BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: EdFinancial Services
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
EdFinancial Services has notified me several times about how the change in their online servicing system, that my loans will be transferred to this new system before interest starts accruing on my loans on XX/XX/XXXX. Once the loans are fully transferred to their new system, I will receive a confirmation email from them and will need to make a new account on their new system to set up a profile. 

Their first email about this transfer was on XX/XX/XXXX stating that the transfer would take place on XX/XX/XXXX I then receive another email on XX/XX/XXXX, stating that there was a slight change from the original transfer date ( XX/XX/XXXX ) and that my federal loans will be transferred at a later date, with no mention of the new date in the email. 

I then received a XXXX email on XX/XX/XXXX stating that effective XX/XX/XXXX, EdFinancial will transfer my student loans to the new online service and that 2 weeks after XX/XX/XXXX, I will need to create a new online account once I receive a confirmation email from them. 

No email was received on XX/XX/XXXX about setting up a new profile. 

XX/XX/XXXX, I called EdFinancial to ask about this issue and that I wanted to pay off my federal student loans XXXX before interest resumes in XXXX. The CSR said that the transfer processing from her side and that I should be receiving an email from them on XX/XX/XXXX to set up my new profile once its complete XX/XX/XXXX, I receive an email with the same message that there has been a " slight '' delay in transfer date. No specific date mentioned about when it was to be completed. 

XX/XX/XXXX, I never received an email to set up a profile like the customer service rep said in the phone call. 

It is now XX/XX/XXXX, and still no email to set up a profile. In fact, I got an email from them at XXXX tonight ( XX/XX/XXXX ) stating that theres been a delay with the transfer- no specific date mentioed. 

If I try to log in with my old credentials, or try to go ahead and set up a new profile without the their email, it states that EdFinancial has no record of my account even when I provide my full name, birth date, and social security number. At this point, I can not access any of my loans to pay them off before interest resumes on XX/XX/XXXX. 

What is the delay?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for the XXXX XXXX Credit Card issued through XXXX on XX/XX/XXXX. Due to a fraud alert on my credit file, XXXX reached out to my to further process the application on XX/XX/XXXX. I verified that I had done the application and I was told everything was good to go to further process the application for an approval or denial. Later on XX/XX/XXXX, I received an email saying I was approved for the card. On XX/XX/XXXX, the fraud and review team reached out to me and stated that they couldn't verify my identity and that I needed to pay for and send notarized documents in so that they can remove the hold off of my account for ID verification. I had advised the agent that I spoke to someone and they had already verified my information with questions and calling my number that's on my fraud alert. The agent told me that I would still need to send in the notarized documents as an added security for the account. I send in the documents twice ; once on XX/XX/XXXX and again on XX/XX/XXXX because I was told the first set wasn't received. On the call with an agent from the fraud and review team I was told that there were XXXX notarized documents in front of mine and everything would be reviewed in the order received that day. I was told to call back at the end of the day. After XXXX days of getting the runaround in regards to my documents I call today on XX/XX/XXXX and ask what's going on with everything. I was told by an agent that my account was closed because I was considered a high risk and they felt I would do fraud on it. This is so frustrating because I was told that once my notarized documents were reviewed, the account would be good to go. That was so far from the truth. My next question is if you all thought I would do fraud/ was high risk ; why have me pay all this money to send in notarized documents and then continually dismiss me when I ask that. I want the money I paid for the notarized documents back and I also want the information for the legal department because I am getting my lawyer involved. I have done absolutely nothing for an agent at a company to tell me they suspect I'll do fraud and I'm high risk. I've never done fraud before ; so outside of me being XXXX and having a XXXX XXXX XXXX, what would cause XXXX XXXX say such a disgusting statement.

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I am writing to bring to your attention a matter of significant concern regarding my credit report. After a thorough review, I have identified several accounts that I believe are a result of identity theft. I demand the immediate removal of these accounts as the reporting entities have failed to provide sufficient evidence to verify the legitimacy of the debts. I have attached copies of my Federal Trade Commission ( FTC ) Identity Theft Report, filed under report number XXXX, as well as supporting documentation to substantiate my claim. I request a thorough and immediate investigation into this matter, and I insist that you comply with the FCRA by removing these inaccurate and fraudulent accounts from my credit report. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2023-08-25
Company: FIRST PORTFOLIO SERVICING INC
State: CA
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:
I viewed my reports and noticed items that weren't mine. I haven't applied for credit with 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 2023-04-21
Company: Experian Information Solutions 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 submitted a dispute requesting proof of debt on XX/XX/XXXX and XX/XX/XXXX of 2023 and have not received validation of the debt from XXXX and Transunion.

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 2022-10-25
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: Their investigation did not fix an error on your report

Complaint:
To whom it may concern, Block and remove all information resulting from Identity Theft pursuant to 15 U.S.Code 1681 c-2 under the FCRA which states a consumer reporting agency shall block the reporting of any information in the file of a consumer not later than 4 business days after the date of 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. 

This is an identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: IL
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 recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: In progress
Consumer complaint received 2023-08-25
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In early 2019 Credit Acceptance Corporation had the understanding that I was unable to pay my bill. I voluntarily repossessed the vehicle due to not being able to make payments they stated that they would then put it under voluntary repossession and I wouldnt be responsible for the balance of {$13000.00} for a used vehicle. When you pull my credit report it does not show on the report. But when you pull my public records it shows they are trying to garnish my paychecks in which I had no knowledge of this and havent spoken to anyone about this. To my understanding once the car was out of my hands it was not going to be on my credit report or I would have my paychecks garnished.

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 2023-11-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have not received any verification of debt ( XXXX XXXX XXXX XXXX XXXX Company violated the cease and desist by reporting to the credit bureau without providing written proof as requested. I have not received any proof of debt or signed documents by me that validates the debt and its been over 90 days. Laws 15 USC 1692 have been violated by the companys actions and I request you to remove this negative account from all bureaus immediately!! I will be looking to file suits and complaints with ftc because my rights and livelihood been affected by there actions.

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 2023-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was told i was on a hardship plan of {$70.00} a month. All of a sudden this payment plan changed to a minimum payment without notifying me. When i made a hardship payment instead of the minimum payment i had no idea my credit score was lowered from XXXX to XXXX. 
I was decieved into making larger payments then penalyzed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report. 
XXXX XXXX Balance : {$690.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: FinCo Services Inc DBA Current
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
There was a dispute made for payment made of {$1500.00}. The money was deducted from my account on XX/XX/2023. The dispute was made on XX/XX/2023. The dispute was canceled on XX/XX/2023. The update and confirmation was on XX/XX/2023, however, the funds have not been processed back to the merchant. The funds were a down payment for a vehicle and the dispute was originally supposed to be just for fraud website where I purchased a bag. This payment along with another payment was added to the dispute which is why I canceled it. The money was not sent back to me and the merchant is implying that the funds are not sent back to them as well. My vehicle is being detained due to these accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: JPMORGAN CHASE & CO.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Visit in person the JP Chase local branch at XXXX XXXX XXXX, XXXX, VA XXXX. Spend 2 hours in the branch, and had to return three times to get the bank to endorse the insurance claim check the was made out to myself and JP Chase. I was repeatedly told they could not help and I had to mail in it because their computer told them to tell me they couldnt help. I worked with cashier, associate, and manager. Even after they handed me a stack of paperwork with confusion, instructions it would have taken weeks to have the check endorsement. Even the documents stated I could bring it into a local bank which I show them and they said they couldnt help. I had to call the corporate office to call the local branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have had this card now for about a year. I had two cards sent to me which I activated but were declined by merchants. I however was sending the company $ XXXX  monthly for several months. I filed a complaint with them and they were investigating. They reported me late recently. I do not believe a negative report is sustainable under the circumstances and should be removed. My account is current.

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 2022-10-25
Company: EQUIFAX, INC.
State: AZ
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:
On or about XX/XX/XXXX XXXX XXXX reported private information to one of my partners ( XXXX ) which has and continues to cause me financial harm. I have lost an estimated {$14000.00} ( {$1200.00} weekly ) due to this unauthorized reporting. In accordance with the FCRA, XXXX is in violation of : 15 USC 1681 section 602 which states I have a right to privacy. 15 USC 1681 section 604 also states a consumer reporting agency can not furnish an account without prior written instructions. 15 USC 1681 C ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information or adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have been disputing unverified, fraudulent and non consented information reporting on my consumer reports dating back to XXXX. I have been a victim of identity theft. I have sent over 7 correspondence to all three major consumer reporting agencies requesting validation of debt, correcting name, address, and phone number along with requesting the removal any fraudulent accounts, inquiries, names, addresses, and/or phone numbers showing on my consumer reports that are not valid with minimal corrections. The companies Equifax, XXXX and XXXX were all asked to provide proof being a contract/agreement validating any disputed items on my consumer report and I have yet to receive anything but its verified. Someone needs to be held accountable for the fraud taking place including but not limited to the unauthorized use of my XXXX XXXX XXXX XXXX XXXX and restitution should be made by any company or individual without my consent or a valid contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
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: Reporting company used your report improperly

Complaint:
I sent letters over 30 days ago asking how do you verify bankruptcy and how did you get this personal information on my credit report. 
I also ask them to verify this bankruptcy on my credit report and send me a letter explaining the procedure they used to verify this Bankruptcy listed on my credit report. 
They have also blocked me from filing disputes online.

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 2023-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Description of concern : Opened a new credit card account with capital one XX/XX/XXXX. 
Over time, I established good credit history and received random credit limit increases and added my children as authorized users to benefit. 

In XXXX, I began having financial difficulties and set up a payment plan with capital one. I removed my children as authorized users so their credit wouldnt be negatively affected. 
In XX/XX/XXXX, I reported XXXX XXXX XXXXXXXX XXXX that my social security number was compromised. 
XX/XX/XXXX, I saw that one of my children was still listed as an authorized user so I removed her again from the capital one account. 
XX/XX/XXXX, I accessed the capital one app to pay my bill but couldnt because it said my account was closed. I immediately called capital for clarification. I spoke with XXXX who stated my account was closed and that he could not provide me any more information on my Capital one checking account or Capital one credit account. 
Called back later in the evening and spoke with a female manager who provided me mailing information on how to file a complaint regarding my account. She advised me to file my complaint with Credit Bureau Dispute Department with Capital one at XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. 
One week after speaking with the female manager, I received a letter in the mail dated XXXX, stating that my identity fraud investigation is now closed and they found the account to be fraudulent and I was not held responsible. 
I contacted XXXX XXXX XXXX XXXX and provided them with my concerns and all the information I received from Capital one. They informed me that would contact capital one regarding the fraudulent report and seek resolution. 
XXXX XXXX XXXX XXXX provided me a restoration case number # XXXX. 

As of XX/XX/XXXX, XXXX was not able to resolve my concerns with capital one. 

On XXXX @ XXXX XXXX Account Manager Fraudulent department. He stated he could not provide me any information. I have to mail or fax a request to capital one before information will be released to me. No fax number was provided. 

XXXX @ XXXX spoke with XXXX XXXX He stated he couldnt see fax number listed but placed me on hold to obtain additional information. Call disconnected during hold. 

At this point, I want the following Resolutions : -I want Capital one to validate my account as not being fraudulent. 
-I want Capital one to Remove any and all adversity/adverse flags from my name and account that prohibited/interfered with the 3 credit bureaus from the fraudulent reporting.

-I want Capital one to Restore my credit history and reports with the 3 credit bureaus. 
-I want Capital one to Restore my account with capital one. 
-I want Capital one to Credit my account for months my account was closed.

Company response to consumer: Closed with explanation