davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Date of Birth : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO WHOM IT MAY CONCEEN REGARDING MY CREDIT REPORT, I NEED YOU TO INVESTIGATE THE FOLLWING ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. I WAS NEVER LATE ON THIS ACCOUNT PER 15 U.S. Code 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 proced XXXX XXXX Account Number : XXXX Please remove alleged Late payment 2. I was never late on this account XXXX Account Number : XXXX I was never late on this account I demand you show me proof that I was every late with documents that supports these alleged late payments 3. I was never late on this account XXXX XXXX XXXX. 
Account Number : XXXX I demand these alleged late payments be removed from my credit report and account updated to paid as agreed 4. I was never late on this account XXXX XXXXXXXX XXXX XXXX Account Number : XXXX I demand these alleged late payments be removed from my credit report and account updated to paid as agreed I WAS NEVER LATE ON ANY ACCOUNTS LISTED AND NEED YOUR HELP BY PROVIDING ME WITH DETAILED DESCRIPTION OF ALL PROCEDURES USED IN YOUR PROCESS TO DETERMINE COMPLETE ACCURACY OF INFORMATION BEING REPORTED ON MY CREDIT REPORT. THESE ALLEGED LATE PAYMENTS ARE FALSE AND INACCURATE AND I DEMAND A FULL INVESTIGATION AND THEY BE REMOVED FROM MY CREDIT REPORT IF THEY CAN NOT SUPPLY PROPER DOCUMENTATION. 
I was never late on ANY ACCOUNT LISTED. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payments from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan and per 15 usc 1681a ( 2 ) ( a ) ( i ) ( 2 ) Exclusions.Except as provided inparagraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THIS IS CLEARLY A VIOLATION OF MY RIGHTS AND I WILL TAKE FURTHER ACTION TO MAKE SURE MY RIGHTS ARE BEING PROTECTED. 
XXXX Image not found or type unknown XXXX Image not found or type unknown XXXX Image not found or type unknown ONCE YOU HAVE FINISHED YOUR PROPER INVESTIGATION, SEND ME AND UPDATED CREDIT REPORT TO THE ADDRESS STATED ABOVE
Consumer complaint received 2023-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MS)

Starting XX/XX/2023 to current date XXXX XX/XX/2023, I am unable to log into the website to pay my student loans. I get an error saying they have no record of my loan but all my student loans are through them ( EDFinancial ). I've attempted multiple phone calls with over 3 hour wait times and attempted call backs but never received. As of now, EDFinancial is not allowing me to pay my student loans through proper means that will allow me to get confirmation. If i try to do phone call attempt, when I put in my social, it loops me back into the same prompt because the phone system doesn't have my account either.
Consumer complaint received 2023-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services ()

I have previously submitted a complaint regarding this company, complaint number XXXX. 

Background : Earlier this year, my loan servicer EdFinancial switched to a new online platform. I have received several e-mails informing me that my account and loans had been transferred to the new platform, and inviting me to register. However, I have been unable to do so. For unknown reasons, when I have attempted to register and login to my new account, I consistently get an error message. I have contacted customer support multiple times and worked with different agents, who have been unable to explain or rectify the problem. One even passed me on to their manager, who was also unable to help and could not suggest how to resolve the issue. This means that my only method of paying my student loan ( XXXX XXXX XXXX XXXX XXXX XXXX ) is to pay via 'online chat ' with a live agent, which is time consuming as each agent insists on trying to fix the above problem prior to accepting the payment, despite me explaining nothing has worked thus far. There are also times, like the last week, where online live chat has been unavailable and I have not been able to make an online payment. Of course I am concerned about not being able to make timely payments because of issues which appear to be on their end. 


Update : Since submitting the complaint, a response from EdFinancial was received asking me to screenshot an image of the error message I'm receiving and to send it to them. I sent a message to customer service and have not received a response. I have attached screenshot of error message to this complaint- this is what I see every single time I attempt to log in, regardless of the computer or device I'm using, whether I've requested a new password, etc. It never works. 

Additionally, now that live chat with an agent is unavailable, my only option for making payments is via telephone. Unfortunately, now their automated system seems to be malfunctioning- the message often cuts out mid-sentence, and the system does not seem to recognize when I type in my bank account number or the amount I would like to pay. I have tried no less than XXXX times over the last few days with absolutely no luck, and seemingly no way to speak to an actual real person. 

I have now been unable to log in to my account for several months. I can not access help via live chat, and I can not even use the telephone system because it does not seem fit for purpose. I have had no response to multiple inquiries sent via e-mail. 

I am getting extremely frustrated and find this completely unacceptable, particularly because if my payments are late, through no fault of my own, I will incur the penalties.
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/year> my credit card and phone were stolen, I submitted a police report with the XXXX police department and filed a report with my company since it was a company issued phone that was stolen. I contacted Chase that same day and let them know to close the card and I noticed charges were already posted. I disputed 4 charges- one at a bar ( {$26.00} ), two at gas stations ( $ XXXX {$26.00} ) and one at XXXX XXXX in Louisiana ( {$1200.00} ). The fraud department allowed 3 of the charges to be removed, but kept the most expensive charge for {$1200.00} at a XXXX XXXX XXXX in Louisiana. I submitted the police report, the phone report, and a history of my location for that day showing I was in XXXX on the day the fraudulent transactions occurred and I am still being held liable for the fraudulent purchase. I have reopened the closed investigation twice now and have not been successful at removing the unauthorized charge. I called the XXXX XXXX XXXXXXXX and they would not allow me to get a copy of the transaction or camera footage.
Consumer complaint received 2023-10-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services (NJ)

On XX/XX/2023, I repaid my student loan in full through EdFinancial for the amount of {$8000.00}. Originally my loan is only {$8000.00}, but they sent an email saying they would begin due dates in XXXX once interest began again starting XX/XX/2023. So, I paid the loan in full plus interest to avoid any more interest accumulation. I have a confirmation email showing the confirmation number stating the loan was paid in full. When I checked my account days later through my account on EdFinancial ( on XX/XX/2023 ), it said the payment has been reversed. I have received no notification showing that the payment was reversed and if I never checked than I would never know. Now I have accumulated even more interest. I will not be paying anything past the amount from XX/XX/2023. This is happening to several people across the U.S., please help me resolve this issue and be done!
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

My account with XXXX XXXXXXXX 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 those account 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 XXXXXXXX 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 2024-07-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE (GA)

XXXX XXXX contacted me in a letter on XX/XX/year> stating that XXXX XXXX didn't purchase this account from Barclays but i have a letter in my possession from XXXX XXXX dated XX/XX/year> that says otherwise. XXXX requested me to pay money i do not owe them. XXXX XXXX XXXX XXXX purchased my information from Barclays which is identity theft. XXXX stated in the letter that Barclays Bank Delaware received an account in my name with a XXXX balance with a payment of only XXXX which is a deceptive practice because i never had a binding contract with Barclays or XXXX. I am owed {$1000.00} for this violation per the FCRA.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (MI)

I have an account with a venmo and I've been having continual problems with my account security I've asked venmo secure my account and any means that they can and I just can't seem to apparently either can't do it or don't want to do it. 
I've been having problems getting cards takes longer than a week to get a venmo card sometimes I've asked them to XXXX the card and we done it once for me I never did it again I'm only had a card for as long as 2 days and somebody's already hacked into my account I need my account secure and I've asked them to secure my account many times not only that they're not giving my funds back in a timely manner is saying it takes 10 days and I know most banks will do it in XXXX day. I don't know what they are doing and I've been trying to keep track as the money comes in they've said that they credited me my money but I've only seen it once and I really need to have this audited by somebody other than myself because they think that I'm lieing to them.. I do not trust this company and I find them very unreliable as far as giving back my money or give me a card quick enough so that I can able to use my funds. I need this address as quickly as possible and I'm complained continually about this company and if I have to take this to social media on XXXX on XXXX on XXXX XXXX XXXX whoever I have to do to get this company in line and they can secure my account. Can you please find some way to audit this credit cuz I don't believe that they've been crediting me like they say they have been. I don't believe it takes 10 days to get my money back even though I've been credited some things at times but I'm still waiting for {$500.00} credit just recently had a {$50.00} credit which I saw but I have yet to see my {$500.00} credit this happened about a week or XXXX ago and I see no point on what they're trying to do. I need this company audited by somebody other than myself but I don't think they're truthful They still have paid me back money stolen from me yet. Any bank immediately pays the money back. I want this company audited they are not being truthful about paying money back
Consumer complaint received 2024-07-05
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. (NM)

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.

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 2024-07-10
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: JPMORGAN CHASE & CO. (TX)

On Friday XX/XX/XXXX, I went to XXXX XXXX to inquire about a XXXX XXXX XXXXXXXX. My plan was to use my existing car loan offer from my personal bank at XXXX. Upon meeting with XXXX XXXX, I discovered my loan offer at XXXX was not great enough to cover the expense of the car. I agreed to allow them to run my credit 1 time with the bank they use for car loans. XXXX XXXX ran my credit 8 times totaling 8 hard inquires on my credit. This is fraudulent. I never agreed to the hard inquires involving : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The only authorized inquiry should have been from XXXX XXXX XXXX Finally, what is the most criminal about this entire experience is that XXXX XXXX was selling me an insufficient vehicle that required a new transmission. Yet, they knowingly tried to sell me the car thousands of dollars above its value, thus why I got denied for the loan from all these banks, because the car was red-flagged. I sincerely hope to receive help for these hard inquires. Thank you for the consideration.
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. (IL)

This account was charged off on the following date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Since then the accounts has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate these accounts properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: CITIBANK, N.A. (NJ)

My account with CITICARDS CBNA was never late! I have had exceptional payment history witH 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.
Consumer complaint received 2024-07-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (FL)

To Whom It May Concern, I am writing to express my extreme frustration and disappointment with Moneylions online payment system. Despite numerous attempts to make timely payments through your platform, the system has consistently failed to process my transactions. It reverses my payments without any attempt to deduct the money from my account. This is utterly unacceptable and reflects a severe flaw in your payment processing system. 

As a result of your system 's repeated failures, my account has been reported as 30 days late, which has now negatively impacted my credit report. This situation is infuriating, as I have always made every effort to fulfill my financial obligations on time. The blame lies squarely on Moneylion 's inadequate system, not on me as a responsible customer. 

I demand immediate rectification of this issue. My credit report needs to be corrected to reflect that I was never late on my payments. Additionally, I expect a thorough investigation into why your system continues to malfunction and a prompt resolution to prevent this from happening again. The level of inconvenience and stress this has caused me is unacceptable, and I expect a prompt and satisfactory response to this complaint. 


I attached a copy of the chat transcript from XX/XX/year> regarding this issue.
Consumer complaint received 2024-05-22
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. (AL)

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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2023-11-02
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. (TN)

In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : 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 2024-07-10
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. (NC)

I declared I was apart of a national disaster for charged off and collections accounts. I disputed both as being in a national disaster and the collection amounts be removed as I was tragically impacted. 

Original Lender ; XXXX XXXX since sold the debt to XXXXXXXX XXXX XXXX. XX/XX/XXXX Original lender XXXX XXXXXXXX XXXX XXXX, since sold the debt to XXXX XXXX XXXX. XX/XX/XXXX. 

Charged Off and reported as a loss : XXXXXXXX XXXX XXXX  opened XX/XX/XXXX closed and which is reporting charged off XXXX XXXX XXXX XX/XX/XXXX closed in XXXX now reopened and charged off. 

XXXX XXXX  XX/XX/XXXX charged off XXXX XXXX XXXX opened XXXX XXXX charged off and reported as a loss by creditor. {$4300.00} and account XXXX XXXX {$500.00} I asked that each account be removed and deleted from my credit report. These are very harmful to my score and credibility worth. As a result of being apart of a drastic life change these should be taken in consideration as the loss they already written off due to unforeseen circumstances such as a national Pandemic.