BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
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/2022 I called my student loan service provider, Edfinancial Services, to initiate a student loan refund for the amount of {$15000.00}. The amount requested was the amount I have paid since the beginning of the Student Loan Forgiveness timeframe. I requested a refund and a reinstatement of {$15000.00} to my loan balance. They initiated the refund request and said it would take 4-6 weeks for the loan balance to be reinstated and the refund request to go through. They informed me that the refund would be processed and returned through my checking account since that was the payment method used to pay off the loans. 

On XX/XX/2022, I called my student loan service provider to ensure that a refund request was initiated. They informed me that it would take another 6-8 weeks for the refund request to be processed and the loan balance to be reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Consumer Adjustment Company Incorporated
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received numerous amount of letters started XX/XX/2021 about a medical bill saying that Ive visited their department or a 3rd party department owing ( {$2100.00} ) which is incorrect, I havent been to a hospital in over 10 years I have my once a year check up with my doctor which is covered by my 15 years of medical health insurance. I contacted the collectors asking if they could validate the information because I dont have any idea how this could have happened. I have also asked the collector to show me documents of the initial visit or whatever information they having claiming was me, I sent a few letters to the collector throughout the months as well as one to the credit bureaus, As results was not received in a timely manner i received a notification about 50 days later from the credit bureaus that my file had been update only to find out it stated all information was correct, That is definitely false information because it was not me, I received not one letter in the mail about an investigation or about information being validated, I dont know who they think they are but I would know if Ive ran up a bill Im a responsible adult not a child I always pay my bills, I received no letter or response back from them personal showing me that I initiated the response. Its been months since I last reached out to them, I had a lawyer advised me to file a complaint with you guys to get to the bottom of this.. Thank you for taking the time to read this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: RAYMOND JAMES BANK
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was contacted by my financial advisor at Raymond James, XXXX XXXX, about a new ESP ( savings account ) and wired XXXX to Raymond James and it was a scam. The wires left from XXXX to Raymond James. Two wires- one dated XXXX for XXXX and one dated XXXX for XXXX. The hackers were reading my emails and then sent from an almost identical email address ( I did not look at the " 1 '' number added before XXXX and they replied on XXXX behalf and on his assistant and fellow CFP- XXXX XXXX who is also with XXXX XXXX at Raymond James in XXXX XXXX . I actually went to XXXX and sat down with my banker ( who knows me ) and wired both wires to the wiring address and the XXXX banker did not confirm via a phone call - I had no idea that voice recognition is what most banks do but neither Raymond James or XXXX did either. I now have a detective in XXXX XXXX researching this and hoping to hear from the FBI but neither bank is willing to do anything and unless you have wiring fraud insurance there is no way to get my money back. I have a police report which is 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 2019-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 
As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: NY
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 XXXXXXXX, XXXX, Oregon XXXX has reported a hard inquiry on my credit report. I do not know this company and have not applied for or have never done business with this company. This company does not have an application with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance : {$20000.00} XXXX XXXX  XXXX Balance : {$21000.00}

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 2023-08-08
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2022, I sent a letter to TransUnion Credit Bureau asking them to correct errors that I discovered in my credit file. Month after month, I noticed that these items were still reporting. The credit bureau is allotted 30 days to review my request and make the necessary corrections, but they have more than exceeded that 30 days from the time of my first letter. I have sent several follow-up letters to them, however, they were not removing the errors, nor were they providing me with documented proof that they reviewed and properly investigated my requests. If items in my credit file are not factual and can not be verified, they must be removed. However, TransUnion is not following through and doing its part in maintaining correct and complete credit file information.

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 2021-12-14
Company: Experian Information Solutions Inc.
State: CA
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:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

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 2019-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
During this day a Transunion representative told me that they directly contacted the federal court to corroborate two accounts that appear in my credit report XXXX and XXXX Once again Transunion committed a Fair Credit Reporting Act violation. I included a copy of a letter directly from the US Bankruptcy court where the attorney advisor to the clerk of court Mr. XXXX inform and I quote The fair credit reporting act is inapplicable to the Court because the court is not a consumer reporting agency. The court does not verify any information held by credit bureaus In addition, according to the Transunion web page they indicate that the public bankruptcy information they collected on or before XX/XX/2018 was through XXXX. I have a letter from XXXX XXXX that case XXXX and XXXX are no longer listed. I need all bankruptcy information currently showing under my social security number to be permanently deleted from my credit report immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$7800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$68.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXXXX/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 2022-10-18
Company: MOHELA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I can not contact a live human. I am trying to end the forbearance of my loans but I can not contact a live person to do that. I spent 30 minutes this morning contacting the number under Public Service Loan Forgiveness - https : //www.mohela.com/DL/common/contactUs.aspx - only to learn once I contact someone that I had called the DoE. Nothing on the website informs you that you are contacting an outside agency. I was not able to contact a human using main number listed - XXXX - despite 5 attempts. I kept getting disconnected. I am unable to address my issue, this will be very costly for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: BARCLAYS BANK DELAWARE
State: LA
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:
On XX/XX/XXXX I Spoke With XXXX Different " Relationship '' Agents, Along With A Manager For " Barclay '' To Get An Explanation As To WHY Are My " Purchases '' INFLATED AND CHARGED INTEREST On Page Five Of The Last Two Billing Statements.

1. Page One Lists XXXX For Purchases, And XXXX For Cash Advances : CORRECT. 
While Page Five Has A CALCULATION Of XXXX??? For The Purchases. The Actual Amount Though Is XXXX!!!! 
( Please See Attachments Dated XX/XX/XXXX - XX/XX/XXXX ). 
Second Agent Stated That The Additional Amount Is " From XXXX. '' RETRO BILLING. REALLY??? 
First Agent Just Ended The Call, And So Did A Manager. ( SUM " RELATIONS '' ). 
2. For The Billing Period XX/XX/XXXX - XX/XX/XXXX, Page One Gives XXXX For Purchases, And Cash Advances Of XXXX : CORRECT. 
BUT, Page Five Lists A CALCULATION Of XXXX For Purchases When The Actual Amount Is XXXX. 
WOW! 
I'VE BEEN CHARGED INTEREST FOR INFLATED PURCHASE AMOUNTS. 
ON AT LEAST TWO BILLING STATEMENTS ( POSSIBLY MORE ). 
MY PAYMENTS ALWAYS EXCEED THE MINIMUM DUE BY HUNDREDS YET MY PAYMENTS NEVER SEEM TO BE REFLECTED IN MY BALANCE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: VA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
My name is XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-25
Company: Experian Information Solutions Inc.
State: FL
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 have recently pulled my credit report and saw that there are items being reported that I am not aware of, below are the items appearing ; XXXX XXXX XXXX XXXX XXXX USDOEXXXX XXXX XXXX As per 15 US Code 1666B this is clearly a billing error and needs to be updated on my report.

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 2019-12-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I went to XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, NY,XXXX. I purchased a Microwave Cabinet and it was delivered to my home. Upon arrival we noticed it was too large and did not fit in my home, the merchandise was taken back in exchange for a smaller one. That said I never received a smaller Microwave Cabinet and my bank ( chase ) continues to send me statements given I paid for this with my credit card. I have been going back in forth with Chase and XXXX XXXX  XXXX XXXX store for months and have been getting the run around. After filing a dispute with Chase XXXX XXXX XXXX XXXX stated that a smaller Cabinet was sent to my home but this is 100 % FALSE. I never received the smaller cabinet and am still paying my monthly credit card statements for a product I don't have, in order to sustain my credit score. 


Attached is the resolution they sent Chase, indicating that a smaller cabinet was delivered which did not happen. They also state that I will only be charged the cancellation fees which total {$230.00}, but the total balance they intend to charge is still {$430.00} broken down by {$340.00} for the cabinet and an additional {$90.00} for the smaller cabinet. I think its injustice to charge me this amount given I did not receive any goods in exchange. I am XXXX years old and have very limited social security income, I can not afford to spend {$340.00} on something I did not receive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-21
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL
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 no record of this company. I have reported them to XXXX. Now there on my XXXX report. It is negatively impacting my credibility with a place for my family after be impacted with two hurricanes. I called the 1800 number theres a automated system try to sell healthcare products

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT XXXX and I included it again. Kindly correct 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

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