davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (DC)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Edfinancial Services, a financial company that handles my student loan payments. My complaint pertains to severe payment processing issues that I have been experiencing over the past month, which have caused significant financial and emotional distress. 

Below, I have outlined the details of my grievance : On XX/XX/2023, I initiated a payment of {$3500.00} towards my student loan account with Edfinancial. 

On XX/XX/2023, I made an identical payment of {$3500.00}, believing that the first payment might not have gone through. 

On XX/XX/2023, I made a third payment of {$3900.00}, with the intention of ensuring that my payments were up to date. 

On XX/XX/2023, I attempted to make yet another payment of {$4200.00}, hoping that this would resolve the situation. 

Despite making these payments, I have received no confirmation or acknowledgment from XXXX beyond a receipt email that my payments were received and applied to my account. This lack of communication and transparency is deeply concerning. 

Moreover, when I attempted to contact Edfinancial to inquire about the status of my payments and seek a resolution, I faced extreme difficulty in reaching their customer service representatives. On the rare occasions when my calls did go through, I was met with unprofessionalism, as I was hung up on without any attempt to address my concerns. 

As a responsible borrower, I also contacted my bank to verify whether these payments were processed successfully or if they were flagged as fraudulent. My bank confirmed that none of the payments I made to Edfinancial have been processed or withdrawn from my account. This further indicates that Edfinancial has not fulfilled its obligation to process my payments appropriately. 

While Edfinancial fails to process my payments, my student loan account continues to accrue interest on the principal loan amount. This situation has placed me in a precarious financial position and is causing undue stress and anxiety. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Edfinancial Services for their failure to process my payments and provide adequate customer service. I also request that Edfinancial be held accountable for any financial losses or damages I may incur due to their actions. 

I am more than willing to provide any additional information or documentation that may be necessary for your investigation. 

I sincerely hope that the Consumer Financial Protection Bureau will address this matter promptly and ensure that Edfinancial Services adheres to the necessary standards of conduct and customer service. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

my account was closed with false information and they denied my appeal and i want them to be forthcoming on what exactly happened they also asked for bank statements and i know they cant do that cause they do not have any form of XXXX on there. I am not XXXX XXXX
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRUIST FINANCIAL CORPORATION (TX)

This account was paid and XXXX is reporting the account type as an auto loan this is factually incorrect because The account you are reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " Credit sale Agreement '' I have the right to an accurate credit file and discrepancies like this are unacceptable.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NY)

This morning ( Friday XX/XX/XXXX  ) I got an alert from the Credit Bureau Agency 's I pay to monitor my credit monthly/keep my accounts safe. 

Out of nowhere my Credit Bureau I pay EXPERIAN- lowered my Score by XXXX points lower ( From constant XXXX level to now XXXX ). 

I scrolled down my Credit Report to see if there was fraud or false charges. There were none. As far as I can tell- this near XXXX POINT drop ( and I go from EXCELLENT Credit down to VERY GOOD now )- is that living in XXXX XXXX XXXX - I do not have a recurring Auto, Home or similar payment. Nothing in this area has changed in 20 years when I last had a car payment. I worked VERY hard to bring my credit card balances to at or near XXXX - and I get punished severely for not taking out senseless, risky out of budget car or homes people in XXXX XXXX XXXXXXXX don't or can't afford in a lifetime to own. Also as I am looking to move long distance -this could make an Car Loan or Home loan higher payments, higher interest or me seen as more risky for any loans. 

This is absolutely false- and a no-warning gimmick they get to punish you with for keeping good credit, but not bringing on senseless risk. I contacted them, I have to wait 5 business days as this fake score stands as official - and I ask for intervention/correction as this has never happened before, is so severely punishing/harmful - and hurts innocent people who pay off their credit. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (FL)

I am writing to file a formal complaint against Citi, a financial institution subject to the Gramm-Leach-Bliley Act ( GLBA ), for their failure to comply with my GLBA opt-out request. 

On XXXX, I sent a written request to Citi, exercising my legal right under the GLBA to opt out of the sharing of my nonpublic personal information with credit reporting agencies. This request was submitted in accordance with the GLBA regulations and guidelines. 

Despite the clear and lawful nature of my request, I have yet to receive any acknowledgment, confirmation, or response from Citi. Their lack of communication has caused me significant frustration and concern regarding the privacy of my financial information. 

I have attached a copy of my initial opt-out request, which includes all the necessary information required by the GLBA, to this complaint for your reference.

I believe that [ Creditor Name ] 's non-compliance with the GLBA poses a serious violation of my consumer rights and privacy, and I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter. 

I request that the CFPB conducts a thorough investigation into the non-compliance of Citi with GLBA regulations and takes appropriate action to ensure that they promptly acknowledge and process my opt-out request. Furthermore, I request that Citi be held accountable for their failure to adhere to GLBA guidelines and that they are made aware of the potential legal consequences of their non-compliance. 

Please consider this complaint as a formal request for investigation. 

I appreciate your attention to this matter and your dedication to ensuring consumer protection and privacy. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue promptly and effectively. 

Thank you for your assistance in resolving this matter.
Consumer complaint received 2023-10-13
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: EQUIFAX, INC. (MA)

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE AN ACCOUNT THAT DO NOT BELONG TO ME, IT IS LISTED BELOW WITH DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX XXXX I ALSO NOTICE SEVERAL INQUIRES THAT DO NOT BELONG TO THEY ARE LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE REMOVE THEM. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX5 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 In accordance with the Fair Credit Reporting Act XXXX the accounts listed on my attachments 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 an 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.
Consumer complaint received 2023-10-13
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (ID)

We had been looking for a combine, we were checking out several auction sites and dealers online hoping to get the best combine for a good price. On XX/XX/XXXX we made contact with XXXX XXXX XXXX, from XXXX XXXX WI. about purchasing a XXXX XXXX XXXX XXXX Combine with a XXXX XXXX XXXX header with a XXXX ' length header trailer. We requested a video, at XXXX on XX/XX/XXXX. We had researched this company and were pretty confident that they were legit. We also expressed concern to our lender and they checked them out also and felt that they were reputable. By XXXX on XX/XX/XXXX we had decided to purchase the combine and started the process through email. We received the Sales Document via XXXX at XXXX and by XXXX we had received an invoice with a reference number and the Bank Wire information. We forwarded the information to our lending institution and they began the process of wiring {$22000.00} to them, which was sent on XX/XX/XXXX. we wired the down payment of {$5600.00} on the same date. On XX/XX/XXXX at XXXX we received an Email from XXXX XXXX XXXX with the shipping information and the delivery date of the combine. They were using their own trucking company. They also requested that we insure the combine which we did. The delivery date arrived, we waited to hear from the trucker. On XX/XX/XXXX we tried calling them at XXXX, XXXX, & XXXX, we finally spoke with whom we assumed was XXXX XXXX about when the combine would be delivered. He never returned our call. We called several times on XX/XX/XXXX & XX/XX/XXXX, our calls were blocked. On XX/XX/XXXX I placed a call to the Citibank Branch that their account was at. I spoke with XXXX different gentleman about my concern that my wired money was gone. Because I had the account number they were able to pull the account up and saw both of my deposit transactions and that the money was still there. He advised me to have my lending institutions immediately file a " Recall of Wire request '' Which I did. Within an hour both banks had filed it. They both also assured me that Citibank would not let me lose my money, that I was protected. That within 90 days my money would be returned. I have since tried to call them again, I can not get through to the branch. I did speak with a corporate lady she basically told me " too bad, so sad '' not their problem. She also gave me Citibank 's wire operation unit phone number, I could not reach anyone.
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

Since early XXXX, my US HSBC account and credit card account have been in review status. 
The customer service told me that 3-5 working days can solve this problem, but it has been a month now and my account is still unable to be used normally. The customer service did not tell me what caused this, but only kept me waiting, which seriously affected my capital turnover because I am a XXXX and only have this US account for investment and fund transactions.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have requested to update my personal address with copy of my drivers license. Ive requested deletion of all old addresses because i can not receive mail, i have no correspondence, nor do I have any access to these old addresses. I would like to be treated fairly and exercise my right to privacy.
Consumer complaint received 2023-10-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

Navient previously approved me for a payment plan and processed a payment for that plan. They later came back after checking my credit without authorization and stated I was no longer approved for that plan. Upon denial they then tried to raise the payment amount, without informing me in a timely manner, while also sending me conflicting statements about my account status. Upon receiving additional information about the account, I signed up for another rate reduction plan that I was approved for. Upon approval I was never notified that my credit would still be effected. A month later, my credit began to reflect XXXX LOANS reporting as 30 days late, significantly tanking my credit score. Despite writing letters and reaching out to customer service to clarify the inconsistent documentation I received, Navient still denied fault of this issue. A supervisor later finally agreed to listen to the previous recording and determined that the representative was in the wrong for the information shared on the account and stated they would submit documentation to have my credit report corrected. He stated to me directly that this would be fixed by XX/XX/10. Nonetheless, a different department later denied that request as well. Finally, after requesting the documentation and the call recordings from my conversations with Navient, the company has continually refused to provide me with those items in order to resolve this matter fairly. After months of reaching out to the companys ombudsman, I have yet to receive any kind of fair resolution or a call back. Thus, still greatly effecting my credit score.
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC (CA)

I have been receiving calls, on my mobile phone, from a XXXX XXXX at Aldous and Associates since XX/XX/year> regarding some gym membership which I do not have and never had. 

On XX/XX/year>, I had called the very gym that most likely had passed on to XXXX XXXX at Aldous and Associates my mobile phone #. I spoke to the manager at this gym, to check XXXX ) who they were calling ; and XXXX ) why they were calling. I explained to this gym manager that I was not the person they were looking for and that I had never belonged to their gym nor any gym. That the person they were looking for was NOT reachable at my mobile phone #. I even informed the gym for how long I have had my current mobile phone # and who my mobile phone carrier was so that they could verify for themselves who owns my mobile phone #. 

The gym manager said he would remove my phone # from their " overdue membership list, '' and supposedly he did this while we were on the phone. 
Again the call with this gym manager was on XX/XX/year>. 

However, XXXX XXXX from Aldous and Associates has continued to call my mobile phone #, every XXXX to XXXX days. She would call from phone # s of different area codes. While I can block each of their phone # s, they still are able to leave a voicemail on my mobile phone, which I find to be very annoying because these messages use up my mobile phone voicemail memory. 

Despite my call with the gym manager who acknowledged that they're trying to reach a person who isn't me and who told me he has removed me from their list, XXXX XXXX at Aldous and Associates continues to leave messages on my mobile phone. I have kept a record of all the calls and the phone # 's from which XXXX XXXX calls- She called and left a voicemail on XX/XX/year> ( from a XXXX number ) ; XX/XX/year> ( from a XXXX number ) ; the gym removed my name from their list but XXXX XXXX XXXX called on... 

XX/XX/year> ( from a XXXX number ) ; XX/XX/year> ( from a XXXX number ) ; XX/XX/year> ( from a XXXX number ) ; XX/XX/year> ( from XXXX number ) ; XX/XX/year> ( from a XXXX number ) ; and today XX/XX/year> ( from a XXXX number ). 

That's a total of XXXX calls in XXXX wks. 

I have even updated the greetings recording to my mobile phone to indicate whose number " XXXX XXXX '' has called, along with my name and also a message to NOT leave a message if they're not calling for me. Still XXXX XXXX at Aldous and Associates continue to call and leave a message. 

I know I don't have any debts that are overdue. I pay my bills on time. 

I would appreciate that XXXX XXXX @ Aldous and Associate stop calling my mobile phone. This is harassment. If they are serious in collecting debts, they should send a letter to the person they're trying to reach instead of leaving messages on the voicemail of the wrong person. 

Thank you.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

Ive informed credit reporting agencies that I have a new address with a copy of my drivers license. Ive demanded deletions of all old addresses because I have no correspondence nor access to theses addresses and it is unfair to me the consumer for these agencies to violate my right to privacy.
Consumer complaint received 2023-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: State Collection Service, Inc. (KS)

On XX/XX/XXXX, I received a bill for XXXX total. My insurance paid XXXX, my copay was XXXX, which I paid upon arrival at the XXXX XXXX, and there was a commercial insurance payment of XXXX. This left a balance of XXXX. On XX/XX/XXXX, I received a letter of financial assistance stating that my debt was forgiven by XXXX XXXX XXXX for an approved 68.8 % discount of the total bill. According to the site, I have XXXX debt and the balance was never given to collections until I noticed a derogatory mark on my credit report. Based off of these facts, I do not have any responsibility for the debt youre trying to collect. Please have this removed.
Consumer complaint received 2023-10-13
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. (CA)

Trans Union credit reporting agencys shows fraudulent inquires, please remove all fraudulent inquirys and XXXX fraudulent account listed below XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX inquiry date XXXX XXXX acount XXXX XXXXXXXX # XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating XXXX using a XXXX party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-10-13
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. (NJ)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax regarding unauthorized inquiries on my credit report. I have attached additional documentation to support my claim. 

Complaint Details : 1. **Unauthorized Inquiries** : On XXXX XXXX, I discovered unauthorized inquiries on my credit report from Equifax. These inquiries were not initiated or authorized by me, and as a result, have raised serious concerns about the security of my personal information. 

XXXX. **Attached Documentation** : Enclosed with this complaint, you will find the following supporting documents : - [ List of attached documents, such as ftc report XXXX identification documents as requested by equifax rep ] 3. **Impact on Financial Standing** : The unauthorized inquiries have the potential to negatively impact my creditworthiness, which could have far-reaching consequences on my ability to secure loans, obtain favorable interest rates, and even affect my employment prospects. 

XXXX. **Attempts to Resolve** : I have made repeated attempts to contact Equifax to rectify this situation, but have received no response or assistance in addressing this issue. This lack of responsiveness has only compounded my frustration and concern.

5. **Request for Investigation** : I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter to ensure that Equifax complies with federal regulations and takes necessary steps to rectify the unauthorized inquiries promptly.

I believe that Equifax 's failure to adequately address this issue not only jeopardizes my financial well-being, but also raises questions about their commitment to consumer protection and compliance with applicable laws and regulations. 

I appreciate your prompt attention to this matter and request that you keep me informed of any progress or updates regarding the investigation. 

Thank you for your assistance in this important matter.
Consumer complaint received 2023-10-13
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)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.