davidheineman/consumer-finance-complaints-large huggingface dataset:
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)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
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. (PA)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-06-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Roach & Murtha, P.C. (NY)

I received a call from Roach & Murtha on 2 occasions. The 1st call was sometime in XXXX and the second call was on XX/XX/XXXX at XXXX est. The reps name was XXXX. In XXXX I noticed he failed to read the XXXX XXXX and verify my information and just started disclosing my personal info without know who he was talking to. He just assumed it was me. I did not pursue the XXXX violation because I owe the money and I did not mind paying it. On XX/XX/XXXX at XXXX est. XXXX XXXX collector did the exact same violation. He failed to read the XXXX XXXXXXXX, he failed to XXXX who I was and he opened up the conversation saying " XXXX this is XXXX from XXXX and XXXX, when are you going to make the payment. I responded and said I have a 10 day grace I will pay in the next couple of days. '' I ask " Hey XXXX your company does not verify information or disclose the XXXX XXXX '' He responded verbatim " We only XXXX  XXXX on the XXXX contact '' which is a violation of the FDCPA. The XXXX XXXX must be read on every attempt to collect a debt. XXXX XXXX failed to disclose on both Contacts. He did not ask for my address last 4 of the social and basically was in violation of the 3rd party disclosure as well. He had no way of know who I was if he failed to verify.
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

I see some fraudulent accounts in my report. please remove them as soon as possible. Thank you : XXXX XXXX  acct # XXXX date opened XX/XX/year> XXXX XXXX XXXX XXXX acct # XXXX date opened XX/XX/year>
Consumer complaint received 2019-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/2017 I was no longer able to access my Chase credit card online. I reported the problem to Chase and Chase sent me a letter stating that my account could not have online access. However my billing was paperless and I had no way of knowing what was still due on the account. Having no way of knowing was was due or still owed on the account I have been going into a Chase branch and paying {$100.00} or {$150.00} per each month. At this point I might be paying this the rest of my life. I have no paper statement coming to me and no access to online. I have tried to create online access on the Internet again and again but I can not.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC. (PA)

I am a client of SANTANDER BANK. A few weeks again they have requested me to provide information about my account usage. After that they've blocked my account until I provide the information. When I came to the branch in person they did not find any problems with my account and told me that I can use it without any restrictions. Later they've called me and I provided them with all the information they need over the phone. Now my account is still blocked, and they deny to unblock it until I come to the branch in person. I'm in another state and I can not come to the branch because my funds, that I could use for transportation are frozen on my account. The back denies to send the agent to my state, or provide me with transportation to their branch, or give me access to my own funds to come to the bank. The closest branch is 2 hour drive away from me. I don't have a car, and due to the actions of the bank I don't have funds for public transportation.
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. (AZ)

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 2024-05-30
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. (AL)

I filed an Identity thief report I was unable to list all the inquiries. Asked bureaus to remove the inquiries XXXX removed them but not Experian and XXXX! They did not remove all the unauthorized inquiries. 
FTC Report XXXX I was not allowed to put all inquiries on report it allowed up to XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-19
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. (OH)

As I previously reported in my last complaint. That went completely unaddressed. I am showing no data for XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX  XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX, XXXX XXXX, XXXX - XX/XX/XXXX, and XXXX XX/XX/XXXX. 
I am not asking for an re-investingation. I am stating that there is information missing.
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. (GA)

I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to express my concern regarding the lack of response to my disputes about inaccurate information on my credit report. Over 30 days ago, I submitted detailed disputes to XXXX, XXXX, and Experian, listing the specific accounts and outlining the violations made to my consumer report. 

To date, I have not received any response from your agency. This non-compliance with the required 30-day investigation period is unacceptable and a violation of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, your company has repeatedly failed to validate a specific collection account, which is a direct violation of FDCPA 809 ( b ) as per the FTC opinion. 

Attached are copies of all the letters and supporting documents I previously sent. 

I request immediate action to : 1. Investigate and correct the inaccuracies on my credit report.

2. Provide a written response to my dispute submissions.

3. Validate the disputed collection account or remove it from my credit report.

Please address this matter urgently.
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. (NC)

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 2024-05-30
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. (TN)

According to 15 USC 1681e ( b ) everything showing on my credit report should be complete and accurate. Please re-investigate the late payments showing on ( XXXX XXXX Account # XXXX ) Ive asked for these to be investigated multiple times. There are several inaccuracies. Please delete these late payments
Consumer complaint received 2023-03-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL (TX)

I opened a CD account recently with Synchrony Bank and tried to register my account online at https : //auth.synchronybank.com/account/register site. After inputting my SSN and DOB, it took me to another screen ( https : //auth.synchronybank.com/account/initiate-otp ) asking me to confirm my identity. It listed an old phone number that I owned long ago. I couldn't select that so I selected the " My Phone number is not listed '' option and plugged in my current number. It threw me this error " Sorry, the selection you have made is invalid. Please select or enter a phone number with an appropriate delivery method. '' I tried the same number with different delivery methods ( both XXXX and Phone Call ), and it repeatedly threw the same error. The error repeated for my other active number as well. For testing purposes, I selected the old number listed in the dropdown and the OTP was sent successfully to that number. I called the bank 's customer service at XXXX and reported to them the issue. They said that they use a third party to confirm my identity and refused to disclose further details. They only offered to send me a code by snail mail, which they said will take 7-10 business days. My old phone number still exists in their system and I am afraid that I am susceptible to fraud because the OTPs are still being sent to the old number.
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. (FL)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX Balance Owed : {$150.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXXXXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX Balance Owed : {$870.00}
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (IL)

I was making loan payment of my student loan to my federal student loan provider ED Financial everymonth thru my checking account. I had made XXXX payments of {$500.00} on XX/XX/XXXX. The provider has not acknowledged the receipt of these XXXX payments. However my payment on XX/XX/XXXX has been acknowledged as well as payments in previous months. I have included proof of loan payment below. 
XX/XX/2023 DEPT EDUCATION XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$500.00} {$7200.00} XX/XX/2023 DEPT EDUCATION XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$500.00} {$7700.00}
Consumer complaint received 2023-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (IL)

I have never missed a student loan payment. I have always ensured that each payment I made was sufficient to cover the interest being charged and prevent the loan balance from growing via negative amortization. 

I made my first student loan payment ( since the pause ended ) on XXXX. I paid {$550.00}, more than the minimum payment.

I have 4 loans totaling $ XXXX with a weighted average effective interest rate of 5.7 %. Based on this, I expected my first-month interest charge to be {$230.00}. And therefore {$550.00} - {$230.00} = {$310.00} would be applied to principal.

EdFinancial applied {$340.00} of my payment to interest and only {$200.00} to principal. I am not sure how this could be possible given that I have never missed a payment or paid an amount that would result in interest accruing or negatively amortizing. This is an effective interest rate of 8.4 %, which is quite simply... outrageous. 

I have no idea how this could possibly happen. I want an explanation from the servicer to explain how they arrived at this interest charge. And their customer service has been completely unresponsive.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

So ive been fighting a fraud case with XXXX XXXX for more than 4 months now, back in XXXX someone had hacked into my laptop giving me a virus and hacking into my credit cards saved on to the device. That hacker took multiple cards and charged thousands of dollars to the merchant in the name of XXXX XXXX XXXX. All financial creditors have resolved these fraud charges except XXXX XXXX. What makes this case more of a headache is that i have XXXX XXXX cards that were charged with the same amount from the same merchant ( XXXX XXXX XXXX XXXX XXXX ). The charges on the XXXX was resolved within days of the case being open but the XXXX card is going on 4 months with no response. XXXX has also decided to post these FRAUD charges to the credit bureaus and caused my score to drop more than XXXX points and has put me in a tough financial position. This is not fair and ive been contacting XXXX every week for an update but they have refuse to give me an answer.
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. (NJ)

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 2023-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (OR)

I have been attempting to contact EdFinancial Services regarding my student loans for the past month and a half ( started calling end of XX/XX/2023 ) and every time I have been told that the wait time is over 200 minutes but that I would receive a call back at the number I provided. I have called at least 10 times but never once did I receive a call back where I was able to speak with a customer service representative to get my questions answered and problems resolved. I have only received 2 call backs but as soon as I picked up ( after my phone rang once ), the call was disconnected. My most recent attempt to call was on XX/XX/XXXX at XXXX ( Pacific Time ) and was told that the wait time is 110 minutes. EdFinancial Services shows online that its hours of operation on Tuesday is until XXXX EST, which is XXXX Pacific Time . It is currently XX/XX/XXXX and I have still not received a call back. 

I simply want to speak with a representative or manager to change 3 out of my 6 loans from " in school '' to " in repayment '' status so that those loans can be on the SAVE repayment plan. I have applied for the SAVE plan on the Federal Student Aid website and have uploaded the application and proof of income documents to my online account for EdFinancial Services. My colleagues who applied for the SAVE plan on the same day I did have already spoken with their loan servicer and are now on the SAVE plan. Meanwhile, with EdFinancial Services, there is no way for me to check the status online, nor has there been any form of communication with me. I have never had a loan servicer company where it is nearly impossible to reach any representative. I am extremely frustrated and would not choose EdFinancial Services if given the choice.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (TX)

I filed 2 disputes with XXXX for my XXXX loans. I sent the letter of the US Department of Education showing the loans had been discharged. I called the company ED Financial that held the loan and they confirmed it was showing {$0.00} balance on all loans as of XX/XX/2023. The First dispute XXXX said that the company did not confirm a change. I got my letter for the department of education and sent that in the second dispute in XX/XX/2023. Again XXXX came back stating the ED financial did not give them any change of amounts. I got a letter from ED Financial XX/XX/2023 showing the accounting of all the accounts and all showing paid in full with {$0.00} balances. XXXX is the only credit reporting agency not removing the balance for me the others have corrected it.
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 ] THIS ACCOUNT WAS LISTED ON MY CONSUMER REPORT MULTIPLE TIMES. XXXX LISTED FOR {$150.00} WAS REMOVED. THE OTHER LISTING SHOULD BE IMMEDIATELY REMOVED DUE TO REPORTING INCONSISTENT BALANCES ACROSS THE BUREAU. 

XXXX : [ XXXX XXXX XXXX ] XX/XX/year>. THERE ARE MULTIPLE LISTINGS FOR THIS ACCOUNT ON THE CONSUMER REPORT. THIS IS INJURIOUS TO MY CREDITWORTHINESS AND SHOULD BE DELETED IMMEDIATELY DUE TO INACCURATE AND INCONSISTENT BALANCES ACROSS THE BUREAU. 

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 2023-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (DE)

With student loan forgiveness no longer in deferment, my first payment was due XX/XX/XXXX. Ive made repeated attempts to make the payment with Edfinancial, but they keep reversing the payments without any explanation. Here is the series of events : -On XX/XX/XXXX I made a payment of {$170.00} XXXX XX/XX/XXXX the payment was reversed -On XX/XX/XXXX I tried again to make the payment of {$170.00} XXXX XX/XX/XXXX {$170.00} was listed as a write-up -On XX/XX/XXXX I made a payment of {$370.00} because my account was saying I was past the due date -On XX/XX/XXXX the payment is reversed I just tried again to pay the {$370.00} my account is saying I owe, but am worried it will just be reversed again. There is no reason these payments should be reversed, it doesnt appear Edfinancial as even tried to take the money from my checking account. I tried to call Edfinancials customer service number on XX/XX/XXXX to get this problem sorted, but was put in a call back list by the automated system and am still waiting for a call back as of XX/XX/XXXX. What is going on? I just want make my payment. I read online that many other people have been experiencing this issue and it was recommended that I file a complaint with CFPB. Hopefully you can help me. Thanks!