davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-14
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: Experian Information Solutions Inc. (CA)

Experian continues to report me as having late payments on an account that was closed in XXXX and debt cancelled due to the creditor violating the terms of the agreement. In XXXX, I finally got an official debt cancellation notice 1099-C. The other credit unions show the old account as a closed account but not as a negative, charge off, late or failed pay. Only Experian does this and has continued to do it past the account existing at all! Every month, they still log me with a CO or FP for a closed account with a {$0.00} balance. It wasn't charged off, it was cancelled due to fraud, mixed files and other non-verifiables. They never fix the fraudulent late pay history on their report thus getting me denied a business loan from my bank for late payments that never happened. They also fail to give me increases for payments I did make on other accounts and their website and phones don't work. I submit disputes and they'll change small details in 30 days, but not the problem and don't give me my real score. When a company did a hard check, it was much higher than what Experian told me it was. Then I call and get left on hold for 2 hours, hung up on 3 times in one day and told my IRS form can't load due to technical issues, then told it went through but finally get an agent who doesn't know how to find it, directs me to another uploader that also doesn't work. They also report late payments for a student loan that doesn't belong to me and says balance {$0.00}. Despite the fact that these accounts aren't supposed to be there at all, how would one pay {$0.00} on time?
Consumer complaint received 2019-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I Have contacted them about validating a bankruptcy on my credit file, they came back verified, So i went to the us federal court and asked did verified the bankruptcy and they said they did not and never do verify bankruptcy. I then contacted the third party company they use and they said the same thing plus my file was frozen with them so they dint. According to FCRA they have to be able to verify all account on my credit report and supply me with how and the information they verified. They lied and has not giving me the information about this and or in violation of my rights, i want to settle this with having to involve the court.
Consumer complaint received 2019-06-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (FL)

I was not made aware that I could dispute this transaction because I had no notification of a past due bill or that it affected my credit score until now.Cost {$2500.00} ( estimated ) to XXXX was not made Aware of do. No contact through via email phone or anything
Consumer complaint received 2019-06-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

-Installment Loan Account # XXXX - Effective date XXXX. Amount financed {$2500.00}. Payment schedule : 51 biweekly payments of {$190.00} starting on XX/XX/XXXX, 1 payment of # XXXX on XX/XX/XXXX. 

One payment skip allowed, and taken. Email from Cash Central dated XX/XX/XXXX confirms new payoff date to be two weeks from the original payoff date of XX/XX/XXXX, XX/XX/XXXX. Enclosed below. 

XXXX, Thank you for your email. As of today, your maturity due date shows XX/XX/XXXX to be paid in full. If you have any additional questions or need assistance, please respond back to this email or give us a call at XXXX. 


Thank you, XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX When I called this morning to confirm payoff, Cash Central refuses to acknowledge both contract and email - they claim a balance of {$1400.00}. They are unable to account for this.
Consumer complaint received 2019-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Cosmo Credit Repair (TX)

XX/XX/2017 -I CONTACTED THE COMPANY TO FIX MY CREDIT. I WAS CHARGED A LARGE DOWN PAYMENT AND MONTHLY PAYMENT FOR 6 MONTHS AND WAS GUARANTEED THAT MY CREDIT SCORE WOULD GO UP IF NOT I WOULD RECEIVE 100 % OF MY INVESTMENT BACK. I HAVE THE EMAIL THAT STATES THAT -TIL THIS DAY THE COMPANY HAS NOT AND THEY ARE GIVING ME THE RUN AROUND.
Consumer complaint received 2019-06-14
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: Experian Information Solutions Inc. (MI)

I asked XXXX  and XXXX and Experian to be compliant with federal tax code, to which they havent with regards to my complaint.ive filed 3 disputes with all three companies under this premise article 26 the United States Federal Tax Code states : Attempting to collect such monies, fees, etc. for an unsecured debt that has been claimed on federal taxes as a loss, and sold to another company for compendation constitutes fraud in any of the 50 states. Under this premises legally these attached debts arent mine and need to be removed.

When I refer to these debts. I'll attach the debts/creditors charged off on their tax returns these debts, freeing me of any obligation to repay them under as above mentioned article 26 of United states federal tax code. I'm just asking for what is just and legal. These billion dollar corporations have recouped their losses and to pay them would be double dipping and collection agencies that buy these debts for pennies on the dollar are committing fraud for trying to collect. I'm asking you to force XXXX  and XXXX and experian to follow the law and remove these attached debts from my credit report. Experian followed the law now in asking XXXX and XXXX do the same.
Consumer complaint received 2019-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/XXXX I contacted the account protection department of comenity capital XXXX Master Card because I was notified that my account was closed. The account was paid off XX/XX/XXXX and when I asked the customer service rep why it was closed she had no idea and said possible fraud but she didnt understand why it was closed then she proceeded to say I could speak to a manager and look into reopening once she did she said it could not be reopened it I would have to reapply. Several of my friends have accounts or I should say had accounts with this bank and they would open the account and close it there are multiple complaints about them closing the accounts after opening them for a short period of time. Something needs to be rectified here.
Consumer complaint received 2019-06-14
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 have had student loans since XXXX ... I went to quite a few schools and graduated in XXXX. I originally had some direct loans and paid XXXX XXXX I think. I had some loans from XXXX that were FFEL loans and then Direct loans for my Masters. ( I am a XXXX ). In XXXX they were all consolidated into FFEL loans and I was told to pay XXXX ( XXXX XXXX ) so I did. I just kept paying. When PSLF came around in XXXX I was told I was on the right plan. I really wasn't told anything except to pay 120 payments and work for public service. In XXXX, I received a letter saying I would have a new loan servicer which would be XXXX. They sent me something to sign even though I don't actually remember that ( they just said I did and sent me a copy of it ) to consolidate with them and just keep paying so I did. I have paid 120 payments. I have worked as a XXXX for all these years as well. I applied for PSLF and received a letter stating none of my payments count because until XXXX they were FFEL loans, and I was under the wrong payment plan when they were consolidated with XXXX. They are saying I need to start all over. Are they crazy??? I have been paying them for what seems like my entire life. The government is the one that consolidated many of my loans to FFEL in XXXX. Many were Direct loans to start with. At this point I am XXXX, and I certainly don't want to start my 120 payments again. I truly feel they made this plan up as they went. In XXXX the game was work in a government job and make 120 payments. Now they want to change the game. Tell us certain loans apply and other don't. Well in my case, the government decided to consolidate my loans into FFEL loans. I could have cared less what kind of loans they were or who I was paying. I was just trying to pay the off. I feel like they are cheating many of us out of something we have been working towards. I have paid 120 payments totally {$39000.00}. since XXXX. I have been cheated and lied to. I am sure I am not the only one in this situation. The system needs to be fixed. It needs to be fair for all of us that have paid, and worked for years thinking we would get our loans forgiven.
Consumer complaint received 2019-03-03
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. (SC)

I have been a victim of Identity Theft. The following accounts are fraudulent : To protect myself from further harm, I have filed a consumer protection and an Identity Theft report. ( See attached reports. ) I did not authorize these fraudulent accounts. I have also provided you with copies of my social, current and past address and license.
Consumer complaint received 2019-03-14
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. (VA)

I FILE CHAPTER XXXX BANKRUPTCY ON XX/XX/2016 AND MY CASE NUMBER OF MY BANKRUPTCY IS XXXX. XXXX XXXX XXXX   XXXX WAS NOTIFY OF MY BANKRUPTCY ON XX/XX/2016 BY CERTIFICATE OF NOTICE FROM THE BANKRUPTCY COURT. I WAS DISCHARGE FROM BANKRUPTCY ON XX/XX/2016 OF THIS DEBT FROM XXXX XXXX XXXX XXXX. AND THEY WERE NOTIFY OF MY DISCHARGE FROM THE COURT ON XX/XX/2016. I HAVE DISPUTED THIS IN THE PAST WITH THEM AND SO FAR NOTHING HAS BEEN DONE TO COMPLETE MY ERROR. I REACHED OUT TO TRANS UNION AND THEY STATE TILL THIS DAY THEY HAVE NOT RESPONSE TO MY ISSUE AND ACCORDING TO THE LETTER THAT I RECEIVED FROM XXXX XXXX XXXX XXXX THEY HAVE NO PLANS TO FIX MY ISSUE. ACCORDING TO THE THE FAIR CREDIT REPORTING ACT I BELIEVE IF A CONSUMER FEELS THAT THERE IS ERROR ON THE CREDIT REPORT THEY HAVE LOOK IN AND FIX ANY ERROR. ON MY TRANS UNION CREDIT REPORT THIS ACCOUNT WHICH IS DISCHARGE UNDER MY BANKRUPTCY IS STILL SHOWING THIS ACCOUNT IS STILL OPEN BUT NOT CLOSE. I CALLED XXXX XXXX XXXX XXXX ON THE NUMBER XXXX AND I STATE TO THE REP WHO ANSWER THE PHONE O STATE THAT I WAS NOTIFY ON THE PHONE THAT ACCORDING TO TRANS UNION THIS ACCOUNT WAS PART OF MY BANKRUPTCY BUT THIS ACCOUNT DOESNT HAVE A CLOSE DATE AND THIS ACCOUNT IS STILL SHOWING AS OPEN. I AM NOT ASKING ASKING XXXX  XXXX XXXX XXXX TO REMOVE THIS ACCOUNT OFF MY CREDIT REPORT. THIS ACCOUNT IS DISCHARGE UNDER MY BANKRUPTCY AND THIS ACCOUNT IS CLOSE AND IT XXXX   XXXX XXXX XXXX JOB IS TO CONTACT TRANS UNION TO UPDATE MY CREDIT FILE AND STATE THAT THIS ACCOUNT IS CLOSE AND DISCHARGE UNDER CHAPTER XXXX BANKRUPTCY. SECOND XXXX XXXX XXXX XXXX   HAS THE WRONG DATE LISTED ON THE LETTER OF MY DISCHARGE OF MY BANKRUPTCY. I HAVE ENCLOSED MY DISCHARGE LETTER TO SHOW THE CORRECT DATE AND THEY NEED TO UPDATE MY CREDIT REPORT AS SUCH
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: John C. Heath, Attorney at Law, PLLC (OH)

In XX/XX/XXXX, my husband and I contacted XXXX XXXX XXXX to start with credit repair services. They stated it would be $ XXXX, per person, but did not disclose how many months it would take to finish the case. So we started the process, paying $ XXXX for both my husband and I to do this in hopes that by this spring ( XXXX ) we would be ready to purchase our first home. We were sadly mistaken. It has been 6 months now and we have seen minimal, if no, progress at all. They would send us emails stating that certain things were removed from our credit report, only to find out months later, that it indeed was not. The biggest thing was our bankruptcy from XXXX. They stated that it would be an easy fix to get removed. In XXXX, we were sent an email that it indeed had been removed. Looking at our full credit report this month, it was NEVER removed. So we were paying for services, that they said were happening, but were not. We paid a total of {$1500.00} to XXXX XXXX and it only hurt our credit more. This has been a very upsetting process and the loss of the monies that we spent have been even more upsetting. We were promised a certain service and it was not provided and paid a lot of money for the services not rendered. We have since canceled our services ( which was not an easy process and they said they were still going to charge us again in XXXX for another month of services that were not rendered. I told them I would not be paying them in XXXX and they stated they will withdraw it from the account on file, which I did not authorize ) in hopes that we can repair our credit ( and the damage that they did to it ) on our own or with another company. The fact that they did not disclose how long it would take or how much money we would be paying, is falsifying to their customers. I will attach all the letters from XXXX XXXX and can provide our credit report to show that these were not in fact removed, if needed.
Consumer complaint received 2019-06-26
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: TOYOTA MOTOR CREDIT CORPORATION (FL)

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : TOYOTA MOTOR CREDIT, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX   AND XXXX. ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # XXXX, DATE : XXXX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX.
Consumer complaint received 2019-06-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Regional Management Corporation (TN)

XXXX my main issue is insurances placed on loan and informed it is requirement to get the loan. Personal property insurance and life and XXXX. Also I noticed while at the office the lady when I paid my loan off went to the back room left the door open and threw my paid off file in a box with other closed paid off customers. My personal information as well as 100 's of others is not secured at all they are just sitting in boxes. I asked to use the bathroom and when I went back there where this box was there were dozens of boxes like this marked paid off with the month and year on them just sitting around. My credit app is in my file with my credit report. I asked why they dont secured them and the lady said this is how every Regional Finance office does it and there has never been a issue.
Consumer complaint received 2022-07-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cascade Capital, LLC (VA)

My husband spoke as a representative to XXXX at XXXX XXXX XXXX where she proceeded to tell him if we set up a payment plan they would not report to credit agency. Two days after payment they reported the debt. When I called in XXXX XXXX ( XX/XX/12 ) informed he heard said call and they can still do it. I have asked to hear call with no luck. XXXX at extension XXXX is now claiming he will only help if I pay full amount. Lying to collect money.
Consumer complaint received 2019-01-17
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. (MD)

I did not sign any contract with the following companies.. Given the growing cases of identity theft, I'm sure that you'll agree with me that verification will protect both my interests and this company 's interest XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-06-14
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. (TN)

Soon after getting the card, I lost my job. So i did indeed miss payments as well as had a returned payment but I called and notified the company at all times and even when each payment was due, they said it would be ok as long as I make a payment as soon as possible ... which I did. Ever since I gained employment again I have been making payments on time as well as paying well above the minimum payment ( to avoid the card being closed as I am trying to fix my credit ). I called XX/XX/2019 at XXXX and spoke with XXXX from South Dakota ( she was not willing to give me any other information ). She was rude and condescending.. had me on hold for 30 mins and came back to the line and said I would have to call back tomorrow. I called back XX/XX/2019 and spoke with XXXX in KY from team 5 ( she would not give anymore information ) and my account was closed and she said there was nothing she could do! Apparently this company is in the business of taking peoples money and then closing their accounts! Ive never heard of such a thing. Especially for a customer that is trying to do the right thing. I feel as if I am being punished for trying to be a good customer, which is unacceptable. If they were going to close the account, they should have did it when I was MISSING my payments, not MAKING THEM! On XX/XX/2019 two payments were taken out of my account, one for {$150.00} and one for {$250.00}. Not only did they not make the funds available but they then proceeded to close the account, which is mind baffling to me. When I called to ask for explanations I just kept getting transferred finally for someone to claim there was nothing they can do. I WILL NOT RECOMMEND THIS COMPANY TO ANYBODY AND I WILL BE FILING A COMPLAINT WITH THE XXXX XXXX XXXX!
Consumer complaint received 2019-06-14
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management (MO)

Payday loan company DBA as XXXX and collecting as " PLAZA SERVICES '' inflated original debt of ~ {$400.00} to over nine hundred, and re-aged account at least once to XX/XX/XXXX.  Account has XXXX of XX/XX/XXXX. May be fraudulently verifying inaccurate account details to XXXX, et al.
Consumer complaint received 2019-06-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

In XXXX of XXXX I requested a one month emergency deferment from Toyota Financial services, for XXXX XXXX payment. I explained to the representative that in XXXX of XXXX, I was seriously injured in a car accident, and could submit documentation to verify my claims. I was informed even tough I had been granted prior request for the year of XXXX, due to it being an medical emergency the requested would be granted. I was told my next payment would be due in XXXX of XXXX, which was paid, but the payment was applied to XXXX payment. I have contacted Toyota Financial Services several times, and have been placed on hold for over 1 hour & 45 minutes several times. Each time I speak with someone I have been told I had exceeded the amount of deferments for the year. This was explained to the representative when I spoke with her in XXXX that I was granted prior deferments for the year, and I was told it would not be a problem because this was a medical emergency. Here it is I'm literally struggling to maintain daily life functions from a auto accident, and XXXX continues to destroy my credit each month with 30 day late payments. It is clear that XXXX still has bad business practices, even after settling a class action lawsuit for charging people of XXXX higher interest rates. Unfortunately for me I happened to be one of the purchasers that was charged higher rate due to the XXXX of my skin and was compensated in a class action suit by U.S D.O.J. Now my credit is being destroyed for an agreement that was issued by Toyota Financial Services, and not kept. XXXX customer service department are inadequately trained, and no customer should be on hold for over an hour. The list of complaints could go on for the lack of quality customer service Toyota Financial Services provides, and their choice of PLACING CERTAIN PEOPLE IN DIFFERENT FINANCIAL CLASS.