BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-03
Company: EdFinancial Services
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On Thursday XX/XX/XXXX, I contacted Ed Financial immediately after receiving the news of Biden 's loan forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made after XX/XX/XXXX. I requested a refund of payments that I made from XX/XX/XXXX, to XX/XX/XXXX, totaling to {$20000.00}. I was taken back when they notified me that the processing times would be a minimum of 150 days. I was a Pell Grant recipient. and am therefore eligible for {$20000.00} in forgiveness once the student loan application becomes live. I paid over {$25000.00} during the COVID-19 Pandemic. It seems as through Ed Financial is the only student loan provider who is quoting these ridiculous lead times for refunds. XXXX, XXXX XXXX, XXXX are only quoting 3-8 weeks lead time for refunding their loan members. Also, the loan providers are already reporting their loans reflected on loan member accounts. Whats troubling is the application for forgiveness starts in XXXX and Ed Financial will not be processing any of these in time for us to receive forgiveness. Ed Financial stated my loan balance will not be reinstated for 150 business days at the time I requested the refund, but the interest rates and payments will resume on XX/XX/XXXX. Furthermore, Ed Financial told me over the phone they can not send out confirmation emails to confirm with me they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while, but it is very concerning to me that Ed Financial is stating the lead time will take up to half a calendar year when most student loan service companies are having faster lead times. despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. For me, I am a first-generation high school and college graduate in my immediate family. I made the necessary sacrifices to ensure that I never live a life like so many others with student loan debt. Seeing other loan members with other loan services reinstated their balance after requesting it just 36-72 hours later makes me very concerned and discouraged that I will ever see this money returned to me, due to the long lead time and no confirmation that a refund was every processed. I am concerned that this company does not have the best interests at heart.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
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: Account status incorrect

Complaint:
Trans union removed  7  inquiries off of my credit report and added them back without sending a written notification of them being placed back 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 2022-09-03
Company: Experian Information Solutions Inc.
State: TX
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 submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inaccurate information and unauthorized inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov 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 are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( 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 2017-09-08
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was part of the Equifax leak of sensitive, personal financial information. 

Confirmed by using https : //www.equifaxsecurity2017.comXXXX on X/X/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Been trying to get XXXX negative child support cases from reflecting from my credit report for years according to the new credit law establishedXX/XX/XXXX beginning XX/XX/XXXX child support is not a contractual debt, there were no good/services rendered ; also refer to Public Law 805-C3 of the Fair Debt Collection Practices Act ( FDCPA ) I hereby demand that you remove the reporting of child support form my credit report. Child Support as you know arose out of an administrative support order and is NOT a debt within the scope of FDCPA ( 15 USC 1692 et sep. ). Child support payments, which obligation arose out of administrative support order issues by state department of social services, are not debts encompassed within the scope of Fair Debt Collection Practices Act ( 15 USCS 1692 et seq. ). more supporting laws regarding child support being reported to credit bureau agencies.Child support obligor failed to state claim against defendants, custodial parent and state agencies and employees, under Fair Debt Collection Practices Act because no defendant was : debt Collector with meaning of 15 USCS 1692a ( 6 ) with regard to child support payments, state employees were excluded from definition of debt collector under 1692a ( 6 ) ( C ) ; further, child support obligations were not debt under 1692a ( 5 )

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 2017-08-25
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Been trying to get XXXX negative child support cases from reflecting from my credit report for years according to the new credit law established XX/XX/XXXX beginning XX/XX/XXXX child support is not a contractual debt, there were no good/services rendered ; also refer to Public Law 805-C3 of the Fair Debt Collection Practices Act ( FDCPA ) I hereby demand that you remove the reporting of child support form my credit report. Child Support as you know arose out of an administrative support order and is NOT a debt within the scope of FDCPA ( 15 USC 1692 et sep. ). Child support payments, which obligation arose out of administrative support order issues by state department of social services, are not debts encompassed within the scope of Fair Debt Collection Practices Act ( 15 USCS 1692 et seq. ). more supporting laws regarding child support being reported to credit bureau agencies.Child support obligor failed to state claim against defendants, custodial parent and state agencies and employees, under Fair Debt Collection Practices Act because no defendant was : debt Collector with meaning of 15 USCS 1692a ( 6 ) with regard to child support payments, state employees were excluded from definition of debt collector under 1692a ( 6 ) ( C ) ; further, child support obligations were not debt under 1692a ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX, TransUnion, and XXXX are governed by 15 USC 1681. And they violated my rights numerous of times. 

I demand the accounts listed below be removed because they are fraudulent and open without my knowledge or consent. 

XXXX  XXXX XX/XX/2019 XXXX XXXX XX/XX/2019

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 2022-09-03
Company: EQUIFAX, 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'm 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 : //www.ftc.gov 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 are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-08-25
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged an annual fee of {$49.00} to my credit card account ending in XXXX on XXXX. 
I called US Bank on XXXX and the representative offered to waive the annual fee, and I accepted this offer. 
As of XXXX the fee was still posted to my account, so I again called US Bank. The representative told me they were unable to waive annual fees. This directly contradicts the conversation and the offer I was given on my previous call.

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 monetary relief
Consumer complaint received 2017-03-23
Company: Patrick K Willis Company Inc
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX from XXXX has called my kids and my ex husband telling them about the auto loan they claim I owe. is n't it illegal for them to tell other people about the debt? XXXX is extremely rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03
Company: EQUIFAX, 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax, XXXX, and XXXX are governed by 15 USC 1681. And they violated my rights numerous of times. 

I demand the accounts listed below be removed because they are fraudulent and open without my knowledge or consent. 

XXXX  XXXX XX/XX/2019 XXXX XXXX XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Per my original complaint on XXXX ( XXXX ) - Nothing has changed - STILL NO COMMUNICATION ... XXXX CALL Back, NO letters, NO emails - Today is XXXX - - - On XX/XX/2022, I received a letter through CFPB portal that was dated XX/XX/2022 ( attached ),. 
TO DATE - **I HAVE YET TO EVEN RECEIVE THE PHYSICAL LETTER THAT IS ATTACHED, NEVER RECEIVED, ONLY LETTER COPY I HAVE IS THROUGH THIS PORTAL ON CFPB WEBSITE** In the letter there is ZERO mention as to release date of MY money in my account. " XXXX '' provided their contact information as " XXXX, XXXX. XXXX ''. 
** I have now left 18 voicemail messages, as of XX/XX/2022 - ZERO response! ** The letter states that " Please know, we are unable to close your accounts until each deposit that was added to the account is recalled by the sender ( s ). '' What? The last deposit came from a now closed account. They had absolutely no problem accepting the funds, so therefore the request ( demand ) is unacceptable. 

There is no mention of a " hold time '' for my funds, no release date, and absolutely NO communication as to WHY my account was restricted and locked, in the first place. If there was such a communication, then Capital One is REQUIRED to provide me with a copy. 

CFPB needs to address these " provisions, terms and policies '' as per your own website it appears Banks with such size as Capital One, is holding American 's money XXXX and hiding under false pretense. In simpler terms, get some bollocks! As for Capital One - I have also forwarded these complaints to FDIC, OCC and now the California State Attorneys office. No Communication, finally when communicated with, only a lame vague letter, telling me what I am going to do to have my account released and funds returned to me. At this time, this will be an ongoing complaint, and I will continue to submit new one 's until this issue is solved. CFPB : YOU SHOULD NOT CLOSE THESE UNTIL CONSUMER IS FULLY SATISFIED OR MADE WHOLE. - PERIOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: TMX Finance LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
I got a title loan from InstaLoan on my XXXX XXXX. With the loan we purchase insurance that if the vehicle was in a car accident and it was considered a total loss the insurance would pay for the title loan. So on XX/XX/2020 my insurance company considered it a total loss and sent this information over to instant loan and pictures of the vehicle. At that point and still alone said they sent in the claim to their office TMX. It's now been almost two weeks and I have heard nothing and regards to me getting my title back so I can buy another vehicle. And they I have to return my title so I can sign the title to my insurance company so I can get paid. I have called the manager InstaLoan here in town I have tried calling corporate I have tried calling TMX corporate I have tried calling the insurance company that they deal with and I've heard nothing from anyone other than it's being processed. I was told the process takes two days to a week it's almost been two weeks. I don't know who else to call or what else to do but I need my title back. I do XXXX  three times a week and see a doctor for my car accident three times a week and I'm having to pay someone to take me tomorrow my appointments because I'm unable to get a vehicle without this title

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
hi This is XXXX XXXX! I have several issues with XXXX  and XXXX, they have always show my negative information when I applied for any credit card and it shows that I have delinquent account, when I was applying Chase Amazon Visa Card, I got decision that I have delinquent account but XXXX  is approving cards, I have very good payment history, no unpaid credit cards, no missing payments, nothing red flags, but XXXX, XXXX, and XXXX  are discriminating my credits and providing wrong information to lenders. If lenders pull credit reports from XXXX and XXXX, it always get denied and it shows I have delinquent. Government should take stern action against these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
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:
I continuously keep on contacting Experian to fix and issue on my credit report due to identity theft and they refuse to fix the issue. I sent in the FTC report and also did a police report. 
XXXX XXXX XXXX acct # XXXX XXXX  XXXX XXXX acct # 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 2018-12-13
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:
I contacted Equifax to inform them of errors and inaccurate information on my report. The first contact was XX/XX/2018 with no resolve. The second contact was XX/XX/2018 at which time they resolved some items but not all. The following issues remain on my report still : XXXX  acct # XXXX need to be removed, not mine. XXXX/ XXXX XXXX acct # XXXX. Employer is XXXX   XXXX AND XXXX XXXX and previously XXXX XXXX. I was a victim of identity theft and I want my information reported correctly because these issues are affecting my goals in business ventures. I will pursue this issue until I receive accurate report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XX/XX/2021 after work at XXXX I went to XXXX XXXX. I seen a car I like and XXXX the salesman told me that the car is XXXX based off of the financial lady. So I said lets do it. And after running my credit I did not like the monthly payment because they did the wrong car. And the price is actually XXXX. So I said never mind. But the XXXX tried to find me a different car and I said okay. I wanted to know the monthly for each one just like how everybody looks at their estimate monthly payment online. After looking at different cars I decided I did not like any of the offers so I just went home. Later on the night I seen that my credit got pulled 25 pts from XXXX XXXX. How is that possible I have a good credit and it shouldnt take off that many points. I called them and said that they cant do anything about it so here I am asking for help. They told me that it shouldnt even affect my credit because they didnt connect me to any bank. Which they said they didnt. They have already messed up in the first place by running my credit with the wrong car. And I only permitted them to run my credit once. I hope you guys could help me out thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 already sent a request for the immediate removal of the accounts this XXXX XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4600.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$470.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}

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