davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services (NY)

XX/XX/2016 as seen on my credit report EDFINANCIAL SERVICES is the company that has violated my rights, they have transferred my DEBT to a third party XXXX. 


20 U.S. Code 1232g - Family educational and privacy rights clearly states : ( A ) No funds shall be made available under any applicable program to any educational agency or institution which has a policy of denying, or which effectively prevents, the parents of students who are or have been in attendance at a school of such agency or at such institution, as the case may be, the right to inspect and review the education records of their children. If any material or document in the education record of a student includes information on more than one student, the parents of one of such students shall have the right to inspect and review only such part of such material or document as relates to such student or to be informed of the specific information contained in such part of such material. Each educational agency or institution shall establish appropriate procedures for the granting of a request by parents for access to the education records of their children within a reasonable period of time, but in no case more than forty-five days after the request has been made. 

EdFinancial Services, as a servicer of student loans, is required to comply with the privacy protections outlined in FERPA, they have failed to maintain my privacy and educational records.
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX account appears on my credit report. I have paid off my account years ago and it was recently replaced on my account again. I do not owe XXXX. I actually over paid them. I disputed this account before and it was removed only to reappear months later. 

XXXX XXXX Opened on XX/XX/2017 {$170.00}.
Consumer complaint received 2018-05-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CHECK INTO CASH INC. (NY)

I am a victim of identity theft. Today my credit monitoring service alerted me to a collection account that was just added to my credit profile. The collection account is : XXXX XXXX XXXX which is a debt collector collection a debt for the original creditor " Check Into Cash ''.

I have never done business with Check Into Cash or heard of Check Into Cash. A quick look at my credit report shows zero late payments for any accounts and only one negative account which is this collection account.

Several years ago my office was broken into and several identity documents were stolen. Included was my driver 's license, my passport and my social security number. I filled a report with my building 's security and then later after my identity was stolen I hired an attorney who had my file a police report. Several bank accounts, credit accounts and even a penthouse apartment lease was executed in my name without my knowledge. All of these accounts have been investigated and removed from my files after outside investigations.

I have attached a copy of the affidavit of identity theft affidavit and the police report. I have also attached copies of letters from XXXX XXXX XXXX regarding bank accounts opened in my name fraudulently and a letter from an apartment complex where someone had executed a lease in my name without my knowledge, approval or authorization to back up my identity theft claim. All of these documents have contact information on them if any party needs to verify any of the information.

This debt collector and original creditor may only contact me in writing either through the CFPB portal or through the mail. This debt collector and the original creditor may not contact me over the phone, all communication must be in writing.
Consumer complaint received 2017-03-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: DISCOVER BANK (MI)

My loan was sold from XXXX To discover student loans and improperly charged off. I was called in XX/XX/XXXX and told I must pay off all late payments or my loans would be charged off. I entered into a repayment program after I was informed that they had charged off to do whatever I could to repair my credit. I was informed by discover that they have no credit repair options, and that even though I was going to bepaying double the minimum payment two Months after it had originally charged off, it would have no positive effect on my account status or credit report. After I was unable to make the full payment, my loans were charged off and I was informed by a different employee at discover that I could have made a minimum payment to bring my account into a current status. I payed off the loan In XX/XX/XXXX and the loan is still showing as a charge off even though it is paid in full 3 months ago and it is preventing me from getting a mortgage and buying a home.
Consumer complaint received 2018-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have attempted numerous times to get XXXX XXXX XXXX to remove the erroneous and illegal account ( ending XXXX ) from my credit file. I have asked for verification, I have shared with them that I was a victim of Identity Theft, I have requested to see the original instrument of indebtness in its original form, this account has been VERIFIED every time that I have disputed this file. 
The FCRA states the bureaus must verify all information that they get from banks, credit card companies, etc before it's put into my credit report. In the letter written to me from XXXX XXXX XXXX on XX/XX/2018 they CLEARLY state that they DO NOT have a signed contract with my signature affixed. This account can't be VERIFIED and I am requesting that it is REMOVED IMMEDIATELY.
Consumer complaint received 2018-05-13
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: DISCOVER BANK (MA)

My Discover Credit Card was hacked in XX/XX/XXXX because XXXX  stores were hacked and all their clientele 's personal information was taken. I did not realize that my cards had been hacked until XXXX/XX/XX/XXXX. I disputed the charges to my 3 credit cards that I had the XXXX hacked charges. Two of the credit cards refunded my money and Discover refused to refund me what they owed me from that hacking : {$3400.00}. In their estimation, there were just 7 XXXX charges and they felt that those charges were real that I was responsible for them. There were 21 hacked charges not 7. Normally they would call me when there was a constant charge coming from the same place but they never did and they continued paying off those XXXX charges until XX/XX/XXXX. I put in the dispute against the 21 charges and asked them to send me a copy of each charge with signatures. They kept sending me 7 - 9 of the signed charges over and over again and wouldn't send me the 21 signatures. At one point they were going to refund me {$1700.00} until they suddenly took that away and decided, without my approval or authorization to close my case, which they did in XX/XX/XXXX and found that out in XX/XX/XXXX that the case had been closed and that they couldn't do anything for me because I was responsible for all those charges!!! I spoke to someone in the Dispute Office and they told he told me that he would look into it and open it back up for me. Never heard from him and I kept calling asking them what had been done with my dispute. I put in a dispute with the Office of Consumer Affairs in Illinois with XXXX XXXX : XXXX, DE ; XXXX DE ; and again with XXXX XXXX in Illinois because it seems that Discover Card are in so many states that I was being shuffled around from one state/office to another. Charges on my Discover Card from XXXX paid cards that was supposed to be shut off : XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,1XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX: XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. 
I tried to get a copy of all those signatures from XXXX but they informed me that they don't keep receipts. How Discover ever got those 7 signatures and could not get the rest of the 14 signatures is beyond me and truly puzzling.
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (NY)

I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

Best Buy Opened XX/XX/XXXX Closed XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-05-13
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: LoanCare, LLC (CT)

Loancare ( mortgage servicer ) is falsely listing me as a debtor on a mortgage, however I was never on the mortgage. I believe this is illegal activity on the part of the XXXX XXXX XXXX XXXX as part of the subprime lending crisis. My name was on the Warranty Deed only, never on the mortgage. LoanCare has fraudulently reported to credit agencies that I am in default even though the debt/mortgage is not and has never been in my name. 

My credit rating has been severely and negatively impacted as a result of LoanCare 's falsification, which is a very serious matter. My credit rating was previously Very Good-Excellent before LoanCare 's false report. 

The service company name and address : LoanCare , LLC XXXX XXXX XXXX Virginia XXXX, VA XXXX XXXX : XXXX
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

In XX/XX/XXXX, I wrote a letter to Equifax disputing a collection account from XXXX XXXX XXXX , XXXX. from client name : XXXX XXXX XXXX XXXX XXXX. My dispute was received by quifax on XX/XX/XXXX.

They advised tha the item was investigated but it was not removed from my account.

On XX/XX/XXXX, I wrote another letter to Equifax that was received by Equifax on XX/XX/XXXX. I requested that they provide thieir method of verification as is required by the Federal Credit Reporting Act. Specifically, I asked : Who did they speak with?

What was the date?

How long was the conversation?

What was their position? What is the name of their employee that spoke directly to the creditor? and What is the position of the employee that spoke directly with the creditor.

They never provided any of the above information. They simply said that the information was verified.

As I work to get this item removed from my credit report, the above information is key to me being able to follow up effectively.

Equifax did not provide the information that I requested.

On XX/XX/XXXX, I sent another follow-up letter advising them that, as they failed to comply with Federal Regulations, they need to remove this item from my credit report. However, this item remains on my credit report.

Any assistance you can provide in the resolution of this matter is greatly appreciated.
Consumer complaint received 2018-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Navient Solutions, LLC. (NC)

I have never done business with Navient. Further, Navient can not provide original documentation proving that I ever did business with them ; therefore, their claims are invalid. They continue reporting to the credit reporting agencies monthly that I have missed payments ; however, I have NEVER done business with them. 

I have reported this to the Consumer Finance Protection Bureau, but the CFPB has done absolutely nothing. 

I have also reported XXXX XXXX XXXX. XXXX is now closed ; I quit attending classes there when I realized that they were a scam. They generated loans without disclosing the amounts to me and lied to me to attempt to keep me as a student. I reported their crimes to the CFPB and the CFPB has done nothing. 

It has been a long time since I reported EVERYTHING to the CFPB IN FULL DETAIL and have yet to hear anything back. 

I have researched the CFPB and have concluded that the CFPB does absolutely nothing and is a waste of taxpayer 's money. 

Until you show me results, I will have to believe that you guys sit around and do absolutely nothing. 

After all - numerous consumers already state that that's what you do. Further, you have done absolutely nothing to help me. 

I want the CFPB to be audited and to also FINALLY take the initiative and time to assign an investigator to my claims against both Navient AND XXXX XXXX XXXX. 

You say that it's your job to enforce rules to keep financial companies operating fairly. When are you going to actually do your job?
Consumer complaint received 2018-05-13
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My identity was stolen to open a private label Capital One Kohls account at XXXX Sunday XX/XX/XXXX I received email receipts of XXXX watches being purchased in an account in my name I did not open I received an immediate alert from XXXX and XXXX monitoring. 

I tried to call Kohls credit card department and was informed they dont open until XXXX on Sundays!! 

In the meantime I saw more receipts for more fraudulent watch purchases I have a general purpose Capital One card and called them and told them the problem. They told me they have no access to the private label credit card system. My response was the same ultimate bank is granting private label and general purpose unsecured credit and you have no exchange of information between the two businesses. 

He said yes. I have no idea how Much the private label credit line is or whether it is delinquent when I look at that credit in the general purpose card system Therefor Capital One has no idea how much credit they are giving to the same client across their unsecured consumer credit businesses and if a client defaults in one business it does not automatically Impact the other business This is horrible risk management and they should be in the penalty box and not pay any shareholder dividends until fixed XXXX XXXX XXXX Investment Banking and unfortunate Capital One client
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KS)

XXXX XXXX XXXXXXXX is reporting the account is handled by a debt management company where it is NOT. I pay my payments directly to XXXX XXXX XXXX. They are also reporting my account is OPEN on XXXX credit report where it has been CLOSED for 1.5 years. In addition they are reporting late payments in 2016 when I was not late, they failed to send my statement to the correct address after a military move. They were given the correct address and still to date have not updated it.
Consumer complaint received 2016-08-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: DISCOVER BANK (NY)

Discover Bank closed my checking and savings ( account # XXXX ) accounts without asking me. I have a {$500.00} deposit in my checking, they refuse to give me my deposit back by check. and the only way is through an indemnity letter through my other bank, from with the {$500.00} was transferred in. My other bank, XXXX, does not do indemnity letters. 
Now am conned out of {$500.00} by the crooks at discover bank.
Consumer complaint received 2018-04-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Quality Loan Service Corporation (CA)

this maybe somewhat similar post but is not this has more information, and now will be held in the XXXX XXXX XXXX and a XXXX Pound note against each individual committing crimes against me. Forgery is a Crime. Black night foreclosing run of the mill operation, with publishing and posting fraudsters, forging my name, securitizing before closing deal not even owner, clouded title, fraud lien instrument, FDCPA Violation of Taxes, Stealing SSI and Cusip money, XXXX Accepted under duress as beneficiary with non-disclosure and another time as trustee, cancellation of note securitization, all fraud trying to settle the accounts and can not and attempting through XXXX XXXX XXXX, and Quality Loan Service to foreclose on the debt of the bank owes to the federal reserve, go to jail. ( CONFEDERATIONS in 2018 XXXX XXXX COURT MARTIAL LAW RULER JURISDICTIONS ) 24 hours to respond to the XXXX XXXX XXXX XXXX, SOVEREIGN AUTHORITY and JURISDICTION FOR AMERICANS. " XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''
Consumer complaint received 2016-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NY)

I attended an XXXX program in XXXX and took out student loans. Upon graduating and beginning repayment, I was often contacted by customer service given XXXX amount owed ( $ XXXX/month ). I was not aware that this XXXX amount I was told was outstanding, represented the balance of XXXX loans. Therefore, when I had financial issues and could not repay, one missed payment represented XXXX negative hits ( XXXX for each loan ). While missing 7 payments over the course of 4 years is not good, it is far worse that each loan was reflected as non payment ( XXXX negative marks ). I was never told I had the option to pay some loans, which resulted in lower payments. And while some would have and could have still been delinquent, all XXXX loans would not have been. I believed all the loans came from institution, and therefore there was only one payment due.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EdFinancial Services (MI)

ED financial service is using an illegal method to report these amounts on my credit/consumer report. 15 USC Chapter 41, subsection 1681 c states, " Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless- ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.

( 7 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a veteran 's medical debt if the date on which the hospital care, medical services, or extended care services was rendered relating to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a veteran 's medical debt and the consumer reporting ... '' Ed financial/ESA keeps updating my payment date to keep this on my credit report. I have never made a payment on this account and it is over XXXX years old. They also can't furnish proof of a recent payment. This is illegal and I want every single payment that is more than XXXX years old removed.
Consumer complaint received 2017-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been a victim of Trans-union Inquiry Issue and customer service would not help and take care of the negative inquiries reporting on my credit report. Please refer to the inquiries below : Business Name : XXXX XXXX XXXX Date : XXXX/XXXX/XXXX Business Name : XXXX XXXX XXXX XXXX Date : XXXX/XXXX/XXXX Business Type All Banks - non specific Business Name XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Personal Loan Companies Business Name XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Personal Loan Companies Business Name XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Personal Loan Companies Business Name XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Bank Credit Cards Business Name XXXX XXXX BANK Inquiry Date XXXX/XXXX/XXXX Business Type All Banks - non specific Business Name XXXX XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Bank Credit Cards Business Name XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Finance Companies - non specific Business Name XXXX BANK XXXX. 
Inquiry Date XXXX/XXXX/XXXX Business Type All Banks - non specific Business Name XXXX XXXX Date XXXX/XXXX/XXXX Business Type Bank XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX/XXXX/XXXX Business Type Complete Department Stores Business Name XXXX XXXX Date XXXX/XXXX/XXXX Business Type Home Furnishing Business Name XXXX XXXX Date XXXX/XXXX/XXXX Business Type Miscellaneous and public record Business Name XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Banks and XXXX & XXXX Business Name XXXX Inquiry Date XXXX/XXXX/XXXX Business Type Finance, personal
Consumer complaint received 2018-04-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (DE)

Why should loans be granted for students or paid back by students who attended classes they didn't want to in order to get a grade that they didn't want from a teacher who didn't have the time or ability to teach the student in the way that they succeeded most?