vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MN

Complaint narrative:
Urgent Complaint Regarding Edfinancial 's Mishandling of Student Loan Payments I am filing a formal complaint against Edfinancial for their egregious mishandling of my student loan payments, which has put me at risk of default. The sequence of events is as follows : Initial Payment ( XX/XX/2023 ) : Made a timely payment of {$600.00} on XX/XX/2023. 
Received email confirmation but observed no activity in my bank account. 
Late Payment Notification ( XX/XX/2023 ) : Received an email notification from Edfinancial on XX/XX/2023, indicating a late payment. 
Discovered upon investigation in my payment history that the XX/XX/XXXX payment was reversed by Edfinancial without any prior notification. 
Submitted two inquiries through their contact form on the same day, seeking clarification on the payment reversal and requesting exemption from interest charges. 

No response received from Edfinancial.

Research on Edfinancial : Discovered through research that contacting customer service by calling can take at least 4-8 hours. 
Found that requesting a call back is ineffective, as the system disconnects the call immediately upon callback, rendering this avenue unhelpful. 
Numerous reports of customers facing difficulties reaching Edfinancial customer service, with issues ranging from prolonged wait times to disconnections during callback attempts. 


Second Payment ( XX/XX/2023 ) : Made a second payment of {$1000.00} on XX/XX/2023. 
Received email confirmation, but no corresponding activity in my bank account as of now. 
This situation is extremely serious as it has the potential to lead to default on my student loan. Edfinancial 's lack of communication and transparency regarding payment reversals is unacceptable, and the difficulties in reaching customer service only exacerbate the issue. 

I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter promptly to ensure fair and accurate handling of student loan payments by Edfinancial and to prevent any further harm to borrowers. 

-- Also, my name is now legally XXXX XXXX XXXX XXXX. I submitted documentation of my driver 's license and social security card as proof of this and there has been not activity to change that either or any acknowledgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: SC

Complaint narrative:
I purchased my car four years ago with American credit acceptance it was my first time financing a car and I had no idea about interest rate mine was 28 % which is now 29 %. Ive been paying on my car for four years and my principal balance is currently still the same. I could call and ask how much do I owe no one can tell me besides the fact that Im currently paying interest. When I asked when will I be done paying interest I get no answer because they tell me they dont know the interest doesnt go away. So for four years Ive been paying on a car with no real time as to when Ill be done so Im pretty much stuck in this situation with no way out. Either Ill lose my car in the money i put into it or Ill forever being paying on a auto loan because I was took advantage of by dealerships and finance companies whos agenda wasnt to help me finance cheaper and have a opportunity to get a car but to keep me stuck with my back against the wall with a auto loan Im never able to get out of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX switch to a new company to pay your balance. I had issues logging in called them and they claimed they fix it so I could pay via online. I havent received a bill but maybe once and the change happened months ago. So unable to log in I cant pay and they sent me a random text message that had me logged in but the payment was denied so I figured i would wait until next month pay that whole balance told XXXX that during a chat online. The new bank called Comenity Bank has been calling nonstop at least 5 times a day for XXXX dollars they will get next month if its more XXXX pay more. Why do these companies think XXXX harassed my customers calling from different numbers is ok its not its just makes my anxiety and XXXX as a XXXX veteran so much worst

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: FL

Complaint narrative:
Dear Discover, I hope this message finds you well. My name is XXXX XXXX, and I am contacting you regarding a concerning matter regarding my credit report. 

Upon a recent review of my credit history, I discovered an entry indicating the possession of a Discover credit card in XX/XX/2016, a time when I was merely XXXX XXXX XXXX. I strongly suspect that this credit card account was established without my knowledge or authorization, presumably by my late father. 

I am writing to formally request the expeditious removal of this erroneous credit card account from my credit report. It is essential to emphasize that I was underage at the time and had no involvement whatsoever in the initiation or usage of any credit card account. 

I respectfully urge your prompt attention to this matter and kindly request your support in investigating and removing this inaccurate entry from my credit report. Your assistance in rectifying this discrepancy would be immensely appreciated. 

Should you require any additional information or documentation to facilitate this process, please do not hesitate to contact me. 

Thank you for your prompt attention and assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My account with chase was restricted due to filing claims even though the claims i have filed have all been accurate and they have actually stated that they saw i was wronged in the letters ive received they told me my account was closed and that id receive my check within 7 buisness days but I just received a letter in the mail saying they barely restricted my account and have been giving me the run around my account holds XXXX $ and I am at risk of losing my car due to their run around

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX  and distress

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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-11-21 00:00:00
Product: Credit reporting 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.
State: PA

Complaint narrative:
I XXXX XXXX Currently have some fraudulent inquiries appearing 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

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 2023-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
When I filled chapter XXXX, I was sending money to Wells Fargo and they took the money for XXXX to XXXX mths and still took my vehicles

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
A discharge of indebtedness because of a XXXX  or a defined policy of the creditor to discontinue collecti activity and cancel the debt. A creditor 's defined policy can be in writing or an established business practice of the creditor. A creditor 's established practice to stop collection activity and abandon a debt when a particular nonpayment period expires is a defined policy. E in box 6 to report this identifiable event.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Payfare International Inc.
State: AZ

Complaint narrative:
I contacted the XXXX XXXX  card customer support to file unauthorized transactions on two separate occasions now both times I will talk to very rudely and then hung up on after being told that they can't file these unauthorized transactions or anything they have no idea what they're doing and they provide no customer support whatsoever so I have a bunch of charges on my account to XXXX XXXX XXXX and to XXXX XXXX XXXX  so with XXXX XXXX XXXX  it's a online sweepstakes legal here in my state what happened is I kept getting solicited to play the sweepstakes and I did I made the purchases on there for the coins what not well last night I won over {$2000.00} and I went to cash it out and at first it looked like it was going good but then later on when I tried to login my account was terminated and I tried contacting support and they just gave me the runaround and now they will not communicate back with me so I was trying to file a dispute for these charges because I didn't receive the services actually I lost everything and this is when XXXX XXXX just absolutely hung up on me I actually filed an unauthorized charged last week for the XXXX XXXX XXXX those ones I didn't even make I have no idea who they are and immediately after I filed the dispute they came back on and told me that I was not going to receive any money back and again just hung up on me when I said no you guys under regulation e you have to at least attempt to investigate this they are the most unprofessional rude people I've ever met and I can not I will never do business with them again there's about {$400.00} worth of charges on my account from the XXXX XXXX XXXX and another {$75.00} from the XXXX XXXX XXXX I need all of that money returned I did not receive anything for it if anything I lost several thousand dollars to these to this sweepstakes paper needs to make this right and

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I strongly request a swift update to my account since I've consistently paid on time. The present issue is causing me significant stress and concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
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.
State: TN

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
-Contacted XXXX XXXX about an order on XX/XX/2023 that was delivered by XXXX  but was sent a picture of it delivered to another doorstep clearly not my address. Order was for {$190.00} XXXXUpon contacting XXXX XXXX, they reccomended I contact American Express to dispute it so that I can get my money back -Provided Amex all documentation, but they keep telling me that it was delivered and they can't use the picture that it was delivered to some random doorstep as proof (??? ). 

Amex account # / Reference # : Account Ending In XXXX Reference Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX Account Number XXXX has violated my rights. 
Credit Limit : {$7100.00} Date Opened : XX/XX/2022 XXXX XXXX  Account Number XXXX has violated my rights. 
LOAN AMOUNT {$49000.00} Date Opened : XX/XX/2022 15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting 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.
State: PA

Complaint narrative:
I am writing to dispute the presence of some hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. 

Inquiry Details : -- -- -TransUnion 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
Consumer complaint received 2023-11-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
Remove the repossession on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I was making payments to Affirm and they wanted verification. The email came in my wifes name and so we sent in the information for her. The company cancelled the use of credit on the account, then two weeks later they stopped access to us being able to pay the loans. One loan in particular is not even showing up on the phone pay system. Trying to work with them to verify me or at least give me access to pay the loan has been taken away. 30 days ago they said someone would call me to resolve the issue, and now we are at 30 days I have an email saying I need to pay now and when I talked to XXXX the supervisor he told me they will contact me in 30 days on case numberXXXX. They state they can not give me personal information, but they refuse to verify me as well as they refuse to take my money, as they. Say they can not verify me, even though he seemed to understand that the merchant shipped the merchandise to someone with the same exact name to my address. I just want to pay off the loan but they are not willing to work with me so I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: IL

Complaint narrative:
I made a very large payment against this student loan. It has been 90 days and they ( Mohela ) has not reported it to the credit report agencies. I did disputes with the 3 major credit report agencies and provided documentation from the Mohela website which clearly shows a very large payment against my balance, but Mohela will not confirm and the 3 major credit reports close out the dispute without any changes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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.

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.

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