davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

Bad customer service due to closing my discover card account for no wrong doing of any kind A credit check was ran after having this account with discover for over a year Two to three credit line increases, with an excellent payment history XXXX balance at the time discover closed my account A credit limit of {$5900.00} Discover states negative items appeared of credit file and without calling me they closed my account They never verified if negative info was true Or if my identity had been stolen Or if someone else credit file merged with mine
Consumer complaint received 2017-07-21
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. (PA)

XXXX XXXX XXXX, XXXX. Pa XXXX I never lived at this address ( XXXX ) XXXX, ( XXXX ) XXXX are not my residential phone numbers. Remove XXXX name from my report as well.
Consumer complaint received 2024-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (WA)

I still have not recieved a refund check in the ammount close to XXXX. Recieved refund for XXXX back in XX/XX/2023 for second, smaller loan. Followed up in XX/XX/2023 about refund, was told they would have to " investigate '' and it could take XXXX days. 90 days later, I continue to get the run around from XXXX. Unable to reach a supervisor or the " finance '' dept, whom supposedly is " investigating. Get a different answer every time I call or text message. XXXX blames Dept of Education, tells you to contact them, and US Dept. of Education states it is the loan servicer that has not communicated the refund to them.
Consumer complaint received 2024-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (OH)

I have made two large payments toward my student loans. The first payment was XXXX dollars on XX/XX/XXXX. The second being XXXX dollars on XX/XX/XXXX. 

I made these payments to pay off my unsubsidized student loans that were starting to accrue interest as of XX/XX/XXXX. 

Sometime after the second payment was made, I went to my account to see if the money had been allocated correctly. To my surprise, no transaction history was made visible on my account. After calling, they said I was not able to see this information because my account was still in an in school status. 

On the same phone call, I asked what payments they had on record. They listed out payments of XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. They listed these as the only payments I have made despite me recieving email confirmation that my payments were of XXXX and XXXX respectively. Additionally, my bank statements show XXXX and XXXX dollar payments to EdFinancial. 

I am now seeking that the money I had put toward my student loans be rightfully asserted toward the loans, and any residual interest that was accrued as a result of this mishandeling be removed.
Consumer complaint received 2024-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

In XX/XX/year>, I requested the refund of student loan payments made during the XXXX pandemic from my loan servicer, EdFinancial. In XXXX, EdFinancial confirmed that my requested refund had been approved and would be disbursed within 60 days. Since then, I have yet to receive any refund or update as to the processing of this request. I have been sent back and forth between EdFinancial, XXXX, and the Treasury as to which entity should be able to provide clarity. Most recently, the Treasury told me to contact the Dept. of Ed directly for assistance. Upon calling the Dept. of Ed, I was told to reach out to the Treasury again. 

It has been over six months since I was approved for the refund of these payments, I have yet to receive the refund. I can not afford my since-restarted payments without the refunded payments, and I am now accruing interest based on the delays caused.
Consumer complaint received 2024-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (MA)

My online account with Edfinancial says that I owe {$0.00} and I do not have a due date. They have not sent me any statements in the mail or published any statements online for me. 

I have recieved pdfs with my monthly payment amounts stated directly in the inbox controlled by the US dept of education. This inbox link is buried deep in the Edfinancial site and is hard to navigate to. Edfinancial has sent me no instructions on this, I found it on my own. My Edfinancial web portal has not been updated to reflect any of this information within the pdfs. I have been making manual payments based on the PDF info, but the web portal still reflects no due dates and a due amount of {$0.00}. This feels misleading. 

I have not recieved any formal payment reciepts from Edfinancial, and I am unable to properly print my payment history ( all that shows up in the print function is the date and total payment, not which loan it was applied to ).
Consumer complaint received 2024-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (MA)

I previously filed CFPB complaint XXXX. The company never responded. 
I have requested multiple times the calculations used by EdFinancial to arrive at my monthly payments. EdFinancial refuses to provide this information after months of inquiries by telephone, chat, and email. 
EdFinancial is completely non responsive.
Consumer complaint received 2024-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MD)

EdFinancial Services will not resolve issue of account showing a negative balance ( overpayment ) which should be applied to a second loan amount. XXXX customer services continues to log this issue, but won't provide any timeline for resolution. 

While the call center personnel are polite, all they seem to be able to do is update a case. 

The overall concern is that EdFinancial continues to charge interest on money we do not owe since they will not/ have not applied to payment to the outstanding balance. This issue have been ongoing for ~60 days now.
Consumer complaint received 2024-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NJ)

I have been attempting to pay back my student loans with EdFinancial, however they have reversed every payment I have ever attempted to make. In the last 4 months, they have reversed all 4 payments I have attempted, including my recent payment in full. With each occurence, the payment has been processed and completed, but immediately afterwards is reversed with no explanation. I have checked multiple times to ensure the account numbers are correct, as well as with my bank to make sure the payments were not denied on their end. Since this has been a reoccurring issue and I have found many others with similar complaints, I believe this may be a case of Edfinancial acting in bad faith for additional interest collections. I appreciate any help that can be provided in this matter.
Consumer complaint received 2023-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (NJ)

I'm trying to reach my loan servicer regarding my student loan but I can't seem to get through to them. I have emailed them through their portal and no one has responded to my email. I have tried calling them several times and the hold times are extremely long. Today I was on hold for a live agent for more than an hour and as the agent connected the only thing was able to provide the agent was the information to access my account, then the call disconnected. I tried to call back but the hold time were estimated at over 200 minutes. Before today, I used their call back feature only to have them call me back with no one on the line and the live chat has been down for weeks. I am not able to reach them at all.
Consumer complaint received 2024-06-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (SC)

In XXXX I was released of ALL my student loans under the public service act according to XXXX. I have a letter stating ALL my loans were satisfied and I owe nothing. In XXXX when my husband died EdFinancial started coming after me for {$9000.00}. I called them and wrote them letters stating all my loans were forgiven in XXXX. They said if I found the letter releasing me of the loans they would leave me alone. I had a fire so it took a couple of months to locate the letter but I did find it finally. They NOW say my loans werent eligible for this forgiveness which is a lie. They are harassing me via email and several letters. They are threatening my credit. They claim I made a {$160.00} pymt which I HAVE NOT! They are stressing me out! I am on a fixed retirement income and can not pay a loan I dont owe! They are getting meaner and more threatening. PLEASE help me!
Consumer complaint received 2024-09-09
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. (TX)

I recently received a letter in the email that due to a recent data breach my social security and personal information has been leaked. When I reviewed my credit profile I noticed that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were added onto my credit profile in a direct reflection of this data breach my personal information was leaked.
Consumer complaint received 2024-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have noticed the original creditors, XXXX, Equifax & XXXX several times that the following accounts do not belong to me : DEPARTMENT OF EDUCATIONXXXX XXXX XXXX XXXXXXXX XXXX XXXX I have not in any way received goods or services from these companies and I have provided my police reports, my FTC ID Theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to the original creditors, XXXX, Equifax XXXX XXXX.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-04
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. (NJ)

Im deeply upset to discover unauthorized inquiries on my credit report this afternoon, and I cant figure out why. I routinely check my credit report, but this time, unexpected discrepancies appeared. Even after refreshing the browser, hoping it was just a glitch, the inquiries remained. I urge you to thoroughly review the documents Ive provided so I can finally put this concern to rest.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to formally notify you that I am a victim of a data breach, resulting in fraudulent accounts appearing on my credit report. I request that the following accounts be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
XXXX Accounts : XXXX. XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, XXXX : {$1400.00} XXXX. XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, XXXX : {$2700.00} XXXX. XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, XXXX : {$4400.00} XXXX. XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, XXXX : {$8200.00} XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, XXXX : {$11000.00} XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, XXXX : {$25000.00} XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX, Opened on XX/XX/XXXX, XXXX : {$7900.00}
Consumer complaint received 2024-11-19
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: ResidentCollect, Inc. (TX)

I contacted the company Innovative Recovery INC on XX/XX/year>, at XXXXXXXX XXXX, and the debt collector was very rude, I requested a verification of debt and to lift the debt from my credit report so that I can prove I don't owe them, and he hung the phone up in my face. When I called back, he would just hold the phone and hang up.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to inform you that I have been a victim of a data breach and identity theft. As a result, several fraudulent accounts and inquiries have been added to my credit report without my knowledge or consent. I am requesting, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), that you block and delete these accounts and inquiries from my credit file immediately.Below are the fraudulent accounts I am requesting to be blocked and deleted : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear CFPB Representatives : I am writing to file a formal complaint under 15 USC 1681, the Fair Credit Reporting Act ( FCRA ), regarding an account that appears incorrectly on my credit report. The account in question is closed and was reported by the creditor Credit Acpt ( account number : XXXX ). 

Below are the specific issues I have identified : XXXX. Incorrect information in all three bureaus : The account in question contains errors in all three major credit bureaus ( XXXX, XXXX, and TransUnion ). Despite the account being closed, the reported data contains inaccurate and misleading information that is negatively affecting my credit score.

2. Violation of 15 USC 1681 : Under the FCRA, consumers have the right to accurate and fair credit reports. By failing to correct these errors despite my previous attempts to resolve the situation directly with the creditor and the bureaus, my right to an error-free credit report is being violated.

I request that the CFPB take the following actions : * Investigation and Removal : Conduct a full investigation of the errors mentioned and order the removal of this account from my credit report at all three bureaus ( XXXX, XXXX, and TransUnion ). 
* Notification of Results : Provide written notification of the results of the investigation and corrective actions taken. 

I appreciate your prompt attention to this matter and look forward to a favorable resolution that meets the requirements of the FCRA. 

Sincerely,
Consumer complaint received 2024-10-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: FORD MOTOR CREDIT CO. (FL)

I came forth as the Investor in the way of a Consumer Credit Transaction for a Ford Truck on XX/XX/year> I submitted my Principal ( Security As Collateral ) on the application at FORD MOTOR CREDIT COMPANY and got Denied an extension of my principal credit which should have never happened. I sent the Tender of Payment out to the CFO of FORD MOTOR CREDIT COMPANY to be attached with the application that was submitted on XX/XX/year> with no response from FORD MOTOR CREDIT COMPANY or action its now XX/XX/year> which Im very unhappy with this service they are providing and mismanagement. This is unfair and Inaccurate I should have never been denied an extension of my Principal Credit. I Have Full Capacity To Contract.
Consumer complaint received 2023-10-10
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)

I suspect these accounts are the product of identity theft : XXXX XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$170.00}
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I couldnt believe it when I saw incorrect accounts on my credit report this morning, and I have no idea how this even happened. I check my report regularly, and suddenly these discrepancies appeared out of thin air. I tried refreshing the page, thinking it might be a browser issue, but nothing was fixed. The inaccurate information stayed right where it was. Im really upset, and I need the documents Ive submitted to be reviewed closely so I can stop worrying about this problem forever.
Consumer complaint received 2024-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (WI)

Creedence resource management. A collection firm is stating I owe {$2700.00} from debt in regards to XXXX. I never have used this company. Possibly identify theft. This is not my debt.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NC)

I would like to bring to your attention a matter concerning the return of my leased vehicle to XXXX in XXXX. Upon returning the vehicle, I was informed that I would receive further communication from Ally regarding the next steps, but I only received limited information at that time. Subsequently, there was a significant delay in communication from Ally, prompting me to initiate a follow-up call to clarify my situation. 
During this period, my Ally account consistently indicated that the balance was " unavailable, '' and I did not receive any written statement of an outstanding payment. When I spoke with an Ally representative, I was informed of the balance over the phone and was offered a payment plan of {$50.00} per month. I also asked them to set up auto-payments which TWO different representatives said they would from there end since there were no options on my end AND no monthly payment option on the site although we agreed to one. 

Despite my efforts to maintain regular payments, I encountered inconsistent advice regarding the status of my account.I manually submitted once we agreed on the {$50.00} payment, as I was reassured by various representatives that this arrangement was acceptable. However, I was recently surprised to discover a negative impact on my credit report due to this account being referred to collections. 
When I reached out to Ally for clarification on this matter, I was informed that the $ 50 monthly payment was merely a courtesy and that I was expected to pay the full amount in a single payment. This information contradicts the prior guidance I received, and I was never notified of this requirement, nor did I receive any formal communication regarding the closure of my account or its referral to collections. I have not received any notices at my addresses, which adds to my confusion. 
I also requested any documentation from Ally substantiating their communications regarding my payment obligations but was informed that I needed to contact XXXX instead. Regrettably, my attempts to reach XXXX have been unproductive, as I have been disconnected multiple times during the calls. 
Given these ongoing discrepancies and the lack of clear communication, I would greatly appreciate your guidance on the next steps I should take to resolve this matter. It is imperative that I receive accurate information and written documentation concerning my account and any outstanding obligations. The conflicting responses from different representatives have made it challenging to navigate this situation. 
Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance in resolving this issue.