davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (CA)

Yesterday I received the formal notification that my existing CFPB case XXXX against EdFinancial is overdue for a response. Today I logged into EdFinancial.com on the XXXX XXXX of the month to confirm that my ACH payment was properly processed, and I was horrified to see that they had somehow reversed my Federal Unsubsidized Direct Consolidation Loan, at least according to the Mortgage Verification Letter now showing 10 separate loan balances as they were on a pre-consolidation basis. I am providing both the current and former versions of that letter, since the XX/XX/2024 letter was correct, as well as my proof of payment for XX/XX/2024 in exactly the same amount as all prior months with this federal student loan servicer. I am deeply disturbed that rather than improve my circumstances, EdFinancial seems to be actively degrading my account and further complicating my credit reporting history.
Consumer complaint received 2022-01-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Profit Services Group (GA)

The company PSG has reported multiple accounts and multiple duplicate accounts on my report. I have disputed these accounts three times. I have included two of my previous challenges all sent certified mail. With NO RESPONDES from the creditor. There are six collections on this account. Three ar4e duplicates that does not belong. I have disputed the info on XX/XX/XXXX and XX/XX/XXXX asking them to verify the date. They had 30 from the date of both letters to verify the date and I have received NO RESPONSE.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX, who is submitting this XXXX  complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2021-11-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (PA)

TD AUTO FINANCE is claiming that I owe an alleged debt of {$42000.00} which I, the consumer believe and do so believe this debt has been already paid for. I am a consumer, a natural person who seeks or acquires goods or services for personal, family, or household use only in accordance with the federal regulation 16 CFR 433.1 ( b ). I am also aware that TD AUTO FINANCE is a creditor pursuant to 16 CFR 433.1 ( c ). I, the consumer, has reason to believe and do so believe ALL of my billing statements as well as ALL the amounts I have from TD AUTO FINANCE is a billing error. Pursuant to 12 CFR 1026.13 ( a ) ( 6 ). Pursuant to 12 CFR 1026.13 ( a ) ( 4 ) the term billing error means a reflection on a periodic statement of the creditor 's failure to properly credit a payment to the consumer 's account. TD AUTO FINANCE has failed to properly credit all of my payments. I also have reason to believe and do so believe TD AUTO FINANCE has my social security number on file which represents a credit card according to 12 CFR 1002.2 ( k ) meaning that when I provided my social security number my alleged auto loan debt from TD AUTO FINANCE has already been paid for. I, the consumer, has reason to believe and do so believe pursuant to 12 CFR 1002.2 ( a ) my account with TD AUTO FINANCE is an open end credit plan which means I, the affiant should not have to pay any alleged debt that, TD AUTO FINANCE claims that I owe. I, the consumer, is aware that TD AUTO FINANCE may not try to collect any portion of any required payment that the consumer believes is related to the disputed amounts pursuant to 12 CFR 1026.13 ( d ) ( 1 ). Lastly, I, the consumer, is aware that according to my certified XXXX XXXX XXXX from the Secretary of State I, the consumer/debtor dont have any liens against me along with me not having any debt attached to me. This further proves that I, the consumer, doesn't have to pay this alleged debt that TD AUTO FINANCE claims that I owe. See attachment below.
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (KY)

I signed up for an American Express card last year in XXXX or so. I was told I was getting a 0 % interest rate and a {$200.00} statement credit once I spent a set dollar amount ( which I reached almost immediately ). I called them back in the spring to get information on why I didnt get my credit and they told me there was no such thing and thats not what their agreement said. It 100 % told me on XXXX that American Express would provide both the promo interest rate and the credit. I have seen so many people complain about this on American Express. Its a problem that needs to be addressed.
Consumer complaint received 2021-11-24
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. (CA)

I am XXXX XXXX and I am submitting this complaint myself. I'm not swayed that XXXX  efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX is reporting inaccurate information on XXXX. Per XXXX, reporting must be XXXX % accurate or the information must be deleted. 

( XXXX XXXX )
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the negative accounts reporting on my Credit Report : XXXX XXXX**-Balance {$1300.00} XXXX XXXX-Balance {$580.00} XXXXXXXX XXXX**-Balance {$3000.00}
Consumer complaint received 2024-01-06
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: Monterey Financial Services LLC (AL)

I attended a XXXX XXXX XXXX XXXX XXXX XXXX and received a loan through Monterey Financial. Upon enrolling and paying for the school I was promised job placement as well as proper certifications and training from the school. I did not receive any of what was promised and was instructed by the owner who no longer owns the school to stop paying the loan they would take care of it. They did not. Now the school is closed down and there is no information to be found on how to contact them anymore. The school shut down due to not following through on agreed services that were included with the class.
Consumer complaint received 2019-12-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

My loan was sold to Shellpoint by XXXX on XX/XX/XXXX, since that time I haven't missed a payment and have tried to setup an agreement which will place my loan in good standing status. However, I was told I dont qualify for loan assistance. My loan is technically a two months behind but, only one of the months is reportable to the credit bureau. I dont understand why this company continually sends me demand letters for questionable payments related to issues with XXXX XXXX  that date back to XXXX. I feel as though i'm being harassed by Shellpoint and wish someone could help me. I suffer from XXXX  XXXX and their treatment toward me is making my life a difficult. The representative are rude, insensitive and borderline disrepectful.
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, 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. (NC)

On XX/XX/XXXX, I tried to access my credit report on Www.Equifax.com. I was presented with the 'We are temporarily unable to complete this request.. I tried again 3 days ( XX/XX/22 ) later to access via the website and continued to receive the same message as before. Then I called the XXXX on same day on XX/XX/22 and sat on hold for 40 minutes until an agent picked up & line disconnected. No other action was taken until today XX/XX/22 where i tried to login at Www.equifax.com. Once I entered my login info, I received the exact message the other 2x before 'We are temporarily unable to complete this request. ' What are the next steps to resolve this issue.
Consumer complaint received 2022-01-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Text message to my XXXX XX/XX/2022 : " XXXX ( XXXX ) XXXX ; CITI : Your account has locked and requires verification, to restore access ... '' I haven't opened this text, and aside from the faulty XXXX syntax, I know this is fraudulent because I have no CITI accounts. Sorry I don't know how to forward unopened texts.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY (IL)

I am writing to file a complaint regarding an inaccurate late payment reported on my credit report by [ XXXX XXXX ]. My credit report indicates a late payment on my account. As per the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and ( Rule 1002 ) I kindly request that you conduct a prompt investigation into this matter and provide me with the following : A certified letter with a return receipt that was mailed to me that notified me 21 days before the due date. 

Verification of the late payment entry, including the date, amount, and method of verification.
Consumer complaint received 2022-01-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (SC)

Every time western union page says wrong currency to force me to pay {$6.00} charge, sending over to western union cash pick up it never allow me to pay over bank account even I put the bank account I want all those {$6.00} charge back please
Consumer complaint received 2021-11-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (MI)

I am in a debt relief program, both chase and XXXX, are repeatedly calling me when they have been informed by the company " XXXX XXXX XXXX  '' through which I am settling my debt that I am in a debt relief program. I feel as though the repeated calls and emails are unnecessary and borderline abusive. So I'm short my problem is that CHASE and XXXX will not stop calling me.
Consumer complaint received 2021-11-24
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports. 
XXXX XXXX {$7300.00} XXXX  XXXX {$470.00} XXXX XXXX {$0.00} XXXX XXXXXXXX {$11000.00} XXXX XXXX {$16000.00} XXXX {$0.00} XXXX XXXX XXXX {$4400.00} XXXX FUNDING XXXX {$480.00} XXXX XXXX XXXX {$760.00}
Consumer complaint received 2019-12-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NJ)

In XX/XX/2019 we received a statement from this company saying our escrow is {$400.00} short. When I called 5 times to have this situation handled I was put on hold for more then 30 minutes with no questions answered. Then on XX/XX/2019 we received a delinquent notice for {$130.00} from our township saying they havent been paying the taxes corrected. I received zero explanation how my escrow is short but theyre not paying my taxes correctly. I read online theres SEVERAL people going through this same issue with no answers to why their escrows are short and why their taxes are not paid correctly.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (MA)

Ok this is the more recent and most relevant explanation of my situation with indigo credit card/ Genesis card services. I Typically Indigo reports to the credit bureau on the XXXX of every month its been this way since I opened the card XX/XX/XXXX. In the past 23 months I've had one occasion where I was 30 or more days late there was an online payment issue the funds were never taken from my account until the following month I believeit was {$28.00} Indigo would not give me an ear. I hadn't had a late payment 12 months before nor after. the XX/XX/XXXX late payment was irregular and what I believe to be an error on Indigos part. Indigo continues to make negative remarks on my report affecting my score greatly. XX/XX/XXXX a remark was made and a change was added to my payment history bringing my score down XXXXpoints almost as retaliation for a dispute I made about incorrect reporting. Made XXXX. I paid my balance to {$0.00} I used my card on the XX/XX/XXXX and XX/XX/XXXX Indigo reported on XX/XX/XXXX instead of XX/XX/XXXX as per usual. Further more indigo keeps prompting me to enroll in overdraft protection which I declined. My XXXX statement shows {$0.00} balance yet a balance increase of {$320.00} was reported XX/XX/XXXX which lowered my score XXXX points. I called to file a dispute on XXXX. I questioned why my account was able to go over the limit although I wasn't enrolled in overdraft service as well as disputed indigo reporting later than usual. Indigo customers service explained they had no record of reporting on XX/XX/XXXX and that an investigation would begin. I proceeded to make a payment of {$230.00} on XXXX to bring my account current during the investigation. Inigo reported once again XXXX of a balance decrease of {$230.00} with a {$95.00} Balance showing which is still incorrect because non of my transactions made after XX/XX/XXXX should be reported until XX/XX/XXXX. I call costumer service again to inquire about the investigation and to question why indigo reported again showing my last payment made XXXX indigo reported to me the investigation was complete and that the amount was reported correctly and that indigo had no record of reporting on my account on XX/XX/XXXX nor XXXX that they could do nothing els to help me. Indigo reported on XX/XX/XXXX as previously scheduled showing a {$0.00} balance also adding a negative remark changing a payment history from 3yrs ago I don't understand. The continuous damage to my report is costing me time and money now that im in the process of buying my first home. Indigo 's irresponsible care of my account is most damaging to my financial future. Currently in the process of securing legal representation Pending this final attempt to resolve my current unfortunate situation
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Spring Oaks Capital, LLC (NY)

I have no knowledge of these hard inquiry on my credit report and these hard inquiries are results of identify theft and it must be removed no later than 4 business day as per 15 U.S 1681 C-2.
Consumer complaint received 2021-11-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, XXXX said ANY card. The credit card is my XXXX XXXX card. This is the credit card I used to originate the consumer credit transaction below.
Consumer complaint received 2021-11-24
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. (GA)

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the XXXX. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

Certified Mail # : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed XXXX {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MT)

I recently cancelled my subscription with Experian for credit Monitoring. I have ( had ) Very Good credit with all the bureaus. The other two ( XXXX and XXXX ) are still very good and have not dropped. Nothing, and I mean NOTHING has changed with my credit report or use. However, within 2 weeks of cancelling my subscription, Experian dropped my score by XXXX points with no reason, or explanation. I searched the site to see why and, nothing on the site has changed, except my cancellation, and when you inquire why, they have no answer or proof. This is the second time they have done this. Please help! They are punishing people for not signing up with them.
Consumer complaint received 2018-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (FL)

I have a mortgage loan with citimortgage and I succesfully negotiated a loan modification with them back on XX/XX/2017. Prior to the negotiation I started making payments of {$650.00} on XX/XX/17 and always made my mortgage payment ontime to the account number they told me to. 
However after Citibank processed the loan modification paperwork, they changed account numbers and my payments were not being processed. I received a refund for my mortgage payment 30 days later but I never got the new account number to send the payment to. Without knowing why they returned my payment, I went ahead and send them the payment again and it was returned again. I finally heard from them and they instructed me to start sending payments to a new account number. During that process Citimortgage received my payments but because of their system changes, I was showing late one month on the new account. I ended up sending them the additional payment they requested but my account showed late in all credit reports.
Consumer complaint received 2022-01-30
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (FL)

I had issues with my Amazon credit card. because the sync bank lowered my credit limit in the account without any real reason and because of this the bank is harming my credit report and score. Representatives from the bank told me that they are basing this decision on my past credit records and repots from my other accounts. I have an excellent credit record with Amazon and I do not consider fair that the way the company repay me is by harming my credit report lowering my credit limit any time they wanted without a satisfactory reason