davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (FL)

This company is undeniably engaging in fraudulent practices. As of XX/XX/XXXX, all of my loans were XXXX, as clearly indicated in a previous complaint. According to the terms of discharge, all loans should reflect a XXXX balance and a XXXX status. Despite my efforts, evidenced by a complaint submitted in XXXX along with supporting documentation, which unequivocally proved the closure of all accounts, I was dismayed to discover upon logging into the portal that a balance is still being carried. Upon reaching out to XXXX XXXX XXXX, I was informed by a representative that indeed the loans were XXXX, and it was the servicer, Ed Financial, that altered the status to repayment and forbearance, possibly in an attempt to refute the previous complaint. To substantiate my claim, I obtained a summary of all loan activity from XXXX, clearly displaying the XXXX status of all accounts under " XXXX XXXX XXXX. '' I am now providing this evidence to demonstrate that these loans were unlawfully reinstated into repayment and forbearance post-discharge. Ed Financial is fully aware that XXXX loans are to be removed from credit reports, and any payments made subsequently must be reimbursed. Furthermore, it's pertinent to note that {$6000.00} was unlawfully deducted to apply to student loans when the accounts were in default back in XXXX. Consequently, all funds, including interest payments, must be promptly returned. XXXX action is imperative to remove these accounts from my credit report, and I demand reimbursement via a {$6000.00} check without delay.
Consumer complaint received 2024-05-02
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. (TX)

accordance with the Fair Credit Reporting Act the list of accounts below have 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 Attorney General # XXXX, XXXX XXXX XXXX # XXXX XXXX Office Of the Attorney General # XXXX, Attorney XXXX, XXXX XXXX ( reported several times ), XXXX XXXX XXXX I looked at my XXXX credit report and saw things were not accurate and incomplete. And according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates to according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are supposed to do this 5 Treatment of inaccurate or unverifiable information. ( A ) general after any reinvestigation under paragraph ( 1 ) of any information disputed.
Consumer complaint received 2024-04-23
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 (FL)

I am writing to address the inaccurate reporting of my student loans on my credit report. My student loan debt has been fully discharged through the Borrower Defense Act as of XX/XX/2023. Federal Student Aid confirms that I have a {$0.00} balance on all XXXX loans. 

Upon discovering this discrepancy, I reached out to the loan servicer to inform them of the discharged status of my loans. However, they directed me back to Federal Student Aid, stating that they should reflect the same status. Subsequently, I initiated a dispute both with Federal Student Aid and the credit bureaus. 

Despite following the proper dispute procedures and waiting the allotted 30 days, only XXXX out of the XXXX loans were removed from my credit report. I have made multiple attempts to contact Ed Financial without success.

Given that Federal Student Aid acknowledges that I no longer owe these loans, it is unjustifiable to continue damaging my credit by reporting them. I urge you to take immediate action to remove these erroneous and illegal accounts from my credit report.
Consumer complaint received 2024-04-17
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 applied for a loan consolidation on XXXX XX/XX/2023 to consolidate XXXX federal student aid loans. XXXX loan was with XXXX and the other loan was with EdFinancial. I requested that my final servicer be XXXX so XXXX processed my consolidation request. XXXX successfully consolidated the loan originally held by themselves and transferred it to XXXX on XXXX XX/XX/2023. However, in processing that consolidation, the new loan that was transferred to XXXX was incorrectly assigned the same loan ID number as the existing loan held by EdFinancial. This resulted in the existing EdFinancial loan data being overwritten and obliterated from the National Student Loan Database System ( XXXX ). XXXX subsequently attempted to payoff my EdFinancial loan but EdFinancial rejected the payoff because there was no longer any record of that loan in the XXXX. XXXX continued to make approximately XXXX more payoff attempts over the course of the next XXXX months without really trying to determine why the payoffs were being rejected. Additionally, EdFinancial made no attempt to determine why XXXX kept trying to send them payoff monies. 
Because of these mistakes made by XXXX and EdFinancial, my loan at EdFinancial began accruing interest on XXXX XX/XX/2023. Throughout the period from XXXX XX/XX/2023 to XXXX XX/XX/2023, I made multiple inquiries and attempts to correct this problem and actually notified XXXX and EdFinancial of what the problem was. Finally, on XXXX XX/XX/2023, XXXX sent the payoff funds and EdFinancial accepted said funds to pay off my loan with EdFinancial. XXXX then added the EdFinancial loan to the existing consolidation loan at XXXX. However, because the XXXX payment pause ended XXXX XX/XX/2023, I incurred interest accrual on the EdFinancial loan totaling {$250.00}. This accrued interest was capitalized onto my EdFinancial loan as part of the loan payoff and consolidation. I should not have to pay this capitalized interest because of mistakes and errors made by EdFinancial, XXXX, and the Department of Education in processing my consolidation request. Since my original consolidation request was made XXXX XX/XX/2023, there was more than sufficient time for XXXX and EdFinancial to complete my consolidation before the resumption of interest accrual on XXXX XX/XX/2023. Therefore, I request that this {$250.00} in capitalized interest be removed from my loan balance and all subsequent interest charges be recalculated based on my lower and correct principal balance.
Consumer complaint received 2024-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX, XXXX, XXXX XXXX, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2024-04-11
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 (NY)

I have been paying my XXXX XXXX student loan of approximately {$70000.00} for 21  YEARS. I have paid on time. My interest rate is 3.5 % interest. After 21 YEARS of payments, ED Financial says I still owe {$68000.00}. My husband, who took out XXXX  loans with XXXX at the same interest rate at the same time, now has a balance of {$38000.00}. I have contacted Ed Financial several times to ask for clarification about how this arithmetic is being done and can not get any information, plan, supervisor. Nothing. They are absolutely unresponsive. Customer service is non-existent. If I type my information ( length of loan, interest rate, principal ) into an ordinary online loan calculator, I get that my balance should be around {$30000.00}. But according to ED Financial, my balance is more than double that figure, and they are not being held accountable to disclose how they are calculating my loan and why it's still so high. 
On top of all that, no two phone reps ( after hours of waiting ) have the same information. I do not feel heard and I do not feel informed about my options for refinancing. When they told me to sign up for income-driven repayment plan, my monthly plan DOUBLED. I am nearly XXXX XXXX XXXX and I on social security.
Consumer complaint received 2024-02-21
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Cordoba Legal Group, PLLC. (TX)

I was dropped as a client without early notice and did not refund my money for not following through with their commitments. When asked for all of the information that is supposedly on the agreement, they said they would email it to me with corressponding page numbers which notate the stipulations. I have yet to receive this communication.
Consumer complaint received 2024-02-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Cordoba Legal Group, PLLC. (LA)

Canceled service on the XXXX. Conformation email was sent to me on the XXXX of XXXX. Was told XXXX business days for my refund. Time came and passed. Called and was told to give ot another XXXX hours. Time came and passed. Called and requested a supervisor and was told I would get a call. 3 days later I call again. Was told XXXX hours. Again time came and went. Called again was told a supervisor would call me in an hour. I called back XXXX hours later and was told to look for the refund to be in my account by this Friday. I am not confident this will occur.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

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 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-10
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. (CO)

I am in a XXXX XXXXXXXX I have some stuff credit report XXXX XXXX XXXX account for XXXX account number XXXX a XXXX XXXX XXXX account number XXXX a XXXX XXXXXXXX XXXX acount XXXX. And a XXXX XXXX account number XXXX. I asked all three credit reporting agencies for the letter. I need from the XXXX XXXXXXXX Trustee that says I can have a credit card. I have not received a copy for that letter. The next steps I will take is a court order to comple that letter. If not received from XXXX XXXX. They are in violation ilof federal laws.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

To Whom It May Concern, I have been trying to remove a XXXXXXXX XXXX XXXX account from my Experian Credit Report, which I'm only an ( authorized user ) on for 3 Years. I have tried disputing this account 5 times between the dates of XX/XX/XXXX - XX/XX/XXXX with no resolution.
Consumer complaint received 2024-06-10
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. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-06-10
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. (NJ)

I am writing to inform you that my social security number has been compromised, resulting in identity theft. I have reported this to the Federal Trade Commission and enclosed the FTC Report with this letter. 

Under 15 USC 1681c-2 c ( a ), you are required to block and remove all fraudulent information from my credit report within four business days. The following accounts are unverified and inaccurate, violating my consumer rights under the Fair Credit Reporting Act ( 15 USC 1681 ) : ACCOUNTS BEING CHALLENGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Premie - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Original Creditor : XXXX INQURIES BEING CHALLENGE : XXXX | XX/XX/XXXXXXXX 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 SXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX If you fail to respond promptly, I will pursue legal action, seeking damages for each violation under 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 USC 1681o ) Civil liability for willful non-compliance ( 15 USC 1681n ( b ) ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 USC 1681b ) Method of verification ( 15 USC 1681i ( 7 ) ) Right to privacy ( 15 USC 1681 a ( 4 ) ) Requirements relating to information contained in consumer reports ( 15 USC 1681c ) I demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided the necessary information to facilitate this process and request that you acknowledge receipt of this letter and provide a timeline for resolution.

Additionally, I am aware of delays in processing consumer disputes and challenge your belief that third-party assistance justifies such delays. This is a violation of 15 USC 1681i, and any delay will be forwarded to my attorney.

Please acknowledge this letter and provide a timeline for resolution.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX # XXXX ), Has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2024-06-10
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. (IN)

I was a victim of identity theft and I am currently in distress and suffering XXXX XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-06-10
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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  XX/XX/XXXX
Consumer complaint received 2024-06-10
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. (TX)

Below I will attach proof of identity and address validation along with supporting documentation so On XX/XX/2024 I XXXX submitted a dispute via certified mail to XXXX and Experian and XXXX Im a victim of identity theft / fraud all credit reporting companies fail to protect my consumer rights and did not remove fraudulent accounts and inquiries on my personal credit report which Cause emotional distress I and my attorney now have to file a civil lawsuit in court for violating Texas penal code 605b of the fair credit reporting act my attorney have filed against all above companies in federal court as of XX/XX/XXXX XXXX FAIL TO REMOVE ALL INQUIRIES WHICH ARE FRAUDULENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX XXXX XXXX co XXXX Experian did not remove the fraudulent account. 
XXXX XXXX XXXX {$710.00} Also fraudulent address XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not remove fraudulent accounts and inquiries that I did not authorize ACCOUNTS 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
Consumer complaint received 2024-06-10
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. (MI)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC. (FL)

I have old credit card debt that has been re-aged. 2 accounts with XXXX XXXX, 1 with Midland Funding, and 2 with XXXX XXXX. All of these debts are over 7 years old, yet dates have been wrongfully updated. Accounts have been closed/charged off for a number of years. No payments, no contact with debt purchasers. All of these accounts have had the dates adjusted by the debt purchaser. Some of these are over 10-12 years old