davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-13
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. (NY)

I requested the again 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 : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-06-13
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$9100.00} XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX  XXXX XXXX Balance Owed : {$3200.00}
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus were XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts/Inquiries that are still reporting on my Credit Reports : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-13
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. (TX)

In regards of my many efforts to address these inaccuracies through the appropriate channels, I would like to follow up that the credit reporting agencies have failed to take appropriate action to correct these errors. The continued presence of these late open accounts is significantly impacting my creditworthiness and causing undue financial and emotional distress. I have diligently followed all necessary procedures as outlined by the Fair Credit Reporting Act ( FCRA ), providing substantial evidence and documentation to support my claims. Despite this, the credit reporting agencies have not taken the required steps to investigate and rectify these inaccuracies. 
I respectfully ask that you would assist me to take the following actions : Conduct a thorough investigation into the disputed late open accounts listed on my credit report. 
Promptly correct any inaccuracies found regarding these accounts. 
Provide me with a corrected copy of my credit report. 
Furthermore, I request appropriate restitution for any damages incurred due to the credit reporting agencies ' failure to address this issue in a timely and satisfactory manner. With this, I am asking for your assistance to correct the accounts : XXXX  XXXX XXXX XXXX Balance : {$2700.00} ; XXXX  XXXX Balance : {$100000.00}.
Consumer complaint received 2024-06-11
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. (NY)

I didn't authorize these inquiries and I know that they are a result of identity theft. I am request that these inquiries be investigated and removed from my credit report as soon as possible. To support my identity theft dispute, I have placed the following documents inside my dispute : A copy of my driver 's license and my ssn card. And copy of my FTC Report XXXX ( XXXX ). Please confirm in writing that these unauthorized inquiries have been removed from my credit report. I also request that you provide me with a free copy of my updated credit report when the disputed items have been resolved.
Consumer complaint received 2024-06-11
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. (SC)

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.In accordance with the Fair Credit Reporting act. 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 XXXX XXXX XXXX XXXX XXXX XXXX  Accounting # XXXX and XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX.EQUIFAX REPORTING AGENCY, XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account 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.
Consumer complaint received 2024-06-13
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. (NC)

Fair Collections & Outstanding is not licensed to collect in the state of north Carolina as you see in the attachment below which is a violation of the law ( No person, firm, corporation, or association shall conduct or operate a collection agency or do a collection agency business, as the same is hereinafter defined in this Article, until he or it shall have secured a permit therefor as provided in XXXX  Chapter 58/Article 70 ( PDF ). ) which invalidates this debt, with this not being a debt that can be legally collected it must be removed from my credit report
Consumer complaint received 2024-06-13
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)

I am writing to report that I have fallen victim to identity theft, a situation that has deeply affected my life. My personal information has been maliciously used without my consent, leading to severe consequences. As a XXXXyear-old XXXX man, I feel that the impact of this identity theft is exacerbated by systemic XXXX  within credit bureaus and creditors. Despite the protections afforded by the Equal Credit Opportunity Act, I believe my situation has not been handled with the fairness and urgency it deserves. This identity theft is. preventing me from securing a decent higher paying job, which is essential to meet the demands of the current economy. This situation is forcing me to consider nding another home. or face homelessness due to the inflation impacting the economy. Please immediately remove and delete all fraudulent accounts from 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
Consumer complaint received 2024-06-13
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (PA)

I refinanced my student loans back in XX/XX/2023. I had 3 separate loans, each totaling about XXXX each for a total of XXXX. The one loan in question is actually 6 loans totaling XXXX, the servicer is EdFinancial. 

Both other loan servicers I have no issues with as they have correctly cleared my balance/etc, but EdFinancial, has not. 

Along with wait times approaching 2 hours to get onto their customer service line, I have been unable to get a clear answer as to if the money has been received. My account with them still shows the full amount of the loan, and I have been accruing interest and paying my monthly payments to them since. 

My new provider ( which I have also been paying monthly, and accruing interest with ) has let me know that the check they sent to EdFinancial had cleared XX/XX/XXXX. It has been 3 months, and EdFinancial still hasn't settled my balance, even after I sent them a scan of the check. This has caused me to be double charged interest, and paying double for loans.
Consumer complaint received 2023-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (VA)

EdFinancial is effectively denying auto-pay setup on my student loan account so I can't take advantage of the 0.25 % interest rate reduction being offered for federal loans. 

On XX/XX/XXXX, I submitted a request to have auto-pay set up in advance of my first due date on XX/XX/XXXX. As I was nearing the XX/XX/XXXX date, I never received confirmation that auto-pay was set up nor was it reflecting on my account so I called support. They said auto-pay was setup, but it wouldn't take effect until the next pay cycle on XX/XX/XXXX so I needed to make a manual payment for XX/XX/XXXX. So I did. 

After XX/XX/XXXX due date, I still did not receive confirmation nor saw that auto-pay was reflecting on my account. So I made several calls to support. The response varied from either " auto-pay isn't setup so they'd look into it '' or " it is setup, I just needed to wait ''. 

Nearing the XX/XX/XXXX, the situation hadn't changed, so I called support. They again said auto-pay was setup, but it wouldn't take effect until the next pay cycle on XX/XX/XXXX, so I would need to make a manual payment for XX/XX/XXXX, then wait. This was the exact response I got last time so I escalated to an " auto-pay specialist ''.

The specialist said auto-pay was not set-up, I needed to submit another request and wait about another three weeks for it to take effect. So essentially I submitted a request on XXXX, I've been given the runaround on whether auto-pay has been setup or not, and now I'm back at square one. And ALL this time, I've effectively been denied a financial benefit for federal student loans I'm entitled too with no end in sight. And based on social media sites like XXXX ( r/StudentLoans ), this is the same situation a LOT of others are experiencing.
Consumer complaint received 2023-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (OK)

I have already filed this exact complaint with them twice now originally on XX/XX/23. Ed Financial is my new student loan servicer and has either not calculated my student loan payments correctly or not all of my spouses information transferred over from the previous loan servicer. My husband and I have always been on the Income driven repayment program and my husband has significant student loan burden ( $ XXXX ) that I do not believe is being taken into consideration when calculating my payment for the New XXXX plan at this new loan servicer. My husband 's payment through the XXXX plan is only $ XXXX for his entire $ XXXX debt. So how it does not make sense to me that mine is well over $ XXXX. I have no income and thus rely on my husband 's income for myself and my daughter. The calculation is obviously wrong and I need someone to fix it because I can not afford to pay that much each month. The issue is that I can not seem to get any agents from Ed Financial to answer the phone or give me the correct form to fill out. I have been trying to call for weeks and the hold times are consistently XXXX MINUTES!! I have recording proof of these extreme hold times. Once I finally made contact with a representative she informed me that Ed Financial does NOT calculate the payments that it is calculated by the federal government so she would send me the form via email to have it recalculated. WEEKS later, still have no form. I've checked spam folders, tried searching for it. I do not believe it was ever sent to me. I'm extremely frustrated with this entire situation. I've tried searching on the website and went through the recalculation questionnaire, but it does not ask about spouse student loans unlike my previous servicer did, if I am remembering correctly. I've also tried the chat function that does not work. What am I suppose to do if I can not get anyone on the phone from this company to send me the correct form to fill out and I can not get my monthly payment recalculated correctly?
Consumer complaint received 2023-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (PA)

XXXX  XXXX XXXX awarded me a plus loan in the amount of {$12.00}. The school divided the plus loan into 2 semesters of {$6100.00} and set a disbursement date of XX/XX/23, a Saturday. They then claimed they would release it in 24-48 hours from that date but did not. Instead they pulled my credit 2 more times even after it was set for disbursement, hoping they could make up an excuse to not give it to me but my credit was approved. I then contacted OCR.ed.gov and they tried a mediation to get the school to release the funds and the school has not released them yet. The aid office sends me an email stating they made an inquiry as to why it hasnt been released even though they have the funds because I received my disclosures for the Plus loan with no funds received. The school is trying to blame the Department of Education and the services but they have the funds and keep refusing to process the funds as promised. I also applied for a direct plus loan for {$12000.00}. for 1 semester but they broke it up into 2 semesters of {$6100.00}.
Consumer complaint received 2023-10-31
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 (OR)

Tried since XXXX to get through on phone. Logged into edfinancial portal last week and sent message to thank for loan forgiveness and request this info : 1 ) when will XXXX balance be reflected on my credit report 2 ) if and when I will receive overpayments refund ( After so many years of paying and bad experiences with student loans I am hesitant to ask questions for fear of punitive actions )
Consumer complaint received 2023-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (TX)

My federal student loan was forgiven, as of XX/XX/XXXX. My EdFinancial account online shows they added {$2300.00} dated XX/XX/XXXX to my account balance, and then show a claim payment dated XX/XX/XXXX of {$3400.00}. My student loan account balance was approximately {$1000.00} in XX/XX/XXXX. 

I emailed EdFinancial customer service on XX/XX/XXXX inquiring about a refund of the overage they were paid to close out my account. They responded on XX/XX/XXXX informing me my loan was discharged and to reach out to Federal Student Aid for information about a refund. Further, EdFinancial claimed a refund amount and approval would come from Federal Student Aid.

I contacted Federal Student Aid and received an email from them dated XX/XX/XXXX telling me to contact my loan servicer to inquire about the refund. 

I contacted EdFinancial once again on XX/XX/XXXX and XX/XX/XXXX inquiring about the overpayment and refund. I have not received any further follow-up from EdFinancial. 

EdFinancial gives a chat feature on their website to contact them for assistance but it doesn't work. I've been on hold for hours trying to speak to somebody and only get a chance to leave a message. 

I'd like an explanation on why EdFinancial was paid more than I owed to pay off my student loan and why they won't refund the overage of payments. Thank you.
Consumer complaint received 2023-11-01
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)

On XX/XX/XXXX I payed my loan and got confirmation for the payment. 
Then my payment reversed for no reason and they didn't give me an alert so my payment was late. 
I also enrolled in autopay on the same day and despite double checking info several times when this months payment date came around - it did not deduct from my account. 

Tried calling several times with no success and very long wait times.
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MO)

My name is XXXX XXXX I am a authorized user on XXXX XXXX Care Credit account. on XX/XX/2023 I went to get dental work done at XXXX Aesthetics located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the amount charged was XXXX after payment was applied I got temporary veneers put in my mouth I was told that remaining amount to complete XXXX  XXXX  work for the next visit would be {$860.00}. I was scheduled to have work completed XX/XX/2023 however as of XX/XX/2023 I was told that the payment for {$11000.00} was in limbo and it was currently being disputed. XXXX  and the XXXX  card XXXX  both were shocked. I was asked to submit a sign sale slip, and a signed delivery slip along with XXXX XXXX identification. I submitted the things that was I was asked to submit and nothing has happened on Care Credit end and the doctor of practice says I have to pay {$11000.00} cash if I wasn't to get the rest of dental work done. My teeth are incredible sensitive and I have broken XXXX temporary veneers and I live about XXXX  miles from the dental office.
Consumer complaint received 2024-02-26
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: WELLS FARGO & COMPANY (FL)

I was XXXX from XX/XX/XXXX, XXXX XXXX, 2023 ( which I sent proof of ) and there was {$48000.00} on a charged off business line of credit ( credit card # XXXX ) for my business, XXXX XXXX and XXXX XXXX XXXX XXXX. The perpetrator did make charges prior to the listed dates as well ; However I did not catch it. I have disputed it with Wells Fargo with XXXX FTC reports, a Police report, and proof that I was XXXX  yet, they still deny it even though the same thing happened to my other business account with them that they accepted ( XXXX XXXXh $ XXXX Acct # XXXX ). I have disputed it multiple times and they deny that it was fraudulent. I tried to do everything I can ; However, I refuse to pay fraudulent charges that are being handled with integrity by Wells Fargo. They need to rectify this and remove ALL of the credit card balance from my charged off account.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I disputed the collections account with XXXX XXXX XXXX with XXXX and Equifax in XX/XX/year>. This is a past medical account. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Furthermore, 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

Additionally, XXXX XXXX is not XXXX  accredited and is listed as " no longer in business ''. I have attached a .pdf of this from the XXXX.
Consumer complaint received 2023-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (PA)

On XX/XX/XXXX, I tried to pay off my student loan in full. For multiple days, the account balance read {$0.00}. 

Not until an email from XX/XX/XXXX saying I had a late payment did I learn that the payment was reversed. 

I never received any email telling me that the payment was reversed or why. 

Now, today, XX/XX/XXXX, I am trying to figure out why this is, and I have been hung up on multiple times by Edfinancial Services customer service. 

This is incredibly frustrating and I have accrued interest on my loan because I thought it was paid in full. This is unfair.