davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-19
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)

My federal student loans are handled by EdFinancial Services. On XX/XX/XXXX, I canceled my existing autopay with EdFinancial because I had transferred to a new checking account, and wanted to set up auto pay with the new checking account. For the month of XXXX, I simply made a manual payment to cover my student loan payment. 

After setting up auto pay with my new checking account, I received a confirmation email and I assumed I was all set. I had set up my autopay to clear on the XXXX of every month. On XX/XX/XXXX, I receive a delinquency notice because my auto pay had not gone through on XX/XX/XXXX. I thought this was strange since I had set it up with my new bank account on XX/XX/XXXX, so I re-submitted my autopay request, and made another manual payment. 

The same exact thing happens after XX/XX/XXXX ... no auto payment had gone through. I reach out to EdFinancial and the only feedback I receive is that it takes XXXX billing cycles for my autopay to be confirmed by them. It's been over 2 months now since XX/XX/XXXX when I enrolled in my new auto pay, and I still have not heard back from them with a confirmation that it works. 

I find this unacceptable given that with autopay, you receive a 0.25 % interest reduction. By not being clear about the auto pay process, and relying on outdated technology that can not handle starting auto payment the same day you enroll, borrowers must wait months to receive their promised interest rate reductions.
Consumer complaint received 2016-10-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST HORIZON BANK (TN)

I opened a credit card with First Tennessee bank XX/XX/XXXX. received the card about 4 weeks later. when i went into my online banking to add the credit card to my screen, I found out that besides my checking account from XX/XX/XXXX, and the new credit card. i have a third account that has been hidden. it was a checking account that was opened without my permission. I called customer service and the agent on the phone said i opened the account same day the credit card was opened. the agent just offered to close the account with no explanation why the account was opened in the first place. i sent an email requesting explanation and they replied 4 days later saying basically the phone agent took care of closing the account and again without explaining what happened. 
this was engineered in a way for me to never find out about it. it was hidden from my online banking. no debit card was sent to me. 
I checked with my husband and other relatives who ban with First Tennessee. and after digging deeper found similar situations. separate CFBP complaints will follow.
Consumer complaint received 2016-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

All Collection or Charge-Off accounts on credit report should reflect a closed status. By leaving the status as open, my balance has changed several times from the collection and/or charged off amount. My understanding is that " Open '' accounts influence your credit score much more harshly than " Closed '' accounts. If a company has " Charged Off '' or sent your account to " Collections '' should n't it be closed from reporting every month as a revolving or installment account?
Consumer complaint received 2016-10-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Union Adjustment Company, Inc. (CA)

I disputed with XXXX regarding a company that was showing up on my credit report as a 30 day term financial account in collection. There was no payment history. They claimed the original creditor was a company called XXXX XXXX. I never had an account with XXXX XXXX, who reported an auto loan, but this company was on my credit report as a loan. I have disputed regarding that company and have received a resolution regarding my XXXX XXXX adversely effecting credit report. 

I contacted Union Adjustment Co. by mail on XXXX XXXX, XXXX. I sent the letter certified return receipt to the agent of service for this company, XXXX XXXX. I wanted to know how they obtained the account, a completed payment history prior to the year XXXX, copy of original signed documents, and a canceled check or this information needed to be removed from the credit bureaus. I have yet to receive a response with documentation. My main concern is this account was removed from my credit report. It somehow reappeared under a different account number and different amount due. 

This company has provided conflicting information to the credit bureaus. I originally tried to resolve this matter in XXXX. I pulled out that credit report and noticed that the account number is not the same as the account number on my XXXX credit reports. I also noticed that each credit report I have received since the one in XXXX has a different first reported date. If they claimed it was reported in XXXX XXXX, how can it now say XXXX XXXX which is right around the time I notice this account reappeared on my XXXX credit report after being removed at some point in time after I disputed in XXXX. I also noticed the amount in XXXX was less than {$5000.00} and now it 's almost {$7000.00}. The amount due increased between XXXX to XXXX XXXX with less than {$50.00} yet there is a huge difference in the amount from XXXX to present. They do not provide monthly amounts on my credit reports. It 's only the current month. Where did they get that amount and how are they justifying a loan collection when I ca n't get any verification of the information that provide to the bureaus? Just looking at the credit report, it looks like this is a brand new debt that was created in XXXX. Looking at the credit report from XXXX and the XXXX and XXXX XXXX reports and it looks like a collection company put this debt back on my credit report at the time my credit improved and attempted to age it as new debt since it 's past the statute of limitations for California. 

I want this company to provide the documentation showing my signature for XXXX XXXX regarding checks, original loan documents, their assignment, and anything showing my signature with XXXX XXXX associated with this account or remove this from my credit report, because they are reporting in error when they provide conflicting account numbers and amount owed with nothing more than sending a message to credit bureaus claiming the account is verified.
Consumer complaint received 2017-02-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have found myself in a difficult situation since someone stole my identity. I feel I have exhausted all my efforts and need additional help. I have submitted to each of the credit bureaus a copy of both a police report, my identity theft affidavit, and a copy of my personal information i.e. my drivers license, copy of my passport, and my social security card. Additionally, I sent in a letter disputing the inaccurate information and got no response at all. It has now been over 30 days and I have yet to hear any response from them regarding the matter. I am now submitting a complaint to request additional help in rectifying the situation. I know the credit bureaus are each in violation of federal statute, and the only request I have is for the fraudulently reported information to be removed and blocked so that I am no longer affected by it. It has been interfering with me being able to get credit, gain additional employment, and hindering the quality of life I deserve to live.
Consumer complaint received 2016-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (VA)

Experian is holding me liable for debt that I did not apply for. I am a victim of identity theft and they refuse to remove the fraudulent accounts. The fraudulent accounts are XXXX XXXX and XXXX XXXX XXXX XXXX. I 've uploaded my identity theft report to their website and sent a certified mail copy. They are violating federal law by keeping this fraudulent debt on my credit report.
Consumer complaint received 2016-10-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I co-signed my son 's car loan ; a few months later, I received a call stating that my son was more than a month late on his payment. I requested at that time to start automatic deductions from my bank account ; I made the payment which was behind, and I provided all my contact information including cell phone, email address, and mailing address. I requested to be notified if anything happened with this account, and setup the automatic deductions immediately. I also included this car on my XXXX policy. About a year ago, I told my son to go ahead and get an insurance policy on his own since I was paying too much between his car payments, my car payment, and both insurance coverages. I confirmed with him that he has done so, and I continued paying for the loan. I monitored the account to make sure that payments were being deducted monthly, and when I changed banks, on XX/XX/2016, I noticed that the automatic deduction was not honored, I called and make a manual payment. I called Capital One ( the financial institution ) to apologize and explain to them that my bank, XXXX takes awhile to start the automatic deductions. On XX/XX/2016, my son had a car accident ; then, I found out that the car did n't have any collision coverage. Capital One was supposed to check to make sure that the car had the appropriate coverage ; they had my information and my son 's information so they could have called us to let us know to purchase the appropriate coverage. They are supposed to have a dedicated department to check for insurance and take the necessary precautions to preserve their own interests. However, they acted carelessly and when I called to ask them what can be done, their answer was, " well now you have to pay several years for a car you ca n't drive ''. It seems to me that they do n't care because they feel that it 's going to be the consumer 's problem.
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have written Trans Union and asked them to remove the incorrect addresses from my reports Date:XX/XX/2016 REF : XXXX To Whom It May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : These are the only XXXX addresses that I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX And XXXX XXXX XXXX, XXXX XXXX And XXXX XXXX XXXX XXXX , XXXX XXXX Please remove all the other addresses off my report. They are not correct. 
I have never lived at the XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX XXXX. Driver License and Proof of Residence
Consumer complaint received 2017-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (NJ)

On XX/XX/XXXX I used my US Bank account to fund a transaction in error. I did not realize I used this account until XXXX in which I immediate took action to resolve the issue. I updated my address and contact information, contacted US Bank about the fees assessed against my account ( {$36.00} on XXXX, {$25.00} on XXXX, {$36.00} on XXXX when the fee originally fee could not be charged - this charge should not have occurred ), {$25.00} on XXXX ). Over the phone, I was told that they could only waive the two {$36.00} fees because the two {$25.00} fees were placed by the branch. I moved to NJ, there is not a US Bank near by, I had a friend make two deposits into the account on XXXX, which left the balance negative {$49.00}. He spoke with the US Bank in Nebraska who said that they ca n't waive the fee, that the branch where the account was opened is the only place that can waive the fees. On XXXX, another {$25.00} fee was placed for being negative for more than 7 days. On XXXX an automatic payment was made which resolved the negative balance. 

I called the local branch where I opened the account and XXXX denied my request to waive the fee. I called the CS number and they said they could not help because they can only waive 2 fees a year. I 've never had a fee in my 8 years of banking with them. I asked for an exception and was denied. I spent over 2 hours on the phone trying to get my issue resolved. 

I would like to understand how the second {$36.00} fee was charged, it does n't make sense or seem fair that a bank can charge a fee for their own fee being declined. And the last {$25.00} fee would not have happened if the bank teller on XXXX provided accurate information that the bank would not waive the two {$25.00} fees to start with.
Consumer complaint received 2017-12-27
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: JPMORGAN CHASE & CO. (FL)

To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

Sincerely
Consumer complaint received 2017-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MN)

Monthly payment for XX/XX/XXXX made on XX/XX/XXXX, debited from my bank on XX/XX/XXXX.
Shortly after making payment, enrolled in direct debit/automatic payment for slight reduction in interest rate ( not notified, found on their site on my own ).
After enrolling in direct debit, account summary showed that I had a new payment due for XX/XX/XXXX on XX/XX/XXXX.
Suspended direct debit for one month to avoid making two payments, and contacted FedLoan customer service to address the error. Was told that they would correct it in their system.
Followed up with FedLoan on XX/XX/XXXX when my account still showed a payment due on XX/XX/XXXX. Was told again that they would correct it in their system but that it would take 10 days for it to be reflected on my account summary.
Checked my account summary on XX/XX/XXXX and it still showed payment due for XX/XX/XXXX.
Notified via email that my payment for XX/XX/XXXX is three days past due onXX/XX/XXXX. Called FedLoan customer service which then verified I had made a payment for XX/XX/XXXXand that it had been applied to my account, and reassured me they would correct the error.
Received another email on XX/XX/XXXX stating my payment was one week past due. Immediately sent them an email describing the series of events listed above, have yet to receive any response other than they have received an email from me.
As of XX/XX/XXXX my account is showing a payment made for XX/XX/XXXXon XX/XX/XXXX, and payment due for XX/XX/XXXX on XX/XX/XXXX, and a direct debit payment scheduled for XX/XX/XXXX.
Consumer complaint received 2017-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

follow up to complaint number XXXX submitted XXXX/XXXX/XXXX TransUnion did not provide a responsive reply. The letter I sent to the company specifically stated " According to the Fair Credit Reporting Act, Section 609 ( a ) ( 2 ), you are required by federal law to disclose the sources of information in a consumer credit file ... ..Pursuant to FCRA 609 ( a ) ( 2 ) : include the names and contact information of who you spoke to that verified the bankruptcy records ( furnisher of information ) and copies of documents they provided ''. 

Transunion has not provided the name of the person or persons spoken to nor the records used to verify. It is interesting how Transunion verified considering that I used the voice system to verify myself and the information is incorrect. Therefore I am very interested in knowing how Transunion lawfully verified BOTH bankruptcy public records since they are not verifiable and have incomplete and incorrect information. In which case they must be removed according to the laws previously cited. 

Therefore, because verification of the account can not be determined, the credit reporting agencies are obligated by law to delete in this case, an item, or entry, from all credit reports and 3rd party reporting agencies. The bankruptcies must be removed pursuant to Section 611 ( a ) ( 5 ) ( A ) ( i ).
Consumer complaint received 2017-12-27
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: Central States Recovery, Inc. (KS)

I pulled my credit report for all three companies, I 'm in the process of purchasing a home. And I have this collection on my credit that is reporting inaccurately. 
First-I do n't know who this collection company is, i have never received paperwork from them. I tried to call them and I get push back, stating that the account is paid so I do n't need to worry about it. 
Second-it 's reporting differently on two credit reports-On XXXX XXXX, I get the full information regarding the account and on XXXX-I get very little. I do n't even get the company name on XXXX!! I have attach a copy of the collection summary for XXXX XXXX and for XXXX.
Consumer complaint received 2017-12-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MA)

Hi, I have initiated a wire withdrawal request on XXXX XXXX and the site as promised estimated that the day of deposit will be on XXXX XXXX Then later the site has updated that the delay can be expected up to 5 Business Days and my request has crossed the 5 Business Days I tried emaile the Coinbase Team 3 times but had no response, then I tried to call them up three times and each time I waited for 1 hr with no response I am having a personal emergency and I am worried that I am being cheated by the Coinbase team
Consumer complaint received 2017-12-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

I was reading my emails when I realized I had a message from XXXX XXXX monitoring notification, To my surprise, I saw that my credit score had dropped 30 points. I looked at the details too both XXXX and XXXX, I read that Navient 1 had reported my account to have 90 - 119 days late. 
I had a Chapter XXXX Bankruptcy that was discharged in XX/XX/XXXX. I received a letter from the XXXX XXXX advising me that after the bankruptcy discharge there made be a letter sent from any creditors in which I had a balance if any. 
When I read my credit report I called Navient and explain to them that I have not received any letters or communications concerning any balance. This call was made in XX/XX/XXXX. During this call, I explained that I have not received any communication or letters from Navient in reference to this loan. In my bankruptcy, I had a balance high of {XXXX} down to the Navient present balance of {XXXX}. I agreed to pay the amount of {$XXXX} plus interest by XX/XX/XXXX, and continue monthly payments of {XXXX} until the balance is paid. All I ask is that the derogatory marks on my credit report be removed as per the dispute. I had to update the information on my profile because the information was incorrect on record. I hope Navient will remove the marks as requested.
Consumer complaint received 2017-12-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (FL)

I ordered XXXX a cryptocurrency from Coinbase and have not yet gotten my order. The order was placed on XX/XX/XXXX and was promised XX/XX/XXXXand I have yet to receive the order. These cryptocurrencies are highly volatile and can cause financial loss. I have reached out to the company multiple times and have not gotten a response. This is unacceptable.
Consumer complaint received 2017-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (CA)

Received XX/XX/XXXX a written communication from PayPal Credit dtd XX/XX/XXXX about which we were totally confused. 
Never applied therefor or wanted. supposedly for a XXXX account charge. 

Placed call to ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX P.M. 
Customer service indicated they had no knowledge of any such PayPalCredit connection. We received no evidence this account was assigned by XXXX to PAY PAL CREDIT. ( Nor of any XXXX times three charge made on PayPal credit card ). They indicated no knowledge of the Pay Pal missive/circumstance. 

XX/XX/XXXX XXXX XXXX. Talked to a one who identified as XXXX. 
Demanded the account be closed. 

3. XX/XX/XXXX calling ( XXXX ) XXXX at or about XXXX XXXX 

Called PayPal Credit : One who so identified herself as XXXX Customer service representative at Pay Pal Credit, After explaining ourselves, and she said she would switch us over to a Specialist. the switch over resulted in a recorded call-announcing closed : " now closed Monday through Friday..call back during the hours ... '' I talked to XXXX XX/XX/XXXX she said she could n't remove the charge of {$12.00}. 
No date of purchase.on the letter, nor what the charge was for. PalPal Credit indicated it was one of three transactions. 

XXXX said she would move me over to a credit specialist Hung up. disconnected Let it be known we OPT OUT ( and should n't have to. We did n't order the card. Just reciting the terms and conditions of the card. TO WHICH WE DO NOT ACCEPT ) of any arbitration. 
Curiously, the company wants folks to download a dispute form, and send to additional places ( costing even more certified postage ).