BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: MI
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. 

State of Michigan Child support, # XXXX, State of Michigan Child support : # XXXX, State of Michigan Child support : # XXXX, XXXX XXXX, 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 7 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 explanation
Consumer complaint received 2017-04-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian is continuing to reporting my old last name and addresses on my credit report that I do not want to be associated with. I have been divorced and need my old last name removed from my credit report as I have updated it with all my creditors.     Please delete the following names :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Also, delete the following addresses :  XXXX   XXXX   XXXX    XXXX   XXXX   NJ  XXXX  ( I have not lived at this address in over 10 years )  XXXX   XXXX   XXXX   XXXX , NJ  XXXX  ( This is my daughters old address. It should not be 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 2015-05-19
Company: Fay Servicing, LLC
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had an insurance check for work to be done in our bedroom that was made out to us and our mortgage company Fay servicing. We received the XXXX disbursement and were told when we were XXXX done with the work that they would send an inspector out. After the inspector came out the next XXXX would be disbursed. We called 8 days ok and no one has called us to set up the XXXX inspection. After calling Fay servicing over XXXX times and email contact we have no resolution on when they will conduct the inspection. We have had our entire bedroom crammed into our living room for over three months. The lack of response from Fay servicing and timely assistance has been unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
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: Old information reappears or never goes away

Complaint:
To Whom It May Concern : I disputed these items last month. When I pulled my new credit report today on XX/XX/2021 these items was previously deleted, and now re-inserted my credit report. You did not notify me within XXXX business days that it was re-inserted on my credit report and because of this section FCRA 611 violation, the account needs to be removed.Send a new credit report to me showing this deletion. 

Thank You, XXXX. Validate Account U S DEPT OF EDXXXX Account Number : XXXX Please delete it from my credit report immediately XXXX. Validate Account U S DEPT OF EDXXXX Account Number : XXXX Please delete it from my credit report immediately XXXX. Validate Account U S DEPT OF EDXXXX Account Number : XXXX Please delete it from my credit report immediately XXXX. Validate Account U S DEPT OF EDXXXX Account Number : XXXX Please delete it from my credit report immediately

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I actually have XXXX private loan and XXXX Stafford loan service through American Education Services. I am trying to pay above and beyond on the loans and they have messed up the form XXXX times. I have been in contact with them at least XXXX times this month. They have consistently gotten bank account information, amounts, etc. incorrect and have almost overdrafted XXXX my accounts several times. I do not believe it is unreasonable to not expect to sit on the phone every single night for hours to get this right. I am EXTREMELY happy with other service providers and only want to move my loans to these providers and not AES.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had a bill come out early by two days and they overdrafted XXXX items in one day starting at a XXXX dollar purchase. I am now in XXXX $ in over draft charges when my purchases were not even a {$100.00} total. Refused to refund any of the charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-24
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I received a loan from XXXX XXXX XXXX, which was backed by XXXX XXXX. Both companies went bankrupt one year later. I did n't receive loan information for several years, as it was being mailed to my parents home, not my current residence. When I tried to discuss my options, the company that took over the loan, American Educational Services, said that they had already put the loan in default, so I could start paying down my debt but at any moment the loan could go into default. The default notice was sent in XXXX. I spoke to them personally for the first time in XXXX. They will not talk to me about my payment options until the loan goes into default, which is entirely unpredictable at this point. In the meantime, I continue to get hits on my credit report. I currently have a nonprofit career and likely would have had IBR if I had information about the loan from the beginning. The amount to pay to fix my credit is insurmountable, and I want to start law school and eventually gain bar admissions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: STERLING JEWELERS, INC.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
They are calling before or at XXXX and after XXXX and repeatedly calling every hour on the hour.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Bread Financial Holdings, Inc.
State: CO
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:
In XXXX I made a payment of {$880.00} to fully pay off my account. The money was taken out of my bank account and showed that I owed nothing on my credit card account. 
A week or so later I checked the account and it showed that I still owed that amount on the account. 
I called and sent messages to Comenity and they started an investigation. Everyone kept saying that it shows that the payment was made and I just happened to make the payment while their system was in transition and it would be figured out soon. 
After many calls, and many messages. They still have not fixed the problem. I have shared my bank statements and everything they may need. But nothing has expedited the process and I am still having to pay every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: Mel S. Harris and Associates, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
my mom got a letter in the mail from mel s harris assoicates she is XXXX years old and they threaten to close her bank acounts she paided off the debt of XXXX dollars all she gets is social security and a pension, She was paying XXXX a month, my mom has know saving account she lives paycheck to paycheck, The debt was with housebank for XXXX in 2004 they threatened to close her bank accounts she gets direct deposit thats why she paided the whole amount and they never served her with papers

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: CONTRACT CALLERS INC
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I did n't receive a notice of right to dispute. I sent Contract Callers a letter over 30 days ago about this account and the original creditor information and have n't not received any information. Also, I wanted this collection agency provide proof that they have been given the right to collect the debt or they have purchased this debt. Per FCRA, I have the right to sue this collector for reporting negative information without validating and providing false information.If this account is not deleted I will file a lawsuit.

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 2015-05-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax will not remove my public record of bankruptcy filed on XXXX/XXXX/2008 which was dismissed. Florida Bankruptcy Court told me that it would only remain on my credit report for 7 years from filing date. All other reporting agencies automatically removed it after 7 years from XXXX/XXXX/2008. I disputed that dispute and they only confirm that it is correct and will not remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: COAST PROFESSIONAL INC
State: FL
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was never contacted about a debt ( that I do not owe ) from the Department of Education. the debt i 'm told starts from 1994. All of a sudden my wages are being garnished. I had no knowledge of ANY debt owed, and I was not given an opportunity to communicate with anyone to either confirm or deny that I owe anything, but instead the order was sent to my employer. If anything was mailed to me, I never received it. Absence of a response does n't mean I owe anything. I was never given a chance to defend myself. And now out of the blue, I have to figure out how to pay my rent!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Since XXXX XXXX, 2016 when my credit score was XXXX, it has dropped to XXXX as of XXXX XXXX, 2016. Equifax has taken deleted information from my credit report and re-added it. They have also taken accounts such as XXXX XXXX and duplicated the account. Equifax is looking at other credit reports and adding the information to my report. they have also added a XXXX account more than 10 years old and re-added to my account after it was off more than 3 years. They have added accounts I have disputed using the FTC Fraud statement report and re-added. I have XXXX XXXX accounts that have been deleted twice now back on my report after I submitted the XXXX for those accounts. 
Equifax has caused me hardship due to this and I have been unable to work or find housing because of their lack of reporting correct information and casing me to dispute this information each week. 
I will be contacting the Attorney General of Texas and filing a lawsuit due to these errors on their behalf. 
Please review my XXXX XXXX, 2016 report vs XXXX XXXX, 2016 and look at the clear difference. XXXX card is fraud and is more than 7 years old. The XXXX is more than 10 years old. XXXX XXXX XXXX XXXX was also re-added and is fraud. 
Equifax needs to explain how did the obtain this information, when was it added and why was it added? 

Why do I have to continue to fight with them? I have attached all the disputes and which ones was deleted by Equifax. I have attached the company and person who used my XXXX XXXX account as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I attend University of XXXX XXXX in XXXX XXXX, California. I have had accounts with Sallie Mae for a couple years, regarding my student loans. However, throughout the past semester I have been locked out of my account a minimum of XXXX times, requiring me to call customer care and unlock my account. Then I am put on hold for absurdly long time periods for a conversation with an agitated employee that lasts about 2 minutes. Last week I tried to call because I could n't make a payment, in one day I spent over 2 hours on hold with them and never got through. I even waited for 45 minutes the last time before I finally gave up. Because I do n't have time to sit on hold, I have been unable to make a payment as I am locked out of my account. Now they call me with a recorded voice at least XXXX a day, every single day and leave voicemails. I tried to call again this morning and was put on hold for 20 minutes before I had to go to class. It is extremely frustrating, and believe me, I would like to make a payment as badly as they would like me to make a payment.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
House was under contract with a buyer. This was reported to 5/3rd bank. A letter was signed and submitted stating the house was under a contractual agreement. A 5/3rd bank representative misinformed the seller that no last payment was needed. The buyers financing fell through and contract was extended another 2 weeks. 5/3rd bank sent a letter for 30 day late payment and updated sellers credit report to reflect this. When a complaint was submitted with 5/3rd bank they stated late was verified. No resolution was made and now my credit is damaged by the misconduct and miscommunication of their uninformed representatives. They refuse to remove the one 30 day late and as a result I can not refinance my current property that is through a different lender. This needs to be corrected and is causing great harm to me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: Paypal Holdings, Inc
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Paypal limited my account for no valid reason. They are holding my money hostage, which I earned from ebay sales, fraudulently. I need this money to provide for my business and my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: The Regional Adjustment Bureau, Incorporated
State: VT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I received a letter from XXXX ( XXXX ), threatening a tax offset to pay for a defaulted private student loan balance. Under the FDCPA, a private loan lender can not seize tax refunds. Those actions are only available in collection 's on Federal Student Loans.

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 2015-07-16
Company: SLM CORPORATION
State: LA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I co-signed the loans for my daughter. They send a reminder via email monthly-before the payment is due. They have misapplied payments numerous times in the past 2 yrs and drive you insane trying to get somebody on the phone to fix it. The woman yesterday blamed my daughter for them not applying the payment correctly. She was rather insistent that my daughter do a phone payment ( bear in mind she was n't even past due ) and urged her to do auto-draft. My daughter told her she would pay online, while she was on the phone. Her letter has XXXX amount-the woman on the phone is telling her a completely different amount due and can not justify why the difference. My daughter hung up on her, after giving her the information for her phone payment. Today they have started the day off at XXXX on my phone with an automated message to call a person that is non-existent. I know that is illegal in the collection agency world so I do n't see how they get away with that. They called my daughter at almost the exact time. She called and got somebody that informed her that the woman yesterday did n't code the account correctly. My daughter explained that she paid online yesterday and the money has already been taken from her checking account. They said the calls would continue for up to 48 hours! That is outrageous-total harassment! They have since called my phone XXXX more times by XXXX. Sallie Mae is going above and beyond to harass my daughter when she has proof that payment was made and the account is XXXX up-to-date. And unfortunately I can not check all XXXX boxes below, but they are NOT handling payments correctly, phone calls persist after we have confirmation they have received them and Customer Service is poor ( at best ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Credit Plus Inc
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are multiple inquiries on my credit report from this company. 
I did not authorize any inquiries from this company. 
Apparently someone has access to my personal information, i did inform this company that my personal information had been compromised in the past, yet they still continue to report this erroneous information, and have allowed my personal information to be pulled multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: Consumer Portfolio Services, Inc.
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
My car is financed through a company in California called CPS. I have had my car for a year and a half and they are not reporting it on my credit at all. I told them they can come get it since they will not report to credit like they said they would and they told me that if I did n't pay it than it will go against my credit. So I pay my payments every month on this car but if I do not pay them than they will put it on my credit. This is not right what this company is doing. Something needs to be done about this. I only got this car to build my credit score up and now it is not even being reported to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: Consumer Portfolio Services, Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a XX/XX/XXXX Nissan Sentra in XX/XX/XXXX for XXXX dollars. My down payment was {$1500.00}. My payment was XXXX. My car was totaled in XXXX XXXX. I paid {$8400.00}. I still owed XXXX. The interest rate is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Advanced Collection Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
call me about twice a day and i have asked if they would take a lower payment amount and they said they will have to take the full amount and cant make payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have sent Midland Credit Management three letters to find out if they have proper legal authority to collect, proper transferee of ownership, Request first date of default as determined by XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-27
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card
Issue: Balance transfer

Complaint:
I was expecting some resolution from HSBC moths ago about a money Transfer done in XXXX 2016. HSBC said that it was going to be result withing 8 weeks an still no answer, when I call costumer services nobody know anything about my case and I have left more than 10 voice MSG to the person in charge according to the letter attached. I dont understand why a bank will treat costumers this way

Company response to consumer: Closed with explanation