davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (MA)

On Friday, XXXX XXXX, I called my servicer, EdFinancial and requested a refund for payments made since XX/XX/2020 ( during the COVID-19 pandemic pause ) as Federal Student Aid resources including EdFinancials site said I was entitled to since I paid during the pandemic. The refund was in the amount of {$4000.00} ( which would bring my loan balance back up to $ XXXX. ) XXXX this refund request process has been an option for years, I was told that the refund, however, would take more than 6 months to be sent to me. After hearing that other XXXX borrowers called but found out the requests werent filed properly, I tried contacting them by phone and email the following Wednesday and have not heard back and had issues getting through on the phone lines. When I tweeted them, the reps on XXXX claimed they had no details on the loan discharge program which wasnt what I was asking about and clearly a scripted answer. When looking at tweets from them and information on their sites/public information, there isnt a clear explanation of why theyre taking so long to deliver back my money when other servicers are easily doing it for other federal borrowers in a matter of months. 

When I look at my account and in my email inbox, theres zero record of the request or confirmation of it and my balance is still showing what it was before I called to ask for the refund. However, Ive heard many others with XXXX who were also told the payment would take 6+ months have started to see the refunded balance on their accounts and gotten proof of refund processing. I have also heard that servicers are processing these in a much shorter time, so XXXX handling of this and refusal to add this transparent information/confirmations to my account and the accounts of other borrowers is very suspicious, even during the high service volume times.
Consumer complaint received 2024-10-20
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. (MD)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2022-12-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

We moved out of our apartment ( XXXXXXXX XXXX XXXXXXXX ) XX/XX/XXXX. In XX/XX/XXXX, my wife contacted them to get an apartment verification for a home loan and was told that we had a {$3000.00} balance for failure to vacate the property without notice. She told XXXX XXXX property manager ), we did give proper notice and even showed him the email that was sent to the previous property management, he said that it was not valid. She then contacted the previous property management company, who confirmed we gave proper notice AND that information was emailed to her. I personally went to the office and gave XXXX the copy along with a copy of the picture of the walk thru we did with his former employee and he said he would send it to corporate for approval and get back to us within a week. Two weeks later, we heard nothing. I went back to the property again and was told by XXXX that corporate denied the approval and we still had the {$3000.00} balance and now he was saying that included damages. My wife contacted corporate several times in XX/XX/XXXX and finally received a response in XX/XX/XXXX from XXXX XXXX. She was told the charges would be corrected and would only be charged for damages, which she estimated around {$900.00} or less. Again we never heard anything until in XXXX my wife received notice that they sent us to collections. She contacted corporate again and several times since then and til this day we have not had a reply from them. XXXX, the property manager, did reply and said he left my wife a voicemail and since we didn't pay, he sent it to collections. She asked when he left her the voicemail because she never received a call from him, he said he didn't know. Furthermore, if our balance for damages was around {$900.00}, I'm sure they didn't take into account that we gave a {$1200.00} deposit and therefore don't owe them anything, they would owe us money. Also, he could have contacted me as well, he had my phone number and email address that I left him when I dropped off the paperwork. And in the paperwork, also included my forwarding address, I never received a notice by mail either.
Consumer complaint received 2022-07-20
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. (ND)

in accordance with the Fair Credit Reporting Act XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2023-12-03
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: EQUIFAX, INC. (NC)

I was trying to buy a home and i realized i had damages on my credit report and according to the according to the 15 U.S.C 1681 law there should not be any damages on my credit report its a defamation of character.
Consumer complaint received 2023-06-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-08-24
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. (LA)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account NATIONAL CREDIT SYST XXXX Opened XXXX. XXXX, 2017 with a Balance of {$3700.00} incurred due to fraudulent charges, which according to XXXX XXXX Zero Liability policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This account is trying to collect debt, which wad also listed on my credit report. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ], they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements.
Consumer complaint received 2024-11-13
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. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-08-19
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. (MS)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have incorrect hard pull on my credit report from XXXX. 


XXXX XXXX pulled on XX/XX/XXXX XXXX XXXX  pulled on XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  on all 3 of my credit bureau, that needs to be removed. I have called for help and have not received the help that I need for this to be remove from my credit with all false information. this account Is not mines and need to be remove from XXXX, XXXX, equifax .how can a close account report negative information. 

I hep moving these incorrectly information from my credit.
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (TX)

I applied for an Amazon Visa card and was approved on XX/XX/XXXX. I applied for the card specifically for use on Amazon XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. The application was approved by Chase, the card issuer. There was an offer for 0 % interest for 18 months which I was eligible for. I was going to use the card to purchase a couple of XXXX devices which are currently on sale. When I went to check out on Amazon, the card was showing as a payment option, but I kept getting an error message when trying to complete my purchase. I called Amazon who told me that Chase would be able to provide me with the full card number, however they were not able to. While I understand that this is due to security reasons, I wouldnt have applied for the card if I had known that I wouldnt be able to use it to make purchases during this 2 day sale. Because it was showing up as a payment method on my Amazon account and wasnt requiring the full number, I though that I would be able to use it. As Im not able to use it, I do feel that theres been a level of bait and switch here, both by Chase and Amazon. Im losing out on nearly {$170.00} on savings during the XXXX XXXX Sale. I applied for this card in good faith and with the understanding that I could use it immediately. As this is not the case, Im wondering what my options are as I would not have applied for the card had I realized that I wouldnt be able to use it. Im also concerned about the impact of this on my credit report. I finally just finished up over an hour and a half on the phone with Chase and theyre expediting the card, but I dont think itll get here in time for me to take advantage of the sale on Amazon. Additionally, Chase is saying that this is an issue on Amazons side, but given that Chase is the card issuer, it seems like theyre trying to pass the buck.
Consumer complaint received 2023-02-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DC)

I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by, The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentially Under 15 USC 1681. I have asked you to remove all of my old address off my credit report and phone numbers which of as XX/XX/2022 you stated that you did an re-investigation and that each collection verified my accounts and pay history, I have contacted the local police department here in Washington, Dc they stated never received any investigation or my friends or family, some address that are listed on my report, I never lived there so how could have you done investigation within ( 15 ) days. 
Under 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 an account without my written instructions.

15 USC 1692. ( C ) ( A ). Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. The affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation.
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (DE)

i filed a claim that was rejected by Synchrony Bank XXXX card had {$2200.00} owed on it that i didn't authorize another has {$1600.00} Another has {$1100.00} another has {$1100.00} none of these i authorized which i tried to tell them that and they still reject my claim
Consumer complaint received 2022-07-12
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-04-04
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. (NY)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX & XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

On XX/XX/XXXX, I purchased an XXXX online from a social media marketplace. XXXX, XXXX, and XXXX denied the payment due to high level security protocol. The scammer, XXXX XXXX, knew that XXXX through other banks ( not XXXX ) did not have any safeguards and therefore, steered me toward using XXXX. The transaction went through and the scammer gave me a fake tracking number. I have reported to XXXX and XXXX both of which found the transaction to be authorized. The transaction amount was {$450.00} and I received no product in return. After the transaction I communicated my apprehensions to XXXX XXXX and he replied that the phone has already been mailed. He then blocked my ability to communicate with him,
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (CA)

We purchased XXXX Amex Gift cards directly from Amex on XX/XX/XXXX order number XXXX. We lost 3 of the cards. One card with a balance of {$2800.00} card number ending in XXXX, the 2nd card lost had a balance {$500.00} card number ending in XXXX and a third card with a balance of {$390.00} card number ending in XXXX. We have called the card company 2-3 times a month ( average an hour on the phone each call ) since XX/XX/XXXX and still have not received replacement cards. On XX/XX/XXXX I sent them copies of my drivers license, utility bills and proof of purchase and I was told many times that the replacement cards were being sent to me and none have ever showed up. I also called AMEX direct and they supposedly escalated with the gift card company they use named XXXX but still haven't heard back.
Consumer complaint received 2024-09-21
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. (FL)

Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.