davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-02
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 on 8 separate phone calls with Different EdFinancial customer service people and have been trying for over 3 weeks to paid the unpaid accrued interest on two loans. First o tried with using my credit card, they told me they only accept debt. 
I moved the funds to my checking and called back. Then I was told they need my banking information and I gave that, which they did not entry correctly and funds were trying to be removed from my saving. This processes happened twice, each time with me calling back. This last time over the phone I removed all banking info from my online account which they had placed two different accounts, one checking and one saving. I removed all the info and re-entered banking info myself. While on the phone the customer service person told me the payment I have been trying to apply to the unpaid accrued instead did not get allocated correctly and now I have a call back request in for a second time to speak with a supervisor and the customer service person told me they are having issue with the allocation on loans and IT is aware of the problem. He put in a request for accounting to fix the allocation issue. 
So at this point I have no confidence in EdFinancial in handling payments on student loans.
Consumer complaint received 2023-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (WI)

I applied for the XXXX plan. My lender was notified on XX/XX/XXXX. 

My lender ( ed financial ) did not transfer my account to SAVE. My lender kept me on my old plan and charged me {$1500.00} per month, on the old plan. My lender did this for 2 months after the XXXX plan request was provided to them. 

I called on XX/XX/XXXX to ask why the change had not taken place. The first associate said that the change can take up to 39 days. I informed the associate that 52 days had passed since the change being requested. The associate was not able to provide further information. 

I called again on XX/XX/XXXX and the next associate said I needed to pay a {$5.00} fee to have the request processed. I provided account information to process the request. I was never informed of this {$5.00} charge before this date. 

Ed Financial defrauded me of {$3100.00}.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights. Specifically, 15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency can not furnish a consumer report without the consumer 's written instructions. Additionally, under 15 USC 1666b, a creditor must not treat a payment on a credit card account in a manner inconsistent with the terms of the agreement or without proper disclosure. 

This dispute concerns a late payment entry reported by XXXX XXXX XXXXXXXX for XX/XX/year>. The inaccurate reporting of this payment violates my rights under the FCRA.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/updated.

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. 

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!
Consumer complaint received 2023-10-13
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: EdFinancial Services (NJ)

My old student loan XXXX XXXXXXXX XXXX  management who is no longer in business with the department of education mis represented my payment history and has severely affected my credit in a negative way. I still have the false late payment history listed as XXXX missed payments after XXXX of rectifying. I have lastly seen the payment history dates seem to change a bit but still no removal or rectifying of the credit report.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

In my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent account consist of a XXXX XXXX account opened on XX/XX/2023 under the account number XXXX on my consumer XXXX credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies 3 bureaus : Experian, XXXX, and XXXX Someone open a fraudulent account in my name {$500.00}. My name is XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX account opened XXXX. 
. These accounts have resulted in a fraudulent collection appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I looked at my report and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I sent a letter asking them to reinvestigate these accounts listed below because. 

XXXX XXXX date is not reporting correctly, date last active, date of last payment is not correct. This account it not accurate. 

XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct. This account it not accurate. 

I have also received your computer generated letter stating investigation of my credit reports because, in your opinion was sent by a third-party credit repair agency. Not only do I be this was strategy to grant you an additional 30 days. I also believe it to be a blatant violation of the FCRA. I provided my state issued ID, Social Security card as well proof of residence so that it would be no confusion. ThatI questioned the accuracy of a few items quest was written by me and mailed by me not third-party agency or anyone else. Please stop with thestall tactics.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my credit report and detected one or more accounts reporting inaccuracies and errors. I request the agency to review, correct and update the information that is not correct and accurate in all reports ; stories like : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-07
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. (TX)

I am seeking your assistance with an incorrect account appearing on my credit report. This issue is harming my reputation, and I need your support to resolve it. The bureau must update and remove the inaccurate reporting as it has been causing undue harm to my credit standing.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
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. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (MA)

To Whom It May Concern : This letter is regarding account # XXXX which you claim I owe {$160.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond- ing local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My contact information is as follows : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MA XXXX Last 4 of SS XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : Better Business Bureau
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: DISCOVER BANK (PA)

I attempted to make a wire transfer through my online bank, Discover bank, and was asked to repeatedly verify my identity. Despite providing the necessary documentation multiple times, the bank requested that I upload my IP address and a selfie for further verification. I was uncomfortable complying with this request due to privacy concerns and the potential for identity theft, especially considering recent high-profile cases of such data being misused by hackers. 

When I decided to close my account and requested the balance to be sent to my address, the bank refused to process my request. I made several attempts to resolve this issue by contacting customer service, but each time I was met with unhelpful responses and no resolution. Additionally, my request to cancel the wire transfer was ignored, leaving me in a state of uncertainty and distress. 

The bank 's handling of my requests has been highly unprofessional and has caused me significant financial inconvenience and XXXX XXXX. Their refusal to close my account and disburse my funds is unacceptable and has deprived me of the ability to earn interest on my money elsewhere.
Consumer complaint received 2024-02-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (IL)

On XX/XX/XXXX I transferred funds to a spend account to cover payment to a new credit builder account and also moved a large sum of money to a savings account. On XX/XX/XXXX, I received a notice that the automated debit to cover the credit builder payment had not gone through. When I logged into the credit karma app, it showed balances in the spend and savings as XXXX. When I refreshed the app, the accounts showed as closed, recently access to the accounts is impossible. After many many attempts at getting an answer, I was told the affiliate bank had closed the account. I was told via email that a paper check was mailed to my address. Unfortunately the check supposedly went to an address where XXXX havent lived for a year and a half. I was told that if I proved my identity the check would be mailed to my current address. I complied with that request twice, providing photos of both sides of my license and XXXX bills with my name and address. When I spoke with customer support this morning I was again told I would get an email to resolve my issue and it was the affiliate bank ( XXXX XXXX  ) who was at fault for closing the accounts. I have not received an email as of this writing. Thank you
Consumer complaint received 2024-10-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (CA)

I pay {$130.00} every two weeks.Total Payment Amount {$130.00} Principal {$17.00} Interest {$110.00} Fees {$10.00} According to the contract they charge Annual percentage rate : 490 % Please verify if that is against the law accordingly to California in interest rates on loans.
Consumer complaint received 2024-08-13
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. (IN)

I am not liable for this debt with XXXX XXXX. I do not have a contract with XXXX XXXX XXXX trying to collect money from me for something I do not owe. I did not sign a contract with XXXX XXXX XXXX. XXXX XXXX  XXXX did not provide me with the original contract as I requested. 
Account Number- XXXX Balance- {$XXXX} Date opened- XXXX XXXX
Consumer complaint received 2024-08-07
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. (WI)

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 : Balance : {$2300.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2024-08-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (CT)

Payment was made for my auto loan on XX/XX/year> and 10 days later Santander Consumer reported my payment as being late to XXXX, XXXX, XXXX, resulting in a significant decrease in my credit score.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Control, LLC (NC)

Under the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ( a ) ), it is emphasized that consumer reporting agencies must uphold fairness, impartiality, and respect for consumer privacy. As a consumer, I have the right to ensure that my personal information is not disclosed without my consent, as stipulated by 15 USC 6801, which mandates that financial institutions must protect the privacy and confidentiality of their customers ' nonpublic personal information. A " furnisher of information '' to credit agencies qualifies as a financial institution under this law.

According to 15 USC 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies are allowed to provide consumer reports only in accordance with the written instructions of the consumer. Neither XXXX nor XXXX has my written consent to share my information. Therefore, all forms of consent to these agencies, whether verbal, non-verbal, written, or implied, are revoked. 

Furthermore, XXXX XXXX XXXX ( b ) ( c ) states that a financial institution can not disclose nonpublic personal information to nonaffiliated third parties without informing the consumer of how to opt out. The " furnisher of information '' did not inform me of my opt-out rights. Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information that is more than seven years old in a consumer report. The adverse item being reported is in violation of this law, as it is being reported without my permission.

According to 15 U.S. Code 1681s2 ( a ) ( 1 ), a person must not provide inaccurate information about a consumer to any consumer reporting agency. Also, 15 U.S. Code 1681e requires that consumer reporting agencies implement reasonable procedures to prevent violations of 15 USC 1681c and to restrict the use of consumer reports to authorized purposes. It appears XXXX and XXXX are failing to follow these reasonable procedures. 

Lastly, under 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time. I am formally opting out of your reporting services.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (IL)

I am writing this request to CB/XXXX that I have been a victim of identity theft and I want to dispute specific records in my credit file that is fraudulently reporting on my credit report. The account I have been challenging is the result of the fraudulent information that is damaging my reputation. and I want all the information in my credit report to be accurate. I have attached a copy of the FTC report to support this complaint with the report number XXXX.