davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (NY)

In late XXXXXXXX XXXX XXXX, I was applying for a new car at my home bank. When they did a hard pull on my credit, they told me that student loans at EDFINANCIAL were on there twice, each for {$84000.00}. 
We had consolidated that {$84000.00} with XXXX in XXXX of XXXX. The XXXX amount of {$84000.00} is also on there. It appears that I have a student loan debt of {$310.00}, XXXX, when in reality I have a student loan debt of {$140000.00}. EDFINANCIAL never removed the debt after the consolidation with XXXX in XXXXXXXX XXXX XXXX 
In XXXX I called EdFinancial and when I started to tell the representative XXXX XXXXXXXX XXXX  about my issue with my credit report, she interrupted me and said " It is not our fault, it is the fault of the Credit reporting companies. '' She explained that the same thing had happened to her and I need to file a dispute with XXXX. She said there was nothing, no accounts, listed on her records at EDFINANCIAL under my name or of my husband 's. I am the co-signer. 
I then called XXXX and talked to XXXX about the situation. He first said that I am about the XXXX person this week to complain about EDFINANCIAL. He filed the complaint for me. 
I received a result in XXXX XXXX saying the the dispute was completed and information was correct. But it is NOT! 
As I am writing this on XXXXXXXX XXXX EDFINANCIAL is listed on my credit report with amounts of {$84.00}, XXXX twice! 
I have enough student debt for our sons, without adding another {$160000.00}. This information is ruining my credit score. 
I am asking CFPB to demand that EDFINANCIAL removes this incorrect information from my credit report as soon as possible. It seems that these companies are above the law. 
Thank you for your understanding and help.
Consumer complaint received 2023-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (NJ)

The federal student loan website, student loan studentloan.gov website says student loan payment due XXXX 

We applied for loan consolidation of ParentPlus loans and received a payment estimate which is {$200.00} less than current payment on Thursday XXXX 

As of today XXXX XXXXXXXX XXXX, I did not receive any update about the consolidation loan. 
Since the loan payment was due on XX/XX/ ( Saturday ), I logged into Edfinancial ( the loan servicer ) website and was shocked when the account summary page showed payment due is over {$4200.00} ( double the due payment ). 
I was not able to enroll in autopay. The Edfinancial website account summary page stated payment was due on XXXX and added next month XX/XX/ payment also. The Edfinancial website stated past due XXXX payment must be paid immediately, I paid the payment for XXXX immediately XXXX 
I made a call to Edfinancial to point out the error, no one is available. I am hoping back will happen in 24 hours. 
I made a complaint on studentloan.gov website. 

However, it is inappropriate that my account is marked as Late in Ed Financial website, when the Federal student loan.gov website stated and still states the XXXX payment is due on XXXXXXXXI have copies of these screens in pdf format. 
This appears to be an error of the servicers Edfinancial website.

Edfinancial must 1.Correct the payment due date 2.Allow autopay enrollment 3.Allow 0.25 interest rate reduction for autopay enrollment 4.Edit payment amount to the Consolidated plus loan ICR loan amount 5.Must send a copy of the corrected loan due date to me. 

I read online that Edfinancial " new '' website has many errors in the payment due date. Many borrowers have complained about Edfinancial 's wrong due dates. 
I would appreciate CFPB takes action on correcting this servicer Edfinancial 's website errors. 
Thanking You XXXX XXXX
Consumer complaint received 2023-09-29
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: EdFinancial Services (ME)

These loans are from attending University from XXXX. First serviced by XXXX XXXX XXXX then transferred to EDFinancial around XX/XX/XXXX. While serviced by XXXX XXXX in XXXX, on a leave from college I had applied for deferment when the loans began payment due to being a less than part time XXXX. During the time the application was being processed and eventually approved, I was being penalized for several 90-120 days late payments. This still affects my credit report to this day. I believe these negative marks should be removed from my credit report. Secondly, in XX/XX/XXXX my loans were transferred again to XXXX after applying for PSLF. Since XX/XX/XXXX I have been attempting to get EDFinancial to report my loans transferred and closed to the credit bureaus. I have been successful with XXXX student loans. I have included letters and spoken with representatives to no avail. I have suffered the consequences of derogatory credit reporting that is simply incorrect.
Consumer complaint received 2023-09-27
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)

Edfinancial ( student loan servicer ) is MISAPPLYING PAYMENTS TO MY ACCOUNT AGAIN! 

Once again, Edfinancial is ADDING INTEREST TO MY LOAN IN VIOLATON OF THE DEPARTMENT OF EDUCATION RULES AND ALSO IN VIOLATION OF THE LAWS FOR LOAN SERVICING. 

My monthly payment in the amount of {$580.00} ( under the Income-Based Repayment Plan ) is due XX/XX/2023. I paid it early and in full by XX/XX/2023 which covers interest and some principal. On XX/XX/2023, however, Edfinancial did not apply this interest in full but instead applied only some of the interest to my loan and applied most of the payment to the principal resulting in outstanding, unpaid interest in ERROR to date! 

This is exactly the type of illegal practices I dealt with when XXXX serviced my loans for 31 years. They want you to have outstanding, unpaid interest so they can capitalize your loan balance over and over and over again. Like XXXX, Edfinancial is making numerous interest errors and payment errors! 

This needs to stop NOW! 

The state AG 's office needs to get involved because this is why people are going mad! 

I called Edfinancial today and my hold time was a minimum of 485 minutes. 485 minutes!!! I opted for a call back and the automated message said it would take at least 24 hours. 

This complaint, among other complaints, have not been resolved and every day it is another GRAVE ERROR on the part of Edfinancial. 

Thank you. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-31
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. (LA)

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 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 and list of Inquiries. 

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 2023-09-18
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)

No one is available at Ed financial to take a call return calls. Hold times are over 4 hours long and no one I available through chat. I have made daily payments in the amount of {$5.00} on my student loan. Some days {$1.00} I is applied to interest on other days the whole amount is applied to interest. Based on the interest calculation rate on the EDfinancial site I am overpaying on interest. There isn't an option to apply overpayments or payments directly to the principal. As of XX/XX/18 two loan which I paid off years ago are showing on this account. They show a {$0.00} balance each. An interest rate is shown in both. I can not get into contact with the servicer to understand and correct the issue with paying more in interest than the interest rate.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

My account with ( CREDITOR NAME ) 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 those account 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.

( CREDITOR NAME ) 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 2024-05-31
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: Experian Information Solutions Inc. (AZ)

On XX/XX/year> there was a letter sent to Experian asking them to verify what I believe to be incorrect information about a few accounts reporting to my credit report listed as charge off and collections. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.
Consumer complaint received 2022-11-23
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. (TX)

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, XXXX : XXXX XXXX, XXXX  : # 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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX : # XXXX, 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 an 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 2024-05-31
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. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-31
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. (GA)

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 XXXX XXXXXXXX Balance : {$69000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-30
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. (IL)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2023-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Forest Recovery Services LLC (FL)

Account : XXXX By FORESTRECVY is an invalid account : There are many discrepancies on my credit report validating my point. 

-Collection account is only listed under XXXX XXXX and XXXX XXXX XXXX shows nothing.

- Company says last active date on Transition was XX/XX/XXXX but XXXX XX/XX/XXXX. 

Information in inaccurate as I was not the one who opened this account.
Consumer complaint received 2024-05-31
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-31
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. (AZ)

I am filing this complaint regarding fraudulent items on my credit report. After reviewing my updated report, I noticed that some items have been removed, and I appreciate your action on those. However, some fraudulent items still remain on my report. I request that the three Credit Bureaus remove the following fraudulent items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXXXX/XX/year> ; XXXX XX/XX/year>.
Consumer complaint received 2024-05-31
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (ND)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-05-31
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. (NC)

XXXX XXXX {$8000.00} ( Opened XX/XX/year> ), ( Closed XX/XX/year> ) 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 an 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 is inaccurate.
Consumer complaint received 2024-05-30
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. (FL)

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.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 2024-05-31
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. (MS)

I am in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] SHOWS BALANCE UPDATED ( {$740.00} ) FOR A CLOSED ACCOUNT ON XX/XX/XXXX. DATE OF FIRST DELINQUENCY BEING ILLEGALLY CHANGED AND DATED FOR XX/XX/XXXX. CREDITOR FAILED TO INDICATE IF OR WHEN THE ACCOUNT WAS SOLD. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] CREDITOR FAILED TO INDICATE IF OR WHEN THE ACCOUNT WAS SOLD. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ] SHOWS BALANCE UPDATED ( {$740.00} ) FOR A CLOSED ACCOUNT ON XX/XX/XXXX. DATE OF FIRST DELINQUENCY BEING ILLEGALLY CHANGED AND DATED FOR XX/XX/XXXX. CREDITOR FAILED TO INDICATE IF OR WHEN THE ACCOUNT WAS SOLD. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-05-30
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: Experian Information Solutions Inc. (FL)

Delete hard inquires bureau - 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  XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.