davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services (MI)

On XX/XX/XXXX application submitted for SAVE repayment plan on studentaid.gov website and sent to loan processor that day. It was processed ( completed review ) by EdFinancial on XX/XX/XXXX. Next steps state that loan servicer will reach out w/ additional details regarding completed app. Its been 2 weeks and no reach out from EdFinancial. Online acct doesnt even reflect that a repayment plan application was submitted or even processed by EdFinancial. The first paragraph on account face page is all about signing up for a repayment plan by clicking the link. Huge payment is due in 3 weeks and I havent been able to get ahold of anyone in customer service. The chat feature on website is an automated system and the wait time for a customer service rep is obscene. Today the stated wait time is 3hrs 15 min. Currently on hour 4 waiting for my callback. Perhaps if EdFinancial got their act together and updated online accounts, their phone lines wouldnt be bogged down with frantic clients trying to find out the status of their repayment plan. Do better. We deserve better.
Consumer complaint received 2024-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Crown Asset Management, LLC, Duluth, GA Branch (FL)

Im being sued by Crown Asset Management LLC. A company I have never done business with or heard about. Without any warning or notification, I received letters from various lawyers informing me that Im being sued by the referenced company. I have never received any communication from this company that I owed any debt. Furthermore, the debt they are suing me for belongs to an old credit card that had a balance due to being a victim of identity theft as I have already disputed the debt with original creditor through the credit bureaus such as XXXX, XXXX, and XXXX. After the respective bureaus concluded their investigation, this debt was removed from my credit report since it was deemed fraudulent. The debt was due to unauthorized transactions not made by me and didnt have any knowledge about it, nor did I authorize it. The original creditor agreed to write off the balance to XXXX  dollars as it was deemed that I was not responsible for this debt. More than a year later, Im now being informed by various lawyers that this company is suing me which is ironic since I never received any communication from crown Asset management LLC regarding this debt. It seems as if they are trying to collect on a debt that was resolved with the original creditor while acknowledging that this debt was fraudulent. I have never heard of such practices where there arent any kind of communication from this company then just to realize that I have been sued by a company that purchases debt for XXXX  on the XXXX  by taking you to court without any previous written communication.
Consumer complaint received 2023-09-11
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. (TX)

I am a victim of identity thief and these account don't belong to me. i have never had any agreements or contracts with these companies.

15 USC 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of the law because I am a victim of Identity theft! Please delete these items IMMEDIATELY! 

XXXX XXXXXXXX Account Number - XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2023-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NV)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Consumer complaint received 2022-12-08
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. (MD)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$370.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (IN)

I have been a full-time employee of the Social Security Administration for 18 years. As a public servant, I applied for Public Service Student Loan Forgiveness under the expanded rules in XXXX of XXXX. My application was not processed until XX/XX/XXXX. 

While I am pleased that my loans were recently forgiven, Direct Loans, Mohela and the Department of Education each independently admit that the refund for my payments is incorrect. Unfortunately, nothing is being done. I have waited 60 days since informing Mohela of the error. No actions are being taken to correct the underpayment. 

I obtained the attached documents from Mohela, my most recent student loan servicer. The highlighted payments shown on the attached documents were all made under the Direct Loan program. and qualify for a refund. Per the PSLF rules, all qualifying payments in excess of XXXX are to be refunded. Three issues are noted : 1. At the time of my PSLF, I had a total of 175 qualifying months. This exceeds the required 120 qualifying payment months by 55. 

2. It is noted that a number of the qualifying months are credited due to deferments under Presidential initiatives implemented during the pandemic beginning in XXXX. I have identified those specific qualifying months. I understand that those are not literally " payments '' and can not be refunded. 

3. Among the 55 excess qualifying months, there are more than 30 actual payments that I made to my prior servicer, Direct Loans. Their payment log, Mohela 's own document ( attached ) and my financial records all agree that I made these payments of exactly {$20000.00} beginning in XXXX of XXXX and that 100 % of those 30 payments were made under a qualifying federal student loan servicer. 

Mohela indicated to me that this would be my refund amount. 

In XXXX, I received a Public Service Loan refund check in the amount of {$4000.00}. I should have received {>= $1,000,000}. The balance I am owed is {$16000.00}. 

There is another error. 

According to Mohela 's letter dated XX/XX/XXXX ( attached ) Mohela indicates that I received the refund of {$4000.00} " due to making payments during the COVID-19 Emergency Forbearance. The attached copy of Mohela 's own record of my payments shows that this is inaccurate. 

My last payment to Direct Loans was made on XX/XX/XXXX -a full three months prior to the day that the COVID-19 Emergency emerged. Mohela 's record of this payment is on page three of the attached payment register. It is the final entry under the " effective date '' column. 

Being a public servant for the past 18 years has been a rewarding experience. Please assist me in getting this corrected as soon as possible as I need the refund for unanticipated medical expenses that have unfortunately arisen. Thank you for you attention to this matter.
Consumer complaint received 2023-12-24
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. (OK)

I am writing to assert my rights under the Fair Credit Reporting Act ( 15 USC 1681 ) and related regulations regarding the sharing of my private information by Equifax and Experian, as well as the furnisher of information to credit agencies.

Under 15 USC 1681 section 604 ( a ) ( 2 ), I have not provided written consent for the furnishing of my information. Moreover, 15 USC 6802 ( b ) ( c ) mandates the disclosure of the nondisclosure option, which was never communicated to me.

The reported adverse information violates 15 USC 1681C ( a ) ( 5 ), and 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits the furnishing of inaccurate information. Equifax and XXXX 's failure to maintain reasonable procedures as required by 15 U.S. Code 1681e further compounds this issue. 

Additionally, according to 12 CFR 1016.7, I hereby exercise my right to opt out of Equifax and XXXX 's reporting services. Any and all consent to the aforementioned entities, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Also my rights from Privacy act of 1974 have been broken. 

I request prompt confirmation of the cessation of information sharing and adherence to legal requirements.
Consumer complaint received 2023-01-20
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: Bread Financial Holdings, Inc. (OH)

On XX/XX/XXXX I received an experience credit monitoring email and a XXXX XXXX credit monitoring email that a change was made to my report. I was sitting at home, on a Saturday XXXX watching tv. So I opened the emails and investigated what had changed to my credit report. Someone used my name, social security number and information to try and open a credit card by Comenity/Ulta XXXX, address XXXX XXXX XXXX, XXXX, Ohio XXXX XXXX I researched the address and name and found out it was an Ulta credit card that someone tried to apply for. The change in my report was due to a hard inquiry which in turn dropped my score and the information provided by XXXX stated the inquiry would remain on my credit file until XXXX of XXXX. I did not attempt to open this account and did not shop at Ulta online or in store on XX/XX/XXXX and would like this inquiry removed from my credit. I have opened a fraud alert across all of my credit accounts and require to see an ID when anyone performs a credit check on me.
Consumer complaint received 2024-04-14
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-07-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (OH)

I was charged extra amount for my car loan through Wells Fargo. My car was also repossessed by them during a lawsuit that I was never compensated for. I tried to contact Wells Fargo but they dismissed my calls. Please help me to find out why I was not included in this lawsuit. 
Thank you, XXXX XXXX
Consumer complaint received 2023-09-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC. (AL)

I initiated a personal line of credit with Citizens One and their partnership with the XXXX XXXX XXXX program and was approved on XXXX 

I immediately setup my account and registered auto-pay using my existing credit union checking account. 

On XXXX I received a late payment notice via text, and immediately called their customer support. I was directed to the website for payment inquiries ; when I logged in I noted that the auto-pay date had been set to XXXXXXXX  ( documented ). As this was not an option for me, it was apparent this was a technical issue on the lender 's end. I attempted to make a manual payment bringing my account current and received an error message ( documented ). 

On XX/XX/ I called back to their customer support line and received assurances that the issue was on their end and this would not impact my credit. The representative manually corrected the auto-pay draft date and initiated a manual payment for the outstanding balance. I immediately received an email thanking me for my payment ( documented ). 

On XX/XX/ I received a XXXX credit report notice including negative feedback from Citizen 's One ( documented ). I immediately initiated a dispute as Citizens had made it clear this was an issue on their end. 

On XXXX  I received a response to my dispute, which included that the lender found the feedback as correct and in fact was still delinquent despite the recent payment confirmation. My credit report even showed recent payments of {$0.00} ( documented ). 

On XX/XX/XXXX  I logged into the Citizen 's One website to find my auto-pay draft date had yet again been set to XXXX and I was unable to make manual payments ( documented ). 

On XX/XX/XXXX  I sent a certified letter to Citizen 's One with the above timeline and documented examples of their failure to provide adequate payment systems, and my willingness and desire to keep the account current. They responded that they found the negative credit feedback to be correct, and included the terms and conditions of the loan. 

I stand by the fact that Citizens One internal systems failures ( as acknowledged on their own recorded lines ) made it impossible to maintain a current payment status using the approved methods they advertised. Their misleading payment confirmation emails and inability to take payment continue to impact my credit history two years later, well after the loan has been paid off.
Consumer complaint received 2023-09-11
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: Experian Information Solutions Inc. (CA)

Ive contacted Experian multiple times via phone, mail and email to request a copy of my credit report. It shows that it has not been updated since XX/XX/2023. Ive verified all my information with them and they still have not given me a reason why they can not provide a report. I was told they checked with the other credit reporting agencies and everything is accurate and I still have not been given a credit report and score from Experian.
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (VA)

This is for a credit card issued by Barclays Bank Delaware. I have a {$25000.00} credit limit and requested an increase to {$30000.00}. I have a XXXX credit score and make {$340000.00} per year. I also pay off my balances each month. They would not grant the {$5000.00} increase and would not say why over the phone. They told me they are sending a letter explaining why.
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (WI)

fees and interest was applied to credity card even though I paid the full account on the day it was due through phone and bank checking account .Some how, American Express XXXX not process the payment for 2 days. The account was paid in full, and there was plenty of money in the account to pay all. 
American Express refused to reduce or elimate the charges, even after speaking with the representative on 2 separate occasions. I was a card holder for well over 10 years with no issues.I closed the card and refused to pay any penalties.
Consumer complaint received 2021-05-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

During covid I went through months of low sales at my restaurant XXXX XXXX XXXX. Its not my fault that the government shut down our eating area and restricted our hours for over a year. I have been charged 5 overdraft fees in the past month. My sales are back up but now I'm trying to pay bills from when the sales were low. In my opinion charging a person XXXX dollars for not having enough money in their account should be illegal. Because of all these overdraft charges im going to get another on this week after payroll because I need that money to get back on my feet. I need these fees reversed. I also sent a complaint to capital one and they have not responded. They promised me they would respond.
Consumer complaint received 2023-07-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAVALRY INVESTMENTS, LLC (FL)

The company, Calvary Portfolio Services, is well aware that I have an account with them. I spoke to them again last week and they said they WILL NOT forgive this Past Debt. They will continue to keep this on my credit unless I pay the balance in full. This account is over XXXX XXXX XXXX. I told them that I have no means to pay past debts since the death of my husband XX/XX/2019. I live on XXXX benefits only which is XXXX a year. I explained that there were other companies that relieved me of my past debts so that I may move ahead with my future. I said " so you are going to continue punishing me and keeping this on my credit '' their response was " unless you want to pay this account there is nothing we can do ''. This is hurting me for my financial future. I also told them that since there is absolutely I can do to pay this. That I feel like this is harassment and unfair to me. Unfair credit reporting. 

Calvary portfolio services : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Acct # XXXX Ref # XXXX
Consumer complaint received 2023-12-24
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)

A credit reporting agency MUST PROTECT my Nonpublic information by federal law, which Equifax obviously failed to do! According to 15 USC 6801 Protection of Nonpublic Personal Information ( a ) Privacy Obligation ( b ) financial institutions safeguards ( 1 ), ( 2 ), ( 3 ) was not followed by Equifax which VIOLATES MY CONSUMER RIGHTS! 15 USC 1681 Eb Maximum Accuracy of the consumer, Equifax has also not followed this which violated me as a consumer. I AM A VICTIM OF EQUIFAXS DATA BREACH and ALL of my information has been IMPACTED by Equifax! I have been disputing collections that do not belong to me, updates on information that doesnt make sense, inquiries that I have not authorized, wrong addresses, phone numbers, names, employment information even though proof has been sent numerous times via certified mail or its then removed and replaced and given a hard time to get corrected again, wrong account numbers, wrong amounts for the past few years and now I know the reason for it all because of you Equifax ! Equifax has been in violation of 15 USC1681n Civil Liability for Willful Noncompliance and violation of 15 USC 1681i-Procedure in case of disputed accuracy, description of reinvestigations they have have NEVER MAILED to how investigations were conducted or proof an investigation actually has taken place upon request on numerous occasions, if there is no proof then the account shall be deleted but Equifax chooses to leave in on my consumer report anyways because its how they make money, at my expense! I have been severely impacted by this situation and defamation of my character due to reporting FALSE INFORMATION. I have been denied for credit cards, houses, XXXXXXXX XXXX XXXX, due to Equifax. I refuse to put anymore time, money, energy into dispute letters that are not properly investigated, ignored or some type of stall tactic.We have passed the stage of investigations for 30-60 days, you Equifax had your chance to make this right, this is my last attempt for you to finally do the right thing ALL 3 collection accounts, charge off XXXX XXXX XXXX XXXX and XXXX that shouldnt even be reporting that have been updating through the years due to this breach, amounts I do not recognize, account numbers I do not recognize, XXXX charge off, which I have no clue who that company is, which Ive disputed isnt mine numerous times, XXXX its just too much to list as I refuse to spend anymore of my time when Ive disputed everything except my XXXX XXXX which are the only thing that seems accurate ( that Ive noticed so far )
Consumer complaint received 2022-12-08
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. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.