davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NC)

Requested admin forbearance, waited the 21 business days, no documents or notes have been updated to my account, made 4 payments, two are not showing at all ( not even as processing g ) money came out of my bank on XX/XX/23. Contacted EdFinancial and rep state it could take 4 business days which would have been XX/XX/XXXX, but it's still not reflecting my payments nor a forbearance.
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 (CA)

I was initially assigned to XXXX XXXX XXXX for my student loan repayment during my time in graduate school. Due to the restructuring of the Student loan system, I was reassigned to XXXX XXXXXXXX, then ED Financial before finally being reassigned again to ED financial on XX/XX/. Then again to ED economic a third time. 

Interest rates restarted XX/XX/. 

I have had my additional student loan payments reversed and had to pay additional interest I would not have needed to pay due to payment reversals. 

The first occurrence occurred before student loan interest started to accrue. This happened on XX/XX/XXXX   when I made a payment of XXXX, a payment of reversal occurred for {$2000.00} the same day XX/XX/. 

Payment on XX/XX/XXXX   for {$8700.00} was made ad a payment reversal occurred on XX/XX/XXXX  for {$370.00}. 

I made my third final payment to pay off all of my student loan balance on XX/XX/XXXX   for {$1000.00}. It was entirely reversed on XX/XX/. As of XX/XX/2023 at XXXX XXXX, I currently have a total current balance of {$1000.00}. XXXX $ of interest that I have necessarily paid on top of interest accrued when my prior payments were made on XX/XX/2023. 


I have sent ED Financial a message on XX/XX/2023 due to the face they lacked a contact page or email for me to contact them in regards to this issue. I find it unacceptable that they selectively cause payment reversals, leading me to pay unnecessary interest when I make additional payments throughout the month to bring my principal balance down so I can reduce interest fees from accruing.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I believed the economy was in a downturn, but upon reviewing my credit report, it's evident that my situation is far worse. The report is riddled with inaccuracies that are causing me XXXX  XXXX. I'm determined to assert my consumer rights, but it's disheartening to navigate this ordeal, especially knowing I can't even afford to see a XXXX  due to the low XXXX XXXX caused by these errors which is making me XXXX.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (FL)

The student loan on my credit report were paid off and Balance at XXXX. Edfinancial is reporting as if I have a balance with them even after the servicer was changed to XXXX by the department of education.

I attempted to dispute with bureaus and it came back as updated.

I contacted Edfinancial over 65 days ago to have this properly updated and they have failed to do so even after confirming I have no current loans with them.
Consumer complaint received 2024-07-03
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (AZ)

This is old XXXX  and cc debt that is over XXXX XXXX XXXX, they can not collect on it. Keep calling me from dozens of different phone numbers and then they never answer, they just keep auto calling me.
Consumer complaint received 2024-08-02
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc. (PA)

I have been hit with {$74.00} in fees for at least 3 months in a row as money lion has tried forcing these payments on every negative account that is on file. 

MoneyLion was not authorized to draft that account automatically. I previously had used that account to make payments. MoneyLion took the liberty to auto draft that account and has caused me a lot of irreparable damages and fees.

Given that the account drafted was used to make a manual payment I was well within my rights to report these charges as unauthorized to my bank account. I was hoping to have MoneyLion Bring a resolution that wouldn't have me resort to that.

MoneyLion saw it fit to use that account that was specifically used to make a manual payment to auto draft payments when the checking account denied their auto drafts. Conveniently the moment I ended the chat with the agent. The same account gets automatically charged for the same charges that I reached out to MoneyLion to request for them to stop automatically charging as they were not authorized to do so ever.
Consumer complaint received 2024-08-05
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: Resurgent Capital Services L.P. (RI)

In the last few months, I noticed the presence of an account in charge-off status on my credit report, which reports having been transferred to a third party. This third party reports a collection for which I did not receive notification from either the creditor or the collection agency. The fact that these two accounts are reported under the same account number can be considered a duplication on my credit report. I sent a letter to both entities in the hope of resolving this situation ; however, neither of them has communicated with me or provided any response, which incurs several violations of the 15 USC code, specifically the following sections : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Consumer complaint received 2024-07-09
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. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA (TX)

For the months XXXX, XXXX, and XXXX reported my payments as being late and they were not late. I informed the supervisor that they couldn't just post my payments to my account when they wanted to and then report to the credit bureaus that it was late. We went back and forth and I informed him I can report XXXX to the CFPB, the guy said he didn't care. I asked to speak to the person in charge of him, I was informed they would give me a call and no one called, that's when I decided to take action. I also cited to them section 15 U.S. Code 1681le-compliance procedures. 
( b ) Accuracy of report 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.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MN)

There is a posted transaction on my account for {$220.00} on XX/XX/2024 however I sent that money on XX/XX/2024 to someone who I met on XXXX who was planning on doing my eyelash extensions. She had me send a deposit of XXXX $ that would hold my appointment with her and towards materials with my full price being XXXX. After sending my deposit of {$220.00} she then blocks me from contacting her further when I try to message her about my appointment I am no longer able to contact her. I used my boyfriends account to reach her and she blocks me on his page as well. I was charged XXXX without receiving any services that was promised. This lady scammed me and took my money and now theres no way to get my money back according to XXXX  even though I paid using my debit card. 

I already filed a claim with my bank and they are telling me even though its a fraudulent transaction since they cant get their money back from XXXX  that i will still be penalized for falling victim to a scam this is wrong.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (TX)

I pay my taxes every year via USPS with a company check. I did the same in XXXX and after following up, looking in my account the check was cashed in the amount of {$8400.00} to the United States Treasury. The years after that, there was no notification that my taxes were not paid from the IRS. After inquiring about collecting Social Security in XXXX, I saw on XXXX  website that my earnings for XXXX were not documented, and that is when I started looking into this. I spoke to Social Security, and then IRS and in XXXX of XXXX made an appointment with IRS and determined there was fraud. 


I contacted my bank, which is XXXX of XXXX, and they determined the check was not altered or endorsed but deposited into a personal account of a Wells Fargo customer. To prove fraud we contacted the XXXX XXXX XXXX XXXX XX/XX/XXXX which then determined it was fraud and this took until XX/XX/XXXX. XXXX Bank, XXXX filed an affidavit to Wells Fargo XX/XX/XXXX and Wells Fargo responded from Dept of Exception Payments denying reimbursement due to three year reclamation XX/XX/XXXX had expired. I was not aware of all of this until XX/XX/XXXX. 


I worked on this for months after XX/XX/XXXX calling Wells Fargo and going into their locations without getting any answers. Calling the Secretary of State, XXXX complaint, and also trying to find a Registered Agent for Wells Fargo so I can file small claims on Wells Fargo with no luck. I also contacted the IRS, after them now sending me an outstanding balance in XX/XX/XXXX, including interest on the payment they did not get in XXXX. 


Although the Wells Fargo customer tried to commit Fraud, Wells Fargo facilitated them by not catching and correcting their mistake of depositing an non- endorsed check made out to the United States Treasury . Ultimately stealing from the IRS!
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MicroBilt / PRBC (formerly CL Verify) (FL)

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) NAME : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (FL)

I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) NAME : XXXX XXXX LAST NAME : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a debt validation letter & request for copies of the credit card bills to XXXX XXXX XXXX noted that some charges are a result of identity theft. XXXX didn't provide me the bills listing all charges. Instead, they illegally re-aged the account which they purchased from the original creditor. Although I have sent numerous certified letters to both Transunion and XXXX, neither have taken the prescribed required measures to correct and delete the accounr.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is 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 2024-07-09
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. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and XXXX the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2024-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-25
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. (MN)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-08-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: ADP Inc. (WV)

Disputed Transaction # XXXX : XX/XX/year> XXXX {$31.00} Disputed Transaction # XXXX : XX/XX/year> XXXX {$120.00} Disputed Transaction # XXXX : XX/XX/year>XXXX XXXX XXXX {$71.00} Wisely by ADP denied the disputes for all XXXX transactions without evidence or approval from me. I was told by the dispute department it was mandatory I signed the paperwork for the investigation because they would not/could not start it without my signature. But when I called a few days later, I was told the disputes were denied, and I never signed the paperwork. I have sent multiple letters to the company, but they have ignored them, I have not received any type of response.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have sent numerous letters to the credit bureaus and also the original creditor. Neither have been able to provide the information requested on this account. I've also spoken with reps stating there's not even any activity on the account nor has there been any activity so I am curious to know why is there a charge. There's no type of device even on the account and this was stated on the call that took place with an XXXX XXXX XXXX name XXXX on a recorded line on XX/XX/year> around XXXX stating there's no information on this account and it would be thoroughly investigated. Here it is almost a year later and I have no heard anything back from them. I'm almost to the point of getting my lawyers involved because the credit bureaus are not really investigating these matters and not providing the accurate documentation that is requested from them. This is damaging my credit.
Consumer complaint received 2024-07-09
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. (CA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus 06/07/2024, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance : {$XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX MRV BK/REVVI XXXX XXXX : {$XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: INDEPENDENT BANK GROUP, INC. (VA)

I opened a checking account on XX/XX/year> with {$25.00} deposit with Independent Financial Bank based in Texas. Later on XX/XX/year> XXXX paid me {$3900.00} which was direct deposited in this checking account. It's been over 1 month ( since XX/XX/year> ) and today is XX/XX/year> and the available balance still shows {$25.00} ( my initial deposit ) but the current balance shows {$4000.00} ( including the above {$3900.00} payment from XXXX XXXX ). I have tried several times to send messages and even called their phone number several times to clarify the issue so I can have access to my funds. After multiple attempts I am unable to get them to respond or update the current balance so I can withdraw the money. Also I was never sent a debit card so I can't use a debit card to withdraw my money. 
It is frustrating that I can not withdraw my own money and they are holding my funds hostage without any explanation. Please help me get my money. I will appreciate your help. I have provided my address I used to open this account online. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX PS : Let me know if you need any other information to resolve this issue.
Consumer complaint received 2024-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX  are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX  UNI XXXX
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: EQUIFAX, INC. (NC)

I am filing this complaint personally. After examining my credit report, I noticed late payment entries. Despite sending correspondence more than 30 days ago, I have not received any reply, nor have they adequately verified these entries. I seek your help in addressing this issue.