BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-08
Company: EdFinancial Services
State: CA
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:
On Tuesday ( XXXX XXXX, XXXX ) I called my student loan servicer, EdFinancial, to receive a refund for student loan payments made during the payment pause. According to XXXX this should be allowed, as they state that " You can get a refund for any payment ( including auto-debit payments ) you make during the payment pause ( beginning XX/XX/XXXX ). Contact your loan servicer to request that your payment be refunded. '' ( XXXX XXXX XXXX XXXX XXXXXXXX ). Over the phone with EdFinancial I was told that they would submit the request, but had absolutely no timeline to give me. They would not tell me if I would receive the refund within weeks, months, or more. This is ridiculous, since other student aid loan servicers are telling people to expect refunds within weeks, or a few months ( many examples confirming this online ). It seems that EdFinancial is the only servicer with no real timeline. I called again on Thursday ( XXXX XXXX, XXXX ) to confirm that the refund was submitted and asked again for a timeline, and I was again told that they had no timeline to give me. The refund is for a large amount of money ( {$8900.00} in total ), and waiting an unspecified amount of time ( months? years? ) to receive it would be completely inappropriate, especially when other servicers are not having this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act. XXXX XXXX Accout # XXXXXXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account XXXX XXXXXXXX XXXX XXXXXXXX Account # 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 explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: MO
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:
15 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C 1681 section 604 A. Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Accounts/Accounts # 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 non-monetary relief
Consumer complaint received 2022-03-12
Company: Santander Consumer USA Holdings Inc.
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 came to a agreement to settle the account in full with Santander consumer Usa for a lesser amount than I owed. Santander agreed for to settled the account paid in full for {XXXX} XXXX which I paid on XX/XX/2021. I also have the letter stating that the account was settled. But it is still showing on my XXXX  and XXXX that I still owe {XXXX} and I would like this removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I canceled my account with XXXX in XXXX of XXXX  by calling in and speaking with an agent. I paid the last owed bill and returned all the equipment in the box they provided. My service was deactivated and my account was closed. Never heard from them again, not through email, phone, or mail. I recently looked at my credit report and noticed I have a collection from CREDENCE RM on my report for {$160.00}, which again I knew nothing about. I do not owe direct tv any money. I went about closing the account the correct way, paid my final bill, and returned all their equipment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I got an email saying that i got an inquiry from Golman sachs for new credit but i did not apply for new credit nor did I authorize this. I called trying to get it remove they said they do not see anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

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 2022-01-05
Company: WELLS FARGO & COMPANY
State: CO
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:
Please refer to the PDF document named Claim XXXX for an account of the events that took place on XX/XX/2021 for $ XXXX. I would like to emphasize a few points of the PDF here. During the time that the fraud was taking place, I hung up the call and attempted to call Wells Fargo fraud department. Each time I was unable to get a hold of any live representative and they provided a call back option. Based on the fraud being committed involving spoofing of phone numbers, there was no way to identify if the bank or the fraudsters were attempting to call me back. Therefore I felt very vulnerable and in able to trust any phone communication with the bank. I proceeded to go to the nearest branch and have them verify a later call with the fraud department. 

After we talked to the fraud department on the XXXX, I followed up on the XXXX and was bounced around for 40 minutes with no one willing to answer my questions. I merely wanted a contact email that I could send the attached pdf as further support for my claim. Finally I had a representative say they made a note and we should be contacted. Subsequently I never heard back from the bank until I received the denial of the claim.

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 2017-06-20
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On Friday XX/XX/XXXX I called Navient and spoke with XXXX # XXXX. I have been struggling to pay my loan for years now and given recent financial issues have been delinquent since XX/XX/XXXX. When I called on XX/XX/XXXX I  was told that I could get on a rate reduction plan which also extended the payment terms. The plan offered a rate reduction from the current 4.5 % to 2 % extended out to 12 years. I was told this would be a 15 month plan and at the end of the 15 months we would need to re-evaluate based on income. The new monthly payment amount would be {$170.00} which would be automatically deducted from my checking over the next 15 months. I specifically asked if I made the first payment that day ( XX/XX/XXXX ) if that would bring me current and we could move forward with a clean slate. The representative said yes it would and then processed my payment. On XX/XX/XXXX I logged on to make sure the {$170.00} processed and brought my account current. Upon login I saw that the {$170.00} had posted but I still had over {$1000.00} past due. I immediately called and spoke to XXXX XXXX # XXXX and she told me that the account will remain in past due status until XX/XX/XXXX or 3 months of on time auto drafts of {$170.00} and that the delinquency will continue to be reported to credit agencies. I explained to her that this is NOT what I had agreed to on XX/XX/XXXX when I had spoken with the other representative. EVERY phone call and interaction with this company is always negative. The information is constantly changing, options for repayment are consistently changing/no longer an option. Even changing representatives on the same call offer different options and/or say different information. There is absolutely no consistency and I feel like I am being lied to and taken advantage of. The harassment of being late is like nothing I have ever experienced. They call up to 10 times a day and reach out to relatives. It is beyond embarrassing to know that you are trying the best you can just to put food on the table let alone keep up with debt obligations that never seem to go away and only ever compound.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: Experian Information Solutions Inc.
State: IA
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:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently filed a complaint on XX/XX/2021 with Experian about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who game Experian permission to report anything on me? I need answers now!

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 2022-03-12
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: Information belongs to someone else

Complaint:
I checked my credit report recently and i noticed a lot of accounts that are not mine. I have requested information from the companies, but they have not provided me with any information. I have never used my credit for anything but a XXXX XXXX  account. The other information is not mine.

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 2019-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
my credit card company capital one has been charging my account monthly interest rate, which should be included in my monthly payment plus am being charged a monthly purchase charges in witch they will charge my credit card directly. this is total Froud. 
XX/XX/XXXX XXXX XX/XX/XXXX {$5300.00} XX/XX/XXXX {$3900.00} XXXX {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been in contact with Convergent Outsourcing several times regarding an account XXXX XXXX XXXX submitted to them with my son 's information but my social. I have sent all asked for documentation proving that this is not my account I never lived at the service address and my XXXX XXXX XXXX account number is different from his. I sent evidence that my account was in good standing. I sent a credit report and a lease agreement etc. I call and they say that you are still waiting to hear back from XXXX XXXX XXXX well it's been almost three months and I am getting the same story from them doing nothing but still reporting this inaccurate information to the credit bureaus. Also, note they have not called me or currently trying to collect on this debt they just keep reporting this in accurate information. THIS IS NOT MY ACCOUNT. I gave you my son 's information which you did not have I have been completely transparent and accommodating but that stops today because I have been getting the run around. Convergent Outsourcing is knowingly reporting false information.

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 2022-08-04
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
on XX/XX/22 I went into XXXX XXXX of XXXX ( XXXX XXXX XXXX, XXXX, NC ) for a consumer credit transaction. a month or so later i began receiving postcards and statements from Santander Consumer USA about an alleged debt owed. I DID NOT AND HAVE NOT ENTERED INTO ANY CONTRACTUAL AGREEMENT WITH SANTANDER LEGALLY GIVING THEM THE RIGHT TO COLLECT ON THIS ALLEGED DEBT. Within 30 days I sent Santander Consumer USA correspondence challenging the validity of alleged debt and put them on notice that this alleged debt was DISPUTED. 
Pursuant 15 USC 1692g ( b ) under the disputed debt portion of the FDCPA it clearly states that " the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' Debt collector did not cease collection NOR did they cease reporting this alleged unvalidated debt on my consumer report which is a violation pursuant 15 USC 1692d ( 1 ). Santander continued to harras me by calling me daily at my place of work which not only gave me anxiety but also interfered directly with my work. Santander sent a copy of a contract I signed with the XXXX dealership which doesn't suffice as proof of a binding contract with Santander. My privacy has also been invaded as a consumer since Santander had absolutely nothing to do with the transaction or contract and have been harassing me daily. 
Santander continued sending their misleading and deceptive forms claiming they are attempting to collect a debt which is violation since they have not provided proper debt validation per 15 USC 1692g ( b ) or 12 CFR 1006.34.

They've recently sent me a " notice of right to cure default '' where they describe the " collateral '' and claim they will exercise their rights which i presume to be a sly way of saying they are going to take my vehicle. This is not only a violation pursuant 15 USC 1692d ( 1 ) + ( 2 ) but also 15 USC 1692f ( 6 ) ( A ) How are they trying to say im in default when in all actuality it is them who are in violation of federal laws by not ceasing collection of debt until they provide me with the proper documentation. 
In closing, id also like to mention that all of the " statements '' I have received are in the positive IE ( amount due now {$1800.00} ) which confuses me as the consumer. AM I OWED MONEY? Why are these statements dollar amounts all in the positive, like when I receive a check? Thats another violation pursuant 15 USC 1692e ( 2 ) ( A ) under false and misleading representations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Paypal Holdings, Inc
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Events in order below : XXXX I put {$2100.00} into my venmo account. 
XXXX I used my venmo debit card to .are a payment online for {$650.00}. 
XXXX tried to transfer money from my venmo account to my partner for bills that I owed her. 
XXXX I receive an email from venmo that my account is frozen as are my funds ( {$1400.00} ). Venmo is requesting I send them a picture of my ID. 
XXXX send them a picture of my ID immediately. No confirmation email or reply ( still, XXXX days later ). 
XXXX reach out to chat support and they tell me a " account specialist will need to review my ID for further confirmation and my funds are being held ''. 
XXXX -I email asking for update - no reply XXXX I call and email asking for update - no reply to email, call says they will ping the account team, but the rep can't do anything to help. 
XX/XX/11 - email again asking for an update -no reply. 

I have bills to pay, rent to pay, utility bill is overdue and I need access to my funds that have been frozen with no reason or explenation?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-18
Company: LEXISNEXIS
State: GA
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 have been victim of identity theft, An identity theft report had been filed with the FTC and a police report had been filed copies are attached. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. 
Please remove all none accounts holding inquiries and send my a copy of updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
State: DE
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 XXXX, account 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 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 explanation
Consumer complaint received 2021-09-25
Company: Lending Club Corp
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I sent out a bill payment on XXXX to XXXX credit card. Lending club decided to take a review of my account. They reviewed the account and cleared it of fraud. However my check was rejected a month later on XXXX and XXXX is now charging me a {$39.00} fee. If XXXX 's does not waive the fee I want Lending club to cover it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XXXX, I wrote to these companies requesting an investigation into items that I believed were INNACCURATE. To date, I have not received a reply or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. These Accounts are in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy these Bankruptcies shouldn't be on my credit/consumer report. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave them any written consent to report anything on my consumer reports no consent is identity theft. I have also attached a letter from the bankruptcy court stating they did not give my information to the credit buearus.

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