davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (IL)

On XXXX XXXX, I was given a XXXX dollar loan from lendumo financial. The annual apr for this loan is 765 %. XXXXThis is in violation of The Illinois pay day loan reform act which states a company may not charge no more than XXXX per XXXX of interest, and charge a maximum of XXXX percent interest per year .therefore making this loan illegal in the state of Illinois..Per section XXXX of the Illinois payday loan reform act XXXX give out payday loans to customers the company must be licensed in the state of Illinois which lendumo loans is not..This loan is also is illegal in the state of Illinois per sec XXXX of the pay day loan reform act which states for a company to operate as a payday lender in the state of Illinois, the company must be licensed with Illinois department of financial regulation which this company is not therefore making this loan illegal and unenforceable under Illinois state law..To this date I have paid XXXX dollars on this illegal loan in the state of Illinois and an unenforceable loan per Illinois state law
Consumer complaint received 2021-09-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CommonBond, Inc. (FL)

Refinanced a student loan with CommonBond and servicer XXXX. The new loan has started on the XXXX yet my old loan has not received any funds. In contacting them the payment is being sent by mail and may take 3 weeks to reach my old servicer. In the meantime I'm accruing interest on both loans. Also, when contacting to see when the check will be received I'm told there is no tracking information available! When refinancing all my information was provided, how is it that when one electronic loan is started the payment can not be sent electronically to the old? Old loan is through XXXX and XXXX XXXX.
Consumer complaint received 2021-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to 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 is the list of the erroneous account reporting on my credit report : XXXX XXXX XXXX
Consumer complaint received 2019-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WV)

To Whom It May Concern, The reason for my dispute is PORTFOLIO RC was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PORTFOLIO RECOVERY failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PORTFOLIO RECOVERY ASSOCIATES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation PORTFOLIO RECOVERY ASSOCIATES is  held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PORTFOLIO RECOVERY ASSOCIATES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX  Police Dept.I need this collection account to be removed from my credit  report.PORTFOLIO RECOVERY ASSOCIATES has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2022-12-17
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. (TX)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have 8 inquires on my credit reports from companies i never did business or re-apply for any other services from them on my TransUnion I have 5 companies i never gave permission on did any business with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX also same companies are on my XXXX XXXX, XXXX XXXX XXXX so i would appreciate your assistance in getting these companies remove from my credit report thank you XXXX XXXX
Consumer complaint received 2021-12-08
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. (NJ)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to 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 list of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX falsely reported to all 3 credit reporting bureaus that my account was charged off. They have on their recording that they promised me they would not send my account to any credit bureau because I am paying them regularly on time. Then, they sent a Deletion Letter on XX/XX/XXXX, but it has NOT been deleted off of my credit reports as of XX/XX/XXXX.
Consumer complaint received 2022-07-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The company, Portfolio Recovery Solutions, has been making multiple calls within a day and easily goes over the maximum of 7 calls within a week. They are also trying to collect on a debt that is over 4 years, which is the statute of limitations in the state of California. I called today, XX/XX/XXXX at XXXX am XXXX, to request they cease all calls and stop pursuing collection on this expired debt.
Consumer complaint received 2021-12-08
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: EQUIFAX, INC. (MS)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

PORTFOLIO RECOVERY ASSOCIATES, XXXX DISPUTE OF ILLEGAL INACCURATE INFORMATION Re : Account XXXX Portfolio Recovery Associates is reporting illegal inaccuracies on my credit report. The amounts and the legal removal date being reported is illegal inaccurate information. These accounts have been written off by the original company many years ago ; however, Portfolio Recovery continues to report inaccurate amounts and disregards the legal date of removal and has failed to provide legal documentation necessary to determine legal accurate information. 

I have sent several written requests certified mail requesting Portfolio Recovery Associates to provide legal documentation of the complete account history needed to legally determine accurate information. 

The documented proof I have requested has not been provided. I have only received random billing statements without sequenced dates and without payment history and late payment date. 

The billing statements do show the large {$500.00}. Payments I have made on the account that Portfolio Recovery did not credit to the account ; nor is there any indication of late payment dates that are needed to determine legal date of removal of the accounts. 

Portfolio Recovery is reporting illegal inaccuracies of amounts and date of legal right of removal. Portfolio Recovery has failed to provide the legal documentation information requested of the complete account history needed to determine legal and accurate information ; therefore by law these inaccurate accounts must be removed from my credit report immediately.
Consumer complaint received 2022-08-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

I bought this item from XXXX on XX/XX/XXXX of XXXX. Hi returned item on XX/XX/XXXX by mail which they confirm they have received. For some reason I couldnt go back to store. Since then citizens pay or whatever they call themselves now have been told to refund my money. This was for the XXXX XXXX and also the 24 month all access pass which totaled to XXXX. I have talked them over 3 dozen times and sent them numerous emails with XXXX  customer service ccd on each email. XXXX said their shouldnt be any reason why they shouldnt have gave me my money. Citizens had me paying for months in which the first time I spoke with them. They said do not worry, dont pay anything as it would take time but resolve. Lies!! They had me miss my first payment on any credit or loan I had in the past 10-15 years. Taking my score down a good 35-50 points. I called to speak with them and they said sorry for the confusion and thatll take care of it but at that time I would have to complete making payments every month until they figure it out so I did so. All the ay up to XXXX. In which they now owe me. I spoken to them at least four more times after we got to that process I called beginning of XXXX of this year and finally they said the check has been sent out on XX/XX/XXXX which would take up to 45 days from Rhode Island. I had no faith in this company has theyre the worst ever I dealt with and feel like its a scam. Even XXXX cut ties with them. I spoke to a representative today for the lack of faith and here we go again they tell me that the check hasnt been sent out but it should be soon. I know this is just another step for them to continue to lag on pay me back my money. Ive spoken to higher-ups the middle people and the regular agents and all of them have lied give me incorrect information and giving me the runaround. As my balanced stand is XXXX dollars right now they owe me that {$310.00}. This has been going on way too long XXXX also changed their name from citizens one to citizens pay. My last case number was XXXX Ive been giving wrong info by XXXX, XXXX, XXXX. Also a request refund from a XXXX XXXX. Way before I spoke with those other agents.
Consumer complaint received 2022-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (RI)

Someone gained access to my Paypal account and made 4 fraudulent transactions sending money to email addresses we know nothing about for a total of {$130.00}. We have contacted PayPal several times and keep getting the same response from them with no reversal of these transactions or any other information " We have completed our review of your unauthorized activity case, and we've determined there was no unauthorized use. '' We've tried reaching out to PayPal again getting the same arbitrary or no response. 

We believe this entity is still actively trying to access our account.
Consumer complaint received 2022-07-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc. (MD)

I took advantage of a XX/XX/XXXX promotion with SoFi where I would get a {$600.00} bonus if I signed and funded a personal loan. The terms of the promotion can be found at https : XXXX ( XXXX XXXX XXXX : XXXX ). I applied on XX/XX/XXXX ( the cutoff for applying was XX/XX/XXXX ). After waiting for some time, I got a response on XX/XX/XXXX asking me to submit a copy of my SSN card which I supplied the same day. On XX/XX/XXXX I got a response asking me to unfreeze my XXXX credit report which I completed the same day. Then on XX/XX/XXXX I was approved and provided some forms to sign off on which I did the same day and then the funding process began. Now the problem is I didn't meet the cutoff date to sign and fund the loan by XX/XX/XXXX because I wasn't provided the forms to sign off to in the first place by that date in order to feasibly meet the terms of the promotion. I called and asked if I would be receiving the {$600.00} bonus and I was told " no '' because I didn't sign off on the loan by the deadline. This is absolutely ridiculous and predatory because I took a hard inquiry and signed off on a loan I didn't actually need, but applied for anyways to get a bonus that I was supposed to get.
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (AZ)

I had this account set up on auto pay to XXXX every month n my bill. I paid the bill off I assumed th auto paymnt was still set up as it is on all my other cards. I made a purchase from XXXX for XXXX. I never received a bill from TD Bank. I am set up on paperless billing. I went back through my email and can not find a bill. The monthly minimum due was XXXX with no interest. I have bever been late or missed a payment. I suffered the lost of XXXX family members. I assumed my bills were paid because I never received a notice or call that they turned off my auto pay. I received a notification that a payment was due. I was puzzled because my auto was set for XXXX. So I called TD Bank. And was advised By supervisor XXXX that was my problem not there's he removed the late fee of XXXX. I asked why I never received a bill or call. My bill was XXXX a month. So not my credit was reported as 30 days late he said. If I didn't receive a bill or they shut down my auto payment. Not my fault. I want the 30 days late removed from my credit report. I have paid this account in full and will never do business with them again. I felt like i was being discriminated against. For not receiving my bill or a call.
Consumer complaint received 2021-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

I graduated law school in XXXX, XXXX. I consolidated my loans and signed a promisory note on XX/XX/XXXX. AES was the servicer. The note says the total amount consolidated is {$43000.00}. But on the Servicer 's ledger ( Financial Activity Summary ) original amount consolidated is {$46000.00}. The discrepency is amount is {$3500.00} higher than on the promissory note. The additional amount was added onto the subsidized loan. 

I paid my student loans off in XXXX. I paid large lump sum payments in XXXX, XXXX and XXXX that should have been applied to the principal. But instead, they were used to pay interest and principal. 

I only have part of the Financial Activity Summary, but so you know, the lump sum payments I made were divided and some were applied to the subsidized loan and some to the unsubsidized loan. 

Please help me get this fixed. This loan was paid off years ago. It wasn't until a few years ago that I received a collection call and then discovered that the Servicer showed me to owe a few XXXX dollars when I last paid the loan. That few XXXX and turned into over {$14000.00}. I believe that the inaccurate ledger of AES, the servicer is to blame for the problem.
Consumer complaint received 2019-09-28
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: EQUIFAX, INC. (FL)

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MA)

I have made purchases with the offer of a 12 month deferred payment. 
-The first offer of {$400.00} with transaction date of XX/XX/XXXX was paid in full before the offer expired -The second purchases were only delivered until XXXX XXXX XXXX because they had problems with the inventory, they should have extended the deferment this was deceiving practice. 
- The Third purchase of {$1000.00} was made on XX/XX/XXXX with deferment until XX/XX/XXXX I had been busy with my XXXX XXXX XXXX father illness and travelling back and forth to Florida plus a full time job and not able to sit down and review my accounts until now. 
- I called earlier today XX/XX/XXXX before reviewing my statement to rapidly make a payment on the expiring promotion and the representative XXXX waved the deferred interest on the expiring promotion because there was a grace period. He told me that I needed to pay XXXX to pay it off. 
-Later when I sat down to review my purchase invoices and statements I realized he XXXX XXXXXXXX XXXX was supposed to have charged me {$1000.00} and the reason he didnt is because XXXX XXXXXXXX/Synchrony XXXX credit card had been since XXXX splitting my monthly payments of {$200.00} a month between the expired promotion and the promotion that I didnt have to pay yet with the purposed of charging me compound interest in higher balances on the expired promotion. My payments should have been applied towards the expired promotion to reduce the balance and therefore the interest being charge. 
This is a rip off this bank is perpetrating on the consumers. I understand they manage Lowes credit card. I will have to review those statements next because I am sure they have done the same thing. 
It is an abuse of the consumers who sacrifice so much to stay current in their bills. 
I need a resolution and a review of these unfair financial practices
Consumer complaint received 2021-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

Due to improper account practices on Amerisave and the Loan Servicing Company XXXX My account shows as in default and has negatively affected my credit score. 

The reason the payment went up in the first place to {$2600.00} was due to an accounting/paperwork error on AmeriSave 's part, in addition to taking 7 months to complete the deferral which legally AmeriSave was allowed 30 days, according to the CARES ACT. As a reminder, the deferral expired in XXXX of XXXX and was paperwork was completed on XX/XX/XXXX. We should not have to bear the financial burden due to this nor can we afford the payment of {$2600.00}. The {$2200.00} payment will be backdated from XXXX. Please provide me the legal paperwork that does not allow for this to happen with case law and FL statutes attached. This should be correct ASAP. The " payment '' for {$1500.00} is the amount missing from the Deferral Agreement that was offered by Amerisave, only {$8200.00} was applied to the account while a total of {$9800.00} was approved. See attached for XXXX statement with deferral amount and see Payment Deferral Offer Letter ( QRPC ) for a total approval of {$9800.00}. In addition, see the letter sent to the XXXX XXXX XXXX Case # XXXX from " XXXX XXXX ''. 

Upon further review of my bank statements, I have found another discrepancy in account on XXXX 's behalf. Currently, there is at least {$2200.00} XXXX If using the monthly payment of XXXX starting XX/XX/XXXX ) or {$4100.00} XXXX If using the monthly payment of {$2200.00} starting XX/XX/XXXX ) missing from payments that have made to the mortgage. XXXX attached XXXX workbook. xls or pdf. This is in addition to the other items that were incorrectly handled by XXXX and the XXXX XXXX XXXX XXXX. This should be corrected within XXXX hours to avoid confusion. I have attached the bank statements with this email up to XX/XX/XXXX.