davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (OR)

I needed a pay day loan to get through the month of XXXX. My work was shortening hours and I needed money. I borrowed {$400.00} and wound up owing {$1800.00}. Required to pay $ XXXX/month for 9 months. The interest is completely ridiculous and I heard class action lawsuits going after these tribal loan companies. I need help before this causes bankruptcy or even homeless. 

I signed a contract but was unaware of the interest this wasn't disclosed till after the fact.
Consumer complaint received 2020-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

I updated my auto-payment method in XXXX and it didn't ever switch for whatever reason. Then, when the XXXX  thing obviously didn't go through, I spoke with someone and was trying to explain that my account needed to be switched because the payment method I chose wasn't the one that it was trying to take the pay emend from. So the payment was returned again because the account was invalid. I've been trying to explain this to the people at Citi and even filed a previous complaint. No one is listening to what the error was. I actually spent a couple of hours on the phone with a supervisor in XXXX and he thought it was really odd as well. He looked into it and " found the problem '' and linked my account AGAIN and then auto pay has been fine ever since. They even refunded the charges on my end due to the error having not been on my side. However, this month ... in XXXX, they slashed my limit in half, because of this missed payment debacle. Due to this, my credit score is adversely affected because now this card is " maxed out ''. No one actually listens at this bank. I want my limit restored. I even got a letter from Citi today, XX/XX/2020 in regard to this- and the letter states that the error was on my end. When it's been established that it was not, I updated my accounts in the app and it STILL used an old linked account, hence the " insufficient funds '' and " invalid account number ''. 

I'm not saying it was a bank error, specifically. But, it is DEFINITELY an app error, and of course the app belongs to Citi. Thus, this is a banking error. I have another card on Citi that was set up the exact same way and had zero issues with it. I've never had a returned payment in my life. This is atrocious and the customer service at this company is out of control. This company has lost all integrity in my eyes and the eyes of many others who have attempted to get help and received nothing. No ones even called me back. I just received a letter. It's pretty pathetic.
Consumer complaint received 2020-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

Complaint : Balance Paid to XXXX prior to putting this in my credit report Dispute : This was paid there is no balance XXXX. 
Request : Remove from my credit report.Complaint Against : XXXX XXXX XXXX Creditor : XXXX  XXXX  {$330.00} PAID there is no balance.Good afternoon please investigate this issue XXXX XXXX  company has deposited false information in my credit report. I am aware that this is a fraudulent company and they have stolen people information claiming they are the creditors. I have already paid the balance that I had with XXXX. I have never had an account with XXXX  XXXX. Please remove this entity. The balance I had was only {$330.00} in which I have since paid please check with XXXX  XXXX  this is paid. {$430.00} listed in credit report this is inaccurate.
Consumer complaint received 2020-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (NJ)

Lexington Law Firm promised that they would be able to remove all negative items on my credit report as well as improve my credit score by 100 plus points. They did not communicate what they would be challenging or disputing with my account. I would only receive emails sporatically informing me that they sent a letter on my behalf to date I have not received anything solid, other than their word. I have seen no movement from any credit reporting agency or collector. I've contacted them many times and to ask what exactly is in those challenge letters and they wouldnt say. They are unclear and when contacting a representative or paralegal they would inform me that they are doing their best for me but never tell me what exactly they were doing. They misrepresented what they could do for me to keep me as a client. Every time I contacted them with concern or questions they would tell me that I need to have patience. As a client I was led to believe their promises of negative item removals as well as credit score improvement yet that has not been the case. 

I called to cancel today ( XX/XX/2020 ) and was charged for a cancelation {$34.00} dollars even though they had previously explained that I would only be charged on the XX/XX/XXXX for their services. I have come to learn that such charging is illegal under the CROA laws which govern credit repair companies. 

I would like my money back for work they never performed and for the misleading way in which they took money but never assisted me. 

They charged me {$58.00} dollars to sign up in advance, then {$100.00} dollars monthly for service for 4 months and just now {$34.00} dollars to cancel. My total has been {$520.00} and change
Consumer complaint received 2020-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

I found that my credit score dropped by 47 because National credit systems INC is trying to collect a dept on behalf of apartments renting office ( XXXX XXXX at XXXX XXXX ) for XXXX . 
I had never received this money from the creditor.I sent both parties emails and certified mail for evidence that I owe that dept but they never replied.On the website it's shown that the collection started XX/XX/2019. I am sure they did not reply because they don't have any evidence. 
It shows clearly in may bank account that I had never received any money from the creditor since I opened my bank account on XX/XX/2019 till present. I want to report that false dept collection and ask the collection agency to stop sending me pre-recorded voice msgs.Also i want the damage for my credit score to be reversed.
Consumer complaint received 2019-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Several XXXX serviced accounts went delinquent XX/XX/XXXX and stayed delinquent until XX/XX/XXXX. 

As of XX/XX/XXXX these should no longer have been reported as delinquent due to the statute of limitations. 

I disputed this information several times with the CRA and XXXX then changed the information to make it appear more recent. 

This is classic case of an unfair and deceptive trade practice. I have applied for a loan and if my interest rate is directly affected due to this false information, I will sustain an financial injury to which I will be owed damages. 

This must be removed IMMEDIATELY.
Consumer complaint received 2020-02-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

My mom bought a car, I have never seen the car, so even though I clicked used car I am not sure. I never saw the car. 
The salesman called me and asked if I would come down and cosign. My mother came home with the car. The salesman never called me to come and sign anything. I asked my mom. She said they said they just approved her by herself. I called the salesperson. He said everything is finished. I never signed for this car. The dealership should not have me on this loan.
Consumer complaint received 2019-08-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ERC (AL)

I moved to my current address in which XXXX does not cover here! I contacted them to let them know I couldn’t use my service here and I sent documents showing my new location and they agreed that they don’t have coverage here. Now it is on my credit. This keeps coming back with new dates as well.
Consumer complaint received 2020-01-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Garrison Investment Group (MD)

In XXXX, we needed financing for our roof. The roofing company quoted us XXXX dollars and began the credit check/application. During the roofing project damage was discovered on a skylight. The roofing company needed to update their quoted price and ended up deciding XXXX dollars was fair. We agreed and began the paperwork, finished the roofing job, and we recieved our loan paperwork in the mail. ONLY the {$16000.00} loan was disbursed and that money was paid directly to the roofing company. 

When I logged into foundation finance 's website shortly after in XXXX, it listed both the the quotes as loans we owed money on as two separate loans payments were owed for. I called the company, they said the issue would be resolved and absolutely nothing happened. 

I called again XX/XX/XXXX, and was told the same information, it would get fixed but it would have to wait until Monday. I only received one loan of XXXX I did not receive the XXXX loan, but they are trying to collect on it.
Consumer complaint received 2020-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have opt- out all promotional offers and stop doing inquiries as loans credit cards and all offers as I se on my credit report. I have not requested or ask for Pay Day loans or any credit offers as I se on my credit files. I also want all offers and Inquiries removed as i see on my credit report
Consumer complaint received 2020-02-02
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: URS Holding, LLC (NY)

Alltran Education is trying to collect debts on behalf of department of education each time I would ask to verify the debt they wont verify the debt owed and the debt is unverifiable but still won't remove the debt from my name. 
Theyre abusing the power for been department of education and the power of issuing debts to private lenders and for-profit schools without any validation but yet choose to use me to pay a false debt that shouldnt been ever created. 
Loan were originated by a for profit school without my authorization, application was received electronically without my own personal signature which leave rooms for errors and fraud and misleading information and department of education issue a debt won't the school. 
When filed a complaint to further proof the debt and their method of investigation they refuse to provide names of people they have been in contact with from XXXX XXXX XXXX XXXX during the process of their investigation. 
The investigation and the verification request has never been received, insufficient or not valid if I didnt physically sing to receive the debt the original loan application isnt valid. 
XXXX XXXX XXXX XXXX is closed and department of education still holding me accountable for a debt because they can't validate the debt.
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (GA)

JPMCB, XXXX account for XXXX XXXX I am a Veteran and durning this period of time, I was very sick XXXX and I was on my back with XXXX and My family took advantage of my illness and fraud with these company, I went to court, and explain and was told, this information would be remove from my credit report, I am trying to get back on my feet, and feeling better, but this cause me and my family financial Determine. I kindly ask as Veteran of XXXX war 's and suffer with XXXX and XXXX XXXX while serving this great country, my system is not the same any more. 

JPMCB Card Services XXXX XXXX XXXX XXXX. DE XXXX XXXX XXXX accounts
Consumer complaint received 2020-02-02
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: ID Analytics, Inc. (NJ)

On 2 occasions starting in XX/XX/2019 via Sagestream Website and in XX/XX/2019, via certified mail, I requested that sage stream LLC put a freeze on my credit report and send me confirmation and they have not sent me confirmation. In betwee the time of XX/XX/XXXX -XX/XX/2019I have left numerous voice messages in regards to the matter but still no confirmation. 

I submitted the Proper copies and my Photo ID and well as copy of my SS card So for some strange reason Sagestream doesn't seem to want to honor my request. Help and assistance is needs to obtain my security freeze and security PIN
Consumer complaint received 2020-02-01
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. (MI)

I have called transunion to have some inquires removed due to a server error. These inquires are as follows : XXXX XXXX XXXX XXXXXXXX XXXX via -XXXX XXXX  XXXX XXXX XXXX via XXXX XXXX  -XXXX  XXXX XXXX  -XXXX  XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX Customer service would not take care of the negative inquires reporting to the credit report.
Consumer complaint received 2020-01-31
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. ()

I spent the whole afternoon ( XX/XX/XXXX ) with Experian trying numerous ways to unfreeze my credit so that I could make an application for a mortgage. 

Over the last several day I was unable to unfreeze my credit with XXXX  and XXXX  with minimum of difficulty compared Experian. My bank is requiring credit report corroboration from all three agencies for my application. 

Experian have no access to a 'human ' and I eventually found a number after searching XXXX Reviews for several hours 'how do I reach a human at Experian? ' at XXXX, after numerous failed attempts at trying to unfreeze my account on-line. All accessible and XXXX type accessible phone numbers for Experian gave menus that did never lead to a human and abruptly ended with 'Goodbye '. 

Experian absolutely refused to resolve my request to unfreeze my credit by phone and also claimed that I had been sent a PIN by mail that I never received. My problem is that I have recently moved to XXXX   and I am staying with a friend and do not have a utility bill or a bank statement to this address in the US. 

Since Experian is refusing to unfreeze my credit report I left in a situation that I am unable to get a mortgage pre-qualification letter to buy a home. Of course my XXXX address and records since XX/XX/XXXX don't count and I sold my apartment in XXXX  XX/XX/XXXX. 

It is absolutely incredible that Experian would HIJACK my credit report and ability to negotiate a mortgage and not even provide access to communicate with a human, an email address for customers or a Fax number or street address to securely send documents just a PO Box ( Experian 's National Consumer Assistance Center at XXXX. XXXX XXXX, XXXX, TX XXXX, physical address on the web is not given and apparently the company is headquartered in XXXX XXXX ).

The ability to selectively and temporarily reverse my credit freeze is of the utmost importance for my protection of my financial identity and credit and I actioned this when I understood that I was a victim of the XXXX  hack. What is inappropriate is that there should be such disparity of consumer service of Experian compared to XXXX  and XXXX. This is the substance of this complaint and I request CFPB in breaking the hijacking of my financial identity by Experian. 

Thank You and So Very Respectfully,
Consumer complaint received 2020-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MN)

Switched mobile carriers years ago from XXXX to XXXX. My bill was supposed to be paid by XXXX then they charge me. Now a company XXXX XXXX is continuously selecting my efforts to resolve this. 

Last four of my SSN is XXXX Website wouldn't let me enter it in the box it said to.
Consumer complaint received 2020-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Clarity Services (VA)

iI CALLED CLARITY SERVICES INC TO DISCUSS WRONG PERSONAL INFORMATION ON MY CREDIT REPORT. THE PERSON WHO I TALK TO PUT ME THROUGH ANOTHER BUT I FELT MY INFORMATION WAS NOT GOING TO GET CORRECT. ON PAGE 6 WHERE IT SHOWS PERSONAL INFORMATION MOST OF THAT IT NOT MY ADDRESS AND I NEVER HAD BEFORE. MY NAME IS XXXX XXXX  XXXX OR XXXX XXXX I DONT GO BY THE NAME XXXX XXXX XXXX WHICH WAS REPORTED BY XX/XX/XXXX. I NEED TO HAVE THIS NAME REMOVE OFF MY CREDIT FILE .HOME ADDRESS XXXX XXXX XXXX XXXX VIRGINIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX AND XXXX XXXX  XXXX XXXX VIRGINIA XXXX THESE ADDRESS I DONT USE AT ALL. MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX AND BEFORE IT WAS XXXX XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX WITH THE ADRESS OUT LINE I WANT THEM REMOVE OFF MY FILE. WORK ADDRESS XXXX XXXX XXXX XXXX VIRGINIA NOT MY WORK ADRESS WHICH WAS REPORTED XX/XX/XXXX HOME PHONE NUMBER XXXX XXXX I DONT USE THHESE PHONE NUMBER ANY LONGER AND WOULD LIKE IT TO BE REMOVE DATE OF BIRTH XX/XX/XXXX IS NOT MY DATE OF BIRTH AND I WANT THIS TO BE REMOVED MY CURRENT DATE OF BIRTH IS XX/XX/XXXX THERE ARE TWO PAY DAY LOAN ON MY FILE FROM XXXX XXXX XXXX XXXX WHICH WAS OPEN ON XX/XX/XXXX I HAVE NEVER OPEN ONLINE ACCOUNT BEFORE NOT IN XX/XX/XXXX AND I AM DISPUTING THIS ACCOUNT AND I WANT THIS TO BE REMOVED OFF MY CREDIT FILE
Consumer complaint received 2020-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CO)

I submitted a complaint to FedLoan Servicing in XX/XX/XXXX demanding they review my account and phone call recordings because I was given the wrong payment estimate when I called in XX/XX/XXXX and asked about enrolling in a plan that would be eligible for PSLF. They failed to account for my family size and spouse 's student loan debt and said my payments would be way higher than I could afford, so I didn't enroll in that plan. When I spoke with a rep in XX/XX/XXXX they estimated my payment under an eligible plan and it was almost exactly the same as the payments I had been making all along. 

Ever since my complaint, I haven't received any updates on whether or not they will count my payments towards PLSF or not. And even now that I have been in a REPAYE plan for over a year, the number of " eligible '' payments reported on my account for PLSF is 4. Just 4. I've been repaying on these loans and working full-time for a XXXX XXXX XXXX for 5 years. I should be half way done with qualifying for PSLF. 

I have notes from a call I made to FedLoan on XX/XX/XXXX where they informed me I was and had always been on a Standard repayment plan. I spoke with the following reps : XXXX, rep ID # XXXX XXXX, rep ID # XXXX What's worse is that the REPAYE is horrible. I'm looking at my payments and only {$30.00} of my $ XXXX/monthly payment is going towards principal. If I'm not going to ever get PSLF, I want to stop paying {$370.00} in interest to FedLoan every month and refinance with a better company into a standard repayment plan to just get it paid finally. 

I've called FedLoan 2-3 times per year and everyone has said " they are still reviewing/researching your account ''. Well, 2 years later I'm not going to wait any more. I want answers.
Consumer complaint received 2020-02-01
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Yes Good day I spoken to capital one last weekXX/XX/XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX  etc. 1 ) I was asking to trouble shoot on line to change myo password., But it didn't work2 ) then I call to compaint about this and they will try, didn't work. I wanted to update my information. There weren't helping on line technical problems toward me. They're never charge anyone, any over the limit fee or late fee. 3 ) Well they change my due date screw up without telling me. I call them to fix it to change my date again it take 1 or 2 months. Well they kept XXXX  my acct with late fee .this is harassment. My XXXX XXXX has arose. They try to remove some late fee but now I can't use on line to change my password.so when I got a change to call they refuse to help me on line. And they couldn't send me a text with my new number and. they're lazy to remove my old numbers when I was changing in the past. Text was unsuccessful nobody trouble shoot it. Wasting my time.again all phone if it has texts option it should work period. No explanation again.again my acct is over the limit because of them and them sabotaging my acct, harassing me. Now there asking to send if by mail not going to do this. So they can say I didn't get it.I always did a change on line with using my cvc codeof back of credit card to change password. We can't have businesses who are hurting us consumers meanwhile there making money. They need to fix on line changes using cvc code again.i like to have 2password one for date of birth and social security.so I can have a peace of mind and security on my side not for then for my nearby neighbors, stranger on phone listening to me talk..there phone line don't offer security on phone against outside criminal listening. I demand 2password to be verified .when we all have stress free verifying with better option. They Need to fix trouble shoot on line change of password. So now they added extras charges .never had sent me no letter about change of my payment. I will pay on the XXXX. Again.thank you for helping all depend password s over the phone