BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: CA
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:
In XXXX of 2022, XXXX  XXXX XXXX 's online bill pay system sprouted some technical bug, due to which it misses the last digit " XXXX '' of my primary bank- XXXX XXXX XXXX - account number. I had autopay set up on my XXXX  card with the very same XXXX XXXX account number for years now. Due to this, there was an approx. {$13.00} missed payment which I did not notice ( since autopay was set up! ), which cause a XXXX point drop in my credit score. I have never missed or had a late payment before in the last 7 years of banking with them ( or any other bank for that matter ), and I never carry a credit balance. I promptly paid off the {$13.00} as soon as I noticed the issue, the month after the payment was due. 

When I called XXXX customer service countless times to resolve this, they have been unable to fix the technical issue, and they have refused to fix the mark on my credit report for an error that is due to their system. If their customer service uses the same XXXX account I have saved/linked on my account, to make a payment over the phone, that process just fine - So it is 100 % not an issue with an incorrect account number or any such thing. I am lost now, and have been unable to escalate this to someone who can actually make a difference. Extremely frustrating. 

Next, I disputed this transaction with the credit bureaus, explaining the technical glitch that XXXX has and has been unable to resolve for me, yet Experian ( and the other 2 bureaus too ) have refused to fix this delinquency mark on my credit report which has brought down my credit score by about XXXX points, and has actually affected my life and my ability to take on more credit, even though I have plenty of savings and am a high earner.

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 2022-03-14
Company: TRANSWORLD SYSTEMS INC
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a workers compensation bill for {$50.00} that went to Collections even though it was an accepted workers compensation claim from XXXX XXXX XXXX. However even after paying it over a month ago, I continue to receive threatening notices from the collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: AES/PHEAA
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:
My name is XXXX XXXX and I am a XXXX XXXX. I am attending the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX in XXXX ) Program and expect to graduate in XXXX of 2018. I currently have a balance of roughly {$240000.00} in federal student loans ( comprised of direct and FFEL loans ) with XXXX XXXX XXXX Account Number : XXXX. Some of these student loans are in " deferred '' status and some of the loans are in an " in-school '' status. I would like to begin repaying the entire balance of my student loans with Fed Loan Servicing. As a result, I submitted an Income Driven Repayment request through StudentAid.Gov. I contacted Fed Loan Servicing today and was told they received my Income Driven Repayment Request but can not process my request since I am in an " in-school '' status. In addition, I was told I can only repay my loans at this time with a " deferred '' status and that I can not begin repaying any of my loans that are in an in-school status because the " grace '' period on these loans has not been satisfied. I find it unacceptable that I can not begin repaying on the entire balance of my Fed Loan Servicing loans with an Income driven repayment plan because of an " in-school '' status. As a result, I feel as if I am being discriminated against since I am a student. As you are aware, interest continues to accrue on my student loans while I remain in school. In addition, Fed Loan Servicing is refusing to provide me with a letter which states the current payment on the balance of my loans with Fed Loan Servicing when the lowest Income Driven Payment plan that I would qualify for is applied against my loan balance. This letter is required by a current lender and is necessary to be approved for financing. As a result, I am requesting your assistance with these matters as Fed Loan Servicing is refusing to assist me with my requests. Thank you in advance for your assistance. Sincerely, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
hello, to whom may concern I have a common name and people have been stealing my identity and income taxes etc since 2010 and credit bureau have be giving false infomation to lenders and other people for the longest time and im tired of it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had 2 purchases on my Amex XXXX card with XXXX XXXX, and then I also received 2 credits from the XXXX tax agency in regards to these 2 purchases. 

The initial charges were on XX/XX/XXXX for XXXX  XXXX and XX/XX/XXXX for XXXX  XXXX. My XXXX XXXX XXXX indicate AMEX converts these charges at the actual currency exchange rate. When I look on XXXX to see the FX rates I am given worse rates. The XX/XX/XXXX transaction AMEX charged me US {$3800.00} and on XX/XX/XXXX XXXX {$7000.00}. When I go on the XXXX site it should be closer to US {$3800.00} and US {$7000.00}. I tried to dispute it but no one talks to me and they simply close the case with no explanation. 

Then on XX/XX/XXXX I received 2 credits for the above transactions for XXXX  XXXX and XXXX  XXXX. The merchant is listed as a different name because it is a XXXX  credit. The FX rate I was given on this day for the credit was XXXX USD to XXXX. On this day XXXX XXXX was equal to XXXX USD so I was undercredited significantly. Even worse, the XXXX TO USD has not been at XXXX in over 20 years so its even crazier. 

Amex XXXX indicates you get the actual rate on the transaction. When I look at ALL my fx transactions, it seems American Express is playing with the bid/ask rates and skimming versus in reality giving the real rate. 

I have 2 asks : 1 ) I am credited back ~ {$160.00} on the above 4 transactions 2 ) American Express explain to me why they are skimming? If you look at all transactions, they are always at the worst rate for that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: REGIONS FINANCIAL CORPORATION
State: FL
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:
Regions bank got a check from me a  XXXX  person {$26.00},  XXXX  from social sercurity, they took over {$800.00} for a deposit which is illegal, my attorney   XXXX   XXXX   is the witness  XXXX   XXXX   XXXX  regions owe me big time it is against the law to take funds from a  XXXX  person

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 2017-06-19
Company: Social Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
they pre approved me for a loan between  XXXX  and  XXXX . After I sent in my paystubs they cut the loan back to  XXXX  when I had requested  XXXX  and had been pre approved for it. The income I stated on the application is the same info that matches my paystubs. Now I have an inquiry on my credit for something I do n't want. I agreed to the credit pull for a loan of  XXXX  not  XXXX . No one has explained to me why the loan was cut back so far or for what reason. Now I am also left with an inquiry on my credit for a loan that 's not enough to refi my debts. This is a total bait and switch scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2017-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is trying to collect {$1600.00} from me for a debt they claim I owe. I have written them several letters since XXXX 2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: EdFinancial Services
State: FL
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:
I, consumer XXXX is holding Ed Financial responsible for reporting unvalidated information to all the consumer reporting agencies on my name. This is fraud and my consumer rights are violated as per 15 USC section 1692d ( 1 ), any alleged unvalidated remarks or debt furnished to any of the consumer reporting agencies is ruining my reputation, and it is defamation of character. Ed Financial continues to report incorrect information related to untimely payments which are incorrect and should be removed on my consumer reports. For example, on one of my consumer reports, EdFinancial is reporting I was on time in XX/XX/2019 and 90 days late XX/XX/2019. How that be correct from being on time to 90 within 30 days? I have reached to EdFinancial numerous times regarding this issue including the consumer reporting agencies but no resolution as of yet. I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: EQUIFAX, INC.
State: FL
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, consumer XXXX is holding XXXX XXXX responsible for reporting unvalidated information to all the consumer reporting agencies on my name. This is fraud and my consumer rights are violated as per 15 USC section 1692d ( 1 ), any alleged unvalidated remarks or debt furnished to any of the consumer reporting agencies is ruining my reputation, and it is defamation of character. XXXX XXXX continues to report incorrect information related to untimely payments which are incorrect and should be removed on my consumer reports. I have reached to XXXX numerous times regarding this issue including the consumer reporting agencies but no resolution as of yet. I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: EQUIFAX, INC.
State: AL
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:
Hello I have reached out to Equifax several times in regards to the  13  inquires I have on my account which does not belong to me I have no knowledge of these inquires and would like them to be removed immediately. I 've sent on several occasions to Equifax the below mind you I have no inquiries on my   XXXX   report at all as far as these inquiries Equifax has.   I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : Firm offer of Credit, Insurance, Employment, or Court Order

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my lease in XXXX of 2017. At that time I faxed the odometer reading and bill of sale. I contacted them a few months later and they indicted they never received either so I faxed them again. Since then, I honestly didn't think about it until the beginning of this year as I am looking to purchase a new car. I contacted Kia Finance at the beginning of this year and they indicated they received an odometer reading but not a bill of sale. Since my initial call this year, I have sent them both the odometer reading and bill of sale 4 times. The first 2 were regular mail, the third was 2 day priority and the 4th was certified mail and returned with a signature. I have called numerous times and each time, they indicate they haven't received the bill of sale and can't release my title. I have begged them for help asking if I can send to someone directly that can be accountable for getting it processed, they indicated no. I asked to talk to the title department and customer said they didn't even have a phone number or contact in the title department that they could only contact them through their internal communication system. I even asked who their CEO was so I could contact them directly and customer service told me they weren't allowed to give out that information. This has effected me both emotionally and financially. I missed out on end of month deals on other cars because I did not have my title. I have cried out of frustration while on the phone with customer service reps. There is no option other than to keep resending the same information hoping that someone will do the right thing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Experian I have opt out of all promotions stop leting me get offers or my credit shared or sold after opt-out on all offers

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 2022-09-09
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened a be enmo account had my identification fully verified and my buddy sent me XXXX which is within the allowed limit. Then I made a payment to XXXX for XXXX $ and a XXXX XXXX  payment to my girlfriend.. Then the froze my account without reason.. I can't access any of the money or close my account. Customer service gives me run around and are of no help offering little to zero info.. this has been over 9 days ago with no responce.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, 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 : Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX. XXXX, XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXXXXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX XXXX  Account Number : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 : Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX. XXXX, XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXXXXXX XXXX Account Number : XXXX, has violated my rights. 

Account Name : XXXX XXXX XXXX  Account Number : 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

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 2017-06-19
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX  from national credit adjusters contact my employer and asking for my managers name.I spoke to a gentlemen name   XXXX   at national credit adjusters acct number  XXXX . I did tell them they can not contact me at work and i had already told them before. Still they did call me to my employer. as i was speaking to  XXXX  i did explain to him what i knew about not been contact at my employer. he then said i was uninformed and they could contact my employer anytime. i said i was hanging up and i would take care of the matter in a later time when i could and not to contact me again unless is by paper.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I wrote a letter to Freedom Mortgage on XXXX XXXX, 2017 to request removal of the PMI on my mortgage. I attached a copy of the most recent appraisal provided by Freedom Mortgage. The value of the property is {$140000.00} my principal balance is {$110000.00} leaving a LTV of 78.58 % I received a letter in response dated XXXX XXXX, 2017 that stated they were unable to approve my request because my LTV was greater than 80 %. I have written another email dated XXXX/XXXX/2017 to the rejection letter requesting the PMI to be cancelled.

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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 US DEPT OF EDUCATION, 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 a account without my written instructions

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