BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-17
Company: Midwest Recovery Systems
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:
To who m it may con cern, I have a collection account on my file from a collection agency name d : (  Midwest Recovery Syste ms ). The accoun t is as follows :  XXXX   XXXX   XXXX ,   XXXX   account #  XXXX . Please be advised that I am disputing this collection due the fact ( Midwest Recovery Systems  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX , MO  XXXX  ) does not currently have a valid license in ( Florida ) to collect on debts. This information is stating that their license is currently ( Expired/Denied Tech ) according to FLORIDA OFFICE of FINANCIAL REGULATION S (  address :  XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  ). I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me physical pro of ( Midwest Recovery Systems ) is licensed to collect debt in ( Florida ). Your immediate response will greatl y be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
Have tracking of when i first contact equifax concerning dispute online stated it would be complete by today 's date i have not received an email or letter in mail about dispute other disputes they disregard and did not look at them next plan of action suing the bureau for reporting inaccuracy tracking number to equifax  XXXX  first attemp second attempt no response  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Bread Financial Holdings, 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 information incorrect

Complaint:
As a frequent shopper at XXXX, I finally took advantage of their aggressive requests to open a XXXX charge to save 20 %. I spent {$330.00} and paid off the account the ext month. I thought the account was dormant until I received a debt collectors call stating I owed an additional {$6.00} and that had grown to {$59.00} with late fee 's. I paid and closed my account, but find myself with late payment reports on my credit report. This will affect my financial rating for years to come. 

I tired speaking with XXXX and Comenity bank and they were not helpful at all. They kept repeating themselves that I need to call the credit bureaus to discuss. 

This is consumer deception at its finest and I hope cfpb can assist. All I want is for the delinquencies to be removed from my account. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: HEARTLAND PAYMENT SYSTEMS INC
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I attended XXXX University for XXXX school and have a private loan through the university that is serviced by a third party lender, XXXX XXXX. In XX/XX/XXXX, I made an early payment ( usually the loan is due the XXXX of each month ). I did not realize that the payment ( which I received electronic billing ) went all to principle. A few days after the XX/XX/XXXX, the university financial office called to inform me that I had fallen behind in payments. I have made payments every month on time since it has come out of the grace period from graduating residency. I immediately made my XXXX payment - which finally was applied to the " bill '' which had the loan interest included. XXXX rolls around, and I try to pay with electronic account from my checking. It is understandable that I could have made an error once with punching the numbers in. That particular payment was not processed. I tried again to make a payment online with direct checking numbers - and again, it was not processed. I had been paying with this account for every month prior. I finally called on XX/XX/XXXX to make a phone payment - which by the way is a {$10.00} transaction fee. If you use a credit card or your debit card, then it 's XXXX dollar fee plus a 3.75 % interest fee on top of that. So I make the phone payment after talking to a representative from XXXX telling her it was for my XX/XX/XXXX bill. Now my university again calls me - on XX/XX/XXXX - stating I am late on my XX/XX/XXXX payment. I log-in to my account and much to my chagrin, the lady who applied my payment on XX/XX/XXXX for a XX/XX/XXXX bill - APPLIED IT ALL ON PRINCIPLE!!!!!! Why would I apply a bill payment to principle that is due IN ONE WEEK? I asked to make my payment for XX/XX/XXXX to the lady at XXXX  - either this is intentional and a scam to make additional late fee money - or this employee and subsequent company is one of the most inept businesses/lenders.
Now I am being harassed by my alum/institution for a payment that was never late. I 'm glad I went to school all these years to XXXX XXXX and be raked over the coals by my institution and their inept third party lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: REGIONS FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened a fraud dispute with my bank REGIONS, under the claim id XXXX, I lost my card and there are several fraudulent charges with my debit card ending in XXXX. 
The bank denied the claim without any valid explanation.

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: GA
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 act XXXX XXXX CO Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 2022-03-30
Company: Experian Information Solutions Inc.
State: TX
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 2018-12-08
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX is refusing to remove a debt that is past the statute of limits. They briefly removed it then quickly put it back on. I filed a complaint via mail with evidence from the collection company themselves and equifax just responded they were satisfied with the inquiry and the information was staying on, even though the collection company 's own documents are saying it's past statue.

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: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I asked for a due date change, filled out the date change request and received a conformation. The date was XXXX to the XXXX made an online payment today and the online ap doubled the payment to pay the next month bill that is not due.. I called Toyota finance and the person informed me that, that is what the system does and she can NOT stop the payment or cancel the payment. Informed me to go to the bank and put a stop payment on the transaction, but of course there will be a cancellation fee and late fee!!! I believe this to UNTRUE and UNLAWFUL!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Greetings! This grievance concerns a combination of bot h Private and Federal loans and how there combined cost create financial strain for me in our modern economy.      If my math is correct : I originally borrowed {$80000.00} in both federal and private loans. I have been making payments towards my loans since  XXXX  of  XXXX  and have a balance due of {$100000.00}. In fact, while gathering information for this submission I discovered that since  XXXX / XXXX / XXXX  my  XXXX  payments totaling {$1100.00} only brought my balance down {$350.00}.     As of right now each month I pay {$230.00} toward s Federal loans and {$350.00} towards Private for a monthly student loan payment of {$580.00}, or 20 % of my take home pay. With so much of my capital being funneled to my loans It makes saving extremely difficult and have had to rely on credit cards for unexpected life events and am now app roximately {$15000.00} in credit card debt.     My private loa ns (   XXXX  total ) alone make up {$54000.00} of the original amount borrowed and all had interest rates around  10-12 %.      I tried working with  XXXX   XXXX   ( now Navient ) to lower my p ayments. There only solution for me was to file for deferment and forbearance. Or, default on my loans and work with the debt collection companies .Eventually I stumbled on an ombudsman group were I filed a complaint and I was able to get my interest rates lowered temporarily.     However, each year I need to report my income. As I move forward with my career and my salary rises my interest rates on my private loans rise. Its   creating a " 2 steps forward 1 step back ''.
For an example if I earn an extra {$200.00} ( gross ) a month : My income driven plan rises, my interest rates rise on my Private loans, and then I pay state and federal taxes on that extra {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: TX
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 have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. I can give you the CFPB report number.I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report and correct all history and addresses DELETE XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CORRECT and verify Payment history XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UPDATE XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX ( only address ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In 2008, I lost my income due to the recession, so I applied at my lender ( Chase Bank ) to modify my loan. More than a   year after I applied and submitted all my documents to the lender, Chase approved my modification loan, and I stayed in my house and paid the new amount on time every month for ( 8 months ). However, soon after they sent a letter that told me that I am not approved for loan modification, which was very suspicious because they approved my loan modification. After four ye ars, during which I discussed my situation with all my friends and did research, I found out the lender tried to scam me. They were trying to get my money for 8 months before they did cancelled my loan modification and short sell my house. I believed that because I am  XXXX  and I did not know much about the law to protect my self, they exploited my lack of knowledge and tried to make as much money as possible at the expense of myself and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been in extr  eme financial hardship -- after I pay rent I have only {$40.00} to life on.
I called Walmart/Synchrony Bank and explained the situation ( I have NEVER been late before in over 1 year since I got the card ). T  his was 2 months ago and since then I have been receiving threatening and harassing calls abou  t 12X a day at all hours.
I am being harassed, threatened and intimidated. No one should have to be treated like this -- in addition they are putting on ou  trageous late fees AFTER I called and explained and asked to work out a payment plan.     This is outrageous and is affecting my health.

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: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I called equifax numerous times to see why my credit score wont update since XX/XX/2022 and its XXXX. When I use XXXX  it tell me equifax have not record of my history online i pay XXXX a month for yrs never had a problem until last 2 months with equifax. Then if I log into equifax.com I got message with a code saying due to technique errors ur report is not updated for months, and it tell you to call equifax customer service with code and they was not knowledgeable regarding equifax code etc. when I pay for my fico score equifax not updating at all it tell me same thing to call equifax, I have proof of all messages it give u when I log into all my credit accts. I called all my credit card companies, car note, student loan, etc accts and they been reporting for yrs with no problems. They report my name, ss, address I been at for yrs. These is not new credit accts years n years old acct in positive status. Everytime I called equifax back they tell me its not a problem no solution, and im n process of trying get a mortgage and my scores stop being reported with no info all of sudden since XX/XX/2022 .i have paid off cards and paid down cards other been reporting with XXXX  n XXXX  with no problems. I need help and a fixed solution .I pay money for my credit monitor services I have few of them for yrs and never had this problem with equifax until last 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ON XX/XX/2022, MERCANTILE ADJUSTMENT BUREAU , LLC SENT A LETTER TRYING TO COLLECT A CREDIT CARD DEBT OF {$15000.00} ... ON XX/XX/2022, I SENT A LETTER TO MERCANTILE ADJUSTMENT BUREAU , LLC TO VERIFY THE DEBT ... AS OF XX/XX/2022, IT HAS BEEN MORE THAN 30 DAYS, AND I STILL HAVE NOT RECEIVED ANY VERIFICATION OF THE DEBT... I WOULD LIKE THE COMPANY TO CEASE ALL REPORTING AND CEASE ALL COLLECTION EFFORTS OF THE DEBT IMMEDIATELY... I ALSO REQUEST TO HAVE THIS DEBT DELETED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: Navient Solutions, LLC.
State: LA
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 served my country in an  XXXX  program from  XXXX   XXXX   XXXX  and received a  XXXX   XXXX  Award. I have been trying to use this award to make my monthly loan payments, and had some success doing this in  XXXX  making  XXXX  payments between  XXXX  and  XXXX , with the last successful payment being  XXXX   XXXX . Although these payments tended to take eight or more weeks to post to my account they at least were posting, and  XXXX  was accepting them. Things began to change in  XXXX . I have made payments each month of  XXXX  most of which are not being posted to my account.   Because of the late delay between my payment and then posting it to my account, I have been making payments exa ctly 4 week s in advance to their due date in an attempt to avoid a past due account.     These are the following dates in  XXXX  that I have made an  XXXX  payments :  XXXX / XXXX / XXXX  {$190.00}  XXXX / XXXX / XXXX  {$190.00}  XXXX / XXXX / XXXX  {$380.00}  XXXX / XXXX / XXXX  {$190.00}  XXXX / XXXX / XXXX  {$380.00} Unexplained refunds given back to   XXXX   from Navient :  XXXX / XXXX / XXXX  {$190.00}  XXXX / XXXX / XXXX  {$190.00}  XXXX / XXXX / XXXX  {$380.00} Navient claims to have received payments posting on the following dates :  XXXX / XXXX / XXXX  {$190.00}  XXXX / XXXX / XXXX  {$190.00} When I contact Navient regarding this they tell me that it is simply because the money was never sent to them or received. When I speak to  XXXX  they are able to provide me with a check trace that confirms they did indeed send the payment and that it was accepted by my loan servicer. Each company tells me to contact the other one and says that it is out of their cont rol. Navient asks me  to provide things to prove my case that  XXXX  says is outside their policy to provide to me. Neither party can explain to me why my payments are being refunded after being accepted by the institution. My account is now {$770.00} past due and I am being harassed morning, evening, and night  by debt collectors for something that I have already paid. They do n't want to work with me and figure out where the money I have already paid them has gone, they just send me to debt collection and ask if I want to do forbearance or apply for an income based loan repayment. I just want to be able to use the money I  earned by working hard to serve this country to repay my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: EQUIFAX, INC.
State: NV
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 a couple of accounts on my credit report that I do not recognize. I also have a bunch of inquiries that I did not authorize. There are 2 addresses I have never lived at. Please remove them immediately.

Company response to consumer: Closed with explanation