davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

I have a XXXX XXXXXXXX XXXX XXXX My servicer is EdFinancial. On XXXX XXXX XXXX  I submitted a {$3600.00} payment towards the loan and after a few days it looked to be accepted as the balance went down the {$3600.00}. What was weird is that the money was never taken from my bank account, but I thought maybe it just took a little longer to process. However I just logged back into my EdFinancial account and saw that the entire payment had been reversed and it was back to the original balance. I wasn't even notified, and interest has been accruing on the higher balance again. I did some XXXX and found MANY other people under EdFinancial are having similar issues. I am worried it is fraud in order to either 1 ) accrue more interest so we end up having to pay more and/or 2 ) make it so we don't even know that the payment was reversed ( again, was not notified ) which could lead to late payments in the future if we didn't happen to check the account again. Now I am scared to submit the payment again and frustrated that I am having to pay additional interest because of this.
Consumer complaint received 2024-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've tried many times to fix wrong and false information on my credit report, but it's still there. This bad information is causing me a lot of worry and stress. I want to make it clear that I didn't allow this information to be put on my report. Someone stole my identity and used it.
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (TX)

I filed a claim with Wells Fargo after purchasing a resume service and not getting what I paid for and the individual who I purchased from was aggressive and abusive when having him correct errors. I reached out to XXXX first and they told me to go through Wells Fargo to get my money back. Fast forward to XX/XX/year> when the same individual decided to threaten me and extort the money on XXXX after getting notified about the chargeback through XXXX. Wells Fargo has now put my account in overdraft for this issue and Im in the process of seeking legal counsel if this isnt resolved. His threats for not delivering should be investigated and I should not foot the bill for this. I want this payment refunded or I will file suit for XXXX being an accomplice to threatening behavior and extortion against me.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/year>, I deposited two ( 2 ) checks via mobile from the same individual : one in the amount of {$1800.00} and one for {$2000.00} in my Fifth Third Bank Checking Account number XXXX. The checks were made payableto the corporation i maintained untl my retirement.I was provided with a message that the checks would clear on Monday, XX/XX/year>. On Monday, XX/XX/year>, I attempted to use my debit card, and it was declined. 

I telephoned the bank, and was told my entire account was frozen due to the two deposits. I was then told to go to my local branch to solve the problem, I visited the local Fifth Third Bank branch located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX telephone XXXX XXXX. The customer service representative who I explained the problem to telephoned another representative who asked for proof that I at one time held a corporation. That proof was provided. secured through the New York State Department of State, I was told it would take up to tree business days for a reply. In the meantime, my entire account remained frozen, including the funds from my social security check. 

On Thursday, XX/XX/XXXX, I telephoned the branch, as I had heard nothing concerning the problem. I was told someone would follow up and contact me. 

On Friday, XX/XX/XXXX, I received a telephone call from the branch manager. She stated that the bank was requesting copies of any invoices, which I provided on Monday, XX/XX/XXXX. I have heard nothing from the bank, and my account remains frozen, causing several regularly scheduled automatic deductions to be returned, causing me fiancila and emotional distress. 

During this time., I also contacted the person who wrote the checks, as one of the stated reasons the account was frozen waw a question as to whether the account the checks were drawn on contained sufficient funds. She traveled to her bank and was told the checks had cleared. The representative on the branch I visited had confirmed the checks did indeed clear.

This has now been going on for more than TWO WEEKS, and still no resolution, and I still do not have access t my funds totaling {$3800.00}. As I stated above, this incident has caused me severe emotional and financial distress. I have also been locked out of my account totally. I can not even respond to emails sent to me by Fifth Third bank, as I can not open the emails. 

This matter has become critical, as once again Fifth Third Bank ahd been holding my funds for two week and counting. Your assistance in resolving this matter is greatly appreciated. 

Thank you. 

Very truly yours, XXXX XXXX XXXX.
Consumer complaint received 2024-08-02
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: Thaxton Investment Corporation (MO)

Dear HEIGHTS FIN, I am writing to formally address a serious violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the relevant laws governing identity theft and credit reporting in XXXX XXXX XXXX MO. 

It has come to my attention that HEIGHTS FIN has engaged in unauthorized reporting to my credit report without my explicit consent. Under federal law, specifically the FCRA, the consent of the consumer is a mandatory requirement for such reporting activities as stated in Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law, particularly under the Missouri Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. The Missouri Fair Credit Reporting Act outlines similar protections, ensuring that consumers are not subjected to unauthorized reporting. Furthermore, Missouris identity theft laws highlight the seriousness of unauthorized access and misuse of personal information. 

I assert with absolute certainty that I have not provided consent for HEIGHTS FIN to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially damaging my creditworthiness and showing a disregard for both federal and state laws. 

I demand that HEIGHTS FIN immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including those related to identity theft. 

I want to emphasize that obtaining consent is not optional ; it is a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, which are designed to protect consumers like myself from unauthorized and damaging credit reporting. 

I expect your immediate attention to this matter and anticipate that HEIGHTS FIN will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

I filed a claim with Wells Fargo after purchasing a resume service and not getting what I paid for and the individual who I purchased from was aggressive and abusive when having him correct errors. 
I reached out to XXXX first and they told me to go through Wells Fargo to get my money back. 


Fast forward to XX/XX/24 when the same individual decided to threaten me on XXXX after getting notified about the chargeback through XXXX. Wells Fargo has now put my account in overdraft for this issue and Im in the process of seeking legal counsel if this isnt resolved. His threats for not delivering should be investigated and I should not foot the bill for this. 

I want the overdraft fees and payment removed or I will file suit for being an accomplice to threatening behavior against me.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

Opened account in XXXX with the promise of a {$350.00} bonus from the bank if direct deposit over {$5000.00}. 

Called bank XX/XX/XXXX and XX/XX/XXXX and they had no record of my XX/XX/XXXX call. 

They could not credit my account.
Consumer complaint received 2024-08-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

Delete this account since you can't demonstrate that it belongs to me, despite the fact that you're reporting it without any supporting evidence. Please give proof that my rights have not been violated and that this account should be shown on my credit record. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX I deposited XXXX into the Bank of America ATM. The atm took my money and ejected my card. I immediately called the number on the ATM I was told the wait time was an hr and 30 mins. 

While waiting drove to a branch. Still on hold I spoke with the lady inside the BOA and she stated to call the number on the atm give them the ATM Id and they can issue me a temporary credit today until they figure out exactly whats going on. She assured me that that was the only way to solve the issue as they do not solve the issue inside the branch. 

Finally an agent answers the phone and takes my information then tells me it will take up to XXXX days to get the money. I am flabbergasted. I explain in detail this is my rent this due today and tomorrow there will be a XXXX late fee and XXXX every day there after. She says I can transfer you to a supervisor to see if they can get you credit on the card today. 

Again I wait on hold another hr and 20mins just for the phone to ring and an associate pick up and say that department is closed for the day. She then says let me see if it will allow me to escalate the claim which will still talk up to XXXX hrs to appear on my account. 

I explain the same situation to her and ask her who is going to pay My late fees she then gives me a number and tells me to call them tomorrow at XXXX and the will put my money in my account. By this time the XXXX late fee will have already occurred. 

I call the number today at XXXX and still sit on hold XXXX just to get the exact same run around I received yesterday. 

I now owe XXXX in late fees and I still have not received my rent money. All I did was put my hard earned cash inside of an atm to pay my rent on time online and now have absolutely no access to it. I have been with BOA 16 years. This is the last straw there is no way you should deposit money into your account and have it taken from you and have to wait to get it back until they feel like youre telling the truth. 

There are cameras at the atm and thats an electronic device all they have to do is look and see how much of an overage they have and give me my money, but they choose to give you the run around and keep my money.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grow Credit Inc (TX)

My account with the GROW CREDIT INC and i was never late! I have had exceptional payment history with this company 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 XX/XX/year> 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. 

This company 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 2023-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MD)

I have had XXXX XXXX  loans for my sons through Ed financial for over 6 years. I've not had any problems with payments until they changed their system over in XX/XX/2023. I made a {$5000.00} payment to ED FINANCIAL on XX/XX/2023. It was removed from my account by Ed financial via ACH payment. I have bank records that prove this. I also have a confirmation # from ed financial when I made the payment which I have given to their customer service department 8 TIMES!! They absolutely can not explain where my money went, why it was not applied and all they say is " I'll forward this to the finance department ''. AFTER 2 and a half MONTHS and over 15 hours, this is STILL not rectified, with no response from anyone at Ed financial. Customer service requires to you to stay on the line for hours. They have only 1 phone number. They do not call back and are useless. There are no emails, live chat available, or responses and when I finally do get someone to pick up the phone, they offer no solution. They make excuses or they lie. One time we were told that THEY COULD SEE the payment on my account but we couldn't ... which was a lie to get us off of the phone. Any time I make a payment it will say " pending '' and " Processing ''. It says nothing. They also said they would send a record of all of the payments we've made in the last 6 years, which they did, and of course it DID NOT HAVE the {$5000.00} payment on there. They have STOLEN my money, refuse to take ownership or apply my payment. I am now out {$5000.00} which is a lot of money in my family and I continue to pay a higher interest rate for the last 2+ months because they refuse to credit my account. They refuse to allow you to speak to someone in the finance department or a supervisor. They say " that's not how we do it here ''. It absolutely should NOT take this long to find my money. I have a confirmation # and all they need to do is type that number in to see that it is to be applied to my account. What good is a confirmation # if they can't access it? It is a feckless, corrupt company that steals money and continues to XXXX you with higher interest rates. Trying to make up for the NO INTEREST rates for 2 years during Covid.. I'm sure. I can not get them to help me or respond. Please help me and/or let me know of a different way I can go about getting my payment applied to my account. In addition, I try to log in and it now has disabled my account saying the info I put in there, ( my sons ss #, birthdate and Account # ) are incorrect. I've logged in several times with the same info and it's never been incorrect. So now I can't get into my account to pay anything. I've never experienced such frustration and problems with a company before. Thank you for your attention to this.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to XXXX XXXX. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (MA)

I opened an account on the app with the savings bank ( MARCUS ), where Id add small amounts of money each week, about {$300.00}. I decided to open my app to add more money and it told me that they had temporarily locked my account, telling me to call them to have it unlocked. I called them, gave them all the information they asked for and they told me that they would call me the next day with more information about why my account is locked. I called them later that day ( XX/XX/XXXX ) because I realized that I have about {$4000.00} in that account, in fear of losing that money. I called them to try to withdraw the money from that account to my regular checking bank. They told me once again that my account is locked and that they cant do anything about it from their side. I asked them if they knew why my account is locked, they said that they dont have access to that information. Today ( XX/XX/XXXX ), I decide to call them because I never received the call they said I would receive from them with more information within the 24 hour period. They asked for the same information they did the first time, I went through a security questionary just to be told that now Ill have to wait 7 days for someone to call me with more information about why my account is locked. I asked them if Ill get my money back in those seven days, they said Ill receive the call in seven days, insinuating that I wont be getting my money back.
Consumer complaint received 2023-12-05
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 am receiving an NIH loan repayment award and a payment was made in XX/XX/2023, with checked cashed by EdFinancial early in XX/XX/2023. At the time the payment was made, EdFinancial was transferring to a new server, and all my information was " lost ''. The payments have not posted and I have been calling EdFinancial for several months to get a proof of payment as well as an updated loan information and I have not received anything. I am continually being told ( after escalating to speak with Supervisor ) that my request is being expedited or in high priority but I am getting nowhere. I am not in danger of LOSING my award, and I can not get any further information about these payments from EdFinancial. The two payments are total for {$8000.00}
Consumer complaint received 2023-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (CA)

I was already on the XXXX plan ; but the XXXX website has a banner saying to " re-certify now '' so I did it. I thought I was being proactive and just re-certifying early - as prompted by the automated message on the homepage. 

Turns out, doing so just started the process from the beginning. Now my loans ( which were already on the XXXX plan for two months ) are accruing interest under 'Administrative Forbearance ' as my new XXXX plan begin date is XX/XX/XXXX23. 

I spoke to two company representatives yesterday. The first one told me that the interest would be waived retroactively. The second one said that this is misinformation and that I was never on the XXXX plan to begin with. 

This is not true. I have the acceptance letter dated XX/XX/XXXX2023 to prove it. 

My question is : Is there a way to honor my original XXXXXXXX  plan status? I was shocked to find my loans accruing interests. My monthly payment is the same on both acceptance letters- {$0.00}. It feels as if I am being punished for trying to be proactive. I also feel misled by the banner on my account ; which is what encouraged me to " re-certify '' in the first place.
Consumer complaint received 2023-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (OH)

On XX/XX/2023, I completed an application for an Income-Contingent Repayment Plan via US Dept . Of Education. I received emails from US Dept. Of Education stating the application submission was confirmed and I tracked the status until I received the following : Application Processed Completed on XX/XX/2023 Your loan servicer ( s ) has ( have ) completed their review of your application. 

I Waited for an update from ED Financial but I never heard from them. I called several times and each time was advised to wait for processing. The application was never processed and payments have resumed.
Consumer complaint received 2023-10-02
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. (PA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.