davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EdFinancial Services (AR)

The federal Education Department changed my loan servicer from Edfinancial to XXXX in XX/XX/XXXX   because I was placed on the Public Service Loan Forgiveness program. When the COVID forbearance ended in the summer, XXXX began reporting my loan information to the credit bureaus but then Edfinancial did too. For both companies it was exactly the same amount so it looked liked my student loans were double what they were at over {$500000.00}. As a result, my debt to income ratio was too high for a home equity loan I applied for in XXXX. At that point I was able to still access my Edfinancial account online and it showed that my balance was XXXX and the account was closed. After I was rejected for the home equity loan, I tried to long back into my account at Edfinancial to dispute it with them but they now said my account did not exist even though I was logging in with my Social Security number and my birthday. I tried to call them but the automated phone system said the same thing and would not reroute me to a live person because it could not find my account. Finally I found a general line for Edfinancial custome support, but the wait time was 411 minutes long. I opted for a call back and the system said it could be after XXXX before someone called me. They never called. I filed a complaint with Edfinancial on an email address I found on the XXXX XXXX  page but the response said they were reporting a deliqincy on my account and referred me back to the credit bureaus for that information. The delinquency does not show up on the credit beaureus ' information for my Edfinancial account. I was also on income based and hardship deferrals throughout my time with them because my payments were impossible to pay while supporting my family of XXXX. All the credit bureaus and the XXXX  XXXX people say I have to talk to Edfinancial to resolve the issue but I can't log into their online system or phone system because it says I do not exist in their system. The help they have given via email does not address the issue. I am at my wits end. XXXX owns my loans now and is my student loan servicer. 
I am paying my monthly bill with them and very close to forgiveness now. Edfinancial should not be reporting an open account for me or a balance.
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

I was charged an annual renewal fee for my XXXX XXXX XXXX card before a year was up. I had planned to cancel this card before a year had elapsed ( XX/XX/XXXX ). 

When I asked to have the fee refuneded because a year had not elapsed, the bank ( citibank ) said a standard policy was to switch the card over to a free version and refund the unduly charged fee. 

However, upon proceeding, after the conversion, I was told the refund the {$99.00} annual fee would take XXXX  days to refund! No information would be provided on why the refund duration was so long no matter how the question was asked. I think a fee refund that takes over XXXX billing cycle should not be allowed because it allows the bank to keep the funds hostage as a statement or negative balance on the card.
Consumer complaint received 2023-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MI)

I made 4 payments last month in XXXX and they posted NONE of them to my account and say I'm past due. The first phone rep I talked to was not helpful at all ( I can understand her disbelief in my payments not getting posted, because I couldn't believe it myself but STILL! ) I submitted my bank statements through their " upload '' feature and they disappeared. I emailed : no response. I submitted a customer satisfaction survey ( VERY unsatisfied ) and EVEN THEIR SURVEY wouldn't work and let me submit it! I called back and talked to a different phone rep and they told me it could take 90 days to verify my payments. I asked about my having my bank reverse the payments and resubmitting and the first rep said, " well, then you'll be late. '' So I guess I have to wait around with a past due notice hanging over my head and the equivalent of two mortgage payments basically stolen from my bank accounts. Funny thing is that I was paying DIRECTLY THROUGH THEIR WEBSITE because I had issues with my payments being credited to my account when I used other payment methods ( bill pay from my checking account ). If I had used one bank account, well maybe I mistyped my account number, but this happened with 2 different accounts ( a checking and a savings ) from 2 different financial institutions ( a bank and a credit union ) and the money came out of my account as expected -- at this point, I basically feel like EdFinancial stole my money. And unlike a car loan or other type of loan, a student loan is not so easy to switch loan servicers! I feel trapped and abused and dismissed and BROKE!
Consumer complaint received 2024-07-10
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CL Holdings LLC (CA)

I am writing to file a formal complaint against JeffersonCAPITAL, a debt collection agency, for their persistent harassment over a debt I do not acknowledge. For several years, I have received constant phone calls and letters from them regarding a debt supposedly owed to XXXX, which I do not recognize as valid. The issue began when I transferred my phone service to a new provider. Due to an error on XXXX 's part, my account was not closed properly. After XXXX declared bankruptcy, I received a bill and promptly contacted their customer service. They informed me they were no longer operating and could not assist further. Shortly after, JeffersonCAPITAL began its relentless collection efforts. For the past XXXX years, I have been subjected to incessant harassment from JeffersonCAPITAL. They have been calling and sending letters non-stop, significantly impacting my peace of mind. Additionally, they have reported this disputed debt to my bank, adversely affecting my credit score. I have always maintained an excellent credit history and have never been delinquent in my payments. In an attempt to resolve this issue, I contacted JeffersonCAPITAL and explained the situation. They demanded a lump sum payment of {$120.00}, which I could not agree to. Instead, I paid them {$50.00}, and they accepted my proposal but still asked for more money. I then committed to paying another {$50.00} to resolve the issue. However, they continued to be very aggressive and demanded even more money for a debt that was not mine. Despite my best efforts to negotiate, their representatives have been extremely uncooperative and have continued their aggressive tactics. I am seeking your assistance in resolving this matter. It is unjust for me to be held accountable for XXXX 's mistake and to suffer continuous harassment from JeffersonCAPITAL. I hope your bureau can help me end this distressing situation. Thank you very much for your attention to this matte
Consumer complaint received 2024-07-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: VEROS CREDIT, LLC. (CO)

This Morning ( XX/XX/year> ) I received a credit report and saw that I had a closed and charged off account from Veros credit LLC, showing a XXXX balance and XXXX owed. I thought it would be in my best interest to contact veros credit to see if they would agree to remove it from my report, the account many in charge of my account told me all the reports I received from the three bureaus was incorrect and false and they want the balance that only they can see paid or they will make sure they make it known on my credit report.
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. (CT)

I am writing this due to non compliance with the CRAs ( Transunion, XXXX, XXXX ). They have failed to remove information that is affiliated with personal details that were challenged in the past. I strongly believe that they are are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2024-08-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (NY)

I have cancelled a flight with XXXX in which I used my Barclays JetBlue credit card in the amount of {$340.00} plus my original XXXX points of XXXX ( which they say is the equivalent to XXXX in XXXX points ). I was refunded the XXXX in XXXX points but not the actual credit of {$340.00}. If XXXX XXXX XXXX is the equivalent to {$75.00}, how can XXXX XXXX points be the equivalent to {$340.00}. I would like to get a refund of the {$340.00} in full since I cancelled my flight. The flight reservation/confirmation number is XXXX. Thank you.
Consumer complaint received 2019-06-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (MO)

Medicredit was contacted by XXXX XXXX that the debt was not owed from me. The medical office XXXX XXXX never sent the bill to the insurance company for payment. I filed a grievance with XXXX and the result is I am not responsible for the debt. After Medicredit was contacted by XXXX   they sent me yet another bill and filed this information on my credit report. It isn't my fault the medical office didn't submit the bill and Medicredit needs to resolve the issue with XXXX XXXX XXXX.
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST PORTFOLIO SERVICING INC (CA)

I closed my credit card with TOTAL CARD VISA on XX/XX/XXXX over the phone. I paid my credit card bill in full prior to closing it. I spoke with a representative named XXXX who helped process the closing. I was told over the phone that the monthly fee of {$6.00} and annual fee of {$48.00} were refunded/waived. I paid a total of {$310.00} ( including the waived annual and monthly servicing fees ). After being waived, my account online now shows my balance is negative {$54.00} ( {$6.00} + {$48.00} ). I was also informed that a refund in the form of a check will be mailed to me. All of this happened on XX/XX/XXXX. I was never given a timeline on when I am going to be receiving the refund/check. It is now XX/XX/XXXX and I have yet to receive any refunds from TOTAL VISA. I had called numerous times and had been repeatedly told the check will be mailed and has not been mailed yet. I have attached a screenshot of my statement showing the fees I paid, their reversals and the total amount of what I paid. 

Name of credit card company : TOTAL CARD VISA ( XXXX XXXX XXXX  )
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. (GA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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 XXXXXX/XX/year>
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Name : XXXX XXXX XXXX XXXX Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX SSO : XXXX Dear Credit Bureau XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681| ( 7 ).

Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer dispute. 

1. [ Name XXXX XXXX Account XXXX XXXX {$56.00} date XX/XX/XXXX, date reporting XX/XX/XXXX. Provide Provide the description of the procedure XXXX XXXX
Consumer complaint received 2024-06-23
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: Experian Information Solutions Inc. (FL)

I just recently looked at my Experian credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX. [ Name of inquires & date ] 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  This inquires has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

TRANSUNION : XXXX, Account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

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 XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-09
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: EQUIFAX, INC. (FL)

disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX, XXXX ) in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection AD, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 2024-06-10
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: EQUIFAX, INC. (NV)

I was looking to purchase a house until I was notified about all the damaging things on my credit report 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 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The items listed below are reported on my personal credit file and were found in my reports with 3 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 in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 Balance : {$200.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX ; Date Filed/Reported : 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 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within XXXX days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-10
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: EQUIFAX, INC. (NJ)

The following inquiries were not authorized by me on EQUIFAX. I believe these inquiries are fraudulent. I have been dealing with a lot of stress trying to figure out what is going on. I have already submitted an FTC report. I have called each of these companies and none of them can provide any proof that I authorized these. They are not helping me get these removed. I am out of options at this point. I am asking you to please get these removed as soon as possible as they are all fraudulent. I am trying to buy a house and this is hurting me. Thank you! 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX