BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/XXXX and XXXX, 2022 I wrote to XXXX, Equifax, and XXXX in regards to deleting these poor investigated items : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I received correspondence stating the accounts were verified. If accounts were verified why are they deleted from XXXX? Please see that my deleted items are deleted from all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX Services # XXXX, has violated my rights. 
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 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 2017-04-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Experian is stating the courts is Reporting a Bankruptcy Docket # XXXX which i disputed and they stated it was verified ... I called the courts which advised me the courts does n't verify this information.. Experian pulled this information from a third-party agency, as per courts Does not Verify Therefore this Must Be Removed from my credit file which is damaging to my true credit file. 

And I would appreciate it once its deleted I want proof that it 's been deleted. Please send me an email to 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 2017-08-29
Company: SLM CORPORATION
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
The original Loan ( XXXX ) in XX/XX/XXXX was for disbursement from Salie Mae was {$10000.00} with a 9.25 % interest rate deferred until leaving school. 
The pymts began in XX/XX/XXXX & since the interest rate has increased to 10 % & the amount went from {$130.00} to {$140.00} with a current balance of {$10000.00} as of XX/XX/XXXX The 2nd loan ( XXXX ) was for {$7600.00} in XX/XX/XXXX with a 9.625 % also deferred. 
The current balance is {$7500.00}. The pymts began in XX/XX/XXXX at {$93.00}. The interest rate is now 9.875 % with pymts of {$98.00} The 3rd loan ( XXXX ) was in XX/XX/XXXX from Salie Mae for {$4000.00} with a 7.25 % also deferred. The current balance is {$3200.00}. The pymts began in XX/XX/XXXX were at {$50.00}. The interest is now 8.25 % with pymts at {$51.00}. 

As you can see no matter how I try the interest & pymts go up & the balance hardly decreases. When Salie Mae was contacted I was told that this is what I needed to pay & they would not change anything. Additionally the interest rates would continue to increase so I would owe more. 

This is a co-signed loan. I am XXXX XXXX 's Grandmother so it is becoming increasingly difficult to pay. He is still only at entry level at the job he has from his education & it is difficult for him to pay rent etc & give me money for the loans. 

I do not understand how they can continue to increase % 's as I pay each month. I asked the criteria about that & got nowhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Avant Holding Company, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was approved for an Avant card in XXXX of this year. The company has since locked my card without cause and I am unable to use it. They are still reporting the account each month on my credit. When I contacted the company for more information I am told to email utilities bills and other personal information. After doing so I am told to send more emails to different departments and no resolution has happened. This has been only for 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone opened a fraudulent account in my name with XXXX.After filing an identity theft report with the F.T.C. and many phone calls and faxes, disputes and emails XXXX agreed to close the tradeline and have it removed from my C.R 's. I tried disputing this many times with all XXXX major Bureaus and XXXX and XXXX both removed the item however Equifax keeps saying that their SO CALLED investigation concluded that it was mine.These people at Equifax are SO INCOMPETENT it is unbelievable! I faxed, emailed them proof that it 's NOT MINE many times over and I am going to upload a letter from XXXX at the end of this complaint stating that they concluded it was fraud and requested that ALL XXXX BUREAUS ERASE IT FROM MY FILE!!! What kind of investigation does EQUIFAX do if any at all? This claim of them investigating is a blatant lie because obviously if they even made a phone call or read the faxes and emails they would have seen I am telling the truth!! As if it 's not bad enough i was a victim of fraud now I have to deal with these incompetent people at Equifax who seem, no not seem.. ARE making it so much harder for victims of identity theft to clear up their file then they make it for the crooks to ruin it.This is insulting and an Injustice and they have to be looked into because as far as I am concerned they are just as bad as the criminals who used my name to open fraudulent accounts!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been repeatedly and wrongly denied loan forgiveness under the TEPSLF program. FedLoan Servicing is refusing to qualify my payments made while I worked for XXXX XXXX XXXXXXXX XXXX XXXX My employment there was on a contractual basis determined by XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX  did not consider me " full-time '' by their definition ( no XXXX  there have this status ). However, I can clearly demonstrate that I worked an average of 31.8 hours per week while working at XXXX, and I have given this information to FedLoan Servicing. The definition of full time work as stated clearly at https : //studentaid.gov/manage-loans/forgiveness-cancellation/public-service # full-time-employment reads : " For PSLF, you're generally considered to work full-time if you meet your employer 's definition of full-time or work at least 30 hours per week, whichever is greater. '' That one must EITHER meet the employer 's definition of full time work OR work more than 30 hours per week. Clearly my payments during this time with XXXX XXXX  XXXX XXXX XXXX should qualify as part of the 120 payments. I have called FedLoan Servicing on numerous occasions and submitted documentation of my employment. FedLoans average response time to written communication is abhorrent : 60-90 days. Most recently I called on Thursday, XX/XX/2022, and I spoke with XXXX, employee number XXXX, who could not help me. She transferred me to XXXX, # XXXX. XXXX was extremely combative and condescending to me during the course of our conversation. She refused to acknowledge the above definition of full-time work applied. She confirmed that FedLoan indeed takes 60-90 days to respond to any written communication. She told me that my only recourse for my case was to " convince '' XXXX to change their response on my employer verification form, which would be asking XXXX to lie and commit fraud on my behalf. I'm not going to do that. This company appears to have a blanket policy of denying loan forgiveness by using their own self-serving definitions of " qualifying payments '' rather what the federal government has dictated. I need help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-30
Company: EQUIFAX, 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: Account information incorrect

Complaint:
MY XXXX XXXX CREDIT CARD stated to me that they report to the credit bureau daily yet the CREDIT bureaus have no consistency in how they report balances it seems as if they report whenever they choose ... ..my balance with regions in XXXX was XXXX but the bureaus reported it at least 3 times throughout the month ... reported XXXX dropped my score 50 plus pnts and then reported it at XXXX and it dropped more because it reported the usage as high ... ..MY BALANCE IS ONLY XXXX!!! and I want this corrected immediately and my account re-scored immediately!! 


XXXX XXXX CREDIT CARD ACCOUNT # XXXX $ XXXX they also continue to report inquiries that I have no knowledge of : XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019, I spoke with a representative from CASHNET USA where I was informed there was an outstanding balance of {$360.00}. I informed the representative that I just started working again and asked whether I could split the outstanding balance. I was informed that I could. I agreed to make two payments - one on XX/XX/XXXX ( my first payday ), and the balance on XX/XX/XXXX. I also agreed to pay {$540.00} on XX/XX/XXXX. On XX/XX/2019, CASHNET USA sent me a confirmation email with incorrect information. ( See the message below which I cut and pasted. I will also forward the original message under separate cover. ) On Monday, XX/XX/XXXX I called CASHNET USA at about XXXX XXXX to say that their email had misleading facts and wrong amounts. The representative ( male ) stated he understood the error, he would bump the issue up to a manager/supervisor, and the manager/supervisor would be calling me back that evening. No one from CASHNET USA called me back. I called again on XX/XX/XXXX at about XXXX and spoke to a female representative who informed me that not only do I owe {$540.00}, but an additional {$180.00} along with {$360.00} were all to be withdrawn from my account on XX/XX/XXXX. I tried to impress upon the representative that I would need to get this matter corrected immediately especially since the withdrawal date would be the next day. The representative told me that the issue would be referred to a manager/supervisor and that person would be calling me back that day. Since I had not heard from anyone at CASHNET USA for several hours after my call, I called my bank and asked that an immediate HOLD be put on all payments from CASHNET USA. On XX/XX/XXXX the following amounts were withdrawn from my account ( I receive Social Security ) : {$540.00} + {$180.00} + {$360.00}. = {$1000.00}. I was also confused about the arbitrary amount of {$180.00} and what was that amount based on. How unconscionable was this act from CASHNET USA, not to mention how devastated I was on account of its actions? 

I would like CASHNET USA to ( 1 ) honour the initial payment arrangement, which is {$180.00} to be paid to them on XX/XX/XXXX and {$180.00} to be paid on XX/XX/XXXX. ( 2 ) Since all this money was incorrectly taken from my account, I could incur overdraft fees totalling {$140.00} and request CASHNET USA to accept the XX/XX/XXXX payment of {$400.00}. 

I have been in communication with CASHNET USA when I lost my job and I never shirked my responsibility towards these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been attempting to get my credit report reviewed but I 've been unsuccessful. I was a victim of identity theft and I 've sent all XXXX credit bureaus my police report. I 've had multiple items removed and reinserted and when I try to dispute ... .in return I get a letter stating that they have previously disputed this matter and the previous status remains the same. I have yet to receive any verification in regards to these debts and I have sent multiple 609 letters with no success. The accounts are to verify that these XXXX companies are reporting correctly XXXX, and late pays with XXXX. With XXXX I had insurance and advised that the insurance paid the balance but then was later informed that they only paid a portion. I was in the military and was XXXX so I was forced to get out of the military which caused me to be unemployed and unable to pay my bills. This is why I utilized the insurance with these XXXX companies which I was later informed that I still had a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XX/XX/XXXX I was the victim of identify thief. Upon pulling my credit report and discovering all list of unauthorized inquires and accounts, I immediately contacted the credit reporting agent to place a freeze on my credit file. On XX/XX/XXXX I sent the reporting agency a certified copy of the identify thief police report, a copy of ID, social security card and a list of the fraudulent items in question. Despite my efforts, the credit reporting agency continues to send letters stating that I must contact each company individually. As a consumer faced with restoring my life after identify thief this is a very disheartening situation. Experian continues to violate my rights under the Fair Credit Reporting Act, by reporting information on my credit report that are fraudulent, inaccurate and not authorized. Due to their reporting negligence, this is ruining my life!

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 2022-08-30
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Fairway at XXXX Apartments in XXXX TX XXXX XXXX is XXXX XXXX who have not and refuse to valid debt To Whom It May Concern, I have an issue with my final bill that still hasnt been cleared. I was told by the property manager XXXX XXXX XXXX that this issue isnt handled by the leasing office. I assumed everything would be a dealt with quickly. Unfortunately, that was not the case. I XXXX XXXX XXXX and my daughter XXXX XXXX XXXX occupied the apartment located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX from approximately XX/XX/XXXX until XX/XX/XXXX. I did give you my forwarding address which is still currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I was told that any final bill would credit against my deposit. I also spoke with XXXXXXXX XXXX XXXX regarding the bed bug treatment charge that was included in my final bill. I never had and still dont have bed bugs. From day one if you check your records, I requested monthly sprays due to bugs getting in my home. My home and was immaculate otherwise. I had technician in & out of my home for maintenance issues and bugs were never reported. I did however advise the rental office that the neighbors above me had several dogs and bad odor coming from their home. My tub and toilet backed up numerous times due to no fault of my own and bugs came to that restroom area. You sent a plumber a few times for that. Now if you choose to do that for prevention thats one thing but I should not be charged for it. Frankly the home was cleaner when I left than when moved in. I completely cleaned out the home when I left. Also, the main issue is that my deposit was Never applied to my account. You have sent this to a collection agency without doing you Due Diligence. I was required before moving in or signing the lease to get a $ XXXX deposit. This was Never applied to my bill and the difference sent to me. The XXXX XXXX XXXX coverage # XXXX which I enclosed a copy of the original email receipt. Please note their phone number is XXXX. I did reach out to that company on my own and was told No One ever reached out to them to close my account or let them know I moved out. Perhaps this is an oversight but its quite a major one. I insist you must rectify this situation Immediately. I want this removed from my credit Immediately from under both me and my daughters names. This needs to be taken away from whatever debt collector you sent this to. A good contact number for me and my daughter is XXXX and/or XXXX. Please contact me at your earliest convenience. I will truly appreciate getting this worked out swiftly. Thank you for your assistance. Please note I will be using certified mail for this. 

Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX at XXXX, XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
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 contacted the credit bureaus with all of my information and issues as it related to accounts being on my credit report that was not mine. My information was released into the black web and several accounts have been opened that I had no clue about. I asked them to verify where this information was coming from and asked for specific items to validate these accounts. I never received any correspondence, written or verbal, in regards to these items. I have sent a follow-up letter that has been ignored as well. 

The stand-in violation of my rights according to the Fair Credit Reporting Act. And according to that, they must remove and delete any information that could not be verified or validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have tried disputing through the CRA 's that this is not my account. They CRA 's come back saying that this has been verified and remains on my credit file. I have never received any correspondence with this company as owing a debt nor have I been given the right to dispute this information. I was able to make contact with them but they have failed repeatedly to provide supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Cosigned a loan car was reposted primary person on loan is in XXXX  I am currently in a XXXX home in XXXX XXXX insurance have no money night have told them over and over to quit calling me they call and threatening me they threading to take my social security which would leave me homeless They are very rude yelling and screaming at me that they will get their money one way or another I have explained my situation to them numerous times they continue to threatening me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EdFinancial Services
State: IN
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:
I requested a refund for my student loan payments. They told me it will take 150 days to process that refund. This is after the deadline for student loan debt cancellation. So they are essentially trying to get out of having my refund cancelled. This is ridiculous.

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 2022-03-03
Company: Experian Information Solutions 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 contacted the credit bureaus with all of my information and issues as it related to accounts being on my credit report that was not mine. My information was released into the black web and several accounts have been opened that I had no clue about. I asked them to verify where this information was coming from and asked for specific items to validate these accounts. I never received any correspondence, written or verbal, in regards to these items. I have sent a follow-up letter that has been ignored as well. 

The stand-in violation of my rights according to the Fair Credit Reporting Act. And according to that, they must remove and delete any information that could not be verified or validated.

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 2021-05-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX will not update the exact accounts as that XXXX has. It's fraudulent activity that XXXX is not updating all the accounts on my credit profile which are current and never late. XXXX update score by approximately 50 petcenr.with the same accounts that on XXXX. All my accounts are exact. They are not following the law. I will Perdue legal action if necessary to be treated fairly with my credit profile being updated.

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