BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
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:
Hello, EDfinancial is my loan servicer. On XX/XX/2023 I requested a refund for XXXX as I made a payment. However, due to family troubles and hospital bills I need the money to help my father and pay for it. I requested the refund same day and I got an email saying it was processed. However, when I called to confirm eta no one.. no one could tell me an eta. This to me is concerning because its been almost 3 weeks and there has been no updates on whether the refund can even be processed an accepted. I need to pay the bills off as soon as I can and I am very worried about not having the funds. I am hoping to get some help to get any info or speed on this process. Thank you for reading my store. Take csre

Company response to consumer: Untimely response
Consumer complaint received 2023-08-02
Company: MOHELA
State: MN
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 XX/XX/2023 I requested a student loan payment refund in the amount of {$1300.00} from Mohela under the XXXX XXXX payment pause. On XX/XX/XXXX, I checked my account with Mohela and my balance had increased by the refund amount. I previously filed a complaint with CFPB and received a response from Mohela on XX/XX/2023 regarding my refund. In the response, Mohela stated that they would manually request the refund and I should see the refund sometime in XX/XX/2023. In XXXX, I still had not received the refund and I reached out to Mohela about it. I was told to wait another 30 days. It has now been 6 months and I still do not have my refund, yet Mohela continues to show my balance as if the refund was sent to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a Capital One credit card for about 4-5 years and have other credit cards as well. In the past 3 years, I have other credit cards, such as XXXX, XXXX, XXXX and XXXX XXXX and in those past years, I have been getting credit limit increases all the time without a problem since I have excellent credit. As being a Capital One customer for about 13 years, I would feel that they would give it to me with no problem. That is not the case. I have been declined 11 times in the past 3 years for every reason possible, to ; not enough experience with current credit line, which I had for over 3 years already, not enough payment to the account, which I pay way above the minimum payment and too many obligations, which I do, but my debt to income ratio is very low and I feel disgusted that they throw any excuse not to raise my credit limit. I have called multiple times about this and Capital One response is that they can't do anything, it's too bad. Now, I feel this is discrimination, in that they just don't care about me and ignoring the facts that I have excellent credit, excellent payment history and enough experience and they throw every excuse at me and now I feel this is discrimination. If this is not resolved, I will close all my checking, savings and all my other accounts with them since they do not value me as a good customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
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 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 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-06-16
Company: Millco Management
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried to dispute this issue for a while now. I have called the XXXX XXXX, written emails with no avail. I NEVER received any bill for this matter at all. NOT ONE. They never called, I never got any mail, and they never sent anything to me that had to be signed ( certified ) to make sure I got it, nothing. I had disputed this on one of the credit bureaus and it has been removed. This is hurting my credit score for something I was not aware of and never received. When i saw it on my report I tried to contact them directly, all I got was a transfer all around the hospital. I dont believe this is fair to put on somebodys credit report immediately without trying to reach me another way if they saw the bill was not being paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter in late XX/XX/2021 from Remex Inc for a XXXX dollar copay that I apparently did not pay for XXXX XXXX in NJ. No clue how it ever got to this point. Never received a letter. Would have just paid it immediately had I known about it. Neither here nor there though. 

I immediately paid Remex with my XXXX  Credit Card to avoid this from showing up on my credit report as I am in the middle of closing on a house. I can't imagine a XXXX dollar mortgage deal being ruined because of a XXXX dollar copay ... 

I was recently checking my XXXX  Credit Card transactions and noticed there was an additional XXXX dollar fee for " Cash Advance. '' Basically, the way Remex charged me wasn't a regular credit card transaction. It was some sort of weird cash advance. I called Visa and they removed that fee for me. I asked Visa why this went through as a Cash Advance and they told me it's because Remex Inc charged me using some sort of cryptocurrency. 

The whole Remex operation seems really shady. I called Remex and asked them why they charged me as a cash advance and they couldn't give me any sort of explanation. They're just rude and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
At some time in XX/XX/2022, I initiated a dispute with the major credit reporting agencies ( " CRAs '' ) ; however, it has been more than 30 days and I have not received any communication from the CRAs. There is inaccurate information on my consumer credit profile that needs to be removed. I never consented to initiating a consumer credit profile. 15 USC 1681b ( a ) ( 2 ).

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 2023-05-08
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
MESSAGE FROM EXPERIAN CREDIT bureau : Our office recently received your correspondence regarding the above-mentioned consumers rebuttal of our response to their complaint. 

We have mailed a current credit report directly to the consumer for review. If there is information appearing on a credit report that is believed to be inaccurate or incomplete, we must have a specific dispute. Examples of specific disputes are as follows : not mine, paid in full, never delinquent or included in bankruptcy or for public record disputes : not mine, paid/satisfied, vacated or filed in error. If the status dates, amounts, balances or other specific data is incorrect, the consumer should also indicate what the correct information should be. Please specify the item or account name and number. 

Please provide the consumers specific disputes along with their complete identification information ( Social Security number, full name, current address, previous addresses in the last two years and date of birth ). Also, please include one copy of a government issued identification card, such as a driver 's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. 

Please note that they may submit their request or documents supporting their claim electronically at www.experian.com/upload. They may also visit Experians dispute center by visiting www.experian.com/dispute. 

For additional assistance, they may call the toll-free telephone number provided on their personal credit report obtained directly from Experian, or write to Experian at XXXX XXXX XXXX XXXX TX XXXX XXXX 

Experian strives to achieve a high level of customer service for all the consumers they assist. Let me assure you that Experian takes its commitment to efficient, expeditious service seriously. Thank you for allowing me to assist you. 

Sincerely, XXXX XXXX Senior Regulatory Affairs Associate Experian Consumer Affairs THEY ARE FULL OF XXXX! THEY CAN'T HAVE ACCURATE INFORMATION IF THEY DON'T HAVE MY INFORMATION. REMOVE THE NEGATIVE INQUIRIES FROM MY CREDIT REPORT NOW!!! EXPERIAN, XXXX, AND XXXX IS IN VIOLATION OF STATE AND FEDERAL LAWS.

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 2021-06-15
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I request a credit freeze/block/pin for TXXXX Experian, XXXX and 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 2023-08-09
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Subject : Request for Removal of Unauthorized Late Payments in Accordance with Applicable Laws Dear [ CFPB AND CREDIT BUREAUS ] Customer Service, I hope this letter finds you well. I am writing to bring to your attention a matter that requires immediate resolution. I have recently discovered unauthorized late payments on my account, which I believe are in violation of the four laws established to protect consumers ' rights. 

The unauthorized late payments in question occurred and I would like to request their immediate removal from my account in accordance with the following laws : 1. Fair Credit Reporting Act ( FCRA ) : This legislation ensures the accuracy, fairness, and privacy of information reported by credit reporting agencies. The unauthorized late payments are inaccurately reflecting on my credit report and must be rectified promptly. 

2. Fair Debt Collection Practices Act ( FDCPA ) : As a consumer, I am entitled to fair treatment by debt collectors. The unauthorized late payments were not authorized by me and should not have been reported to any credit bureaus.

3. Truth in Lending Act ( TILA ) : This act provides protection to consumers in credit transactions by requiring clear disclosure of terms and costs. The unauthorized late payments were not disclosed or agreed upon in any contractual agreement. 

4. Electronic Fund Transfer Act ( EFTA ) : This act safeguards consumers in electronic fund transfers, including unauthorized transactions. The late payments were not authorized by me and therefore should be considered unauthorized electronic transfers. 

I kindly request that you investigate this matter and take the necessary steps to remove the unauthorized late payments from my account and correct any negative impact on my credit score as a result of these inaccuracies. I expect a written confirmation of the actions taken to rectify this situation within 30 days of receiving this letter. 

If necessary, I am prepared to take further action to protect my rights under the aforementioned laws. I hope we can resolve this matter amicably and promptly. 

Please feel free to contact me at [ Phone Number ] or [ Email Address ] to discuss this matter further or to provide any additional information you may require. 

Thank you for your attention to this matter. I look forward to a timely resolution. 

Sincerely, 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 explanation
Consumer complaint received 2023-05-08
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2021-06-16
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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: MOHELA
State: OR
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:
In XXXX after graduating college, I am the process of consolidating my loans totaling approx {$160000.00} for the PSFL. At that time Fedloan guided me in the process. I also had a small parent loan approx {$1800.00}. Fedloan advices me to roll it in with the rest and assured me that it would not impact my ability to qualify for any IDR repayment plan not impact my public service loan forgiveness goal in any way. I specifically asked them and they assured me I would qualify for the repay pay as you earn IDR plan. I was placed on that plan for 1 year at which time they contacted me stating they made a mistake and I now only qualified for the ICR plan at 20 % off my income because I included a small XXXX XXXX in my consolidation. I made attempts to fix the situation and was told there was nothing I could do. I have talked to them, XXXX and the federal student aid office with no avail. Today I talked to someone at the federal student aid office who told me their understanding was that once a parent loan is consolidated it is no longer a parent loan and qualifies for all repayment plans. She stated she has been guiding people in this process for years and had no idea this was happening instead. I have filled multiple complaints and basically told too bad. I was lied to and misguided in the beginning and would absolutely never have added that small loan to my consolidation of I had known the effects. It has destroyed my life, caused severe XXXX and XXXX  and XXXX, financial stress and feeling hopeless as I will never be able to pay the loan off and the financial hardship is devastating due to their mistake and misleading information. I filed a complaint in XX/XX/XXXX and XX/XX/XXXX to the federal student aid center and was told that Fedloan did not put me on the repeat program and that I had been in the ICR the entire time which is not accurate. I know for a fact what repayment plan I was on and even they informed me of their error my payment amount tripled and my income has not changed. Im not sure what FedLoan did to make. It look like I hadnt ever been on that program but I was and I have a witness who was sitting there with me doing all of this. Please help me. This is my last resort before I file a lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-24
Company: Experian Information Solutions Inc.
State: MI
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 disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I took out two ( 2 ) loans with Synchrony Bank for a musical instrument for my daughter. I set up the two accounts in my XXXX XXXX XXXX online bill pay. I set up the account online after authorization and was total the both accounts required payment in late XXXX ( I believe XX/XX/XXXX ) so I set both accounts to make payment on XX/XX/2019 ( Loan # 1 - $ XXXX/mo and Loan # 2 -  $ XXXX/mo ). 

For each account, payments where made in XXXX. I started receiving calls in late XXXX. I sent two payment in XXXX and the calls continued. I travel extensively and thought the payments are going so not sure what occurred. I get marketing materials via email ... .my payments continued. 

Finally, I look at my snail mail and see - You are delinquent. My fiance calls to understand what is going on and Synchronicity Bank says, " You have to have your fiance on the call since the loan is in his name ... '' but the loan is in her name as well. They refuse to discuss the issue with her. 

Finally, I call with her and here is the story line - for the {$180.00} cent loan, you owe {$270.00} to put the loan back to good standing. Ok, I disagree, but I don't want to argue over this amount. I asked, can you fix the credit reporting. They said that I was delinquent. I explained that I made payments ... and you guys were the ones who started this off wrong to begin with ... do you see that I am making payments. 

Then the focus turns to the $ XXXX/mo load. You owe $ XXXX+ dollars. For what? Fees. Why is the other loan not taxed with fees. Its the same loan with higher principle. Right. Yes, but your payment of $ XXXX/mo is less. Its less because the principle on that loan is less. Correct? Yes, but you are delinquent. First, I am no more delinquent than on the larger loan. Second, that makes no sense what so ever. Please explain. There was no explanation, just pay the fees. Finally, I asked what is the full payment of the loan and I sent that amount in. 

The failure was that at no time could anyone explain what occurred or how the fees were different. Or more importantly, why there were tagging my credit. 

I am absolutely positive this is a practice by Synchrony Bank that others are experiencing.

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 monetary relief