davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (DC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX Balance Owed : {$950.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (TX)

In XXXX, I requested a refund of student loan payments I had made using the CARES act. This total was above XXXX USD. The department of education took too long to deliver this check and due to this they ended up sending my check to an old address. 

Since I did not receive the check, I called Ed financial ( my student loan servicer ) and requested that they re send the check in XX/XX/XXXX. They have yet to process this request. 

Additionally, student loan interest resumed in XXXX of XXXX. I need to receive the check from ed financial to repay the balance on my loan so that I do not accrue interest. If I accrue interest, it is due to the the neglect on the side of Ed Financial and the Department of Education. 

When I informed them of the situation, Ed Financial claimed that they put my request in emergency status in late XX/XX/XXXX. However, when I called back on XX/XX/XXXX, I was informed that my request was not in emergency status. When I requested more information on whether I will have to pay interest on my remaining loan balance even though Ed Financial has failed to send me the refund check, they hung up on me. 

Each time I call Ed Financial regarding this situation, I get conflicting and different information. 


I paid down the balance on my loan so that the only remaining amount is the same as the amount owed to me by Ed Financial/Department of Education .

I believe it is unethical, unfair and even predatory for Ed Financial and the Department Of Education to delay sending me my refund check, while also charging me interest on my loan balance which would have been paid off completely had they sent me my refund check already.
Consumer complaint received 2023-11-17
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)

Ahead of repayment resuming in XXXX, I applied for a SAVE plan for my loans in XXXX which estimated that my repayment would be around {$300.00}. Edfinancial denied my application at that time " because my loan was not in repayment, '' and I had to hunt the correspondence that informed me of that decision down on their website ( which took some digging because they didn't inform me of that decision via email or anything at all ). I was only trying to get ahead of payments prior to them resuming. When they posted my payment in XXXX, they made the payment due by XX/XX/XXXX and the amount was roughly {$2400.00}. I immediately reached out to Edfinancial and also resubmitted my SAVE application ( again estimating that my repayment would be around {$300.00} ) because I would not be able to afford that payment. I inquired about why my payment was due in XXXX when repayment was supposed to begin in XXXX as well. The company did not reach back out to me until XX/XX/XXXX when they called to inform me that the application that I submitted in XXXX had been denied. The company had no idea that I had already re-submitted the application AND by that time, they had already posted payment due in XXXX, so the total payment that they were requesting from me was roughly {$4800.00}. The nice woman on the phone suggested that I just wait the application out since not paying will not affect my credit for the first year, which was nice to know, but not helpful in addressing the situation. When someone finally responded to my inquiry about payment resuming prior to XXXX, Edfinancial had already sent me an 11 day delinquency notice and adjusted the due dates to reflect payment due by XX/XX/XXXX and XX/XX/XXXX respectively. 

When they finally processed my SAVE application ( which they never told me anything about ), my account reflected that I would owe nothing for XXXX or XXXX. Except now, they're requesting that I pay {$2200.00} by XX/XX/XXXX when my SAVE application on XXXX says that I should be paying {$210.00}. This is a major discrepancy ibn payment that I can not afford with no correspondence from Edfinancial.
Consumer complaint received 2023-09-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services (GA)

I am trying to get forgiveness my loans are well over XXXX XXXX XXXX. I filed bankruptcy because the balances were so high and was told to consolidate and apply for XXXX which I did before XXXX. Payment amount was still more than I could afford than and even more now.. I spoke to the new servicer in XXXX and was told I would be able to make monthly payment of around $ XXXX and would received information in the mail regarding this. For past few months I have tried to log on the site and was unable to due system changes/upgrades. On Friday of last week I received a email stating that my loans would resume and the monthly payment amount would be $ XXXX. Of course I can not afford that amount. The following day ( Saturday ) I received 2 additional emails stating that I was past due and that payments of two different amounts was past due as of XX/XX/XXXX. Monday morning first thing I called and received a recording that the wait times were extremely long ( XXXX XXXX XXXX ). I left information for a callback 2 days later I received a callback but was quickly disconnect. So I called again and same message wait time ( XXXX + hours ) Left information for a callback and as of today have not received a call.
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (CA)

My complaint is against Barclays Bank account # # XXXX, date openXX/XX/2018, status open. I open an account with the mentioned company on XX/XX/2018 for some XXXX items and the card has a credit limit of {$2500.00}. On XX/XX/XXXX I had a balance of {$1700.00} on XX/XX/XXXX I had a balance of {$1700.00}, on XX/XX/XXXX I made a payment of {$1000.00} leaving a balance of {$790.00}, on XX/XX/XXXX a had a balance of {$820.00}, on XX/XX/XXXX I made a payment of {$820.00} leaving account in {$0.00} balance, not even imagining that Barclays Bank was going to report to credit bureaus a late payment for the amount of {$27.00} on XX/XX/XXXX of 2018. There was also no notice that I'd be reported to credit bureau or anything, just what seemed like 3 silent months of late fees racked on while I sat around thinking balance was {$0.00} the whole time. Just the fact that I was not notice of late payment insertion to credit bureaus is a violation to the California Reporting Act. Any reasonable business would not report a late payment of {$27.00} ( which I had no idea they even existed ) knowing that I have a {$2500.00} limit credit card in {$0.00} balance. Do you really think that I wouldnt have paid those {$27.00} knowing that I had to? This is business/tort and unfair business practice and I want my financial freedom back and Im not planning to be tied up because of a banks mistake. I do not have any other complaint against Barclays Bank and would like to continue making business with them, all I want is to remove that late payment which should not be there in the first place. Im attaching a copy of my account in my XX/XX/XXXX report so Barclays bank can see their mistake and fix it as soon as possible. I have a {$300000.00} home loan pending for this mistake so please lets avoid legal actions here. I would also like to be provided with a deletion letter from Barclayss bank through CFPB portal. Im also attaching an unfiled SC-100 that I will file in the event that negative mark remains in my reports. Thank you!
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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. 

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 2024-06-08
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. (NY)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX Balance : {$580.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$990.00} XXXX  XXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$7700.00} XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-06-08
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. (FL)

XXXX AND XXXX XXXX, XXXX ARE FRAUDULENT ACCOUNTS REPORTING ON MY EXPERIAN AND XXXX CREDIT REPORTS, THE CREDIT BUREAUS WAS NOTIFIED OF THE FRAUD BEING REPORTED ALREADY.
Consumer complaint received 2024-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

I dont have a PNC account and got this. Its a scam. : PNC-AIerts : New Payee Added to the account. If this was not initiated by you, please fix it at XXXX XXXX XXXXpnc.com before account suspension.
Consumer complaint received 2024-06-08
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. (LA)

On XXXX I submitted a complaint to this company via CFPB complaint XXXX XXXX XXXX XXXX XXXX. This company is reporting inaccurate information on my consumer report, which is impacting my life negatively. XXXX has deleted XXXX XXXX XXXX from my consumer report and in accordance with the FCRA there must be accuracy and fairness in credit reporting ( 15 USC 1681a ) ; this can be verified via CFPB complaint XXXX XXXX This item is lawfully required to be removed from ALL of my consumer reports! Expediously! Also, this is in violation of my rights via the Privacy Act of 1974 ( 5 USC 552a ).
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb.

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed.

They are not in compliance with the following law.

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

My account with XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

SBNASELF LENDER - 1763 Never Sent the periodic statement along with the disclosures from section 16
37 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX  Account # XXXX
Consumer complaint received 2024-06-08
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. (TX)

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb.

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed.

They are not in compliance with the following law.

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2024-06-08
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. (TX)

I am asserting my right to dispute and investigate these incorrectly reported accounts on my credit file. As per the Fair Credit Reporting Act, I should receive {$1000.00} for each erroneous report. I know that FCRA 605B obliges us to report any incorrect information on a consumer 's report.
Consumer complaint received 2024-06-08
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)

Request for Validate of Debt / Verification of debt Mail out USPS First class mailed : XX/XX/XXXX Received USPS First Class mail : XX/XX/XXXX Credit bureaus are non-compliance with my request as per law. I requested information via mail. No response. I also mailed out reinvestigation and it hasn't been accepted nor acknowledged. 
This information isn't correct. It's considered an error and is fraud. 
I attached multiple verification of identity to these letters and I also called with no action done or response. 

Please help.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-12-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services (IN)

Court order from Sweet v. Cardona that all loans be discharged under court settlement. Edfinicial has yet to comply with court order even though they have sent me documents showing they received verification from Dept of Education the approval to do so. But on XX/XX/ it shows that all loans were paid in full as few days later added the loans back under pretext that as consolidated loans which i did not authorize. This has affect my credit score from not able to buy a home or even invest in my future
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX 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.Section States : no consumer 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.