BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
Company: CarMax, Inc.
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:
in accordance with the fair act credit reporting act XXXX account # XXXX, has violated my rights. 

15 use 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EdFinancial Services
State: FL
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:
On XX/XX/XXXX I contacted Edfinancial to refund several payments I had paid off after XX/XX/XXXX, under the CARES act. I was told at the time the processing time would be 60 days. 

I called again in early XXXX just to verify my ticket was still submitted since I had not received any email or any confirmation of my request. 

I called again today on XXXX XXXX, XXXX and they are now telling me the time is likely more than 150 days for processing and then more for the refund. 

I understand the influx of calls and requests but even other servicers post Biden 's announcement are making refunds much quicker. 

I have graduate school federal loans and am eligible for XXXX in forgiveness. Edfinancial is the ONLY student loan provider who seems to be very nebulous with their response regarding how soon this refund will be processed. Other services like XXXX and XXXX seem to be taking days to weeks if even and some of my colleagues whose loans are serviced with these companies are seeing refunds extremely quick. I was told that the loan balances won't be reinstated until the refund is processed which now they make it seems like won't even be until XXXX at the earliest. I am worried because the application for forgiveness starts in XXXX and Edfinancial won't have any of these applications processed in time for us to get forgiveness. I was told via the phone that all I can do is wait and that verbally all they can do is let me know they submitted the request. I understand the influx of calls to get our money back is probably very overwhelming to the system but it's concerning that this can take up to 6 months when every other provider seems to be having a quicker turnaround time despite having thousands of requests. Getting this money back could be lifechanging for me. It is just extremely upsetting that other loan providers are restating balances within days to weeks while this company is telling me to sit back and wait. I have also been given mixed messages regarding whether the money will come back to me in form of check or electronically even though I paid via e-check. 

I am also upset as I just received a letter from them saying that my data was leaked in a massive data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$360.00}, {$320.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account.

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: Receivables Performance Management, LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of 2022 I switched my cellular phone service from XXXX  to XXXX. XXXX had gone out of business it was now part of XXXX My service was horrible so I switched over. I went into XXXX and cancelled my service. I paid everything I owed them that day in order to make the switch. I never received any bills, emails, or notice of any kind that I owed XXXX  any more money. Last month I traded in my vehicle for another. The dealership checked my credit and said there was a debt I owed XXXX  that had gone into collections. Yesterday my ex wife had a notice of a debt that I owe to XXXX  from receivables performance management , LLC located in XXXX, WA. They claim I owe XXXX  {$400.00}. They gave me a number and said that if I didnt contact them by today they would assume their information is correct. I have tried calling the phone number they provided multiple times and its just a bunch of advertisements for me to decline. Then when I finish listening to 10 minutes worth of ads the robot lady on the phone asks what company Im trying to reach. I say receivables performance management , LLC and she says I dont recognize that company, try calling XXXX. I have called that number and its a company trying to sign me up for direct tv. I have also emailed them at the address they provided and have had no response. I would like them to quit contacting me and to remove this debt from my credit. XXXX no longer exists and I canceled it, as I said, in XXXX of 2022.

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: Synovus Bank
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
1. When I call the Customer Service number, there is no way to get to a human being.
2. There is an option about 5 minutes into the recording that says press 6 for customer service, but after it again, gives you your balance due and offers to take a payment the phone always disconnects.
3. Web site has consistently been down for over 45 days now.
I have proof that I would like to submit.
4. If you try to contact them online, there is only an option to apply for this card or a link to go online for customer service, but it takes you back to their site that claims that Here is the exact wording : " The Customer Center is currently offline for maintenance. Please tr again later. '' Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX XXXX XXXX XXXX placed a charge on my card for {$9.00}. They also placed two charges of {$10000.00} and {$30000.00} on my XXXX XXXX issued XXXX Card. The total amount was for a resort exchange program that turned out to be fraudulent. I reported this to Citi on XXXX XXXX, XXXX -- well with in their purchase protection window of 120 days. Since then, I have been working with Citi Bank and XXXX XXXX to get this resolved and on XXXX XXXX XXXX XXXX resolved the issued and made the provisional credit that was originally applied to my account permanentsee attached letters titled CARD MEMBER SERVICE. Citibank on the other hand, has told me there is nothing they can do and required full payment of the {$9900.00}. I have tried to work with them, but they have one standard answer, the issue has been resolved and there is nothing further they can do. They say this is according to XXXX policy, but I find that hard to understand because the XXXX XXXX Card is also a XXXX card.

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 2022-02-19
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: MD
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:
EMAIL ADDRESS : XXXX MAILING ADDRESS : XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX , MD, XXXX While looking at my credit reports I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and is also a clear indication that this information was NOT properly verified upon you receiving it. Equifax is reporting inaccurate information regarding my DATE OPENED with the following accounts ; > <ACCOUNT # 1 : THE BUREAUS # # # # # XXXX : EQUIFAX has the DATE OPENED as XX/XX/XXXX, however XXXX has the following info claiming to be accurate, DATE OPENED as XXXX.> <ACCOUNT # 2 : XXXX XXXX XXXX XXXXXXXX # # # # # # # # XXXX : EQUIFAX has the DATE OPENED as XX/XX/XXXX, however XXXX has the following info claiming to be accurate, DATE OPENED as XXXX <ACCOUNT # XXXX : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX has the DATE OPENED as XX/XX/XXXX, however XXXX has the following info claiming to be accurate, DATE OPENED as XXXX <ACCOUNT # 4 : XXXX XXXX XXXX XXXX XXXX : EQUIFAX has the DATE OPENED as XX/XX/XXXX XXXX however XXXX has the following info claiming to be accurate, DATE OPENED as XX/XX/XXXX. EQUIFAX has the DATE OPENED as XX/XX/XXXX, however XXXX has the following info claiming to be accurate, DATE OPENED as XXXX <ACCOUNT # 5 : XXXX XXXX XXXX XXXX : XXXX XXXX has the DATE OPENED as XX/XX/XXXX, however XXXX has the following info claiming to be accurate, DATE OPENED as XXXX <ACCOUNT # 6 XXXX XXXX XXXX XXXX XXXXXXXX : EQUIFAX has the DATE OPENED as XX/XX/XXXX, however XXXX has the following info claiming to be accurate, DATE OPENED as XX/XX/XXXX. EQUIFAX has the DATE OPENED as XX/XX/XXXX, however XXXX has the following info claiming to be accurate, DATE OPENED as XXXX <ACCOUNT # 7 : XXXX XXXX XXXX XXXXXXXX : EQUIFAX has the DATE OPENED as XX/XX/XXXX, however XXXX has the following info claiming to be accurate, DATE OPENED as XX/XX/XXXX. If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In XXXX of XXXX, my husband 's company truck broke down to where it was unusable, which caused a big hit in our finances. He did some odd and end jobs to help pay our bills since I was working part time teaching. 

In spring of XXXX he finally decided to sell his company and apply for other jobs. Several of the jobs that seemed very promising did not end up hiring him. At the end of XXXX my XXXX  job ended, so I was no longer getting paid either. Plus I wouldn't be able to count on going back in the fall because I was XXXX  with our XXXX  child and wouldn't be able to miss that much work once the baby was born. Up until that point I had made it a priority to make the minimum payment on our Chase Freedom credit card even though we were barely able to pay our bills. 

I continued to pay the card through the end of XXXX, even though we had no consistent income still. In XXXX of XXXX I was desperate to get some of the interest lowered or our balance negotiated, as everything I was trying to pay was mostly going towards the interest. I understand that this is how credit cards work, but it was very disheartening, especially because we couldn't afford to pay. 

I called Chase and told them how I had to stop working because I was pregnant and that my husband wasn't working either. They said that they wouldn't work with me until I was behind on my payments, which made no sense to me. I had been faithfully trying to pay the card to not get behind, yet they were telling me nothing could be done unless I was behind. At that point we had to stop paying the card all together because our income was almost non-existent, so of course my credit has taken a bad hit. It was just discouraging to hear that they weren't willing to do anything to help us even after I explained the situation and had been committed to paying month after month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Big Picture Loans, LLC
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a {$1000.00} loan on  XXXX   XXXX ,   XXXX   and received the payment on  XXXX   XXXX . When I signed the paper ( electronically online ) I signed up fo r 3  installments of  XXXX  which makes the total  XXXX . I can handle those payments and it is outrageous interest but doable. The company is supposed to take my payment out auto withdrawl. The first payment was deducted from my checking account on  XXXX   XXXX  in the amount of  XXXX . They sent me an email with the terms that now said I would be making  six  payments in the amount of  XXXX  This equals  XXXX  which is outrageous. I tried to log on to my online account today and it the website will not give me access to my account. Customer service said my info did n't match when I called for phone assistance. Mysteriously all of the emails I received with information regarding this loan have vanished from my email account.     Something is not right. I sent the company an email and said I have full intention of paying back the loan but not at  6  payments with a total of  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I received my credit reports through my mortgage broker. All 3 credit bureaus were incorrectly reporting that I was 60 days late on a payment for an XXXX XXXX credit card in XXXX. I contacted XXXX XXXX who stated they had no record of me ever being delinquent. XXXX sent an update to all 3 credit bureaus, correcting this mistake. Two of the credit bureaus fixed this issue, however Equifax changed my credit report to state that I was 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX. This is clearly untrue as it also states on the report that the card was closed in XX/XX/XXXX. This also is not reflected with either of the other credit bureaus. I filed a dispute with Equifax in XX/XX/XXXX and waited the full 30 days. Twice I contacted them to receive documentation of the dispute, however both times the agent on the other line was unable to correctly take down my email address. To date, I still have not received any documentation from Equifax. Today, when I called again, I was told that the dispute was denied because Equifax is insisting that the report they received from XXXX XXXX states that I was 60 days late in XXXX. I called XXXX XXXX today and they confirmed that both when they sent the updated report in XX/XX/XXXX and as of today, the account has never been delinquent. Equifax filed a new dispute today, however I feel this is going to just be another lengthy amount of time that I will need to wait with no positive result for an issue that was clearly created by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are 11 accounts that do not belong to me I have been going back and forthe with the bureuas regarding this since XXXX of 2020 I have opened an FTC I have called and written letters to the bureaus but nothing is being opened or even looked at I need this taken care of since these are not my accounts and they do not belong in my report!!! 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian Credit Bureau refused to increase my fico score regardless of : 1.  XXXX  XXXX recent correct error and remark on credit report. 
2. Decrease Car payment by {$13000.00}. 
3. Decrease Credit Card from {$5500.00} to {$0.00}. 
4. Decrease monthly home mortgage by {$600.00} 5. Decrease Student Loan every month. 
6. Never late on any monthly payments. 

Based on the previous 6 reasons to increase your Credit score, Experian decided to decrease my fico score. Compared to the other two credit bureaus, Experian credit score is 100 points off.

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 2022-02-19
Company: Sentry Credit, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 ( {$10000.00} ) I was sent a final bill from XXXX XXXX for an appartement. I had been approved for aid from XXXX Iowa, although they had not submitted payment. On XX/XX/2021, I was sent another bill for the same amount. Except, XXXX Iowa has sent payment along with how that payment was to be applied, as payment for other rent was included. {$10000.00} was to be used towards this full amount. Since then, even with proof from XXXX Iowa submitted, Sentry Credit along with XXXX XXXX have continued to deny this payment was sent, cashed, and applied to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: BARCLAYS BANK DELAWARE
State: IL
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 already reached out to the credit bureaus and to BARCLAYS BANK DELAWARE and notify them of their error posting of information on my report. I never missed any payment on this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist 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 explanation