davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NY)

I had a payment of {$310.00} due on XX/XX/2024 to the servicer of my Direct Unsubsidized Federal Student Loan, Edfinancial Services. 

On Thursday, XX/XX/2024, I authorized this payment ( {$310.00}, to be deducted from the same checking account from which I've made all previous payments to Edfinancial Services ). The company acknowledged my payment with a confirmation email on Thursday, XX/XX/2024, which confirmed Payment Confirmation # XXXX was submitted on Thursday, XX/XX/2024, XXXX : {$310.00}. 

On Sunday, XX/XX/2024, I received a message from Edfinancial Services informing me that my last scheduled payment ( due XX/XX/2024 ) " has not been received, and your account is now 3 or more days past due. '' I then checked my bank account and saw that 1 ) since XX/XX/2024, the balance has remained more than sufficient for the authorized amount to go through, XXXX ) my bank account authorized the payment of {$310.00} on Monday XX/XX/2024 at XXXX EST. 

I then contacted Edfinancial Services about this matter via their live customer service support chat on XX/XX/2024 at approximately XXXX EST. The agent, XXXX, first told me that my most recent payment has not been submitted and that I last paid {$310.00}. I told them " you just said 2 different things '' and provided the Edfinancial Services payment confirmation # reflecting that I had made my most recent payment on time and in full. She said it will take 2-4 business days for the payment to be reflected ; I told her that's fine but that my account should not show as past due and that I was concerned that this has impacted my credit score. I also told them that if the company needs the payment to be made earlier to allow for their processing times, then the due date should reflect this or they should otherwise communicate and highlight it to the borrower clearly. XXXX repeated that the payment sometimes takes 2-4 business days to post and when I repeated that I was concerned about my credit score, they said " Your credit score will not be negative impacted. '' I asked how they know that, and told them I would escalate this complaint as their replies were not helpful, and that I had documentation of everything I was currently describing. XXXX then promptly disconnected the chat without further response. I was not provided with any record of the conversation. 

I have previously authorized payments to Edfinancial Services on the due date and have not experienced this issue. For example, on Monday, XX/XX/2024, I authorized a payment for Amount : {$250.00} ( the amount then due ), which was due on XX/XX/2024, and confirmed via Payment Confirmation # : XXXX. My bank account reflects that that payment was authorized on Tuesday, XX/XX/2024 at XXXX XXXX  EST. Edfinancial Services reflected this payment as on time and I did not experience the issue I am currently experiencing for the XXXX payment.
Consumer complaint received 2024-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

Payment Confirmation XXXX XXXX XXXX Amount XXXX  {$1300.00} Scheduled for XXXX XX/XX/XXXX XXXX Confirmation XXXX XXXX  XXXX Amount  : {$1000.00} Scheduled for : XX/XX/XXXX XXXX XXXX A XX/XX/XXXX {$750.00} XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX {$660.00} XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX {$200.00} XX/XX/XXXX These are all my loan payments, and I believe most, if not all, have been applied.
Consumer complaint received 2024-04-11
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 (NJ)

I never received any disclosed information about this account reporting to such third parties such as XXXX, XXXX, and XXXX. This should have been conspicuously disclosed to me before reporting my non-public personal information to an unaffiliated third party ( XXXX, XXXX, & XXXX ). I understand I have an obligation to pay on this account, but I do not want my personal nonpublic information displayed to third party consumers.

VIOLATED 1681B- NO WRITTEN INSTRUCTIONS!!!

I do not mean to come off strong, I am just exercising my rights to OPT OUT of having my information reported per 15 USC 6802. Could you please either send my disclosures showing my written permission to display my personal nonpublic information to these third parties or delete all XXXX different ED FINANCIAL SERVICES ACCOUNTS with this company from my consumer report?
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

Complaining about American Express scam late fee from me XXXX had been 11 years card member of American Express XXXX AE ), and always make payment on time *Since I did not realized there were few purchase amount from my XXXX account were charged to this AE card *There was a purchase {$21.00} due on XX/XX/XXXX, and plus another {$14.00} purchase later, so there was total of {$35.00} purchase amount due on XX/XX/XXXX *When XXXX realized this accident purchase charges, I made the payment to pay off all due and not due yet purchase amount and plus interest charge on XX/XX/XXXX at the total of {$70.00} XXXX called in right after I paid off all the amount and was promised that the late fee will be waived *But on XX/XX/XXXX, I found out AE did not waive my late fee charge and continued to charge me late fee on late fee plus interest * So I called AE 5 times on XXXX requesting to solving this problem, but nothing happen, then I requested to close my account on XX/XX/XXXX, and called to close my another AE Card later XXXX had been charged late fee on late fee plus interest every month even I did not own AE any XXXX since XX/XX/XXXX *Because of {$35.00} purchase amount due on XX/XX/XXXX and was paid on XX/XX/XXXX already, by XX/XX/XXXX the total of late fee & interest is {$350.00} XXXX XX/XX/XXXX the total of late fee & interest is {$350.00}, COULD NOT BELEVE AE SCAM THEIR CUSTOMER BY LATE FEE CHARGE EVEN I DID NOT OWN THEM ANY XXXX * instead of solving the problem, AE called me every day from XX/XX/XXXX to XX/XX/XXXX to harassed me every day for almost XXXX months * instead of taking care of my complaints and solving the problem, they forwarded these ridiculous late fee charges to collection XXXX Systems XXXX ( XXXX ) on XXXX XXXX contacted XXXX XXXX XX/XX/XXXX to dispute these ridiculous late fee charges, XXXX told by XXXX an investigation case would be open for this dispute *then I XXXX a letter from AE dated XX/XX/XXXX for this dispute investigation ( reference number : XXXX ) was open, and will try to resolve in less than 30 days *BUT AT THE SAME TIME AE REPORED TO CREDIT BUREAU, MY CREDIT SCORES WAS LOWER DOWN XXXX POINTS ON XX/XX/XXXX XXXX XXXX AE to correct their wrong reporting to credit bureau to fix my credit scores, but I had been told the only XXXX XXXX will fix my XXXX XXXX is to pay all the late fee charges they scam from XXXX called on XX/XX/XXXX, XXXX XXXX answered my phone, Refernce # XXXX
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damag

ing my credit score and financial reputation. The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-09-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCS Financial Services, Inc. (WA)

The original company sold my debt to another company without properly notifying me.There has been a breach in XXXX and my social security number was compromised.I would like XXXX XXXX XXXX XXXX To remove this false debt from my credit report and to report to the company that has the promissary agreement to cancel the agreement due to arbitration.1681 15 USC
Consumer complaint received 2024-09-26
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CCS Financial Services, Inc. (TX)

Pursuant to the Federal Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under Federal law.

If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the Texas State Attorney Generals Office and the Federal Trade Commission.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (CA)

This company : Credit Collection Services XXXX XXXX XXXX XXXX XXXX MA. XXXX phone XXXX has attached a debt to me of which I have denied paying them, simply because I have never done business with this company. This company is fraudulently attempting to collect money from me. I have never signed any contracts with this company. I do not owe this company any money or services. On my credit report they are listed as the original creditor. This is not only fraudulent to report, its not facts. I have notified them I will not pay this illegally charged debt and I request for them to cease and desist all attempts to collect and reporting onto all three credit bureaus, XXXX, XXXX, and XXXX. The Alleged amount owed is {$420.00}. Back in XXXX  I informed them of no such debt or contract and to stop harassing me. This company has mailed me letters and reported this debt as a negative onto my credit reports. This has greatly impacted my ability to handle certain business and daily life.
Consumer complaint received 2024-11-20
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-19
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-24
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

My wife is XXXX from XXXX XXXX. We had to move to get her proper care for her illness. We told XXXX XXXX  this and they could not have cared any less. We compelled them to wave the extra fees as the move was a medical emergency. Columbia XXXX XXXX were extremely heartless as I tried to explain to them our situation to no avail. We had to move in with family as my wifes medical bills are extremely high. We are in no position to pay fees to a heartless company.
Consumer complaint received 2024-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (VA)

I have had a PayPal account for many, many years ( I opened the account some time between XXXX XXXX XXXX XXXX. Only recently I downloaded the app on my phone for the first time. I was using the app for the first time to try and pay a vendor, clicked maybe 2 or 3 buttons, and accidentally applied for a credit card. It was far, far too easy to accidentally apply for a credit card by just clicking through a few buttons on the very first screen that popped up on the app while using the app for the first time. While the credit card application was processing ( which took less than 30 seconds ), there was nowhere to click " cancel. '' I never filled out an application form or signed anything stating that I agreed to apply for a credit card with PayPal. The app asked for my SSN but I figured it was because I was traveling outside of the United States, it was the first time I was using the app, and PayPal wanted to verify my identity. PayPal has provided no contact information in their app, their website, or the emails they've sent me verifying that I've applied for a PayPal credit card. There has been no way for me to cancel this card. I have no idea who to speak with at PayPal as there's no contact info anywhere. I do not want this credit card, I never wanted this credit card, I do not want a credit score hit for applying for this credit card, and I want mention of this credit card removed from my credit history. I am traveling outside of the United States for the next month and not home to receive the credit card being mailed to me.
Consumer complaint received 2024-10-07
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

Lowes Credit Card Servicing by SYNCHRONY BANK looks they are creating a Fee when they send by mail the monthly Statement creating an extra expense to the consumer as myself, I contacted them the last XX/XX/year> to have remove complete this {$1.00} fee of the Monthly Statement At that time its customer service representative informed me they would take care of it. Now receiving the monthly statement for the Month of XXXX They still charge me the PAPER STATEMENT FEE of {$1.00} I called them today I spoke with Representative name XXXX  whom informed me she can't remove the Fee because They did it last XXXX, I requested to speak with a Manager This representative put me on hold for more than 20 minutes and none came up to the line to assist me, I informed her I never I received any changes on the store credit card policies about this extra fee. 
Besides I informed her I do have another Stores Credit Card servicing by the same bank and they don't Charge any fee in regards PAPER STATEMENT FEE. 
So for me this type of practice should be consider Abusive and illegal, The CFPB Should look into this Bank Discriminatory Business Practice
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I demanded a cease-and-desist and opted out of credit reporting to XXXX. I received a letter as confirmation that XXXX has removed my name and address from their solicitation lists so they honored my request but did not remove my information and stop reporting to third parties my information still appears on the three credit bureau, XXXX XXXX Equifax and XXXX. XXXX has now implicated The three credit bureaus as parties is still reporting to these third parties after the cease-and-desist they said they honored. Whether unknowingly or not, this is a violation of the FCRA and XXXX has implicated the three credit bureaus, XXXX XXXX, Equifax, and XXXX in this violation now.
Consumer complaint received 2024-09-27
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. (NJ)

I am reaching out for your help concerning this misleading account reported on my credit report. This issue has caused damage to my reputation, and I need your intervention. Your mishandling of my credit report has left me feeling vulnerable, as this misinformation has destroyed my reputation. It is necessary to remove this incorrect information from my credit report.
Consumer complaint received 2024-09-27
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. (NY)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 Here I attach, along with the dispute, my fraud report that I just sent to experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Consumer complaint received 2024-09-21
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TX)

The original creditor, XXXX XXXXXXXX XXXX  never notified me about this debt. They are in violation of the Fair Debt Collection Practices Act. They did not send me any correspondence to inform me of this debt before it was sent to collections which has hurt my credit. XXXX XXXXXXXX XXXX received their keys in XXXX and this collection account was opened in XXXX. There was not enough time to notify me of debt, receive a response from me and then send me to collections. The debt collectors acting on their behalf should provide proof that I was notified of debt by original creditors and show proof of their collection efforts before this was sent to collections and reported to credit bureaus.
Consumer complaint received 2024-09-18
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. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX : Bankruptcy Reference Number XXXX
Consumer complaint received 2024-08-14
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)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.Discharged XXXX XXXX XXXX XXXX XXXX XXXX