BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-10
Company: EdFinancial Services
State: AL
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/XXXX, I contacted EdFinancial to request a refund for the payments that I made during the COVID Payment Forbearance, when payments were not required. I made payments from XX/XX/XXXX- XX/XX/XXXX before my loans were transferred to XXXX. The total payment amount I made during this time period was {$26000.00}. I received no email or paper correspondence confirming that my refund request was actually submitted. On XX/XX/XXXX, I reached out to EdFinancial again to confirm that the request was submitted. I received a email back from " XXXX '' with the following message : " Our records indicate that your request was submitted on XX/XX/XXXX. Please allow 7-10 business days for review, and 60-90 days for processing your refund. We will notify you if anything else is needed. '' After over 90 days had passed, I reached out to EdFinancial again on XX/XX/XXXX. I spoke to agent " XXXX '' on their virtual chat. I was provided no further information, other than my request was still " processing. '' She was not able to give me an estimated completion date. When I asked when I should follow up again to ensure my request does not get lost, I was told " there is no need to follow up again until the request has been processed. '' My loans are currently pending transfer to XXXX, and when I asked if this would cause a problem with the processing of the refund, the agent was not able to answer this question. 

My loan balance has not increased since requesting the refund. I have received no correspondence from EdFinancial on its progress and I was given no estimated date when I should see my loan balance increase, or when the refunds would be processed. I have no physical proof than my refund was ever submitted and I have very little faith that I will get any amount of my payments back, even though the federal government has stated that these payments can be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Experian Information Solutions 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, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacv.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-12-09
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
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:
Since XXXX, XXXX, after an agreed mediated settlement for divorce, my es-spouse was awarded all business related credit card debts along with inventory. On XX/XX/XXXX, I spoke to personnel at PenFed credit union to advise of the settlement. I was told a certified copy with a judges signature would be required. Due to my ex-soouses delay, the decree was finally signed on XX/XX/XXXX. Between XXXX and present XXXX, Ive repeatedly submitted disputes via XXXX. I not only uploaded the documents through XXXX, but on XX/XX/XXXX, I physically went to PenFed Credit Union and hand delivered the documents. I was reassured this would be resolved. Despite my disputes, my contact at the bank, and provided copies of the certified order, my name remains associated as an authorized user only while my ex-spouse habitually exceeds the credit card/limit. XXXX continues to report the dispute is resolved and my status remains. Consequently, this continues to adversely affect my credit score. In good faith, I removed myself from a XXXX Bank business credit card and checking account and removed him from my personal accounts as an authorized user to prevent any potentially harmful impact on his credit.

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 2019-03-27
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX And my Information was stolen. Thieves are continuing to try and use my information to get goods and render services in my name. It has stopped me from getting a house and a car. I originally filed my fraud alert on XX/XX/XXXX. As of today, the fraudulent accounts are still reporting to my credit.And I don't Know why.. 

These Account are not mine and I have no clue how they got there. and its hindering me from progressing financially EXPERIAN XXXX XXXX  XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XX/XX/XXXX {$190.00} XXXX XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX   XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$190.00} XXXX  XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$300.00} INQUIRY- XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$190.00} XXXX XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$300.00} Please Remove these fraudulent accounts from my credit report. My information was compromise and I strongly believe my information was victimized by the breach. I do not know where the accounts came from nor did I open any of theses accounts. 

I am currently in the process of consulting with my lawyer on weather I not to proceed with a lawsuit if the accounts are not removed Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case EXPERIAN XXXX XXXX Operations Manager Experian XXXX XXXX@Experian.com XXXX XXXX CEO CEO Experian XXXX XXXX XXXX@experian.com XXXX XXXX XXXX Executive Vice President XXXX  XXXX XXXX XXXX XXXX Director Fraud and Identity management XXXX XXXX XXXX XXXX  XXXX XXXX Senior Vice President XXXX fraud/ID Theft XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Corporate vice president chief legal officer 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 2019-03-27
Company: Allegiant Capital Recovery LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
A XXXX from Allegiant Capital threatened with taking me to court and scared me into paying XXXX $ over the phone. They keep calling me and my work place even though I clearly asked them not to. They would not send me a receipt or any paperwork about what the debt is about or that I paid XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
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:
Im re 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 COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed 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 is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX : {$29000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$890.00} BANK XXXX XXXX XXXX XXXX : {$7200.00} XXXX XXXX XXXX : {$3000.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX VERSE ) XXXX Balance : {$360.00} XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX XXXX  ) XXXX Balance : {$530.00} XXXX XXXX XXXX MO XXXX XXXX Creditor Name XXXX XXXX CO XXXX AZ XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$7500.00} BANK OF XXXX XXXX XXXX : {$7200.00XXXX XXXX XXXX  XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXX : {$31000.00} ( peviously Late open ) XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX : {$670.00} XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX According to FCRA XXXX XXXX ( 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 non-monetary relief
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: GA
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 was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX XXXX XXXXXXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX CA XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; 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 non-monetary relief
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have writing several dispute letters disputing the reporting of late payments on my XXXX XXXX XXXX account, as reflected on my credit report. I believe that Transunion, as a consumer reporting agency, has violated the provisions outlined in the Fair Credit Reporting Act ( FCRA ) Section 1681a ( 2 ) ( A ) ( i ), particularly regarding the reporting of information during the COVID-19 pandemic. As a result of the unprecedented circumstances created by the COVID-19 pandemic, I, like millions of other individuals, have faced significant financial challenges. These challenges have included job losses, reduced income, and unexpected expenses, making it difficult to fulfill all of my financial obligations in a timely manner. In accordance with the FCRA Section 1681a ( 2 ) ( A ) ( i ), it is imperative that consumer reporting agencies, such as Transunion, report accurate and up-to-date information. Given the unique circumstances brought about by the COVID-19 pandemic, it is essential that these reporting agencies consider and properly reflect the impact this global crisis has had on individuals ' ability to meet their financial obligations. Additionally, Prior to the pandemic, I maintained a good payment history with XXXX XXXX XXXX. However, as a direct result of the pandemic 's adverse impact on my financial situation, I experienced difficulty in meeting the original payment terms. In response to this situation, I proactively contacted XXXX XXXX XXXX and provided evidence of my financial hardship, including documentation of reduced income and increased medical expenses incurred during the pandemic. Recognizing the exceptional circumstances, XXXX XXXX XXXX granted me a temporary payment arrangement, allowing me to catch up on my missed payments gradually. Regrettably, these accurate and agreed-upon details have not been properly reflected on my credit report maintained by TransUnion. TransUnion is also reporting my XXXX XXXX account as open with a balance this is incorrect. My XXXX XXXX account has been PAID, CLOSED with a {$0.00} balence. Please view attachment below.

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 2022-06-16
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
CONTINUATION OF COMPLAINT ID # XXXX. THE RESULTS ARE NOT SATIFIED. THEY LIED TO YOU AND LIED TO ME. THE GAVE ME A CALL ON XXXX XXXX,2022. THAT DAY A FEMALE REPRESENTATIVE SAID TO GIVE THEM 2 WEEKS TO APROXIMATELY THE WEEK OF THE XXXX. NO PHONE CALL AS OF YET BECAUSE YOU CFPB CLOSED THE COMPLAINT. UHMM. PLEASE DO NOT DO IT. THIS IS VERY SERIOUS, DO YOU UNDERSTAND?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: SUN LOAN COMPANY INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Sent company Sun Loan XXXX XXXX in XXXX XXXX tx XXXX certified mail to cease all communication and harassment with me, family, friends and place of work on XX/XX/XXXX. ( have proof if needed ). Also talked to some one from company on XX/XX/XXXX after they called my work place to talk to my supervisor they were again told by me to stop calling my place of work and stop harassing me and that I knew they received by certified mail cause tracking service showed they received it on XX/XX/XXXX. They still continue to call my place of work as well as others listed ( also have proof if needed ) or will upload if needed.

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 2023-10-05
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-27
Company: Experian Information Solutions Inc.
State: PA
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:
Fraud Accounts and Inquiries on all three credit reports.

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 2022-01-04
Company: U.S. BANCORP
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:
This is XXXX XXXX who is submitting this CFPB complaint myself. ELAN CACS CC account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. Please investigate and remove it from my personal credit file. Thank you. 

( ELAN CACS CC 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 2019-07-20
Company: Conn's, Inc.
State: WY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wyoming XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX. I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27
Company: Receivables Performance Management, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Account Name RECEIVABLES PERFORMANC,XXXX Original Creditor XXXX Open Date XX/XX/2017 Balance {$380.00} Debt {$380.00} Contact Information XXXX XXXX XXXX XXXX, XXXX, WA XXXX , ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was notified my credit report had negative activity. Upon looking at the XXXX report I saw a debt listed from Enhanced Recovery which was originally an XXXX XXXX XXXX account. I do not have any business with XXXX XXXX XXXX This is the third time this has happened due to an XXXX XXXX XXXX  error.. Earlier this year it happened to be for someone with an address in a different town. I have spent entirely too many hours of my life trying to correct errors made by XXXX XXXX XXXX due to their failure to confirm identities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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:
When I reviewed my credit report, I discovered that some of the information was 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 investigate and updated for erroneous reporting in my file and 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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