davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

Hello, I have made numerous payments on Edfinancial portal, only to be notified of a payment reversal afterward. On multiple accounts, my payments have not gone through since XX/XX/XXXX. I have notified Edfinancial without any resolution of the issue. It is my goal to pay off my student loans as fast as possible and mitigate accrual of interest. 

I have reached out to Edfinancial via phone and email about these issues since XX/XX/XXXX. When speaking with a representative on the phone, I have been told that the issue would be explored. I have had this conversation 3 times without a solution or follow-up response. I sent an email in XX/XX/XXXX. XXXX months later, I received an email promising a follow-up email with a form to fill out to investigate this issue. I never received this form. The most recent phone conversation was XX/XX/XXXX informing me that there would be an account exploration. I was informed that I would hear a response within XXXX business days. Yet again, I never received a response. 

I checked with my bank, and this is not a banking issue. The problem is confusing because sometimes payments go through on Edfinancial, and sometimes, they do not. Since the beginning, Ive had my Edfinancial account linked to XXXX different bank accounts. With both accounts, the payments have not gone through. 

Im wanting to make XXXX types of payments : autopay and additional mid-month payments. I have been enrolled in autopay for multiple years. My autopayments have also not gone through since interest rates started reaccumulating in XX/XX/XXXX. Even though Im enrolled, Ive been notified of XXXX late payments. This issue is very frustrating. Im wanting to make timely payments with additional payments, but Im unable to do so. I was also told on XX/XX/XXXX that the autopay issue would be explored. 

In total, I have tried to pay {$26000.00} that has been reversed on Edfinancial website. This is {$26000.00} that has been accumulating additional interest since XX/XX/XXXX. 

Of these attempted payments, {$22000.00} was attempted to be paid before XX/XX/XXXX. Since then, {$22000.00} ( that I already tried to pay ) has been accruing interest at an average rate of XXXX XXXX 

Ive included a document with history of payments and subsequent payment reversals.
Consumer complaint received 2024-02-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services (MA)

To Ed Financial Services XXXX XXXX XXXX XXXX, TN XXXX Re : XXXX This letter is in response of your documents sent to me on XX/XX/XXXX. As I stated before in my previous communications with you. I CHALLENGE THE ACCURACY, COMPLIANCE AND REPORTABILITY OF YOUR LISTING. THIS IS A FORMAL NOTICE THAT YOUR CLAIM IS BEING DISPUTED. 
Please you need to validate this information with the schools and provide me copies of any documentation associated with this listing with my signature. YOUR DATA IS INCORRECT. 

You had 15 dates/items listed under Ed financial which you sent to XXXX credit bureau under my name. I forwarded this information to Consumer Financial Protection Bureau. Please contact schools you name in your listing and send me the correct information XX/XX/XXXX and XXXX XXXX which you claimed XXXX Please need valid information from XXXX because this listing is wrong. LISTING IS WRONG AND INACCURATE. PLEASE VERIFY. 

On XX/XX/XXXX was withdrawn from the program within time frame due to family illness. Went back to the school in XX/XX/XXXX till XXXX. Please need accurate information from the XXXX XXXX XXXX with my signature showing days attended and withdrew. 
YOUR LISTING IS WRONG AND INACCURATE On XXXX XX/XX/XXXX was attended. By end of XXXX was withdrawn from the program the first semester. Did not attend XXXX. Please get validate information from the school with my signature on it. YOUR LISTING IS WRONG AND INACURRATE! 

Parent Plus Loan. This loan was paid by the student, multiple loans had been forgiven and Ed financial had not been updated nor changed the information in my credit. it was reported to credit bureau that I owed {$150000.00}. the amount was incorrect. Ed financial refused to change it. instead he sent a new report to credit showing I owed {$280000.00} in school 's debt
Consumer complaint received 2024-02-02
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services (SC)

I received a call from EdFinancial about a debt they say was obtained in 2014 at XXXX XXXX. I explained to them that I did not attend XXXX in 2014 and that I did attend for a semester way before 2014 and I did not apply for a loan and I never received anything since attending there that I owed them. So the lady I spoke to said that she would send the fraud forms but instead I received XXXX 60 day past due notices. I called them today XXXX and asked them where are the fraud papers they said that it would take 43 days. I said by the time I receive them I will be in default for a debt that isn't mine and that I am not paying. I think they have deceived me into paying instead of allowing me to dispute it. My other loans are under the Borrowers Defense application so why is this one not. Thank you
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (PA)

I noticed my credit report score drastically change and also was denied loans. 
One of those loans being a auto loan that got denied due to this XXXX mistake. I have no other plan to come up with the money to purchase this family vehicle. 
I noticed the false information XX/XX/2024. 
I applied for a Auto loan XXXX XX/XX/2024. 

I called the Original Creditor and They told me its a issue I have to take up with XXXX themselves for reporting the false info. And they proceeded to send me my actual balance.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX {$420.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

I just got letter from Synchrony Bank for my XXXX XXXX XXXX XXXX ending XXXX. I am using XXXX XXXX XXXX apps and make payment through mobile apps. In letter dated XX/XX/year> stating after review of your account Synchrony bank decided to close my account the reason is " The number of dishonored payments on this account " and I called they said your checking account number is not valid and payment didi not go through, but without any notification to me and now they closed account and send me letter in mail. advice me reapply again.
Consumer complaint received 2024-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (FL)

Affirm keeps sending me messages regarding a debt, I have requested refund and or return of the item multiple times since its original purchase in XX/XX/year>. The item did not operate as advertised and upon arrival seemed like a scam. I contacted the original company and they refused to let me return it even if I provided the shipping. The product was {$1000.00} and I would like a refund as I have previously tried to get multiple times with no response or refusal of returns.
Consumer complaint received 2024-07-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX our company accounting department found out our customer, XXXX XXXX, through XXXX XXXX, sent several deposits of funds, over an approx. period of 4 weeks via ACH deposit, to an account at Chase Bank, totaling approx. $ XXXX, intended for my company XXXX XXXX. However, my company was not aware the deposits were no longer going to the account that the funds had been deposited in for more than 2 years. My company accounting dept. thought there had not been any payments due until they realized 3 to 4 weeks had passed with no deposits. Upon an investigation with XXXX XXXX we found out XXXX had been sent a fraudulent email letter requesting forms so they could change the location of any future deposits to Chase Bank. They forged my signature and submitted the forms and the funds began getting deposited to the account at Chase Bank. My complaint is that those funds were clearly intended for my company, why can I not get details from Chase bank on when the deposits were made, for how much, and more importantly, who received those funds? 

I have attached a copy of the form sent to XXXX asking for the change to have the funds deposited to the Chase Bank account. This is a forged document. I have also attached our original ACH form, filed with XXXX on XX/XX/XXXX and you can clearly see that the signature on the forged copy does not match my signature on the form filed XXXX.
Consumer complaint received 2024-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (WA)

We requested to have our PMI removed in XX/XX/XXXX. We completed a form and mailed a check to pay for a BPO to have an inspection performed to confirm our property was valued above the required threshold for PMI removal. The check was cashed on XX/XX/XXXX. We received a call and email on XX/XX/XXXX to schedule the inspection. Between XXXX and XX/XX/XXXX I was in touch with the broker and we scheduled an inspection for XX/XX/XXXX. The inspector didn't show up for the appointment, so I contacted her and she said the appointment had been canceled by the lender on XX/XX/XXXX and she didn't have any additional information. I reached out to the lender 's customer service via chat on XX/XX/XXXX and they weren't able to help me and advised me to contact customer service via phone or email. I attempted to contact the lender via phone that day and the customer service line wouldn't connect. I submitted a request via the lender 's website on XX/XX/XXXX and never received a reply. I was able to get through via phone on XXXX and the lender claimed that the broker hadn't been able to reach me or hadn't been able to access the property so they were refunding the payment for the XXXX and I would need to start the process over again. When I told them that I had been in touch with the broker and we had an appointment on the calendar ( so the reason they were giving didn't make sense ) they just repeated the same information. I reached out to the broker again while I was on the phone with the lender 's customer service agent and she reiterated that the request had been canceled by the lender and that the lender was aware of the appointment scheduled for XX/XX/XXXX. I waited on hold to speak to a supervisor in the lender 's customer service department ( I was on the phone for almost an hour ) only to have the supervisor tell me the same thing : they don't know how this happened and we'll need to restart the process. We've now paid XXXX extra months of PMI through this process and now are looking at having to continue to make PMI payments while the process starts over again.
Consumer complaint received 2024-07-04
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: EQUIFAX, INC. (NY)

I am writing to file a complaint against several banks and XXXX XXXX XXXX ( CRAs ) for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities continuously breach the following federal laws : 15 USC 1681b ( XXXX ) : Unauthorized access to my credit report. 
15 USC 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of the information in my credit report. 
15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 
15 USC 1681b ( XXXX ) : Improper use of consumer reports for adverse actions without proper notification. 
15 USC 1681a ( d ) XXXX ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. 

These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Please perform!
Consumer complaint received 2024-07-05
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: EQUIFAX, INC. (GA)

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 30 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 Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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
Consumer complaint received 2024-07-03
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. (IL)

PLEASE BLOCKED AND REMOVED I want to stress that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued.
Consumer complaint received 2024-07-05
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: EQUIFAX, INC. (CA)

I am writing to express my deep frustration and disappointment and to follow up regarding the numerous unsuccessful attempts to correct late open accounts on my credit report. Despite multiple communications and efforts on my part to rectify this issue, it remains unresolved, causing significant distress and harm to my financial standing. This complaint serves as a formal notification of the ongoing problem and my expectation for a prompt and effective resolution. Over the past several months, I have made repeated attempts to address the presence of late open accounts on my credit report. Despite following the proper procedures outlined by Credit Bureaus and providing all required documentation, the late open accounts persist inaccurately. I have contacted your customer service department on several occasions, spending considerable time and effort to resolve this matter, yet to no avail. Kindly help me correct the accounts immediately : XXXXXXXX XXXX XXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$320.00}.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 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
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (NJ)

In XX/XX/year>, I applied for the apple card. As stated in the promotional link, there should be {$100.00} open card bonus. But I never received that. I contacted Godman sachs for three times. Everytime they will ask me for a screenshot of the promotion link. I provided that. They said they will build that case. Then next time they will let me submit the screenshot again. This is an endless cycle. They just don't want to offer the bonus.
Consumer complaint received 2024-07-16
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. (CT)

Im ask that these hard inquiries on my credit report are removed off me accounts because these are not mine, nor is there any signed forms from me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-11
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: EQUIFAX, INC. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-08-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (SC)

I Purchased a XXXX in XXXX for a little over XXXX. I can prove that Ive made exactly XXXX payments as the contract stated. However, the balance on this account never changed when payments are being made. 
I contacted Ally bank customer service in XX/XX/XXXX, I was told that I had XXXX remaining payments and that my car would be paid off in XXXX. I made every payment and the balance never decreased with each payment made. On my most recent statement, past due payments listed are incorrect. Payments were made in XXXX, XXXX, and XXXX. In addition to that, I noticed thousands of dollars on my balance which looks to be late fees. I am concerned with the late fees specifically. The Late charge clause in the contract states that the late fee will be XXXX  % and will not exceed {$18.00}. I am being charged hundreds of dollars for each late payment. I believe I have me deceived by Ally Bank and Ally Bank Servicing. 
Why am I being charged excessive late fees? I would like an investigation into this account to find out why I have accumulated thousands of dollars in late fees, and, if there are any hidden fees that were not disclosed. Also, are the fees lawful? I am concerned that racial discrimination is a factor to consider on this issue. I fear that for many reasons. But, specifically, I know Ally can not prove every loan that names Ally as creditor are constructed to these identical standards of terms of the retail installment agreement. Ive tried to resolve my concern with Ally customer service but I never get a direct response. I have not received any clarification on this issue. Dealing with this situation has caused me to have severe XXXX. Please help me understand why I am paying so much for this vehicle and have not received title when I made payments to satisfy this account.