davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

Requested student loan refund from EdFinancial on XX/XX/2022 for the amount of {$6900.00}. After speaking with them several times, they have quoted a refund timeline of 150 business days to a year. Loan balance has not posted back to account and is quoted to take at least one month. This is unacceptable considering other federal student loan servicers are quoting times sub one month.
Consumer complaint received 2017-05-30
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. (TX)

I received an APPROVAL letter from the IRS that was sent to  XXXX   County Circuit Court instructing them to remove the Tax Lein entry on my credit rep orts, I contacted the courts and they stated that they have no procedure to verify records with the credit reporting agencies. But the Credit Bureaus  XXXX , and Equifax did not remove the entry, but  XXXX  remove the entry after I sent a certified letter to them concerning this matter.
Consumer complaint received 2018-02-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc. (IL)

I wrote and sent a Certified Letter with Read Receipt for debt validation to State Collection Service on XX/XX/XXXX at STATE COLLECTION SERVICE XXXX XXXX  XXXX XXXX, WI XXXX. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I have requested that STATE COLLECTION SERVICE provide me with complete documentation to verify that I owe said debt and have any legal obligation to pay them. I have not received a satisfactory response within the 30 day period for Debt Validation. ( 15 USC 1692g Sec. 809 ( b ) ). I asked for the following : 1 ) Agreement with the creditor that authorizes State Collection Service to collect on the alleged debt. 2 ) The agreement bearing my signature stating that I have agreed to assume the debt. 3 ) Valid copies of the debt agreement stating the amount of the debt and interest charges. Accounting of all charges is required. 4 ) Proof that the Statute of limitations has not expired. 5 ) Complete payment history on this account along with an accounting of all additional charges. 6 ) Show me that they are licensed to collect in my state ; and their license numbers and Registered Agent. 

On XX/XX/XXXX I sent a second Certified Letter with Read Receipt for debt validation to State Collection Service at STATE COLLECTION SERVICE PO BOX XXXX XXXX, WI XXXX. The communication I received both times as shown in the attached documentation they have provided myself - did not meet FDCPA requirements. 

The documentation provided by STATE COLLECTION SERVICE does not provide : There is no Chain of Title provided that in fact evidences Standing. 

The assignment, whereas, the assignment refers to the contract between original creditor and credit  collection agency, is to be established by a written contract of assignment, which can be established through multiple documents that are incorporated by reference into the contract of assignment. The contract of assignment, however, must contain the information required by the Illinois Collection Agency Act ( ACC ) including the date of assignment, the consideration paid, interest, charges, and all accounting of the matter and the identifying information for the account. 

Illinois Collection Agency Act Section 8 ( b ) ( 225 ILCS 425/8b ) Debt Collection Agency added to this Actrequires written agreement evidencing assignment of debt, recording of assignments.
Consumer complaint received 2020-05-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (CA)

An account was fraudulently opened with Speedycash by an identity thief and the debt was turned over to XXXX XXXX debt collection services and the collection agency will not remove the account from my credit report despite me filing a police report, providing the name of the assailant and signing an affidavit that the debt is not mine.
Consumer complaint received 2016-02-07
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO. (TX)

I received my annual credit report from XXXX. It has a credit inquiry from Chase Auto XXXX/XXXX/XXXX. I have not applied for any new credit from Chase since getting a vehicle financed through them in XX/XX/XXXX. It counted as a hard inquire. The inquire has cause damage to my credit score. I need this removed.
Consumer complaint received 2015-07-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (PA)

I purchased a XXXX Chrysler 200 the next day I called the dealership stating the problems I was having with the car on the way home. They could n't check the car for at least a week, long story short after XXXX dealship checkups and at least XXXX upgrades on the car I filed a lemon law case in XXXX 2014, I was told by Chase finance after I had made XXXX months of on time payments to stop making payments since a lemon Law case was filed. In XX/XX/XXXX I offered to surrender the car back to the dealership but Chase said " no '', but XX/XX/XXXX Chase came for the car. We are waiting to settle with XXXX since in arbitration the car was considered to be " yellow ''. I surrendered to the car to Chase it " was not repossessed ", however Chase wo n't remove it from my credit.
Consumer complaint received 2022-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (MD)

I requested a refund on XX/XX/XXXX under the CARES act and was quoted 4-6 weeks for the refund to be sent back to me. I called last week ( XX/XX/XXXX ) and was given zero extra info besides that there was a remark about the refund being filed. I have also sent an email requesting info and have gotten nothing. In two days will mark 6 weeks without any updates or movement. I was told to receive an email with an update when my refund was accepted but haven't even gotten that.
Consumer complaint received 2018-02-21
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

This company excessively calls my phone each day starting very early in the morning. After I deny their calls, another strange phone number usually calls me immediately after, and after that an Unknown phone number calls. Sometimes they leave voicemails saying who they are, and other times ( mainly when calling from the other numbers ) the voicemail is silent for about 0:13 seconds. 

I have contacted them on numerous occasions to notify them to not contact me. They leave voicemails saying they have my social security number on their desk and also say I need to return items deposited into my checking account or they will take further action. 

The calls are excessive and happen usually in batches of 3 every hour of the day. I cant be their only account so how do they find enough time each day to contact me so many times?
Consumer complaint received 2020-10-12
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: CITIZENS FINANCIAL GROUP, INC. (MA)

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (GA)

Please see attached pdf for full complaint. I advise that you take this very seriously. I have already consulted legal counsel for a federal lawsuit against American Express for willful negligence for inaccurate reporting and will be seeking FCRA violations along with punitive damages up to {$450000.00}. I am giving you one last chance to fix or delete the inaccurate reporting. I have also sent a copy certified mail with USPS tracking # XXXX. You must think you are above Federal law, but I am a consumer who demands just and will go to any means to rectify the wrong you have caused. I have documented my case extremely thoroughly that will be brought against you and the credit reporting agencies.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have requested information from Equifax via online and in writing about an account with XXXX XXXX account ending in XXXX. I did receive a response however they did not supply the full history. What they sent was partial history. They are showing the account was 2 months behind but at no point are they reporting 1 month. This isn't true investigation.
Consumer complaint received 2017-05-30
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. (OH)

Equifax has refused to follow the laws set out in the fair credit reporting act and block the information they should with an FTC affidavit. The other bureaus followed the law and blocked the information.
Consumer complaint received 2021-02-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (NJ)

I talked to a Mortgage Specialist from TD BANK on XX/XX/2020 and filled my application the following day. 
During the 1st call with the Mortgage Specialist, I decided to keep the rate floating as I decided to wait for few days to think about it. 
The reference rate was 2.75 % with a {$1200.00} points credit. 

I finalized the application very quickly and uploaded all the required documents to not lose any time during the process. 

On XX/XX/2020, I decided to lock-in the rate, but I was not able to reach the Mortgage Specialist. 
As stated above, between the dates XX/XX/2020 to circa XX/XX/2020, I made several calls ( left voicemails as the Mortgage Specialist was never answering the phone ) and sent emails to lock the rate.

When I finally got an answer from the Mortgage Specialist, I was told that the rate went up from 2.75 % to 2.875 % with points costs. 
I explained that I sent many emails to get a callback and left many voicemails but I was told that he never received my emails. 
I decided to escalate my complaint to the supervisor, it took few days to finally get a negative answer to have the rate locked to the initial rate of 2.75 %. 

During these 2-3 weeks or so, I was very stressed as every time I was begging to have the rate locked, the lender was telling me that the cost ( of pints ) was increasing. All this stress in addition to the difficulties brought by the pandemic had a very bad on my mental health.

I was very disappointed that TD Bank 's only excuses explaining the lack of responsiveness to my several attempts to lock the rate was " technical issues and emails not received ''.

I am filing this complaint now, several months after the closing, as I needed to have a smooth closing.

I have copies of all the emails exchanged between the Mortgage specialist, the different supervisors, and myself.
Consumer complaint received 2020-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (PA)

On XX/XX/20 it has been brought to my attention that my investment account with XXXX was unable to be linked with my bank acct at PNC due to changes PNC has made. This impedes my ability to save and invest money accordingly.
Consumer complaint received 2018-02-21
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: AmeriCollect (MI)

I have contacted Americollect personally, submitted a dispute with XXXX as well as contacted the consumer protection bureau regarding this matter. Americollect is Continuing to report inaccurate information to XXXX credit reporting bureau. Americollect is reporting one ( 1 ) inaccurate account from University XXXX 's seven ( 7 ) times ( acct number XXXX ) another inaccurate account ( acct number XXXX ) five ( 5 ) times and two additional inaccurate accounts ( acct number XXXX and XXXX ). The continual reporting of these inaccurate accounts is a violation of the Fair debt collection Practices Act as well as Fair Credit Reporting Act. These inaccurate accounts should be removed from my credit report immediately.
Consumer complaint received 2018-06-15
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. (TX)

I have initiated several disputes with the major credit bureaus to resolve a glaring inaccurate account that is dragging my credit score down. XXXX XXXX XXXX XXXX is reporting 1. 180 day late status since 2014, 2. reporting me 120 days late every month since 2014 3. Shows my monthly payment as what the balance is and 4. Shows my terms a " 1 month ''.

Attached is my credit report pulled by the mortgage company, at the bottom of page 8 of 21 is where you will find the XXXX XXXX XXXX XXXX.

It seems that the credit bureaus will not investigate or fix an account because they are receiving monthly premiums for reporting regardless of what impact it has on the consumer 's financial health.

I'm hoping this will help me fix this issue
Consumer complaint received 2017-12-06
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: Advantage Credit, Inc. (CA)

On XXXX XXXX, 2016 ADVANTAGE CREDIT , INC . 
XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX did an hard inquiry on my credit I did not authorize.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (GA)

Mohela is reporting information about my educational record that they have no permission to report. 

Family Educational Rights and Privacy Ac

t ( FERPA ) Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : School officials with legitimate educational interests ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law.

There is no contract or written permission where I { put your name } gave any written permission.

If you Mohela believe that I have given you this permission I am requesting the document pursuant rule 1002.

Further more my non-public personal information is Private. It is also confidential and you are violating my right to privacy and confidentiality by reporting this information illegally without written permission.

I sent over a dispute letter to the CRA 'S and they did nothing they could not proof anything they do not follow the law.
Consumer complaint received 2018-06-15
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. (CA)

On XX/XX/18 I discovered that all three credit bureaus, Equifax , XXXX  and XXXX are continuously reporting a " revolving '' credit card from XXXX XXXX XXXX , with a balance o {$900.00} on my credit report in spite of my dispute filings and complaints of inaccuracy. I do not have and have never had a card from this company with this balance owing. This is a balance & card that I do not have. No verification provided by any source in over 30 days.

It is an item that should be completely removed from my credit report.
Consumer complaint received 2017-05-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

Infiniti Financial Services has reported many inaccurate statements of late payments and early lease termination on several accounts with them. These include Account numbers  XXXX  and  XXXX . I have not been late. Regarding account  XXXX , I was in dispute with them direct because they did not validate vehicle insurance when I leased my new vehicle from them in   XX/2016 . The  lease is therefore void and not valid. Also, they reported I was late in   XX/XX/XXXX  whe n we were in dispute and they said they would not. They never returned any of my phone calls.     They have reported on several other accounts with them. Stating falsely that I terminated lease early when I purchased a new lease from  XXXX   XXXX  in  XXXX  from  Infiniti Finance. I w as never told they would report lease terminated early.     They promised to remove all negative account information because I have not been late and I have not terminated any lease early.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (FL)

I have called, emailed, disputed, and been given the run around on this issue too many times. I have a school loan and owe two different companies for the same loan now ive been told. It is reflected on my credit report XXXX times. There is no reason for it to be on my report so many times for the same account. It is very detrimental to my credit and to anyone who looks at it when it is required! Showing that many bad marks for XXXX account is against code law! I do not owe Mohela or XXXX those accounts are not valid.
Consumer complaint received 2018-02-21
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: Experian Information Solutions Inc. (CA)

Experian blocked my credit information following a letter received from the FTC indicating my address where I live was fraudulent. This was not correct and now I want a copy of the letter. Was forced through escalations at Experian for over 1 hour yesterday to get the address added back by validating drivers license, bank statement and scathing letter demanding fix action.
Consumer complaint received 2018-02-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: MoneyLion Inc. (CA)

the company missed my private information and now I have credit issue and id theft on my bank account the company also lied to me about what was being charged i want this zero out and no balance do cause of there issues my phone is getting harrassing calls also the company is disrepectful and rude and does not care at all
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Experian tries to lure people in to their Boost ability to boost your credit score, this does boost it with utilities if they are paid on time. BUT they are now supplying all of your bank information ( which was the original goal ) to get into your bank account. 
Yes you can turn this off but your score will drop now. I plan to get my score up and then shut this down. 
This is an invasion or privacy and the whole world now knows how much money or cash flow is in your bank account. 
These are private companies and should not allowed to provide this information. 
I have contacte the boost dept many times and get people in other countries not even the US.

I would like to have someone from that dept contact me.

there are discrepancies and I need them fixed. I don't want to speak to the anyone expect US citizen. 
XXXX XXXX XXXX
Consumer complaint received 2020-07-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY (CT)

I had applied to do a refinance via TD Bank of my current mortgage. Throughout the process with TD Bank I experienced so many issues with the quality of service that at the closing I decided to cancel my application and sent them a request to rescind by XX/XX/2020. By XX/XX/2020 they told me that they had accepted my request to rescind. But in XXXX I received a mortgage statement from TD Bank saying that they transferred XXXX dollars out my escrow account into their escrow account and that I was due the first payment. So now I have two mortgages, my current mortgage which was never paid as I cancelled the refinance, and a new mortgage with TD Bank. My credit score has gone down 12 points because of the extended financing out there ( twice as much of what I had before due to their mistake ). 

I've contact TD Bank multiple times and they just tell me they're looking into it and someone will get back to me. It's now almost 2 weeks and so far nothing has been corrected. I'm so regretful for started anything with TD Bank.