davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (AZ)

I received an email from EdFinancial on XX/XX/23 saying that they were going to be moving my account to a new system on XX/XX/23. It stated that in two weeks I would be able to create a login in their new system. I then called after two weeks and was told " Oh, it actually is going to take 30 days now ''. It's now XX/XX/23, approximately 42 days since my loans were wiped out of the old system and I still have no way to create this new account and pay my bill. I try to call EdFinancial when I get off work and I'm put on hold until they close and no one answers. I try to use their online chat while I'm at work, and it says it's unavailable. I need to talk to someone there to, at the very least, figure out how to send them a check or something. They sent me the address to mail checks to the first time I talked to them but there is no info on who to make the check out to, what information needs to be included if any, etc. I'm not sending a check for that amount of money through the mail without knowing that I am 100 % doing it correctly. I am very frustrated and just want to be able to pay my loans. I don't feel like that is too much to ask and this whole system migration has been a nigthmare to say the least.
Consumer complaint received 2019-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

My identity was compromised while I was oversees serving in the U.S. Military between XXXX - XXXX. During this time Capital One Auto and Capital One Credit Card put several unauthorized hard inquires on my credit report. I have included the dates below. I have never authorized XXXX XXXX or XXXX XXXX to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

1. XXXX 2.XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NV)

My Equifax score has not refreshed for a few months. I think my credit with equifax is split. Too many soft inquiries. I called equifax and the sent a ID verification to my phone and it was not successful on Equifaxs end. I need this fixed. It says on their end its a technical error. I provided code XXXX  to agent. I just want to see my equifax updated score.
Consumer complaint received 2024-05-17
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)

my name is XXXX XXXX i am a victim of identity theft.im requesting you block and delete some unauthorized fraud accounts on my credit report.XXXX  XXXX  XXXX, XXXX  XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXXthese accounts listed on my credit file is a result of identity theft.please help me and blocj these account in 4 business days.this is stopping me from buying a home.i filed a ftc report ftc report number XXXX which is enclosed.
Consumer complaint received 2023-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MD)

Good morning, when I called, who I believed I was talking to XXXX ( Nelnet ) department of education about my student loan, but I am now realizing I was transferred over to a scam. They transferred me over to a company called XXXX XXXX XXXX XXXX. This company had all my information from Nelnet, including the exact number of my student loans and my address and social, so they convinced me I was talking to the right people. I was calling about loan forgiveness and they put me on hold, came back and said I qualify and would only have to pay {$490.00} down and then {$59.00} for the next accrued months. This was in 2021. I signed a E - contract and everything, filled with all my personal info that they had already from Nelnet, including my social on XXXX XXXX. I have been paying for what I believed were my student loans from the department of education since XX/XX/2021. They not only were taking XXXX out of my account they doubled it through different names like ( XXXX XXXX ) and ( XXXX XXXX XXXX  ) making my monthly payments 2x. When I looked at my statements, I started to realize this pattern and contacted my bank. I then had received a notification that I was to start with paying my " Student loans " with ( XXXX XXXX  ) after XX/XX/XXXX. So, I reached out to ( Student loan processing center, and no one answered me. I stopped the payments and started to do my research and noticed a lot of other individuals have been targeted by this company through Nelnet ( XXXX ). They have a site that states to file a claim against them for doing this! They are now trying to reach out to me since I stopped my payments which was doubled without my knowledge. 

When I reached out to them what my current balance is on my loan and they never answered my question just texted me saying they emailed me with it, but the email is requesting my XXXX due to the stopped payments that were ensured from my bank. 

The way I was scammed through a government department of education site has caused me so much stress that they have my information my social, my families address, and date of birth. And being that I thought my loans were being paid this whole time I am lost on the next steps I have to take. 

I would like my money returned to me. I would like this company shut down and charged for doing this to people who work hard to repay their debts. A investigation should be put into the company at Nelnet transferring protected calls over to these scammers. Please help me I don't know my next steps other than I believed was paying this whole time for 2 years almost 3. 

I will attach files only to a trusted government official. The files I have attached are not the only evidence I have that show clear scamming has been done to me through the department of education ( NelnetXXXX ) and this third party they connected me with ( XXXX XXXX XXXX XXXX ).
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2023-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (MO)

My XXXX account was hacked and money was transferred out of my checking on XX/XX/23. I notified my bank, Regions Bank, IMMEDIATELY and asked them to place a hold/freeze on the account so that XXXX could not take out funds. Regions does not have any agents working on the weekends that can tend to bank needs. Everything has to wait until Monday ( this is the first bank I have ever heard such an absurd thing ; most had fraud departments to help 24/7 ). Come Monday, the funds had time to process and Regions says there is nothing they can do.
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

I have three American Express card that i made timely and perfect payment. Then i tried to made payments 2 out if the cards and tried to make a third payment thee app told make no payment was due. Then i called the customer service they confirmed that no payment is due. 
By 5 days the Amex closed all three accounts and i filed a complaint they agreed that it is an error and not my fault. 
Now they charged of the accounts and illegally charged my XXXX XXXX XXXX account that caused {$780.00} with of insufficient funds fees by my bank that reported on my XXXX  Amex incorrectly put a {$0.00} credit limit on the closed account and then keep changing and charging the balance to reflect additional settlement late fees eventhough there was no settlement agreement.
Consumer complaint received 2019-04-27
Product: Credit reporting, credit repair services, 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. (IN)

My idenity was compromised while I was overseer serving in the U.S. Military between XXXX - XXXX. During this time Chase Auto and Chase Card but a unauthorized hard inquiry on my credit report. I have included the dates below. I have never authorized Chase Card or Chase Auto to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

1. Chase Card XX/XX/XXXX 2. Chase Auto XX/XX/XXXX 3. Chase Auto XX/XX/XXXX 4. Chase Card XX/XX/XXXX 5. Chase Card XX/XX/XXXX 6. Chase Card XX/XX/XXXX 7. Chase Card XX/XX/XXXX 8. Chase Card XX/XX/XXXX 9. Chase Card XX/XX/XXXX 10. Chase Auto XX/XX/XXXX XXXX
Consumer complaint received 2023-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (OH)

XX/XX/XXXX The University names and loan amounts do not correspond on my Aidvantage Federal Student Loan account. 
It shows my loan balance at over {$24000.00} in the amount of two separate loans that were consolidated back in XXXX. 
It says I attended a school called XXXX XXXX XXXX XXXX XXXXXXXX, Oregon. This is true. It was quite brief though and as I best recall, it was only one loan for less than {$4000.00}. 
This is all current information in my Aidvantage account as of today. XXXX My only guess is that they have it confused with my previous universities, XXXX XXXX XXXX XXXX XXXX loans of respectively, XXXX XXXX XXXX XXXX XXXX 
I attended the bulk of my schooling there between XXXXXXXX XXXX XXXX XXXX time was brief, and would have been during the mid XXXX. 
I emailed Aidvantage and shared this same information with them.

I asked to schedule a call as I do not believe the amounts to be accurate and found them to be inflated beyond what should be accurate, as well as not connected to the correct university.

Im happy to share any additional information you need & can be available for a call within 24 hours notice. 

Please advise on next steps and course of action. 

Much appreciation, XXXX XXXX
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XX/XX/2023 XXXX XXXX - XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XXXX - XX/XX/2023 : XXXX  - XX/XX/2023 XXXX  XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2023-12-08
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)

Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX  : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX | XX/XX/2022 : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX | XX/XX/2022 : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX | XX/XX/2022 : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX  XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX  XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (LA)

Chime allowed several unauthorized transactions to take place from my checking account in one day. On XX/XX/XXXX A friend sent me XXXX for rent like he normally does each month and on the XXXX the money was sent to a person that showed up as a XXXX XXXX someone I do not know nor did I authorize rhe transaction and while explaining to the repesentitive what had taken place another unauthorize transaction took place while on the phone with them. First I had XXXX in the account before the XXXX rent deposit then it showed XXXX entering and leaving my account at the same time. I learned that my friend who sent the rent payment haf received a phone call from somebody stating they were a chime supervisor verifying a request I made for the funds he had already sent the day before. I dont know how they are able to remove funds from all these accounts without the account holder 's petmission but they are and how Ironic, no one ever get there funds back in the account. I was left with XXXX XXXX in my account without any explanation. They ate telling me it will take until XX/XX/XXXX to investigate however I believe they are trying to get rid of the proof they are a crupt business. This is so horrible that nothing is done about this company. I explained I didn't know the people or the phone numbers that showed on my phone and I was unable to denied the transferred transactions. The unknown numbers were XXXX and XXXX. Something is very wrong with the operations of this CHIME BUSINESS and they need to be investigated ASAP. I'm on a fixed income and there is no way othis gods green earth would I leave myself XXXX XXXX when I get paid once a month. Whoever is behind these schemes knew exactly what I had in my account. What a horrible experience. Who else can we seek help from with catching these crooks. Times are extremely to hard for people to be blatantly taken advantage of. Really you mean to tell me Nobody was awarded their funds back. This is unacceptable and should not be allowed. Help us all Please! Read the reviews about these people. I simply want my money back and no further dealings with these people. They are closing people accounts after a dispute is filed and no one ever get their hard earned money back. They will have to answer to God about Stealing!!!! He sit high but he is definitely sees Low.
Consumer complaint received 2023-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WI)

Hi this email is to provide proof of fraud on my chase account. XX/XX/2023 I noticed suspicious transactions on my account for the amount of {$0.00} for XXXX XXXX XXXX out of XXXX, XXXXthe one cent was withdrawn and then credited. I immediately locked my account and called Chase customer service. They agreed it was suspicious and canceled my debit card and issued a new one to be mailed out. Today XX/XX/XXXX, as I was driving home I received a call from XXXX from a supposed Chase representative who said my account had been compromised again and there was a XXXX transaction that was attempted in XXXX, Florida for the amount of {$1000.00} to a XXXX XXXX. He asked if tht was me tht was sending it and I said no. He proceeded to send me a text asking if the XXXX was authorized in which I responded no. He then told me my online banking account was completely compromised and I needed to change my username and password. He sent me two additional text messages to terminate my username and password which I unfortunately provided to him via text. He then proceeded to ask about my XXXX recipient XXXX XXXX XXXX who I stated was my boyfriend and he said his information was also compromised and he asked me to add him to phone call which I did immediately. After XXXX accepted the phone call the " representative '' asked him some questions and told him his phone number was added to a XXXX account fraudulently with XXXX which he has no account with at all. Then he text him some verification codes to the phone number he has attached to his XXXX account and asked him to read them to him which he did. After he received the codes he told XXXX that he would enroll him and me in fraud protection so our future XXXX transactions wouldn't be compromised. XXXX was let go and him and I remained on the line to supposedly enroll me into the fraud protection program which consisted of me approving a XXXX transaction of {$2000.00} to XXXX where he explained tht no funds would be deducted from my account it was simply to make sure future XXXX transactions between XXXX and I would not be compromised. I unfortunately said yes to the text which ultimately approved the XXXX transaction to XXXX which he obviously never received. I'm attaching all the screenshots of my call log where he called me and I tried calling the number back and it is a XXXX XXXX  customer service phone number which leads me to believe tht this XXXX XXXX thats the name he gave me also with a badge number of XXXX. I'm also sending the text messages tht XXXX received as well. The phone number associated with my XXXX account is XXXX and the phone number associated with XXXX 's account is XXXX.
Consumer complaint received 2023-12-08
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. (VA)

This is in reference to : XXXXXXXX XXXX XXXX  XXXX XXXX Account ending in XXXX Balance due : {$4700.00} I trust this message finds you well. I've been reviewing my credit report and came across some information that raised a few questions. In my exploration, I delved into the Fair Credit Reporting Act, specifically 15 USC 1681, section 602, which highlights the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy.

As a consumer, I've been thinking about my rights and responsibilities in this context. According to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. 

Digging deeper, I found 15 USC 1681, section 604, which outlines the circumstances under which a consumer reporting agency may furnish a consumer report. It explicitly mentions that they can do so only in accordance with the written instructions of the consumer to whom it relates. I want to emphasize that I haven't given any written consent for the sharing of my information, and this concerns me.

Furthermore, 15 USC 6802 ( b ) ( c ) notes that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how they can exercise the nondisclosure option. To my knowledge, I have not been informed of such an option. 
I also stumbled upon 15 USC 1681c ( a ) ( 5 ), which states that no consumer reporting agency may make a consumer report containing adverse information without authorization. It appears that an adverse item is being reported without my permission, which, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, is against the law. 

The Act further mandates that consumer reporting agencies maintain reasonable procedures designed to avoid violations of the statute. Unfortunately, it seems that XXXX and XXXX XXXX not be following these guidelines, as indicated in 15 U.S. Code 1681e.

Lastly, I discovered in 12 CFR 1016.7 that a consumer has the right to opt out of reporting services at any time. I'm choosing to exercise that right.

I wanted to bring these specific sections of the Act to your attention and discuss how we can address these concerns. Your insights on this matter would be greatly appreciated. 

Thank you, XXXX XXXX