davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-08
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. (GA)

I am writing to you with a sense of urgency and righteous indignation regarding the gross violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B and 604. The wanton disregard for the law and my rights as a consumer by the involved parties demands immediate and aggressive action to rectify this injustice.

The deletion or suspension of accounts following a data breach and unauthorized inquiries is not merely a suggestion but a legal mandate under FCRA Section 605B [ 15 U.S.C. 1681c-2 ]. Additionally, FCRA Section 604 [ 15 U.S.C. 1681b ], which outlines permissible purposes of consumer reports, is unequivocally relevant in this context. 

I am formally disputing the accounts detailed in my consumer credit report, which are clearly stemming from data breaches or fraud. The gravity of this situation can not be overstated, as it represents a direct violation of my rights as a consumer. I demand concrete, verifiable evidence bearing my signature or electronic signature to substantiate these claims. 

It is abundantly clear that these actions were initiated without adequate validation or presentation of original evidence from any of the reporting entities. Such egregious disregard for protocol and consumer protection laws can not be tolerated. 

I implore you to take immediate and decisive action to address this matter and ensure that justice is served. The involved parties must be held accountable for their XXXX  violations of the law and the harm they have caused me as a result. 

I expect nothing less than a thorough investigation and swift resolution to this matter. Anything short of that would be an affront to justice and a failure to uphold the principles of fairness and accountability that are enshrined in our legal system. 

Thank you for your attention to this urgent matter. I eagerly await your prompt response and the actions you will take to right this wrong.
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: EQUIFAX, INC. (OH)

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 2023-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (FL)

On Saturday, XX/XX/XXXX at approximately XXXX I received a telephone call from a debt collector who identified themselves as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX, alleging that I owed {$420.00} from XX/XX/XXXX for a XXXX XXXX. 

I telephoned XXXX, with the agent from XXXX XXXX XXXX ( hereafter referred to as XXXX ) conferenced on the line. The XXXX agent went over the order number in question ( Order # XXXX ) and explained to the agent that the item ordered had been cancelled. At which point the agent informed me that she would pass the information over to her 'account team ' for 'verification. ' I then received a letter from the agent, XXXX, at XXXX telling me that because it was coded as a 'bad debt writeoff ' ( it is obvious that my cancelled order was incorrectly coded by Bread Financial, the loan provider ) I therefore owed the amount in question. Despite the order having been canceled and no item received. 

It is seems rather obvious that Bread Financial must have incorrectly coded the return and the sold off my account, along with other 'bad debt ' to this collection agency. Now they are attempting to collect a non-existent debt even after having been told that the item/order in question was cancelled. 

Pursuant to FDCPA 807, 2 ( a ) they are in violation by attempting to collect a debt which they have been informed, from the originator, was not correct. 

Your help would be greatly appreciated.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

XXXX XX/XX/year> I filed complaint # XXXX against Equifax for failing to abide to the federal law COPY OF MY REPORT again XX/XX/year> submitted more documentation to prove Equifax responses to be frivolous and delaying time SEE THREAD as of now open company reviewing and delaying, attached new documentation that there responses etc SEE ATTACHED there response and my request they have identified me as we FLAGED MY ACCOUNT AS A VICTIM OF FRAUD ( I HAVE NEVER BEEN A VICTIM AND NEVER REQUESTED A FRAUD ALERT ON MY ACCOUNT ) I only requested a consumer Statement to prevent future fraud, Equifax in whole as deliberately put a fraud alert on my account knowing the obstacles etc preventing throwing up flags to question anyone to extend credit in my name SEE DENIAL TO XXXX XXXX XXXX BECAUSE OF THIS then they pound me with there paid service to boost my score and tailor to my likings and results at this point I have nothing to dispute and or know what's correct and not because as of today XXXX I STILL HAVE NOT RECIEVED MY REPORT
Consumer complaint received 2023-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (OH)

Started making payments on my Parent Plus Loan to Edfinancial on XXXX XXXX. 
I have done 3 payments on the loan, on XXXX. Each time it has processed on there end but no payment has been taken from my back account. So Ed financial reversed the payment. All bank information is correct. I have tried to reach out to Ed financial and have not received any communication back from them. This will start to mess with my credit score if they don't get this straightened out. It needs to be addressed now by the government. It's messing with people 's lives.
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

From XX/XX/2019 to XX/XX/2019 submitted disputes about inaccuracies on credit reports. They Always sent back verified but never sent the results of said verification. No proof of verification.
Consumer complaint received 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (IL)

The company incorrectly processed two of my payments. I made one payment for {$5000.00} and another one for {$8000.00} a few days later. They applied them to the exact same loans ( I had about 6 loans ). Now some of my loans are saying I have balances due, while others say I overpaid. The sum of the ones overpaid equals the sum of the ones that still have a balance due. Aka they should be fully paid off. Additionally, they also charged me interest for the remaining amount- even though I have paid this, it was just not processed correctly. I have tried emailing, chatting and calling them for the past two weeks. I have called and waited on hold for 5+ hours, and well as requesting callbacks. I have gotten NO contact from them
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX ; XXXX and Transunion are reporting incorrectly unpaid student loan collections for DP OF EDUC and XXXX XXXX partial account numbers XXXXXXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages 10, 11, and 12 of the attached credit report. I have also attached a spreadsheet with the account numbers and balances reporting on the collections. ) There was a garnishment for over {$8000.00} on my tax return for collection of these student loans. I originally came to a settlement agreement with the Department of Education for {$1900.00}. I was not aware of any garnishment proceeding until I filed my taxes. I received confirmation from the I.R.S. that this garnishment was from XXXX. I contacted the Department of Education on multiple occasions only to be told that a garnishment was never initiated from them. The fact remains that I was garnished and no one can confirm to me who filed this garnishment even though the I.R.S. said it was from XXXX. I have not been able to speak to anyone further with the Department of Education that can provide me with more information. They are denying they ever garnished my wages. There has been no further communication with me regarding where this money has gone. This incorrect reporting is harming my credit score. Please  remove this line item from my credit report.
Consumer complaint received 2024-06-08
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. (GA)

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. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, Contract Callers : # 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 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 2023-10-11
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)

Since the loan forgiveness was a complete fail. I now own {$4700.00}, I tried to pay this in full on XXXX XX/XX/2023, on the same day the payment reversed. I then reached out via phone and due to the long wait I requested a call back ( which they told me would be within 24 hours ), I never received a call. I then tried to reach EdFinancial Services by online chat, and the represtivitive could not answer my question, because it was a robot. I then tried to make another payment on XXXX XX/XX/2023, but it was reversed AGAIN! 

This is so frustrating and it is causing more emotional pain and suffering than I ever expected. I am losing sleep over this issue all because EdFinancial Services does not have a proper payment portal? This is taking time out of my work day. I should be compensated for the time, pain and suffering they are causing me Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (SC)

Payment to student loan submitted on XX/XX/XXXX, and scheduled for withdrawal from my bank on my payment due date of XX/XX/XXXX is recorded as past due on my XXXX statement. It was withdrawn from my bank, I do not know why EdFinancial would show it past due. 

Secondly, my XXXX statement ( which is the only statement I can access now -- despite my loan history going back to XXXX ), is showing the interest rate on my loans as variable. All of my loans are Federal loans going back to origination dates of XXXX and should have FIXED rates. 

I have attached the XX/XX/XXXX statement showing both the payment error and the interest rates.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with XXXX - XXXX 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 me 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.

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. 


XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-10-11
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 (NC)

I received a letter in XXXX of 2023 that my student loans were approved for a borrows defense. I should be receiving a refund of all money 's paid on my loans. I spoke with Ed financial and they told me I had a refund of {$3300.00} coming. My loans were {$60000.00}. I paid {$13000.00}. XXXX was written off in my XXXX 's defense. These amounts aren't adding up. They told me my check was sent to the US Treasury to be printed and sent to me on XX/XX/XXXX. Then I've spoken with at least 10 different people. I have first names and dates. Now I can't reach anybody by phone and they told me it should process soon and it is now XXXX. As an individual. Do I need to contact an attorney .... Doesn't seem like anybody 's here to help the consumer. Once they have your money. Nobody has to account for it. I think the next step is I'm going to reach out to a local news station and show them all the responses for all the people that aren't receiving their money from this company and see if it goes nationwide. What are these people doing with everybody 's money.
Consumer complaint received 2023-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

A temporary authorization was placed on my credit card account in the amount of {$320.00} by XXXX on XX/XX/2023. I was assured it would be removed immediately upon receipt of their returned XXXX  pre-paid item. 

The item was returned back by XXXX on XX/XX/2023 per attached receipt. Receipt of delivery was confirmed with XXXX by phone on XX/XX/2023 and I was assured the creditor was notified and the authorization amount was removed. I was told it might take 3-5 days to show on my credit card account but the merchant would be able to confirm it was done prior to it's posting. 

As of today XX/XX/2023, Citi card continues to hold the {$320.00} against my available credit line and insists they have no record of the authorization being lifted. I filed a dispute in order to get a temporary credit for my available credit line to be corrected. They will not give me a credit because an actual charge was never made, only an authorization. However, I am still absent my available credit of {$320.00} and they refuse to reinstate it. Citi said I just have to wait 30 days for it to fall off.
Consumer complaint received 2024-07-31
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: OneMain Finance Corporation (NY)

Through XX/XX/XXXX through XX/XX/XXXX are a handful or credit reports I never personally authorized to check my store or to know what my financial status is at that current moment. Anyone online can get information and try fraud under the radar unless you keep up on things.
Consumer complaint received 2023-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX of XXXX, PA was to help me with a work related assignment but she never showed up to the job site. Upon mentioning my concerns for the money sent back to my account she replied with a scammy message. 

Since XX/XX/ I've requested the money nearly 5 times via XXXX and no response. 

I've contacted my bank and they've stated it will take 45 business days to research into the claim I opened against her account. 

Therefore, I'm submitting this report to have the police contact her personally at XXXX ( XXXX ) XXXX. 

Perhaps the police can help her to release the funds that do not belong to her. 

Someone please help me.
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: EQUIFAX, INC. (CA)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

My account with all the companies that I included on the document 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 in the months that I was late to be removed. 

They are not in compliance with the following law. 

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2023-10-05
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 (AZ)

My XXXX XXXX discharge was processed on XX/XX/2023. I was informed by the Department of Education that the refund is pending processing by my servicer, EdFinancial. In my account portal, I can see the discharge and refund dated on XX/XX/2023. EdFinancial advised to wait 60 days to receive my refund of payments. 

The refund of payments has stayed at a negative balance, and no one at EdFinancial can update me. I wait on hold for hours each day. Once I finally receive a callback, the EdFinancial representative pretends to not hear me on the other line. This has happened repeatedly each week during the callback. However, I have no issues with any other caller. 

I have attached the statement, showing the negative balance on my account.
Consumer complaint received 2023-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NY)

In XXXX of XXXX I submitted a request for a refund of payments made during the XXXX forbearance period. EdFinancial agreed to refund my money. However, they have now added the money back to my loan balance without delivering the money back into my bank account. When asked for an estimate on how long it would take, they told me to " be patient '', and that they could offer no estimate. The extra balance in my account is now accumulating interest, while I am left empty handed of the refund. With no estimate on when the balance will finally reach me, this feels like theft.
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: EQUIFAX, INC. (MI)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.