davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

Dear credit reporting agency Thank you for your response regarding my dispute. While I understand that you are still working on my request, I would like to bring to your attention a specific provision in the consumer credit law that outlines the time frame for responding to disputes and the potential removal of negative marks. 

According to the Fair Credit Reporting Act ( FCRA ), specifically section 611 [ 1681i ], when a consumer files a dispute with a consumer reporting agency, the agency is required to conduct a reasonable reinvestigation within 30 days of receiving the dispute [ [ 1 ] ] ( XXXX XXXX XXXX XXXX XXXX XXXX ). However, there are certain circumstances where the agency must respond within a shorter timeframe. 

In the case of an expedited dispute resolution, if a dispute is resolved by the deletion of the disputed information within 3 business days of receiving notice of the dispute, the agency is not required to comply with the regular 30-day reinvestigation process [ [ XXXX ] ] ( XXXX XXXX XXXX XXXX XXXX XXXX ). This expedited resolution allows for a more efficient removal of inaccurate or incomplete information. 

Additionally, there is a provision in the FCRA that requires the consumer reporting agency to provide prompt notice of the deletion of disputed information to the consumer, either by telephone or in writing, not later than 5 business days after making the deletion [ [ 2 ] ] ( XXXX XXXX XXXX XXXX XXXX XXXX ). This ensures that consumers are informed of the outcome of their dispute in a timely manner. 

Therefore, I kindly request that you adhere to the time frames outlined in the law and promptly complete the reinvestigation of my dispute within the required time frame. Should the disputed information be found to be inaccurate or incomplete, I expect the appropriate deletion to be made and a consumer report based on the corrected information to be provided to me within 5 business days. 

Thank you for your attention to this matter. I look forward to a swift resolution in this matter. 

[ [ 1 ] ] ( XXXX XXXX XXXX XXXX XXXX XXXX ) : FCRA Section 611 [ 1681i ] [ [ 2 ] ] ( XXXX XXXX XXXX XXXX XXXX XXXX  ) : FCRA Section 611 [ 1681i ] [ [ 3 ] ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : FCRA Section 611 [ 1681i ]
Consumer complaint received 2024-06-10
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: CrossCountry Mortgage LLC (AZ)

I am writing this complaint against Cross Country Mortgage in XXXX, WY. My wife and I went through the process to secure a VA loan through Cross Country Mortgage on a property for our next station. Approximately 5 days before closing, I notified the lender of some misinformation in our initial documents. On the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Initial Disclosure it states : XXXX XXXX XXXX XXXX is to be retained as second home. Currently the home is listed for sale at a price of {$420000.00}. The current XXXX estimate of that home as of XX/XX/year> is {$410000.00} which will net us a loss of approximately {$30000.00} with fees included. However, on the VA Form 26-1802a HUD V.A. Addendum the same dwelling is stated as to be sold and has a sales price of {$520000.00}. On the initial disclosure forms they stated that we would be bringing {$75000.00} to closing because of sale of real-estate. The lender told me they were just initial documents, and any error would be corrected before closing. We had also stated the property had a failing radon test, which the builder then corrected by installing a radon mitigation system. However, we never received a passing test. Because of these issues we asked that our loan be withdrawn. Then we received an email saying they could not withdraw our loan until they received a termination of contract from both parties. After further scrutiny of all documents, we then discovered that the well test for the property in question was done against the procedures established by the Department of Veteran Affairs guidance. In this case the builder, took the sample himself, and only tested for lead. In the Department of Veteran Affairs lender handbook Chapter 12 topic 15 and 16 is specifically identifies that the personal well be tested for human consumption and that an uninterested 3rd party must collect and transport the specimen to the testing authority. Further, during the Radon test timeframe, the VA loan appraiser conducted their inspection of the property. As a result, it is difficult to extrapolate real numbers from that test due to the appraiser having to move around the home/basement, open doors, and verify certain minimum property requirements. In theory, that test could have come in much higher. Although it did fail, it does cast doubt on the accuracy of this test. I again emailed our lender and stated that because of this non-compliance, we request that they deny the loan. The loan offer 's response was that her manager and the underwriter are not able to issue a denial letter because the water did not fail the test.
Consumer complaint received 2024-06-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NJ)

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by MIDLAND CREDIT MANAGEMENT, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt.

**Lack of Opportunity to Dispute Debt** Despite being approached by MIDLAND CREDIT MANAGEMENT , regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it. 

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand MIDLAND CREDIT MANAGEMENT, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements. 

**Unlawful Debt Collection Practices in New JerseyXXXX It has come to my attention that MIDLAND CREDIT MANAGEMENT , lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (TX)

Target is reporting on my credit report a credit car I never open whit a different social y ready dispute this account with the credit bureau but when they send the paperwork to target they keep saying that account is mine, but when I called them and I provide the account number that is shown in my credit report, they can give me any information because theyre saying that account is no under my social.
Consumer complaint received 2024-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (NJ)

Loan was moved from XXXX to EdFinancial weeks ago. I have not received any correspondence and can not talk to anyone because I have no account # s and social isnt in their system. I was promised customer service would be better. They are as bad as all the others. This puts undue pressure on the borrower. Things NEED to change or my loan should be released.
Consumer complaint received 2024-05-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (CA)

On XX/XX/year>, a notice of liability and request for explanation was sent to the company regarding alleged unauthorized communications linked to an estate. The company did not respond. On XX/XX/year>, a notice of fault was sent providing a 10-day opportunity to cure by XX/XX/year> by providing the requested information, but the company still did not respond. On XX/XX/year>, a final notice of default and dishonor was sent stating the company 's continuous failure to address the issues raised has caused substantial damages, fees and costs to be incurred by the estate. No specific amounts were provided.
Consumer complaint received 2024-08-29
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)

Ive tried numerous times to get inaccurate information of my consumer reports by reaching out to each of the consumer reporting agencies through certified mail. Also through this CFPB portal. I have many complaints to back this up. Do to my rights as a consumer being violated for FURNISHERS OF INFORMATION UNDER FCRA. I have been denied a XXXX business loan from my bank XXXX XXXX. Ive also had my credit decreased by truist bank from XXXX to XXXX  and my XXXX XXXX XXXX rewards card credit limit decreased from XXXX XXXX to XXXX. Which made my utilization go up and my consumer score go down. So I had to file a I identity theft report. Which you will see in my documents. I will be taking legal actions for this violation. Also I will be sending each of the consumer reporting agencies an arbitration letter. For my rights being violated as a consumer. All of the laws are in my documents also proof of the losses I took from this violation. I ask to remove all accounts that Ive tried to get rid of. DO NOT PUT A FRAUD ALERT ON NONE OF MY CONSUMER REPORTS.
Consumer complaint received 2024-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (WA)

I contacted them XX/XX/2024 asking how to set up my autopay to pay my full loan amount on time, because my account said my autopay wouldn't start until XX/XX/XXXX. Even though I thought autopay was set up to start on XX/XX/XXXX, which was my original payment due date. I was told by them " XXXX  can take XXXX billing cycles to take effect and any attempt to sign up again before the process completes starts it over. You will need to make a manual payment for the amount due on XX/XX/2024 then AutoPay will withdraw your full next month 's payment. '' My autopay  did not withdraw my next months payment on XX/XX/XXXX, like I was told and I got a message saying I had a late payment. I then inquired why my autopay wasn't set up and that I didn't want to be charged interest for this missed payment or marked that I am not making consecutive payments, because I am. I also asked for the autopay discount of XXXX  % to be added to my account. I was told " Our records show that you applied for Auto Pay on XX/XX/2024. Do not repeatedly try to enroll in the program. This will restart the process each time. '' I did not do this, like they said. When I called and asked why my autopay didn't occur on XX/XX/XXXX, when they said it would, they didn't have an answer for me. When I asked what date my autopay would now be, they refused to give me an exact date and just kept saying it would be in XXXX billing cycles and that they would have to check with my bank first. Even though my bank is already linked to them to make a manual payment. When I inquired more that I wanted my autopay to be instated right then, they put me on hold and kept saying " XXXX moment '' for XXXX minutes until I could no longer stay on the phone.
Consumer complaint received 2024-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

Midland Credit Management company has purposely and falsely placed this negative account on my credit reports and the company address listed on my credit report for this company is in XXXX, MI, however, every time I have contacted the number listed, I reach employees in XXXX, who are very rude, smart mouth, argumentative, confrontational, combative, and accusatory. And when you ask them for their name they provide you with an American name, yet the speak with a very heavy XXXX accent, and can not fluently speak or comprehend XXXX. I was informed this account was opened in XXXX  and I live in XXXX. For months I have requested a copy of the credit card application bearing my signature, yet they never provide it. The last telephone contact I have had with this company was today, Friday, XX/XX/XXXX and I spoke to two employees, both from XXXX both provided American names, XXXX XXXX and XXXX XXXX they both were very rude and unprofessional. XXXX refused to escalate my call to a Supervisor and said starting today they have up until 90 days to investigate the matter. I have been fighting this send XX/XX/XXXX. I disputed with all three credit bureaus in XXXX and they have done nothing about it. It is the ONLY negative item on my credit profile and it is has held me up for from making major purchases, which I have needed to make utilizing my credit.
Consumer complaint received 2024-06-07
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: Open Dealer Exchange, LLC (IL)

When I purchased vehicle I approved only ONE time to the dealership to run my credit score, and without my permission they did it multiple times so I have many hard inquires on my credit report. This Happened in XXXX XXXX XXXX XXXX XXXX XXXX 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 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 700CR/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (KS)

I XXXX XXXX XXXX in XX/XX/2023, and have been a little confused with all of the recent actions regarding Biden 's Student Loan Forgiveness and deferred payment programs. My latest understanding is that payments would resume six months after graduation, not to mention I do not remember ever selecting the repayment terms of the loans I received, ( six year, ten year, etc. ). I'm sure I did, at some point, but you forget that information when you don't have to make any payments or pay attention to the loan do to deferred accrual of interest. My loans have changed hands so many times that it is difficult to even remember where to log in to see their status. My biggest concern however, is that since my loans are currently in their " grace period '' where no payment is due, however interest is still being charged, I wish to receive some type of correspondence outlining how much interest is being charged and when the loans started accruing interest again. To Find this information I actually had to do some digging. It seems as if this information is somewhat hidden and the average consumer would have difficulty finding this. In fact, on the " Account Summary '' tab, there are line items referring to " Capitalized Interest, '' which shows all XXXX which seems to suggest that interest is not accruing. The Customer Service Rep simply said that it meant that interest was accruing but {$0.00} of this interest was added to the " principal balance ''. I had to call the company to ask why my balance was rising to figure that out. This seems misleading and I've never had a loan outside of this one, in which the interest that was accruing wasn't clearly shown in some type of statement.
Consumer complaint received 2023-12-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

I paid {$47.00} to my fourth student loan on XX/XX/2023. It was never applied to my account with Edfinancial Services. I emailed Edfinancial Services twice and never received a response. So, I contacted my bank and filed a reversal request. The funds were dispensed to my bank account on XX/XX/2023. I submitted the payment for my fourth student loan again on XX/XX/2023. It was never applied to my student loan account. I called Edfinancial Services on XX/XX/2023. The representative could see my payments in their system but could not tell me why they weren't being applied to my loans. She stated she would contact the financial department but could not provide me with a reference number. I firmly believe Edfinancial Services is stealing from me.
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (CO)

My bank account was levied back in XXXX of 2023 I reached out to you guys about tactics XXXX funding took no written notification no information was provided before they went to extremes. 
I filed a complaint with you about this company they agreed per the letter that they would be willing to work with me payment arrangements when I contacted them per the letter they said they don't have to do payment arrangements I reached out to you guys about the bank not doing what they were supposed to and providing me written notification and that was passed on to someone else I'm still fighting with them to get my funds released. 
The monies in my account are exempt first I get a survivor 's death benefit for the passing of my mother second XXXX XXXX XXXX XXXX XXXX XXXX and third I share account with my son 's dad therefore every one of these count and are exempt status.
Consumer complaint received 2024-03-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: EdFinancial Services (SC)

I requested fraud papers because I did not take out any school loans for XXXX XXXX in GA they told me the loan was taken out in XXXX and I told them I never attended college in XXXX and I did not take out a loan for XXXX. I never received proof or the fraud papers but keep receiving bills saying I am late in payment
Consumer complaint received 2024-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

EdFinancial is not adding the autopayment interest discount to my account. I am currently in the standard repayment plan and have called twice about setting up autopayment, both times I registered, did not receive email confirmation and was told from customer phone support I needed to make a manual payment before the autopayment due date would kick in. I made a manual payment on XX/XX/XXXX waiting for autopayment to occur on XX/XX/XXXX, which did not occur, and called again and was told autopayment was setup and to just make another manual payment. I made another manual payment on XX/XX/XXXX waiting for autopayment to kick on on XX/XX/XXXX, but autopayment did not kick in again. Upon logging in no money was taken from the account and the payment date was changed to XX/XX/XXXX, despite no money being taken from the account and autopay not showing. 
I called for a third time and was told autopayment never was added to my account ( I have added it twice ), they have no record of autopayment signup, and that I needed to sign up again. This time, when I added autopayment, I received an email confirmation ( despite not receiving one the other two times ) and was told it would kick in 30-60 days and I would have to make manual payments again until then. This feels like a runaround to avoid the .25 % interest discount from autopayment as I have signed up and called multiple times and money is never taken automatically from my account.
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (MI)

Recently received my card, made some purchases for my XXXX XXXX XXXX XXXX. Received an email that my statement is ready, clicked on the link and attempted to login, said my password was wrong, I tried to reset it and login, no go. After a co8ple of tries it stated my account was locked. I clear my cache and cookiesx and tried again, nothing. I tried another browser, another computer, still the same thing. I called their " customer support '' and the only thing they managed to do was send my XXXX XXXX into XXXX XXXX XXXX  while " XXXX  '' me stating that my account was not locked!!! 

HOW CAN I PAY MY BILL IF I CAN NOT ACCESS THE SITE? 

I also mentioned that I am an American living with XXXX and asked for an agent with XXXX training, and was just met with silence. 

I thought this was a legitimate bank, the discrimination and rudeness I experienced is unacceptable and now they are going to claim I didn't pay and make me out to be a deadbeat when I can't even login?!?!