davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (OH)

I am currently trying to get a refund on two payments that I made towards my subsidized loan from Ed Financial. I paid off the loan in full with two payments, one being {$100.00} and the other {$9500.00}. I requested the refund request through a text chat on XX/XX/22. I also followed up on XX/XX/22 to make sure the refund was in the system. 

I'm just make a complaint as they won't give me any estimate or timeline as to when the refund could be refunded. According to what I've seen online and also with friends who have previously gotten refunds, Ed Financial has told them anywhere between a few months to a year. This seems extremely long as it seems other loan providers are able to provide refunds within a few weeks to a few months. I'm just very worried that I will not be able to partake in the loan forgiveness program.

I was also told that it wasn't confirmed whether loans refunded will be eligible in the loan forgiveness program. Additionally, I would told that the Department of Education has not confirmed how refunds will be sent, making it seem Ed Financial has not/will not be issuing refunds yet, which I know isn't the case. I wanted more clarification on this as there seems to be a lot of conflicting information going around.

I wanted to get a timeline on my refund request and get my loan refunded as quick as possible. I know there is a large influx of refund requests but it doesn't seem too much to ask for a possible timeline.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Many hard inquiries have recently been reported on my newly established credit without my knowledge or consent. It is really impeding my ability to obtain financing, or even get small approvals. I have attempted to contact these companies via phone and email and no proof has been shown that I, myself, was the one who opened the accounts. Please remove them immediately after investigating. 

XX/XX/XXXX, XXXX Capital One XX/XX/XXXX & XX/XX/XXXX - XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX These are all companies that should not be on my hard inquiry XXXX account because I did not consent.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

On XXXX of 2023 I have received a late payment with XXXX XXXX which I believe their system faulted. I believe this to be a billing error on XXXX XXXX as their system has been glitchy when connecting to external banks to pull funds for Credit Card payments. As you can see I have always been in good standing with them, and due to this glitch and them closing out the card and marking this as a late payment, it has severely effected my credit.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : XXXX
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

My name 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.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I have updated information : In accordance with the Fair Credit Reporting Act XXXX Account Experian, has violated my rights. 15 usc 1681 section 602 states I have a right to privacy. 15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions. 15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.The account in question is the XXXX XXXX account has a late payment my profile and Experian reported that without my consent.
Consumer complaint received 2021-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (NV)

Allied Collection Services is attempting to collect on a debt that was never ours. The debt is/was with XXXX XXXX XXXX. The vehicle in question was sold to my brother prior to the the vehicle being towed/impounded. He hadn't registered the vehicle in his name prior to illegally parking the vehicle, resulting in the tow. This debt was never ours since the vehicle was no longer my asset. I have attached the bill of sale showing the vehicle was sold prior to the tow date, as well as a copy of the trade-line from my credit report.
Consumer complaint received 2021-06-14
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC (MI)

On XX/XX/2021 My mother received a voicemail concerning a debt held in the amount of XXXX dollars in my name. The autodailer left a voicemail discussing the details of my debt. I was instructed to call XXXX to resolve this debt or go online to https : //www.directrecoveryservices.com/ to arrange payments. This is all recorded with the exception of the dollar amount. I called there XXXX number and told them what they just did and how it violated the Fair Credit Reporting Act, the person hung up immediately. Very unprofessional. Now my mother is concerned, I am embarrassed, and these people have made no effort to even apologize. I have a copy of that voicemail, this company should be ashamed.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Dear sir/mam My information was sold and bought illegally because I was a victim of the Equifax Breach . I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. Follow all verification reinvestigation proceders and guidlines through FCRA rules. 
XXXX Open XX/XX/XXXX # XXXX XXXX XXXX Open XX/XX/XXXX # XXXX XXXX XXXX Open XX/XX/XXXX XXXX XXXX XXXX Open XX/XX/XXXX # XXXX XXXX XXXX Open XX/XX/XXXX XXXX XXXX Open XX/XX/XXXX
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Don't recognize the inquiries bellow they are fraud and they did not have my permission or approval. I contacted each individual company they have no record or a file from me. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

These accounts are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 45 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report. It has been 45 days, so they should be erased immediately.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I asked the credit bureaus to do a verification on my credit report, and they did. But did my own research and found improper actions on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Consumer complaint received 2022-10-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Creditor : XXXX XXXX XXXX XXXX, Account : XXXX Reason : Please verify this account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Please verify this account Creditor : XXXX XXXX, Account : XXXX Reason : Please verify this account Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Please verify this account Creditor : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX IN CO ), Account : XXXX Reason : Please verify this account Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Please verify this account
Consumer complaint received 2021-06-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Brightfunders, LLC (VA)

Started the process to refinance my mortgage in XXXX with XXXX. I was working with XXXX XXXX, loan advisor, to set up an appraisal. Appraisal was completed on XX/XX/XXXX and sent to a processor. We were notified on XX/XX/XXXX that the processor completed the review and we were now able to lock rates, that were now higher due to the time it took the processor to complete their tasks. On XX/XX/XXXX our file went to underwriting and were told that they had everything they needed. Throughout XXXX and XXXX I would ask for a status and was told they were almost done multiple times. I received a credit score information disclosure letter that another credit score was created on XXXX at XXXX XXXX from XXXX XXXX XXXX XXXX. XXXX also pulled my credit report at the time we submitted the application. I was never informed that my credit would be pulled again and now my score is being impacted because of " too many inquiries last 12 months ''. I have asked multiple times why my score was pulled again with no answer. We started the refinance process in XXXX and are still waiting for it to be completed 6 months later.
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX XXXX Consumer/living soul XXXX XXXX XXXX XXXX GA XXXX XXXX Office of the comptroller of the currency XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Dear XXXX XXXX XXXX I am writing this communication to inform you about capital one bad and deceptive business practices. Capital, one has decided to take on adverse action/discriminate against me Capital, one has violated my consumer rights over on alleged debt I have sent cease & desist, validation of debt, condition of acceptance, and a billing error. capital one has not comply with any of my letter capital one has not replied to any of my communications. instead, capital one has decided to ruin my life by furnishing negative items on my consumer report. 
Pursuant to 15 usc 1681a2a ( i ) report containing information solely as to transaction or experience between the consumer and the person making the report ( ii ) communication of that information among person related by common ownership or affiliated ( iii ) communication of other information among person related By common ownership or affiliated by corporate control, if its clear and conspicuously disclose to the consumer that the information may be communicated among such person and the consumer is given the opportunity before the time that the information is initially communication to direct that such information not be communicated among such person.

Pursuant to 15 usc 1666d treatment of credit balances Pursuant to 15 usc 1666h offset of cardholders indebtedness by issuer of credit with funds deposited with issuer by cardholder ; remedies of creditor under state law not affected Pursuant to 15 usc 1666i-1limits on interstate, fee, and finance charge increases applicable to outstanding balances Pursuant to 15 usc 1601 Informed use of credit These are all violation of my consumer rights and federal laws Am seeking remedy in zero the balance out, an open-end credit line, every month its zeroed out and reup, stop reporting to all reporting agencies cease all collection activities remove all negative furnishing from all reporting agencies and refund of all payment made to the account yours truly
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be deleted ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have unauthorized inquiry On my report And would like to remove If you can not provide such as Signature in Writing from stating that i Authorize these account And inquiry. According to the FCRA any inaccurate item On my credit report that is not XXXX percent verifiable Or accurate must be removed Immediately It is not metro 2 complain Or meet E Oscar Requirement please remove immediately
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

In accordance with the fair credit Reporting Capital One account ending in XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an 766 open end consumer credit plan as late for purpose.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have updated information : In accordance with the Fair Credit Reporting Act XXXX  Account Transunion, has violated my rights. 15 usc 1681 section 602 states I have a right to privacy. 15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions. 15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.The account in question is the XXXX XXXX account has a late payment my profile and Transunion reported that without my consent.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

There are 147 soft inquires showing on my credit report that are not permissible and where not authorized, experian is constantly changing the information on my credit report such as name, address, credit accounts not reflecting all 48 accounts including refinanced accounts they are just reporting them closed and they are not close, accounts reporting with two statuses to confuse the scoring system as it only scores from any account that has only one status.

Letter of intent mailed XXXX  if report is not corrected complaint will be filed under section 609
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

To whom it may Concern I want to file an executive complaint against all three credit bureaus I have reached out to the Three Credit Bureaus To have these fraudulent negative items deleted that is negatively impacting my score Ive asked them to remove the negative items from my credit report numerous times after so many failed attempts to have the derogatory items and remarks removed from my credit report that was made fraudulent due to identity theft that Caused these negative items on my credit report they failed to send me proof of the reasonable verification process of proof how these accounts were validated or verified I have all my proof and documents to provide
Consumer complaint received 2021-03-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PDQ Services, Inc. (GA)

I have sent certified letters to this company and A level 3 HIPPA violation was committed. A level 3 violation is '' an offense committed with the intent to sell, transfer, or use individual identifiable health information for commercial advantage, gain or maliciaous harm. Violation of Subtitle D of XXXX Sec XXXX ( Application of Security provisions and Penalties to Business Associated of Covered Entities ) Violation of Subtitle D of ARRA Sec 13407 ( 1 ) Breach of Security ) Liable for penalties under the HITECH ACT PQD SERVICE INC is in clear violation of HIPPA ( ... no permissible business purpose in divulging protected health info to anyone on an account ) should you ever inquire, report, update or verify anything on the credit report. I am asking you to have PDQ SERVICES INC located at XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX delete all information they have furnished to any and all credit bureaus and destroy any information about any alleged account you claim to have with me and should you sell, assign, transfer or trade the alleged account to some other entity to attempt collection. I will file a formal complaint to the XXXX XXXX  and the XXXX XXXX against your company
Consumer complaint received 2020-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX  XXXX - XX/XX/2019, appears to be late on report. This account was never late. Please correct and update. 
XXXX XXXX  - I am unaware of this account. I never authorized this account. Please investigate and delete. 
XXXX XXXX XXXX - I did not authorize this company to inquire on XX/XX/2019 about my report. I did not authorize this inquiry. Please remove.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX  is mistakenly reporting me late as of XX/XX/2022. This is a complete error and needs to be rectified immediately. Please see the attached paperwork. This account was paid off on XX/XX/2022 so the late on XX/XX/2022 is an error. There was a payment of {$2000.00} the month prior too ( XX/XX/2022 ). Please remove the late asap please.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX Bank is mistakenly reporting me late as of XX/XX/2022. This is a complete error and needs to be rectified immediately. Please see the attached paperwork. This account was paid off on XX/XX/2022 so the late on XX/XX/2022 is an error. There was a payment of {$2000.00} the month prior too ( XX/XX/2022 ). Please remove the late asap please.