davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I had my purse stolen in early XXXX. The person that stole my personal items went to the local branch and deposited a check that was written out to my new married name. Not the name on my actual account with wells Fargo. I hadn't changed it yet. They allowed this individual to deposit several large checks with immediate cash back to an account with names that do not even match. With an ID that doesn't even match my account. This goes to show how much attention they pay to transactions and if they paid any bit of attention, this criminal never would have walked away with thousands of dollars. The XXXX at the local bank wouldn't even meet with me. A teller have me a number to call and that person just offered an apology with no information on what they are going to do about allowing an employee to mess with my account with someone that didn't even have the same name. Could have been completely avoided if they paid attention to names. I will be taking my business elsewhere.
Consumer complaint received 2024-06-04
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. (SC)

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 each account listed without my expressed written consent. 
I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries 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 XXXX XXXXXX/XX/XXXX Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :. 
Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted. 
Adjust accordingly if there is no inquiries or personal information to be deleted
Consumer complaint received 2024-01-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC (TX)

This company states that they are arbitrator of Cash Central. They state that I opened this payday loan on a bank account in my name. I do not know an information about this. This law group is using abusive and taunting tactics to exploit. I have asked several time to put all of this in writing. Apparently with their arbitrator this is in active court but can not or will not provide further information. I donor have knowledge of this and I am asking for proof of their claim or STOP CALLING and Provoking me.
Consumer complaint received 2024-06-04
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)

recently i looked at copy of my credit report and noticed several inaccuracies in my account this account is hurting my ability to obtain creditbit is my understanding that you will investigate these items for me to ensure accuracy here is the item i am asking you verify as accurate. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 
PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXX XXXX XXXX XXXX XXXX. 2024 Account # XXXX
Consumer complaint received 2024-06-04
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 or about XX/XX/year> I began trying to inquire about an alleged debt from XXXXXXXX XXXX that is being fraudulently, inaccurately, and illegally reported on my credit report with inaccurate information submitted to the different credit bureaus which is continuously damaging my credit. I requested validation of the alleged debt and never receive any validation whatsoever, and only continued getting updates of inaccurate and false information being reported to my credit report on the bureaus. I have recently obtained a new credit report with still false and inaccurate errors being reported on my credit reports and have decided to submit this complaint since my investigation requests are going unanswered with the company and bureaus. All disputes continue to only cause harm to my credit and this must be deleted to halt harming my credit.
Consumer complaint received 2024-06-04
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. (TN)

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 2024-06-04
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. (NM)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2019-07-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Innovate Managed Holdings, LLC (AL)

I have ask this company multiple times to provide me with the amount of Interest I have paid and the amount of principal paid towards the cost of my loan ; as of today they have only provided account history this does not disclose how much of of the paid amounts were to interest. I feel that this company is a predatory lending company. My loan amount keeps increasing instead of decreasing. It is going up as I make my monthly payments. I have enclosed a document reflecting this. They will not provide me with a copy of my loan agreement. I believe that they are charging interest per day my loan is open.
Consumer complaint received 2023-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CO)

My XXXX  loan payments are too high and I cant make them. I called Edfinancial and they recommended a different repayment plan that would lower my payments. They helped me apply and told me to wait 30 business days for approval. It has now been 50 business days with no approval. I am now two months behind on payments, I keep getting emails that my account is delinquent, and I am accruing interest every day. I call edfinancial weekly and they are so kind, but they just keep telling me to wait and that applications are taking longer due to a high volume of requests. I understand this is an issue, but there should be a way for me to get more information about my specific application ( where am I at in line? What is the expected CURRENT wait time? Is my application not being approved bc I need additional documentation? ) instead of a generic and unhelpful, albeit kind, response. I applied before the general forbearance was over and expected to be approved by the time my loans came due. A few days or even XXXX week extra is understandable, but this kind of delay while interest accrues in my account is unacceptable. It is especially unacceptable without information on how much longer I can expect to wait. I see information on the edfinancial website that concerns/confuses me, but the people I speak to on the phone dont seem to care or have any interest in listening to my whole story so that they can figure out if there is something I missed/need to do.
Consumer complaint received 2023-11-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services (OH)

My Borrower Defense Application was approved for forgiveness on XX/XX/XXXX. 

Edfinancial Services did not discharge my loans. I had several closed loans that were consolidated and held by Dept of Education in XXXX and they put Discharged status on the closed {$0.00} loans and put my consolididated back into repayment. 

I tried calling them and after being on hold for hours I explain my issue and they hang up.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to dispute the accuracy of the information reported by XXXX XXXX on my credit report, specifically regarding the account with the account number XXXX. According to my records and my understanding of my financial obligations, there are significant inaccuracies in the way this account is being reported. 

XXXX XXXX has reported this account as a " charge-off, '' indicating that they have written off the debt as uncollectible. However, the account is still being reported with a balance, which is not in alignment with the definition of a charge-off. A charge-off typically implies that the debt has been deemed uncollectible and has been closed or settled. 

I am formally requesting that the reported account be immediately deleted from my credit report for the following reasons : Inaccuracy of Reporting : As per the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate and complete information to credit reporting agencies. Reporting a charge-off account with an outstanding balance is misleading and does not accurately reflect the current status of the debt. 
Violation of FCRA : The reporting of this account with an outstanding balance may be in violation of the FCRA, which requires that information reported to credit bureaus is both accurate and complete. Inaccurate reporting can have a significant adverse impact on my creditworthiness.

Impact on Credit Score : The inaccurate reporting of this account negatively affects my credit score, making it difficult for me to secure credit, obtain favorable interest rates, or access various financial opportunities. 

I kindly request that you investigate this matter promptly and remove the inaccurately reported account from my credit report. Please provide written confirmation of the deletion to my address mentioned above. 

Additionally, I request that you notify XXXX XXXX of my dispute and request that they update their reporting to accurately reflect the status of the account as a charge-off with a XXXX balance. 

I appreciate your prompt attention to this matter and your assistance in resolving this dispute. Please find enclosed copies of relevant documents that support my claim.
Consumer complaint received 2024-06-04
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. (GA)

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 : Account Number XXXX, XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX : Account number : XXXX, XXXX XXXX XXXX XXXX XXXX Account Number XXXX. Dept of EducationXXXX : Account Number : XXXX, XXXX : Account number XXXX, XXXX XXXX : Account Number XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : Account XXXXXXXX XXXX XXXX : Account Number XXXXXXXX XXXX  : Account Number XXXX, has violated my rights.

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items 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 2023-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MA)

I called Edfinancial in XX/XX/XXXX to request a refund of the payments that I made during the COVID pause. I did not get any confirmation of this, but then when I opened my account in mid XXXX. I noticed a line in my payment history with a adjustment of {$5800.00} on XX/XX/XXXX. I also noticed that my loan balance increased by this exact amount. I since have called the servicer many times getting through to them several times. I was told that my request to be refunded this amount would be sent to a finance department. Another time that I called I was told that a supervisor would call me back in XXXX to XXXX hours, which never happened. On XX/XX/XXXX I called again, very frustrated and asking for my money back. The customer service agent told me that he would escalate my request to emergency and to call back in 15 days. I called back today XX/XX/XXXX and once again told that a supervisor would contact me in XXXX to XXXX hours and that there is nothing else that can be done except wait for the finance department to see the request.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-12-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (FL)

A provision in the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act allows borrowers who made payments during the forbearance period to request a refund. Any and all payments made since XX/XX/XXXX, were eligible to be refunded. 

On XX/XX/XXXX, I called my loan servicer XXXX and requested that all student loan payments I made since XXXX ( XX/XX/XXXX - XX/XX/XXXX ) in the amount of {$3600.00} be reimbursed to me in the form of a mailed check. When asked how long it would take for me to receive my check I was told XXXX days. I since called XXXX additional times to confirm the timeline and was told XXXX days both times. 

It has now been 100 days and I have still not received my money. However, on the exact day that I initiated the request ( XX/XX/XXXX ) they had no problem adjusting my balance an additional {$3600.00} allowing it to collect interest. I was told XXXX days. Anything over that I feel is a hardship on me, as they get to collect interest while I still don't even have the money that they are billing me interest on.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-11-06
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 (FL)

Ed financial is my current federal student loan servicer and I am attempting to refinance with XXXX XXXX  for which I need a statement of payoff verification. Ed financial is refusing to provide this statement. I have made multiple calls and requested to speak to a supervisor, but have not received a call back. I am unable to obtain the information needed to transfer my loan out of Ed financial and this issue causing delay for refinancing and coating me time and money.
Consumer complaint received 2023-07-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc. (OK)

On or about XX/XX/2023 Upstart sent me a offer for a new loan, then said use a different email, then said many other conflicting details. Eventually they denied this loan saying they could not identify me. I have a loan taken XXXX. I have never paid late, Upstart says I have paid XXXX of principal towards the XXXX original loan in 16 payments. yet they turn around and claim I owe XXXX, more than even the amount they have said I have paid towards the principal. Furthermore the total of my payments has been XXXX, the rate far exceeds the 35 % allowable interest rate for Oklahoma. When I contacted them on XX/XX/2023 they refused to respond. On XX/XX/2023 they responded via email saying they take my concerns seriously but OFFERED no resolution or even a hint of compromise or explanation. Compounding the problem, Upstart, after offering a second loan has sent some company they say they work with named Am One who hounds me to death about loans via calls and emails. I never asked for, nor authorized Upstart to have these people contact me ad nauseam. As of this date no resolve, or any actual viable response has come from Upstart.
Consumer complaint received 2023-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (VA)

I have attempted to enroll in auto-pay multiple times via EdFinancial 's online portal and received emails from EdFinancial confirming this ( XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 ), but my loans are still not enrolled in auto-pay. 

In an attempt to resolve this, on XX/XX/2023 I submitted a contact form on EdFinancial 's website ( XXXX XXXX XXXX  ) and emailed them at XXXX. 

In my message, I explained that I wanted auto-pay enabled, but was running into issues using the online portal. I specified the loans, the amount I want to auto-pay for each loan, and the last 4 digits of the bank account I have on file that I'd like auto-pay to draw from. In my request, I asked them to confirm receipt of my message, as well as confirm when my loans have successfully been enrolled in auto-pay and I am receiving the 0.25 % discount on my loan interest. 

Additionally, I asked stated that if I did not hear from them in 10 business days that I would file a complaint with the CFPB. 

Those 10 business days have passed and I am submitting this complaint for CFPB review. 

I did receive an email from EdFinancial on XX/XX/2023, but that was in response to a different message I sent on XX/XX/2023, to which I followed up to that message with all the information I provided in my message sent on XX/XX/2023, but have not heard back from that reply.
Consumer complaint received 2024-05-30
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. (NE)

i am now requesting proof of the previous investigation, I'm asking that you send your method of investigation along with all records of who you spoke with their business address name and phone number as well as documentation that proves this account was late. if you can not provide me with this information in 15 days update this account to paid/never late and send me a copy of my updated credit report. 

XXXX XXXX Account # XXXX