davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
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)

I have filed income base repayment. It is not tax season yet and you are asking for money. You can't ask for money on income based repayment when this is illegal. You even have it says XXXX for repayment and you are asking for repayment now as of XX/XX/. You can tell me multiple dates.
Consumer complaint received 2023-02-10
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: EQUIFAX, INC. (NY)

I was received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX : XXXX... 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX... 

I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2023-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (IN)

EdFinancial is my current loan servicer. I have confirmed this with Student Aid, my school, and also Edfinancial themselves. I made an account with Edfinancial to set up automatic payments. When I go to sign into this account, I get the message " We currently have no loans in our records for you. If you feel this is in error, please call us so we can assist you. '' I then called Edfinancial to see what was going on and to get into my account. After waiting on hold for nearly 3 hours, I finally was able to speak to someone. She confirmed that I had about {$17000.00} in student loans with them and was unsure why it was giving me this error message. She said she could take payment on my account. When she went to put in my information, the same error message popped up for her. She could see my account, but the system would not allow her to take any payment. She said she flagged the account and to check back in a week to see if it was fixed. I tried again a week later, and I still can not access my account. I called back and was told that they still were not sure what was wrong with my account, and they were still unable to take payment. I asked them if they were still charging interest on my loans, and they confirmed yes, they were. They are telling me they can not stop the interest from being charged to the loans even though I have absolutely no way to pay them, and they are unable to resolve the issue with their system. I asked to speak with a supervisor and was told I would get a call back in 24-48 hours. I never got a call back from anyone. I just tried to login to my account, and I still can not access my account. I spoke with someone with student aid who told me that the only thing I can do is file a complaint. I have applied for the borrower 's defense, but I still want to make payments on my loan in case the borrower 's defense is denied. I do not just want to hope it gets accepted and rack up tons of interest. This is insane that I have no way to make payments on my loan, yet they continue to charge me interest. I just want to get into my account and make payments. Please help me!
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (CT)

On XX/XX/XXXX, I made a payment for {$15000.00}. On XX/XX/XXXX, I requested a refund for the amount of {$15000.00}. On that day ( XX/XX/XXXX ), I was informed that the expected time to get the refund back is about XXXX to XXXX  months and that the money would be directly deposited into the XXXX bank account where I originally made the payment of {$15000.00}. As the time went by, and I did not see any deposit into my XXXX bank account, I tried cancelling the refund on XX/XX/XXXX. 
Since the loan of {$15000.00} stayed open on my account, I started to call again and again to investigate why the loan was not closed out. After many calls and search requests, on XX/XX/XXXX, I was finally informed that the refund had been issued as a check from the US Treasury on XX/XX/XXXX ( about a month and a half after my refund request, NOT XXXX months as I was told AND NOT a direct deposit to my bank account as I was told... ) and that the check ( US Treasury check for the amount of {$15000.00} ) was already claimed by someone else on XX/XX/XXXX!! Not only was I misinformed by EdFinancial about how the refund would work AND the timing, but someone claimed a US Treasury check under my name! I would also like to mention that in the many calls I made, no one ever told me that there was an update on any of the search requests ( until XX/XX/XXXX- thank you XXXX ) even though the results from the finance department were in since XX/XX/XXXX. 

Timeline of events for clarity : -Loan payment for {$15000.00} : XX/XX/XXXX XXXX request for {$15000.00} : XX/XX/XXXX -Treasury check sent for {$15000.00} : XX/XX/XXXX -Treasury check claimed ( XXXX someone else ) for {$15000.00} : XX/XX/XXXX -Refund cancel request for {$15000.00} : XX/XX/XXXX -Finance Department search request results regarding check for {$15000.00} : XX/XX/XXXX -Me getting informed the results were available regarding check for {$15000.00} : XX/XX/XXXX XXXX
Consumer complaint received 2023-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (CA)

I called on XX/XX/2023 to find out what repayment plans I qualified for. I was told I qualified for a Graduated Repayment plan and that I would receive an email confirming the plan. It is now XX/XX/2023 and nothing has been updated or changed on my account. I have not received an email either. I have called 5 times and sat through 4 hour hold times only to be told that it has not been reviewed yet. The company keeps extending how many business days it will take to process. I have been told 15 business days, 29 business days, and 31 business days. It has now been 36 business days. My payment is due on XX/XX/XXXX, and I can not afford the current repayment plan. This does not seem legal or fair to me.
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 (CT)

On XX/XX/XXXX, I submitted a payment totaling {$13000.00} to Edfinancial Services, the total amount of my loan. They emailed me to confirm the payment was made ( confirmation code XXXX ). On the morning of XX/XX/XXXX, they emailed me saying I " received a new message regarding your Edfinancial Services student loans '', but no message could be found on my account. I noticed a " Payment Reversal '' of the total {$13000.00} I had payed on XX/XX/XXXX, which it said occurred on XX/XX/XXXX. I attempted to call the company multiple times, but after waiting for over an hour, I could not connect with a representative, and selected an option that would have a representative call me back. I never received a call back. I attempted to email them, but this required an account number, which was not stated on the website. I checked with my bank to see if a payment was requested from Edfinancial Services on XX/XX/XXXX, and they stated that there was never any pending transaction with Edfinancial Services. Edfinancial Services also resumed accumulating interest on my account. Finally, on XX/XX/XXXX, I attempted a second payment, which they also confirmed via email ( confirmation code XXXX ). This payment totaled {$13000.00}, a higher amount since Edfinancial Services resumed interest on my account. However, I do not know what will happen, and I fear there is no one at Edfinancial Services who can assure me this payment will go through.
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 (MS)

Paid {$300.00} towards my student loans on XX/XX/23. Received a confirmation email. Today I received another email claiming my payment was overdue. 
When I logged in, I found that they reversed my payment. I Received no communication about this reversal. 
They encourage you to use their chat, but after answering all the bot questions it then tells you that the chat is disabled. Can't get ahold of anyone on the phone despite spending hours on hold. They want an account number to use the email form, but I can find an account number anywhere.
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 (NC)

I had set up my bank account for auto-pay with their system. When it came to the day of payment, they had cancelled my auto-pay, not sure why. I had no notification of this what so ever. I fortunately went to my account and manually paid the amount due that day, being XXXX. 

Come to find out, they reversed my payment, never notified me. I woke up to an email Friday ( Monday is when I made the payment ) to an email about my current balance, and it showed a much larger amount. I went on to check why and they had reversed the payment, no explanation given and again I was never contacted. Other borrowers that I have read about with this issue have stated that it's been ongoing and XXXX has reversed tons of payments, especially those who are trying to pay in full. I'm just trying to make my monthly payment and they clearly are not capable of handling their systems and are refusing to acknowledge wrong doing. 

Tons of borrowers are dealing with this issue directly from this provider. They are refusing to pay or reverse interest due to late payment because of this issue. I tried submitting another payment this morning. It still has not been posted to my account.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

ACCOUNT : DPT EDXXXX XXXX DPT EDXXXX XXXX To Whom It May Concern : I recently received a copy of my consumer report, and I noticed some late payments posted on my consumer report : XXXX : XXXX, XXXXLATE PAYMENT ON XX/XX/2022 Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 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 ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Put the Creditor Name here ) making the report is not INCLUDED on my Consumer report!

A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s XXXX : XXXX, LATE PAYMENT ON XX/XX/2022 Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n
Consumer complaint received 2024-06-04
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. (NC)

XXXX out of business for bad business practice. Unresponsive. No longer XXXX  accredited. Never late on payments XXXX. Paid as agreed. Proof attached.
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 (CO)

This is the second complain I have had to submit as the company ( Ed financial ) holding my loan has dodged any and all attempts at resolving this problem and has not complied with the first complaint i was forced to complete regarding my loan. Using my XXXX education award from my service in XXXX I authorized a {$5500.00} payment to pay off the entirety of my loan on XX/XX/2023 XXXX. This amount was then accepted by Ed Financial ( the loan holders in question ) on XX/XX/2023 XXXX. I have documentation to prove this. Despite this however they have made no adjustments to my loan in question or attempted to apply this payment to my outstanding loan. I have emailed them multiple times about this in an attempt to receive clarification on this matter and have received no response even after a XXXX business day response time. I then attempted to call them on XXXX to clarify this matter as they have started to charge interest on a loan that was paid in full last month. They proceeded to put me on hold for seven hours, and as of the time of writing this have made no attempts to call me back or respond to my emails. The document will be included below ( with personal information hidden as requested ). 

They continued to avoid any form of response until I filed a complain with the CFPB, in which case they still avoided any form of response until after a response was due. I received this response on XXXX in which they finally admitted that they had received my payment and are in the process of applying it to my account. This was three weeks ago as of the time of writing this and they still have not applied the payment which they confirmed they had received, and are still charging me interest on a loan that is completely paid off. I have tried to contact them about this oversight and they had continued to ignore any and all forms of communication about resolving this issue.
Consumer complaint received 2023-10-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

My student loan provider is Ed financial. I requested a payment reversal of {$2000.00} to be done back in XXXX, 2023. They did reverse the payment but they just never sent it back to me. I have called multiple times and filed complaints and have had no luck. They have said they reissued the check multiple times and I still have not received anything. Also I have been making payment to them and the last payment reflecting is from XX/XX/XXXX. I have made 4 more payment since then and they are not reflecting. Please assist.
Consumer complaint received 2023-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (IL)

Under law FDCPA ) code ( 15 U.S.C. 1692 Re : XXXX XXXX XXXX XXXX, To whom this may concern, I am writing this letter to XXXX XXXX XXXX and all three credit bureaus XXXX, XXXX and XXXX. 
To inform XXXX XXXX associates that I have never been in contact with them or there debt collection agency. Until today. I have disputed your debt collection reporting agency as I have no clue who XXXX XXXX associates is. I have never received nor sort of mail or any sort of communication from XXXX XXXX associates indicating they have took over any sort of " debt '' I may " owe ''. I also have included best buy my credit card company which I paid on time on a monthly basis in this email to my knowledge this account should have been paid in full. 
Overly paid off. 
I was reaching out to best buy a few times prior to my credit being Tampered with indicating that I am very aware how my payments were not showing off as paid off to my account or credit card company. 
Each time I will make a payment to my best buy account the following month I will owe more money. 
I am very aware of the fraudulent activity that has been occuring and I never have been in contact with XXXX XXXX XXXX up until today. 
I have disputed XXXX XXXX XXXX And I will sue XXXX XXXX XXXX/best buy citi for fraudulent activity. 
I will also be filing a police report with this letter. And will be reporting this as fraudulent activity. 

I XXXX XXXX XXXX indicate that once I was reporting fraud and my payments not going down to my best buy account that I was not able to have access to my credit accounts and fraudulent activity was occuring I XXXX XXXX XXXX also indicate that I have had a credit freeze on all three of my credit bureau accounts since XX/XX/2023 as well as I do have a open fraud alert on all three of my accounts. 
I do not see how any of this is possible? Without validation. Authorization orauthentication?
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 (WA)

To whom it XXXX concern, I hope this letter finds you well. I am writing to bring to your immediate attention a pressing matter about my student loan account, which Edfinancial Services manages. I am deeply concerned about the lack of response and the unsettling discrepancy in the payment of {$20000.00} that I have made towards my student loan. 

To provide a clear account of the situation, I wish to highlight the following facts : On XXXX XXXX, a total amount of {$20000.00} was debited from my bank account by Edfinancial Services as a payment towards my student loan. I possess the payment confirmation email sent by your organization as incontrovertible evidence of this transaction. 

However, the disconcerting issue at hand is that this payment, though substantiated by documentary proof, is inexplicably absent from Edfinancial 's records. Moreover, it has come to my attention that Edfinancial Services is unaware of the location of this payment. 

This lack of accountability and transparency in financial transactions is gravely concerning, particularly when it involves government-funded loans designed to support students in pursuing higher education. In a world where financial transactions are conducted with precision and transparency, Edfinancial Services ' failure to acknowledge and properly record a substantial payment is disconcerting and undermines the trust and credibility associated with government-affiliated entities. 

Regrettably, I have discovered that my experience is not an isolated incident. Numerous students have reported facing identical issues with Edfinancial Services, casting a shadow on the reputation of both the United States government and the U.S. Department of Education. 

This is a matter of utmost seriousness, one that requires immediate attention and resolution. I implore you to take this matter with the utmost seriousness it deserves and address it at your earliest convenience. The impact of this issue on students ' financial well-being can not be overstated, and Edfinancial Services must rectify this situation promptly. 

I eagerly anticipate a prompt response and a swift resolution to this matter. Your cooperation and expeditious attention to this issue are greatly appreciated. I can be reached at XXXX if you require further information or clarification. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX