davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (IL)

EdFinancial has been unresponsive with handling my repayment plan update application, XXXX loan forgiveness application, and request for status updates. 

XXXX : XX/XX/XXXX : XXXX Loan Forgiveness Application submitted to Edfinancial. Response received, stating " Please allow approximately 30 business days for processing and we will notify you if anything else is needed. '' XX/XX/scrub>XX/XX/XXXX : SAVE repayment plan application submitted through studentaid.gov, which should was sent to Edfinancial. 

XX/XX/scrub>XX/XX/XXXX : No response or update about the XXXX Loan Forgiveness Application or SAVE plan application. 

XX/XX/XXXX : SAVE repayment plan not processed by Edfinancial. Loan repayment requirements re-started by the Biden administration. Balance began to build on my account because of the delay in having the SAVE repayment plan application processed. 

XX/XX/scrub>XX/XX/XXXX : Status request sent to Edfinancial via email. No response received. SAVE plan not applied to account. XXXX Loan Forgiveness Application not processed. 

XX/XX/XXXX : Status request sent to Edfinancial via email. No response received. SAVE plan not applied to account. XXXX Loan Forgiveness Application not processed. 

XX/XX/scrub>XX/XX/XXXX : SAVE application and XXXX Loan Forgiveness Application resubmitted through Edfinancial website. Neither were processed in XXXX. 

XX/XX/XXXX : SAVE application finally processed and applied to my account, but now I owe an unaffordably high balance that should not even be a balance, because of the multiple month delay in Edfinancial processing my SAVE plan application. No update in the XXXX Loan Forgiveness Application. 

*Mutiple calls were placed to the customer service phone line, each with a hold time over 200 minutes, never successfully connecting with a customer service representative.
Consumer complaint received 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (AL)

First I had my loans with Edfinancial and I was not told accurate info about why my loan payments were not going towards my forgiveness loan that I applied for. They also have over 2 hr to 3 hr wait times to speak with someone which is unacceptable. Because they provided inaccurate info to me, I went ahead and paid my loan off because I was tired of dealing with them and did not want to go through yet another servicer. Ed financial received my payment posted on XX/XX/2023. They proceeded to transfer my paid off loan anyway 20 days later. They never returned my money. I have been calling them to say hey you transferred a paid off loan and now the new servicer is asking me to start paying on a loan that should not have been transferred because it was paid off and they are trying to add interest. Ed financial said they are supposed to issue a refund but I am yet to receive it. They told me that it can take up to another 150 days to receive my refund. They have had my money for over 90 days already. They should not be able to do this. They owe me interest on my money and I should not have to pay interest to the new servicer. I need my money ASAP. Not 150 days later. They have had my money for too long already. When were they going to refund me? We're they trying to keep it? Why havent I received my refund yet since I have brought this problem forward?
Consumer complaint received 2023-03-21
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-21
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to investigate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$9100.00}
Consumer complaint received 2024-09-18
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. (CA)

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility and additionally the bank has committed to updating the status to open/never late. This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the account XXXX XXXX XXXX XXXXXXXX ....
Consumer complaint received 2023-04-30
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. (NC)

The Credit Bureaus stated that my XXXX XXXX XXXX account was properly investigated, but how is that possible if the Account Status is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Creditor Remarks are inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights 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.
Consumer complaint received 2023-03-21
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. (CA)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681 has violated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. has violated my rights. 15 U.S.C 1681 section 602 A states I have right to privacy. 15 U.S.C 1681 section 604 A section it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681C section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-01
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. (DE)

To whom this XXXX concern at Transunion, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse JXXXX account number XXXX XXXX XXXX XXXX XXXX As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. am not in dispute of the ownership of the account but it you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX XXXX [ XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2023-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (MN)

My Wells Fargo visa card balance was {$540.00} on XX/XX/XXXX. I have a reoccurring loan payment that a portion of goes to my " Wells Fargo '' visa* card which is my overdraft account after my " Way to Save '' account. " WF offers early direct deposit and my checks are usually in my account Wednesday or Thursday of every week. I pay that overdraft fee from my checking account on the 9th day of every month if necessary. On XX/XX/XXXX, I viewed my activity on my checking account and noted my loan payment of {$270.00} and a " XXXX '' XXXX XXXX payment in overdraft on my Visa card. As usual, I went to my online account on XXXX XXXX XXXX XXXX XXXX XXXX  and viewed my direct deposits ; XXXX XXXX weekly deposit of {$420.00} and XXXX bi-weekly deposit of {$830.00} in my checking account., I paid {$400.00} to the visa* card, {$100.00} to my " Wells Fargo , Bilt '' card, and transferred $ XXXX savings My remaining balance was {$330.00}. On XX/XX/XXXX I paid another {$50.00} my balance was still {$540.00} hours later I had a cash advance of {$950.00} on my credit card and my checking had over XXXX in it savings was $ XXXX disputed. My savings was restored. The credit balance went to {$1100.00}, and .later the interest was removed. My credit score is XXXX pts. I was told I would not be charged interest on the unauthorize cash advance.
Consumer complaint received 2023-04-30
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. (NC)

My identity has been compromised since the year XXXX. The thieves used my stolen information to obtain an auto lease with XXXX XXXX. I became aware of this situation in XX/XX/XXXX after receiving numerous credit application denial letters that I was utterly unaware of and didn't authorize. Afterward, I reviewed my credit report and then noticed this account, which I was also completely unaware of. This account has been negatively reported since XX/XX/XXXX which is significantly affecting my credit score. I've disputed this account numerous times with no result and also have not received any information regarding this account from the company.
Consumer complaint received 2023-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TN)

LVNV FUNDING LLC, at address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX has been sending me collection notices in the amount of {$650.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. XXXX states that I, the consumer, verified documentation from them. I have not verified any information from XXXX.
Consumer complaint received 2023-04-30
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  # XXXX ; XXXX  XXXX # XXXX ; XXXX  XXXX # XXXX ; XXXX  # XXXX XXXX XXXX XXXX  # XXXX and # XXXX ; XXXX ; Dept of Ed/XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  ; XXXX  ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX has XXXX 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 an account without my written instructions. B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on. The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this. 
15 U.S.C 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 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I've tried to open a credit card to build my credit score. Unfortunately, I made a mistake in my personal information, which may be why my requests have been declined. 

On the XXXX of XXXX, I completed and submitted the XXXX form for Alien 's Change of Address Card. However, when I was opening a XXXX  checking account, they told me to use the old address as a proof address, since then I have been using my old address as per their instruction when I was applying for a credit card, and I think this confusion has to be a reason why my applications for a credit card were declined ( except XXXX credit card, it was approved ). 

XX/XX/2023 XXXX XXXX  XX/XX/2023 - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  application for business credit card
Consumer complaint received 2023-03-21
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: EQUIFAX, INC. (NJ)

On XX/XX/ I mailed a letter to the creditor and CRAs to opt out of non-affiliated third party reporting and sharing my non public information. I informed the creditor, XXXX Bank that I was never informed of my rights of disclosure and I had the option to opt out when starting a banking relationship with them. I have not received a correspondence yet from either party.
Consumer complaint received 2023-04-30
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. (WI)

I submitted a complaint dated XXXX to you with a Complaint # XXXX. 
I realized that the box where it says " What company is this complaint about '' I entered my own name. I wanted to put Transunion. 
Would you please make this adjustment on previous Complaint. 
Thank you
Consumer complaint received 2023-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I was already enrolled in the income based repayment plan and it should have been rolled over to our new service loaner - mohela. 

I did not need to certify my income during the pandemic forbearance but I certified it recently Not wanting to jeopardize my payment count, nor my monthly payments tripling, I acted on it as instructed. It was only later on from My peers that I learned that I did not indeed have to do the annual recertification, and that the monthly payments I was paying when the administrative forbearance took effect should have been the same when the administrative forbearance ends XX/XX/2023. Mohela / fed loans unfortunately seems to be banking on individuals not knowing this information as they do not publicize, advertise, nor inform their customers this nearly as much as they do the fact the they " HAVE TO '' do otherwise under threats of greatly increased monthly payments. 

I called Mohela XX/XX/2023 to honor my past income driven payment plan before pandemic and they said they can not reverse it since I already recertified my income XX/XX/2023.
Consumer complaint received 2023-03-21
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX A XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00}
Consumer complaint received 2023-04-30
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC. (GA)

Chrysler Capital financial company is using illegal practice and fraud Pursuant to US code 5 1640 they attempted to take my vehicle after I had paid up this debt they sent out there repose company Hide and seek to repo my car on XX/XX/2023 at XXXX am Friday morning. And also put this on my credit report as charge off bad debt this is fraud and illegal practice I have not received a anything in mail that I owe them so now since I reported them to the CPBF they have become angry with me. I have been violated from day one I never received 15 US Code 1602 to rescind the agreement and I never was provided accurate information I was given false information under U.S code 1611 I am asking for all my money back down payment under code U.S 1605 down payment payment money and all my payment I have given Chrysler Financial alone with my title return to me free and clear. If failure to comply rescission will result in civil liability for fraud Pursuant to 15 U.S Code 5 1640
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (PA)

I have contacted PayPal/Sychrony bank about an unlawful credit pull/purchase. I have never signed up for a buy now, pay here service or mail a purchase through this account. I have spoken with both and would like to rectify this issue and fix the credit hard it has caused.
Consumer complaint received 2023-04-30
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. (NY)

Creditor Name : XXXX XXXXXXXX Date : XX/XX/23 Action : When contacting Transunion to remove inquiry they said to contact the creditor which I did. The creditor would not assist me in the removal of the inquiry so I am filing a complaint with the CFPB.
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (TX)

I contacted XXXX XXXX for help as in a disaster victim and a senior citizen. The representative told me that XXXX XXXX would lower my payments to {$200.00} for a period of a year but interest and fees would accrue, but I would only be charged {$200.00} per month for XXXX  year. He made it very clear to me that this was some program that they could offer me. Instead, they increased my monthly payments and refused to lower my interest rate. I've tried speaking with them but I'm always told that the have no knowledge of my program or anything they do for senior citizens. I very frustrated dealing with them. Meanwhile, they have refused me to merge my credit cards and they've refused to lower my interest rate and they are charging me at their highest rate of interest!
Consumer complaint received 2023-04-30
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. (NC)

The Credit Bureaus stated that my XXXX account was properly investigated, but how is that possible if the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Last Payment Date is inaccurate, the Account Type is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these is a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XX/XX/XXXX each of these dates is a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights 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.