davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (FL)

I logged in to get my XXXX  interest statement and found that my 4 payments that have been coming out of my bank account since my loan returned to repayment in XXXX have not been applied to my account which is serviced by Ed Financial on behalf of the Dept of Education. 

So not only is my account showing delinquent for 4 months, they have not applied my payments. When I asked in a chat when it would be fixed I was told due to backlogs this would be a few weeks. So after my next payment is due. 

I was told I should not use autopay. I was not even aware the payments were lost until I went to file my taxes  and wanted the tax statement. So who knows how long this would have remained this way had I not checked. 

They have to know and fix this in a more expeditious manner than saying it could take a couple of weeks is unacceptable when they have had my funds for up to 4 months. 

My account is being mismanaged and its very troublesome since repayment is a big character indicator to other creditors.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

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 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 2024-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NC)

I applied for loan payments to direct deposit in XXXX of XXXX with the expectation that direct deposit would start in XXXX as per Edfinancials website. At the end of XXXX XXXX I found that Edfinancial had never started direct deposit and I was XXXX loan payments behind, and technically 2 months late in payments. I called Edfinancial at the end of XXXX, a representative confirmed that they had record of me applying for direct deposit in XXXX of XXXX and proceeded to inform me that there was a delay in acceptance of direct deposit applications. At no point in time was I notified of this delay, or the possibility that I would have to manually pay my loan every month. At that point in time, I had to pay XXXX unexpected extra loan payments in addition to XXXX payment due to Edfinancials negligence, which I could not reasonably afford. When discussing the problem with an Edfinancial representative they assured me that my application would be approved by the time my next payment was due in XXXX, and upon my next due date I found that my direct deposit was again never put into effect. I feel that this problem is at the very least negligence, if not a deliberate attempt to gain extra interest and late fees from borrowers.
Consumer complaint received 2024-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MA)

I have tried no less than four times to enroll in auto-payment but it isn't working. I keep getting late payment notices and then need to log in and make a manual payment. At one point I was given the excuse that I need to wait a billing period for the changes to stick, and it still didn't work. This is causing an enormous amount of stress. To that end, I have reached out to the company in writing and received no response. Further, my complaint wasn't visible in my sent messages inbox, as if they kept no record of it. Thankfully I have screenshots of my most recent attempt to sign up for auto-payment as well as my attempted written communication to the company. I need to get signed up for auto-payment, and I believe this predatory behavior needs to be addressed on a broad scale because it is probably affecting many more people than me. In fact, I know it is because I've read identical reviews from other people online.
Consumer complaint received 2023-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (NY)

I am writing to express my deep disappointment and frustration regarding the failure to receive the XXXX bonus miles that were promised to me as part of a promotional offer from Barclays US credit card. Despite multiple calls to customer service department and assurances from representatives, I have yet to receive the bonus miles that I was eligible for after hitting a {$3000.00} spending threshold within the first three months of card activity. 

I applied to the Miles and More credit card in XX/XX/2023 that is a card that comes with a costly annual fee and with great anticipation, mainly due to the enticing offer of bonus miles, which were a significant factor in my decision to choose the card over other alternatives. As a loyal customer, I have made every effort to comply with the terms and conditions of the promotion, carefully monitoring my spending activity to ensure I reached the required spending threshold within the specified timeframe. 

I reached out to customer service department 3 times since hitting the threshold and 3 months waiting time period to inquire about the status of my bonus miles. The representatives I spoke to all confirmed that I had indeed met the spending threshold and was eligible for the bonus miles. They assured me that the miles would be credited to my account within a reasonable timeframe. Despite this assurance, the bonus miles have not been reflected in my account to this day. 

Since then, I have made several subsequent call However, no action has been taken to rectify the situation, and the promised miles remain conspicuously absent from my account statement.
Consumer complaint received 2023-06-09
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello Good day, I am writing to dispute the following items on my credit report. I have circled the items in dispute To remove all XXXXXXXX XXXX  INQUIRIES Off my credit report because it was done fraudulently & this in accurate information on my report thats affecting my score
Consumer complaint received 2023-06-09
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. (CA)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXXXXXX 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 XXXXXXXX XXXX, XXXX : XX/XX/XXXX : 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 a account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

I recently pulled all three of my credit reports and noticed that XXXX XXXX attached my bankruptcy to my report without permissible purpose and they have caused me and my family undue burden and stress and have violated 18 U.S. Code 1028A - Aggravated identity theft. I contacted the u.s bankruptcy court in XXXX XXXX and they provided me a letter stating they do not furnish the bankruptcy information to the consumer reporting agencies. I am expecting this to be removed from my reports immediately and the agencies to send me an updated report showing the removal of the bankruptcy.
Consumer complaint received 2023-06-09
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: Experian Information Solutions Inc. (FL)

Ive asked for a full investigation of account XXXX because there were inaccuracies with all 3 bureaus.. I checked my report after the investigation and nothing was corrected. I have attached my latest 3 bureau report I want this account deleted because it is reported inaccurate. Please delete account XXXX from my consumer file immediately. 

15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2023-06-09
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. (FL)

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 USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXX  XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 2023-06-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

I received a lawsuit from Midland stating that I owe them a debt from the original creditor XXXX Bank. The lawsuit included the bill of sale, an affidavit from Midlands legal team, a document from XXXX stating they the documents were accurate. They also included two billing statements absent the transaction history page for me to verify the correct balance owed. I responded to the lawsuit compelling arbitration and to dismiss. Attorneys for Midland then responds stating that arbitration is not mandatory and a suggestion basically. Not only do I not agree with the balance, Im unsure how one part of the contract be binding and another be a suggestion. Midlands attorney then told me that it was my responsibility to initiate arbitration. Ive disputed this balance with XXXX, Midland and the major credit bureaus.
Consumer complaint received 2023-06-09
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. (FL)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Upgrade, Inc. (AZ)

XXXX sent totally inaccurate information to someone I applied for credit through ( Universal Credit ). 
This is what they said : Lack of recent installment loan information. No recent revolving balances. No recent bank/national revolving balances. Length of time accounts have been established.

I had a car loan in the last three years now paid off, a personal loan two and a half years ago now paid off, credit cards balances, a credit line I have had for well over ten years, and credit card [ with a $ XXXX limit ) for over eight years, and a history of decades of consistent on time payments. 
The last time I checked my credit line I was XXXX points shy of hitting the ceiling. 
If I am given the opportunity, I will attach a copy of the credit report I just downloaded from XXXX.
Consumer complaint received 2023-06-09
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. (MA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX  Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX  XXXX. 
Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2023-06-10
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. (GA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim these items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXXXXXX, TN XXXX, XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$720.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NORTHWEST BANCSHARES INC (NY)

I made a deposit in the amount of {$18000.00}. on XX/XX/24. This deposit was from my insurance company XXXX XXXX. Northwest bank placed a hold on MY money for 7 days. I spoke to my insurance company the money has been taken out of their account and cleared. I had one person from the bank tell me I could have access to MY money on XXXX and another person told me I cant withdraw MY money until XXXX. I now am not sure how many more days I have to go with no money. My disclosure from Northwest states a 3-5 day hold unless you have been in the negative or account is not in good standing. My account is and has been in good standing. I fully believe Northwest bank is a XXXX bank and judged me by the XXXX of my skin and the car I was driving ( my sons old pickup truck because my car was totaled in an accident ) when they placed a 7 day hold on the check. I was told it is at the discretion of the bank how long the check is on hold. Northwest has the money from my insurance company and they should not get to hold it and make interest off of it for 7 days.
Consumer complaint received 2023-07-31
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. (NY)

THIS IS NOT MY INQUIRIES PLEASE DELETE THIS. I NEVER AUTHORIZED THIS AND IT IS NOT LINK TO ANY OF MY ACCOUNTS. I HAVE NEVER APPLIED UNDER THOSE INQUIRIES
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/2023, I connected with a person on XXXX XXXX ( of which we have mutual friends ) that posted that they were selling XXXX XXXX tickets for the night of XX/XX/XXXX. The tickets were agreed upon at {$270.00} a piece and were to be transferred via XXXX from one account to mine with associated email and phone number. On XX/XX/XXXX and XX/XX/XXXX, in installments, I sent a total of {$720.00} to two XXXX accounts, as indicated by the person I was in contact with. The person indicated they had sent me the tickets, but I never received them. The person indicated they would contact customer service to resolve the issue. After not responding in XXXX for a whole day, on XX/XX/XXXX, the person confirmed my phone number and email and then blocked me on XXXX. On XX/XX/XXXX, I reported the accounts as a scam to XXXX. XXXX indicated they would not be able to return the funds. I requested the funds back from the person 's account through XXXX, but the requests were denied. I filed a debit dispute with Citizens Bank on XX/XX/XXXX. I provided the information I was asked for over the phone. On XX/XX/XXXX, I received a notice in the mail from Citizens asking for more information and any evidential documentation. I emailed these items to Citizens debit disputes that same day. Dated XX/XX/XXXX and received on XX/XX/XXXX, Citizens Bank reported that they have closed the investigation, as no error occurred and I should try to resolve the issue with the person. I had tried to do so prior to contacting Citizens. An error has occurred, as I did not receive the goods as promised, the person has declined my requests and has blocked my ability to further contact them.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.