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

I finished my college education in XX/XX/2023. Before my college education was finished, I started to pay my loans off early using EdFinancial, which at the time was their website. I was looking to get some of my loans paid off early to help decrease my total loans to make the interest payments lower ; as well as to get a head start on my loans before due payments started. My total starting loan amount was {$16000.00} I made XXXX payments of {$400.00} each on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have receipts of these payments and all the transactions. The {$1200.00} total of payments was shown as processed and received on this website and it decreased my total debt to the amount of {$15000.00}. The website at the time showed this number as my debt, and everything was processed. 

And then .... EdFiancial changed its website to a new processing system, and everything was supposed to be transferred over to this new website. I made my account on this new website and when I logged in, these XXXX {$400.00} payments were not shown up on my account, nor was my total debt showing the new total with these payments processed. It states that I have my original debt amount with no history of payments. 

I reached out to EdFinancial and the customer service gave me no guidance, no answers, and no concrete information. They told me to " wait a few weeks '' and it should come in. It has been over 2 months now and the debt totals have not been updated. 

I called again to ask about this and they gave me the same answer. I demanded that I needed to know when my {$1200.00} would be updated in my new account and they would not give me any information. I asked if I could show my receipts and get refunds for these payments and they advised me to not, as that process could take even longer than the payments to be updated in their new system. Now, it has been communicated that their original website will be closing at the end of the month and my history of payments is nowhere to be found. 

I tried calling today and I was put on a " call back list '' where they stated they would call me 30 minutes later. It has been 5 hours and I have not received a call back from them. 

Overall, my payments are still missing on their new site, and I have gotten no information on any updates, and nothing has gotten done for my issues.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: AMERIS BANCORP (GA)

On XX/XX/2023 I submitted a {$500.00} transaction through Ameris Bank for attorney services. However, I requested the {$500.00} refund due to services not rendered and no attorney client contract was signed. I also requested that he let the courts know that he is not my attorney. He sent me an email stating he never submitted any paperwork to the courts for my representation. After submitting evidence of the emails regarding the refund to the Ameris bank via XXXX XXXX. The XXXX letter on XX/XX/2023 stated they would reverse the {$500.00} provisional credit out of my account on XX/XX/2023. 

The attorney stated the money never went into his account on XX/XX/2023. I wrote a letter with facts and evidence attached on XX/XX/2023 in regards to the error letter Ameris Bank wrote me on XX/XX/2023 to reverse the provisional credit out of my account. Letting them know I am due the {$500.00} refund because the attorney never represented me and attorney services was never rendered. 

On XX/XX/2023 I submitted all facts and evidence to XXXX XXXX via email Ameris Bank Representatives.
Consumer complaint received 2023-08-08
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. (CA)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2020-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I deposited a check into my checking account and for some reason the check was being Questioned I had someone from the company I work for in the payroll department call the bank to verify the check. 

the information was verified but someone from the security team at the bank did not lift the freeze off my account I've been really having a hard time with the associates that works for the bank and they are very rude constantly keep asking me the same series of Questions just making my banking experience very horrible.
Consumer complaint received 2023-08-08
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: Affirm Holdings, Inc (GA)

To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so.

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these a
ccounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.

I await your response.
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (TX)

Account is not mine. never herd of business. Did not open this account. Identify thief. 
I have never done business with XXXX XXXX and do not know who they are. 
Account info Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$530.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$530.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$530.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXXXXXX XXXX
Consumer complaint received 2018-05-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ABR Recovery Services LLC. (NJ)

Abr recovery services has put me back on the collection credit report after being taking off about 6 months ago, I have sent this company letters and faxs over and over again a person by the name of XXXX stated about 6 months he would remove it from collection which he did now it is back in collections he is asking for more paperwork which was sent to this company a number of time
Consumer complaint received 2023-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (GA)

I have 2 houses and I use this one mortgage company for both houses, I have auto pay for both houses. I got a call from the mortgage co. saying they did not receive payment for the month of XXXX and I should make the payment to keep from making a late payment that would cause us to have to charge you a late fee so I when on and make the payment by phone while I was talking to her on the phone.

Just last night I took a look at my credit score just to see how I was doing and I notice my score drop by XXXX points for non payment to this company. So I call my bank and they told me the payment was make I look up the mortgage company online and to my surprise the payment was make into the other account, so I spoke with there representative and they say they see the money there but it's nothing they can do being that I gave them the money and that they want me to make another payment for XXXX and XXXX to bring that account up to date and it's nothing they can do to repair the damage they did they say if it was done by them then they can fix it, so I ask if I would come into your office and over pay you you would not tell me that I gave you to much and you would just keep my money as you are doing now. the first payment was on XX/XX/XXXX to one account and the other on XX/XX/XXXX that was for to be pay into the account that need to be pay
Consumer complaint received 2022-01-05
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: Experian Information Solutions Inc. (GA)

XX/XX/2019 I was a victim of identity theft. I did not realize my information was compromised until I got an alert on my credit report that someone open up student loans and theyre located in California XXXX Our place locks on my credit report and spoken with that particular student loan company and filed a police report. 

XXXX, XXXX and XXXX XXXX accounts are fraudulent. Ive never authorize my credit to be ran nor have I had his account. I have submitted several I didnt need their reports and complaints to the credit bureau stating I was a victim of identity theft. Including XXXX reports and police reports. This has been a traumatic situation it has been a big hindrance on my credit. I had took all the precautions I can take on my to prevent my information to be used in the future but unfortunately there its still being used. Ive also notify the credit bureaus that I will be filing complaints and they responded to my letter only saying that this information was updated. I have my account and his phone calls, sent letters and uploaded documents to all three credit bureaus, Experian, XXXX, and XXXX and nothing was done. This has been going on for months but unfortunately Im the only one affected and I will be filling additional complaints. The credit bureau its only sent me a letter back same information is updated. They have since then stop responding.
Consumer complaint received 2023-08-08
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: CITIBANK, N.A. ()

On XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX and XXXX XXXX  using the domains pro-medicalkf.com, hemo-tx.com which involved me making deposits for a total amount of XXXX XXXX  from my Citibank account to fraudulent firm ( s ).
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (PA)

XXXX Contacted Chime regarding a direct deposit of {$200.00} from my job, they stated they had not received it XXXX Contacted Chime regarding a direct deposit of {$200.00} from my job, they stated they received my other deposit on XXXX and it was included in there which was {$2600.00}, which it was not I was shorted on my pay. Later I got proof from my job that the money was sent at XXXX XXXX  on XXXX, but Chime again said they did not have it. 
XXXX Contacted Chime thinking it needs to process, via email with the attached proof of the transaction and later Chime asked me to verify who I was. I sent my license photo and my social showing the last 4 numbers. Explaining to Chime that I am going through a divorce and my license and social are not the same due to Covid and not being able to change it and I am divorcing not changing my social to only change it back. 
XXXX Chime asked for more verification and I have had my checks with my married name go into this account for almost a year from more than one job. I sent a tax document from the IRS with my last 4 and my maiden name and my husband 's name from XXXX  taxes when we filed jointly. along with pay stubs from when my name changed, my latest pay stubs that went into this account, a photo of my Chime card, and a Screenshot of my balance in my accounts. I told them I have no other proof I can send please return the money again. They did send it back to my employer, but concerned they will hold my future pays now. I can file taxes with the IRS only with my maiden name cause my Social was not changed so when I opened the Chime account with my social security information I opened my account with the proper last name on my Social Security. I also name all the people that they have on file who I referred to Chime. When I spoke with someone I asked about me account and she was willing to close my account if I wanted easily but I sent you legal documents and you could not help me.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ADP Inc. (NY)

Ive been going back and forth with this bank about my money being insured with them and why there not following there regulators regulations Ive been requesting provisional credit from this bank for a few months now and Ive been getting ignored which I understand that the bank adheres to the regulations set forth by the Electronic Fund Transfer Act ( EFTA ) and the Consumer Financial Protection Bureau ( CFPB ). According to EFTA, if an investigation takes longer than 10 business days, the bank must provisionally credit the disputed amount to the customer 's account.

This bank is not following these regulations that was place to protect the consumer Ive sent multiple letters and emails to them and not getting any correspondence back from them at all nothing what so ever Im keep being told someone will contact me within 2-3 business day which no one has and Ive been told this over 3 time so far Which this bank is breaking the law misleading me during multiple recorded phone calls 15 U.S.C. 1611 - U.S. Code - Unannotated Title 15. Commerce and Trade 1611. Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

I will like to be treated fairly and not be grated unfairly and rudely threw my current hardship in my lifetime this bank keep hanging up on me rudely no one calls back as they said they will if the phone call is disconnected this bank is not treat me right as a consumer at all and its aggravating and frustrating at this time on need some money in my life where my bills are pulling up and its hard for me to feed myself currently
Consumer complaint received 2020-04-24
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. (NY)

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from reporting on my credit EQUIFAX Report Confirmation # XXXX Account Name : XXXX Account number : XXXX Date open : XX/XX/XXXX {$750.00} {$770.00} Account Name : XXXX  XXXX XXXX XXXX Account number : XXXX {$700.00} Date open : XX/XX/XXXX ( XXXX ) XXXX Account Name : XXXX  XXXX XXXX  Account number : XXXX {$1000.00} Date open : XX/XX/XXXX ( XXXX ) XXXX Account Name : XXXX XXXX  XXXX Account number : XXXX {$1600.00} Date open : Date open : XX/XX/XXXX By Mail Only Account Name : XXXX XXXX  XXXX  Account number : XXXX {$2900.00} Date : XX/XX/XXXX ( XXXX ) XXXX Account Name : XXXX Account number : XXXX Date open : XX/XX/XXXX {$330.00} My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help
Consumer complaint received 2017-01-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

I have a XXXX private student loans with Navient. Every month that I make a payment a different amount is paid to the priciple vs the interest. For example if my monthly payment is {$400.00} then only {$50.00} would go to my priciple and the rest to interest and vis versa for the next monthly payment. I 've also tried to get lowered payments with them but they make it extremely difficult to do so. I 've also tried to get my consigner released but a very rude customer service agent told me that they can only be released when I pay off the loan, which makes no sense. They have terrible customer service, despite the fact that I 'm on a payment plan, the first thing they ask when I call them is how would you be paying your past due balance.
Consumer complaint received 2023-08-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC (CA)

This is regarding Selene Finance, phone number XXXX. My mother passed and I am the designated Beneficiary of my mother 's home. I occupy the home and have asked Selene Finance on XXXX for a payoff number and any loan papers if I choose to assume the loan. They said they would send me both via email. They sent me via email on XXXX a payoff for a loan that was not mine and had all of another person 's sensitive information. I called and emailed on XXXX to file a formal complaint because I am concerned that my information is also being misdirected. I sent back the portal they sent me and the following : " Dear Selene Finance, The attachment you sent me is not for my mother 's account. This information is for someone that is not associated with our loan nor my mother XXXX XXXX. You illegally sent sensitive information to me. I would like to file a formal complaint and have assured evidence that you did not send our information to someone else. Please respond to this email. '' I did not hear from them so on XXXX I sent another email requesting the same and this time attached the incorrect payoff they sent me versus the portal. I still did not hear back from them and called again today XXXX. Selene Finance then had someone call back named XXXX XXXX ( supposedly from their legal department ). He said it was an honest mistake. I told him as a nurse if something like this happened there is a protocol to remedy the situation. He preceded to say that since I was " perfect '' I could not understand that this is just a mistake and there is nothing to be done. I decided to end the call and file a complaint with the FTC. Also, I still do not have all the documents that I requested originally. Thank you for any help in this matter.
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc (GA)

Hello there was a fraudulent opened chime credit card in my name. The creditor refused to remove this fraudulent account in my name. So therefore im making a complaint so that the fraudulent opened account can be removed from my credit file.
Consumer complaint received 2017-08-15
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. (GA)

XXXX XXXX is reporting a debt for XXXX XXXX that was dismissed by the original creditor. XXXX  XXXX Dismissed the debt and removed the debt from all reporting in 2016. XXXX XXXX has been notified that the debt is no longer valid and XXXX XXXX has since dropped the debt. I no longer owe this debt and XXXX XXXX refuses to remove the debt from all reporting. In addition the company is reporting invalid dates for the debt. I did not open a credit card with XXXX XXXX in 2016. XXXX XXXX is reporting a debt that is no longer owed and is re-aging a debt that is more than five years old.
Consumer complaint received 2023-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (FL)

XXXX of last year I applied to the One-time student loan forgiveness debt relief. At this time it was with the XXXX XXXX XXXX XXXX XXXX owed {$6200.00} on my student loan. The didn't notify me that my loan was transferred to Edfinancial until XXXX XXXX. The service company Edfinancial sent an email on that date they were receiving my loan which was odd. because I paid that loan off on XX/XX/21. I applied to the One-Time student debt forgiveness when the application opened as a back up, because I honestly forgot whether or not it was paid in full. Then I log on to Edfinancial and the amount is still there in full as if I never paid it. I call them explain everything and even email them my bank statement that shows the payment. Their reply is that the application for the one-time student loan forgiveness was an application to reborrow the money instead of it being a forgiveness. Therefore since I applied the money was reinstated, they even allege they sent a paper check on last year, which is false because they didn't have my records til XXXX of this year. Its been close to a month since I sent them that information and they haven't got back to me.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.