BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-03
Company: EdFinancial Services
State: FL
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:
XX/XX/2022 : I requested for my full refund of {$3400.00} after reading about President Biden 's student loan forgiveness. I was given time line of 160 days which is ridiculous compared to other financial servicers timeline that is processed within 14 days. There was no confirmation emails regarding refund request. 

I have been checking my account to see if the balance has been reinstated, but it has not been. **There is NO way of saving the script that I spoke with chat agents as well. I've asked them for any scripts to be sent, they said they can not provide me with that information. 




Today XX/XX/2022 : I asked for my current status on Edfinancial Website, they were unable to give me any timeline, just mentioned it was " processing '' still. It is unrealistic how they can hold off people 's money and not releasing them in time like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 not given written instructions for any late payments to be reported on my credit report. Any negative reporting without consent is fraud and a form of identity theft. 

15 USC 1681 section 602 A- states I have the right to privacy 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 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 2022-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Got an e-mail in XX/XX/2022 about an account being opened for me at Bank of America. I called that day to report and spoke with their fraud department. They said they would investigate and that it would be closed. I kept getting bank statements monthly. No transactions. I called again around XXXX and went through the same process. Claimed the same thing would happen. Now today I got yet another statement that the account is opened. I XXXX  to see if others have had this happen and saw someone referred to CFPB.

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 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This debt has been paid off I was told it would be removed within 30 days and it has been over a year.

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 2021-03-22
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello : I have a mortgage with XXXXDovenmuehle Mortgage that I closed on in XX/XX/2020. My home is new and the property taxes were estimated for the escrow account. In XXXX of 2020 I discovered the estimated taxes ( {$2600.00} ) were much higher than the actual property taxes of {$710.00}. I began calling and emailing the lender to adjust my payment and perform an escrow analysis. On XX/XX/XXXX I emailed the actual tax bill to the lender and the first installment ( {$350.00} ) was paid to the county on XX/XX/XXXX. 
I finally received an escrow analysis on XX/XX/XXXX and the amount used for the taxes on the analysis is {$2600.00} which is not the amount due for the taxes. The lender has not adjusted my payment and/or corrected the analysis. When I brought this to their attention their response was I could file a complaint with CFPB, there was no assurance this would be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: AES/PHEAA
State: SC
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:
For almost ten years, I made payments to XXXX on my student loans for my XXXX degree. My loans were in forbearance while I finished my XXXX XXXX, which I paid for out of pocket as I went. XXXX sold my loan to XXXX. I have served the country ( XXXX XXXX ) and government ( XXXX XXXX XXXX ) for over 30 years and should qualify for service forgiveness, but my loan was sold, an act that was out of my control. When I called the lenders, they told me I'd need to refinance my loan and start over with the ten years of payments. That is unfair, and how do I know that my loans won't be sold again before I pay for ten years. Thanks for your help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Unifin Inc.
State: NJ
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:
On the day XX/XX/2020 the agency UNIFIN contact me to collect a debt to XXXX XXXX XXXX on the amount of {$1000.00}. The paper clearly says that the statute of limitation of this debt has already expired and that they will not report it to any credit reporting agency but the debt still shows on my credit score and history

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I paid Navient ( remaining total balance of over {$32000.00} ) to close out my account of a {$160000.00} mix of mainly private loans all from XXXX XXXX/ Navient ( 2005. ) I called with articulated problem ( closing account via payment in full, also requesting a transcript of the conversation - having money mis allocated before ... I just want verification that I 'm done. I look at my account - it says I owe over {$270.00} still, yet loans all read XXXX. It also does not give me the option to even pay the false amount I owe.
I only seek freedom from this oppressive bullying, I have never been able to accomplish IBR or foreberence ( paid for, not fully awarded to me.. ) Which is in previous complaint after great amounts of overlap and false bullying and threats to credit and collection from my grandmother - co signer.
Please help me close this thing and have record that I 'm free? Thank you for all of your time. - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Commercial Trade, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was mailed a letter in the mail 2 years ago letting me know about a debt with a mini storage that I've never rented a storage from. I've been to that mini storage 1 time to inquire about renting a storage but the prices were not within my budget so I left never signed a contract for one. I lost my wallet XXXX of XXXX at a friend 's house. I canceled all my cards after this happened but my ID and social was in the wallet. When I became aware of this situation with the storage company I contacted the collectors they sold the debt to only to be told they have my signature and had to phone hang up on me. I've never heard from these collectors since then but they keep reporting this debt on my credit report. I've never had a late payment on any of my credit cards or loans. This debt is harming my credit dramatically.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a call from Source Receivable, located at XXXX XXXX XXXX , # XXXX, XXXX, North Carolina XXXX, a debt collection agency beginning the week of the XXXX in the month of XXXX. The lady I spoke with stated that my debt could be settled for a lessened fee. I agreed and gave her my card info, I then told her that I could not make the payments right away. She informed me that that indeed was fine and that they would not take any unauthorized payment from me unless I gave authorization to do so and that she would give me a call back Friday to see if I could make the payment. I did in fact receive a call back that following Friday and spoke to a male. I explained to him that I could not talk due to having a patient with me which was the end of our conversation. No further details were discussed. I then noticed today, XX/XX/2018 that there was a transaction taken out by the agency in the amount of XXXX. Upon further reviewing my bank statements I realized that the first transaction taken out was Friday, XX/XX/2018, the very same day that the male called me although I couldnt talk to him at the moment. A total of 3 payments were taken out. I then called Source Receivable located at XXXX XXXX XXXX , # XXXX, XXXX, North Carolina XXXX in order to dispute the transaction. The male representative I spoke to told me he nor his supervisor could interpret the tape and that someone else would call me. 2 hours later I received a phone call from a Lady named XXXX, who told me that O wasnt getting my money back, and that if I didnt authorize the call why did they have my credit card number. I explained to her that I did in fact give my credit card number but stated I could not make those payments, I then informed her that the lady said I would get a call back Friday to authorize the payment. She then told me that I did not get a phone call back and that the lady never told me she would call back and get an authorization. She was very nasty and disrespectful, I asked for her last name and she informed me that she would give her first name only, I ask her if I could review the tape and she said no. The company went from telling me they couldnt understand the recording to telling me that the lady I spoke too did not say what was said when she in fact did. I did not receive any letters in the mail of any monies retrieved from my account from this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I am writing to express my serious concerns regarding multiple unsuccessful attempts to remove fraudulent items from my credit file. My name is XXXX XXXX XXXX XXXX. 
, and my social security number is XXXX. I have attached relevant documentation, including previous dispute letters and supporting evidence, for your reference. 

I first contacted the Credit Bureaus to dispute the presence of fraudulent items on my credit report. These items are inaccurate and needs to be removed. I provided evidence supporting my claim that these items are indeed fraudulent and should be removed from my credit report. 

Despite my repeated attempts, the fraudulent items continue to be listed on my credit report, negatively impacting my creditworthiness. I believe that this situation is not only affecting my financial well-being but also causing me undue stress and frustration. 

I request that you take immediate action to investigate these fraudulent items and remove them from my credit report. I have enclosed copies of the following documents to assist in your investigation : Any supporting documentation proving the fraudulent nature of the items in question. 
I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies and creditors to conduct a reasonable investigation when a consumer disputes the accuracy of information in their credit report. I request that you fulfill this obligation promptly and fairly. 

Please provide me with written confirmation of your investigation 's outcome and actions taken to remove the fraudulent items from my credit report within 30 days from the receipt of this letter. Additionally, I request a free copy of my credit report with the removed fraudulent items once the investigation is completed. I am asking for your assistance to remove these fraud items in my credit file 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 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

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 2021-09-13
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the lists of inquiries that are still reporting on my Credit Reports : XXXX-Date of Inquiry XX/XX/2021 XXXX-Date of Inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: GA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: AR
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:
When I investigated my credit report, I realized that some of the information was erroneous. It is not permissible to fail to validate these reporting accounts as unverified information without providing proof. Please investigate the accounts that are erroneous in my credit report : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$45000.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX  XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2019-09-12
Company: Paypal Holdings, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company " XXXX XXXX XXXX '' sent a collection letter to us stating that PayPal is the original creditor and we owe money, but we still have an active and in good standing account of the ONLY PayPal account that we have, so how is it that we are in collection mode from PayPal? 

So these RED FLAGS is what prompt us to send this complaint because this sound fraudulent, I ask the agent question which she did not want to disclose, and only wanted to know all of my information with out disclosing any of hers, and I not wanting to disclose more information on something that is clearly a very suspicious attempt of collection on behalf of PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
On XX/XX/XXXX I requested the removal of a credit freeze from TRANSUNION, I was not notified of any issues, and was alerted that the freeze had been removed. When my wife and I applied for an apartment on Friday, XX/XX/XXXX, my assumption was that this freeze had been removed. 

However, I received a notification from the potential landlord on Monday, XX/XX/XXXX that the freeze was still on my account, and I would be charged an additional {$35.00} ( with no guarantee of getting this apartment ). 

When I called TRANSUNION, two people incorrectly told me that the freeze had already been removed, and refused to acknowledge that there was an issue. After 45 minutes on the phone, I finally spoke with someone who acknowledged and error. However, they told me the account needed to be frozen for an ADDITIONAL 5 DAYS, and that they would not alert me when the freeze was lifted ( I would have to sit on the phone for another hour to determine this ). It was important to confirm this, because I did not want to have another {$35.00} fee for a failed credit check. 

When I called back today, I had several people tell me that nothing was wrong with my account ( similar to last time ), I had to spend 45 minutes on the phone before someone was able to confirm that maintenance had actually been performed. 

This is an unbelievable abuse of the power, and I believe that in order to maintain all of their proper accreditation, they should put in additional stop gaps to prevent this from happening.

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