BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
Company: EdFinancial Services
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XXXX, XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of Bidens Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I was XXXX XXXX XXXX XXXX XXXXnd am therefore eligible for XXXX in forgiveness. Throughout the pandemic I paid almost $ XXXX in eligible payments. It seems as though Edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. 

Since my initial request for a reinstatement of eligible loan payments, I have only received a reinstatement of {$130.00}, significantly less than my requested payments. I was told that this was because of the closing of several loan accounts held by my previous processor ( XXXX XXXX ) due to eligible payments made. In a response from a previous complaint submitted to CFPB, I was told by an EdFinancial representative that I would need to contact XXXX XXXX. The representative at XXXX redirected me back to EdFinancial for any refund requests, as XXXX XXXX no longer services federal student loans. Yet again, I reached out to EdFinancial for the status of my previous refund requests only to be met with the representative being unable to provide processing times for my request. This request has been processing since the end of XXXX with little to no updates along the way. I am very frustrated with the process of reinstating and refunding my eligible loan payments, as EdFinancial has the list of payments as well as bank statements for proof of payment and I have not been processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: MoneyLion Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I went on a cruise on XXXX XX/XX/XXXX and used my XXXX debit cards for purchases onboard the ship which placed a several holds, ( XXXX {$100.00}, XXXX {$100.00}, XXXX {$80.00}, XXXX {$53.00} and XXXX {$10.00} ). Upon my return my charges were settled totaling {$290.00}. On XX/XX/XXXX the charge of {$290.00} posted however, the holds ( pending authorizations ) were not released causing my account to show overdrawn- {$180.00}. I contact XXXX and explained the situation and was advised I would have to wait XXXX  days and the authorizations would be released. On the XXXX, the authorizations were still pending so I called XXXX back and was told the original information was incorrect and it was not XXXX  days but XXXX business day. I called today XXXX and was told by a supervisor that the initial information was correct that XXXX  days is the hold time before release but since the funds were not released then I would have to wait indefinitely for those holds to be released or I would need to contact XXXX to have them send an email to have the funds released. This has caused a major financial detriment. I am concerned about XXXXXXXX XXXX transaction hold processes. If I am being told that the process is XXXX standard days and the authorization holds should be released and they see that has not happened, they should have released the funds however, they are saying they won't be released unless XXXX sends that email and if XXXX does not send the email the money will remain on hold. That does not seem fair to the consumer nor does it sound like a good way to conduct business especially with other people 's money. am at the mercy of this company unless I can convince the merchant to send that email.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
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: Personal information incorrect

Complaint:
Unidentified address ( XXXX XXXX XXXX, XXXX XXXX, CA 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 2022-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX hello again, cfpb! thanks for helping get the recent judgment against XXXX XXXX! perhaps i can now get restitution for their deceit in stealing my property and selling it in foreclosure back on XX/XX/2012. bank of america was servicing the loan for XXXX XXXX, and i was unaware of this until it was too late. i called bank of america, sent in all my loan modification papers ( over and over ) and i was just lied to by bank of america ( on behalf of XXXX XXXX ) continuously. back then, i wrote letters, emails and called so many places to help me fight the fraudulent foreclosure, including cfpb, then secretary of state XXXX XXXX, etc. please see my old cfpb file numbers ( now closed ) of XXXX and XXXX i understand at the time that cfpb could not help me, but now that XXXX XXXX  has been brought to justice, i am hopeful to get my retirement nest egg back ( that was invested into my home that was deceitfully foreclosed upon ). in summary, i have the main letter from bank of america that shows how they were tricking me ... because the letter said that i could not qualify for a loan mod BECAUSE the XXXX mortgage holder would not agree to stay in second place. i called dozens of times to tell bank of america ( working on behalf of XXXX XXXX ), and i sent them a preliminary title report to prove that i did NOTeven half a XXXX mortgage. it didn't matter to them. they were just gaslighting me over and over again, and i had no recourse, no one to stand up for me. bank of americaXXXX XXXX just kept declining me until they could finally take my property from me. please help me get my nest egg back. thanks!

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 2023-11-06
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an email from a credit monitoring company that a major derogatory was placed on my credit reports. The derogatory was for a stranger, different first name, different last name. I called the collection agency on XX/XX/XXXX  and was told that I owed money to an apartment complex in XXXX, TX. I tried to explain that they had the wrong person, was told repeatedly that the debtor used my SSN and date of birth to rent the apartment, they had no answer on why the name was different from my name. The woman I spoke to asked if my identity was stolen, I said it must have been if the debtor used my SSN and date of birth, she emailed me an identity theft affidavit, told me to file a police report, which I did. I researched the XXXX eviction database and called the original creditor and learned that the debtor did NOT use my identity. The collection agency lied to me about that. The collection agency has admitted that they put the collection on the wrong person 's credit report, but did not address my statement that they lied about whose information was used for the rental. I wasted hours of my time, wasted police resources to file a police report that was not needed, have suffered XXXX and XXXX XXXX  from the stress. The collection agency lied to me about the debtor using my identity, and they did not exercise reasonable care when they randomly picked my credit report to post the collection derogatory. Different names, different SSNs, different ages, different states of residence. There is no excuse for lying to collect a debt, and I believe some type of due diligence should be exercised before randomly " picking '' a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Concord Servicing Corporation
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I sent a notice to rescind to Concord Servicing Corporation along with an affidavit of fact to which they have not responded. I submitted an application to them extending my credit for personal, family, and household use on or about XX/XX/XXXX. I discovered they used my application information to obtain monetary advances through pooling pursuant to 17 CFR 229.1101 ( c ) ( 1 ). They did not provide me with proper disclosures or notices which is a violation of the Truth In Lending Act. In addition to this, they also changed my address on this loan. They have been very deceptive with their criminal behavior and have caused me significant harm. Since they failed to respond to my notice to rescind and my affidavit, I am submitting this complaint. I have attached a copy of the documentation I submitted to them which details their criminal behavior for your review. Thank You!

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 2023-11-06
Company: Block, Inc.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
So I had a fraudulent charge on my cash app debit card I filed a dispute the next day per there policy I should have gotten provisional credit but I still have even though the merchant has sent me an. Email stating they have already sent the money back so there shouldn't be an issue with me getting provisional credit I've called cash app numerous times an keep getting blown off given lies as answers it's insane I can't even speak with a supervisor! An there so rude it's unbelievable

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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:
I was told that such inquiries would be soft inquiries not hard inquiries. However, my credit report shows otherwise. 

Inquiry : XXXXXXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXXXXXX XXXXDate of Inquiry : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: EQUIFAX, 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 Reporting act XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Original Creditor Account # XXXX, Original Creditor Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020 I noticed a collection account in the name of Resurgent Capital Services LP. I went to their website to find out the total amount and any offers to pay down the amount to settle the debt. The website indicated the amount owed was {$2500.00}. Their website indicating offer for {$1200.00} this debt will be settled. So, on XX/XX/2020 at XXXX XXXX I made a payment to resurgent capital services L. P. For the amount of {$1200.00} in hopes that the debt would be settled. On Monday XX/XX/XXXX at approximately XXXX XXXX I went to their website an indicated that the full amount was still owed and at that offer that was originally promised to me was no longer there. I had made several attempts to contact the company and there was no answer via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Block, Inc.
State: VA
Product: Credit 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 Wednesday XX/XX/XXXX I purchased a aftermarket set of custom wheels for my vehicle the website offered same-day local delivery the total amount I paid was {$5200.00}, The order was never received the same nor next day and the merchant has since refused all communication with me since receiving payment and there website is no longer accessible. The purchase was made via my Cash App debit card so my only other option was to dispute the payment as product not received. The dispute was denied within 3 days by cash app and the reason provided was the merchant fulfilled their obligation. This is a blatant lie and I do not believe cash app investigated this issue at all, The merchant never shipped nor delivered the order or provided any tracking what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Exeter Finance Corp.
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 Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XX/XX/XXXX Balance : {$18000.00} EXETER FIN XX/XX/XXXX Balance : {$22000.00} XXXX XXXX XXXXXX/XX/XXXX Balance : {$560.00} XXXX XXXX XX/XX/XXXX Balance : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: EQUIFAX, 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:
The following Account has never been late and the credit bureaus are reporting inaccurate information. As well as many other inaccuracies in their report. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now its not time to update, I demanded that you IMMEDIATE DELETE THE LATE PAYMENTS from my credit report. 

ACCOUNT : XXXXXXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, They have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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 Reporting act XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Original Creditor Account # XXXX, Original Creditor Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Several months ago I got a new phone number. Shortly after I got a newer cell phone. Since it was new to me I had to log into my apps for the first time on my new phone, including CashApp. When I attempted to log in with my phone number, it logged me into the person 's CashApp account who had my number in the past, a person I did not know. I contacted CashApp to straighten it out. I was shocked at how easy it was for me to sign into the other person 's account through no fault of my own. It took the agent I was chatting with several times for them to understand what had happened. They even addressed me by the other person 's name which added to my frustration. A few days later I was using CashApp and a screen appeared telling me my account was closed for terms of use violations and they wouldn't tell me why it was closed. I have tried several times to reopen my account and I've reached out to cashapp but I believe they are punishing me for making work for them but none of this was my fault. I am literally the victim here and cashapp made it worse. They should open my account for me. I am a small business owner and I rely on cashapp for several customers. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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: Investigation took more than 30 days

Complaint:
I have sent XXXX XXXX XXXX XXXX a certified green receipt for 1006.34 Validation request letter, which that have signed and received on XX/XX/2022. I have not heard or received any thing in regard to my request. I have also called Transunion and advise them that per 1006.34 ( b ) ( 5 ), XXXX XXXX has not responded or followed the law that has been put in place for validation of debt. I am following the laws that have been put in place for debt collection and the credit reporting agencies to follow, which now debt collector or credit reporting agencies have been doing.

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26
Company: Experian Information Solutions Inc.
State: CA
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:
All three CRA 's have yet to fic the issue of a BK on my credit report that to this day affects my family getting the chance they deseve. Going back 5 years now XXXX, Experian and XXXX  continue to report a discharged XXXX  balance BK that was never proven with court records. I have never been to court, paid a dime or discharged or have any debt forgiven in such a manner. I never attended a settlement conference, never appeared in federal court on the matter and yet here we are. The CRA 's simply check with XXXX XXXX electronically and on we go with the nightmere.

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