requested the re-allocation. The phone rep submitted it for me and had no comment about my email submission having no response. I called again on XX/XX/2023 asking why the re-allocation had not been done since my payment was due on XX/XX/XXXX. The phone rep then said she'd re-request it and set it as an " emergency '' to get done. She told me that my going to be " delinquent '' payment wouldn't show up on my credit this month because we have 12 months of non-credit reporting time. As of today, XX/XX/XXXX, the re-allocation has not been completed. My account now shows past due, even though the XX/XX/XXXXpayment was made and XX/XX/XXXX payment due date isn't until XX/XX/XXXX. I can't get ahold of the phone reps since there are like 60 calls ahead of me and it " may take more than 24 hours to return calls. ''

Company response to consumer: Untimely response
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX. I have several fraudulent inquiries on my consumer report. I have reported identity theft to the FTC.

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 2023-02-21
Company: U.S. BANCORP
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
On XX/XX/23 I attempted to deposit {$260.00} cash through a US Bank ATM using a non-USBank card. The ATM malfunctioned and produced a reciept stating it was rejected, and the cash was not returned nor the funds added to my checking account. I immediately went inside and was told to call their customer service number. I then proceeded to talk to customer service, the dispute line, and somehow ended up with the employee line for US Bank ATM problems. They told me I would not receive my funds unless I filed a dispute through my bank XXXX XXXXXXXX XXXX ). I then called my bank, who began to file a dispute. They were unable to, as the transaction did not even appear on my bank statement as a declined transaction. My bank physically can not file a dispute on a charge that is not on my statement. Even so, I filed one anyways and went through the whole process only to have it denied due to not being on my statement. I then called XXXXXXXX XXXX customer service, who still agreed to file an escalated dispute on top of the original one. This one was also denied. 

The day it happened, I went into the bank and spoke to the manager who was very helpful. He documented my name, address, and all details of the situation for his records. He then said he would email me copies of the ATM count showing it was {$260.00} over, as well as email US Bank corporate on his end, which he did the following Thursday after the incident.

I have the receipt from the transaction, the ATM count as a PDF and a copy of the email from the bank manager, all other communications between me and the bank manager, and proof that the funds were not returned to me through my bank statement. I have been dealing with this for nearly two months. I have
called endless time and emailed multiple times, having records of all email correspondence. I am paycheck to paycheck, and this is a lot of money to be taken and not returned from me. I am not sure what to do now, but I am continuing to try and file ANOTHER dispute. US Bank customer service has been nothing but rude and unsympathetic to my situation, and have provided no help whatsoever, aside from the bank manager at the location.

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 2023-09-17
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXXXXXX XXXX XXXX was paid in full. Equifax was still recording a balance. So I send them proof of balance paid. Equifax not only increased the balance owed by {$50.00} they closed lowering my credit score by XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions 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:
This is my continued request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 2023-12-08
Company: Experian Information Solutions Inc.
State: TX
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:
My student loan was paid off in XXXX with the Public Student Loan Forgiveness Program, just over {$39000.00}, which is over 40 % of my debt. XXXX states they report the status monthly and the credit reporting agencies have up to 90 days to make updates. It has been over 90 days since they were notified and they still show me owing that debt. I submitted the letters and balance information from XXXX and they processed the disputes but determined not to change any of my information. I gave them all supporting documents I have access to, and according to XXXX they have sent the documents to them but they are unwilling to remove the debt from my report. They still show the entire balance as active.

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 2023-11-10
Company: Select Management Resources, LLC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I do not understand how to pay XXXX by XX/XX/XXXX I need help, the personal does not help me at all They say You have to pay That money, period. 
I do not want to lose my car

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: MARINER FINANCE, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On the photo attached this bank has three different dates when things were reported or discontinued with this car loan its been almost XXXX XXXX years that Ive tried multiple times and they did sell it to the collections agency but this one is still showing on my credit report, it needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, 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 submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 checked my credit report in trans union credit Bureau I found something suspicious that i didn't recognize it is called XXXX XXXX they did a hard inquiry without my approval this was on XX/XX/2022 I tried calling them to find out the issue the number was a scammer when i try to reach a representative they hang up on me few times their number that is listed in Trans union is XXXX address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX please track these scammers and send me a letter for that to ask the credit Bureau to remove them from my records

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 2023-06-10
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:
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 XXXXXXXX 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 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 XXXX 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 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 2023-11-26
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have recently reviewed my credit report and discovered the presence of variations of my name that are incorrect and potentially damaging to my creditworthiness. The inaccurate variations include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is imperative that you rectify this situation promptly by removing any names on my credit report that deviate from my full and legal name, XXXX XXXX XXXX. Failure to do so not only constitutes a violation of the FCRA but also exposes Experian to potential legal action. 

The FCRA, under Section 1681s-2 ( a ) ( 1 ) ( A ), requires consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information they report. The inclusion of incorrect variations of my name is a clear violation of this provision! 

I am requesting the following actions : Immediate removal of all incorrect variations of my name from my credit report mentioned above. 
Confirmation, in writing, that my credit report now accurately reflects only my full and legal name, XXXX XXXX XXXX. 

A free copy of my updated credit report sent to my address once the corrections have been made.

Please be advised that if these corrections are not made within 30 days from the date of this letter, I reserve the right to pursue legal action for violations of the FCRA. This may include seeking damages for any harm caused to my creditworthiness as a result of the inaccurate information. 

I expect your prompt attention to this matter and appreciate your cooperation in resolving this issue. You can contact by mail at XXXX XXXX XXXX XXXX XXXX MO XXXX to communicate any updates or to request further information. 

Sincerely, 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