davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OZK (NC)

XXXX XXXX XXXX card from XXXX XXXX is not putting my payment towards my account and now put into a collection account. this is not the agreement that I intial was offered 48 months 0 % financing. the other card was a XXXX XXXX card XXXX card which was my dad 's card and I was paying it and they took my money and them sold my account to XXXX XXXX for the amount that I had paid to them. I have tried to get in touch with them but will not return my calls or my emails. I should not have to pay this card twice and it was my dad 's account for previous debts before he passed away in XX/XX/2014. they added to my account because we have the same name and address at that time.
Consumer complaint received 2020-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (NH)

The company was calling random people in my distant family asking for me, people I have no relationship with and never have. Said people then contacted my mother to ask her to pass along that a debt collector called their house and cell phones looking for me. They do not have permission to call ANYONE. It is a total violation of privacy. To top it off they were calling about a debt I resolved five years ago.
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Hi I have have contacted the bureaus for them to correct this mistake.i have so many inquiries that was not authorized by me. Could you please correct this the customer service was so rude and they did not try to help me or get me a supervisor here is the list of inquiries that needs to be removed XXXX XXXX XXXX  XXXX XXXX XXXX . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX
Consumer complaint received 2020-04-03
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: CITIBANK, N.A. (NY)

To Whom It May Concern I am currently looking at my credit report XX/XX/2020 it says on XX/XX/2020 I applied or gave an approval for them to run a hard pull on my account. This information is inaccurate to my knowledge. I called cbna and gave them my social they said I did not apply for anything new. So I than asked what is this hard pull about they had said there shouldn't be one on my credit report. I did not open or authorize any new account or give my information out. So I believe this to be some type of fraud. The customer service rep told me to dispute with XXXX  directly. This way the hard pull comes off my account. 

I will post a picture of what Is coming up so that you guys can see it.
Consumer complaint received 2020-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center (MN)

Premier Student Loan Center ( PSLC ) contacted me stating they could reduce my student loan because they had an agreement with the United States Department of Education Fed Loan Servicing If I made payments to them they would negotiate my student loan repayments and so long as I made these payments for 20 years, consistently, the remainder of my student loan would be forgiven. They took from my checking account {$190.00} XX/XX/XXXX, {$190.00} XX/XX/XXXX, {$190.00} XX/XX/XXXX, {$190.00} XX/XX/XXXX, {$190.00} XX/XX/XXXX, {$190.00} XX/XX/XXXX. Starting XX/XX/XXXX of XXXX until XX/XX/XXXX they took {$40.00} from my checking account. I noticed the payments were no longer being taken. I called PSLC and to my surprise found out they were put out of business and there is a lawsuit against them. XX/XX/XXXX The Consumer Financial Protection Bureau suspended their operations due to suspicion of fraud in Minnesota and 2 other states. The message said to go to XXXX to find more information. There was very little information and it said I should have received an email including me in the lawsuit against PSLC. I did NOT receive any email stating this. I called the United States Department of Education and was informed that PSLC was a scam. To my shock I found out that PSLC lied to The Department of Education and told them I had 3 dependents, to lower my payments. I do not have any dependents and NEVER stated I did. Not a penny of what I paid has gone towards my student loan, the balance has continued to increase. NOTHING WAS PAID TOWARD MY STUDENT LOAN!! THEY HAVE STOLEN ALL OF MY HARD EARNED MONEY!!
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (PA)

I set up recurring payments on Barclays billing website. I was under the impression that my bills were paid on a recurring basis. Barclays never initiated the payments. Barclays never notified me that any bills were overdue. I contacted the representative from Barclays, he agreed with me, reversed late fees and advised me to send a letter to Barclays Headquarters. They denied this claim. I initiated a complaint with XXXX  and also did not correct this issue. My credit has been flawless for the past 20 years. This caused a 100 point drop in my rating. This is a total violation of my rights as a consumer.
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sezzle Inc. (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2020-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. I was contacted by a bank in reference to a loan that I did not apply for. That prompted me to check my credit report for accuracy and I found that someone has used my personal information to apply for several loans. This is my second time reporting this because the first time I reported it I only noticed inquiries for fraudulent applications. I just checked my credit report and now there are several fraudulent loans being reported on my credit. SOMEONE GOT A CAR USING MY PERSONAL INFORMATION. HOW CAN THAT BE POSSIBLE? My credit score that was once 800+ is now XXXX. I AM DEVASTATED! I need help and it seems that no one is willing.
Consumer complaint received 2020-01-21
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. (GA)

The creditor XXXX XXXX I ask them to remove this from my credit report because in the State of Georgia the status of limitations is six years and the creditor can not collect on a debt.Plus my balance was {$110.00} and it goes to {$200.00}.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (FL)

XXXX XXXX XXXX XX/XX/1973 last XXXX ss # XXXX After filling complaint with early warning reporting agencies XXXX XXXX and XXXX XXXX continually report fraudulent opened accounts affecting me from opening accounts on my own without them verifying my identity and hard copies of any application with any signatures matching signatures on my Dl 's XXXX XXXX contended that the account was opened online but the address that's on file is a commercial property with businesses I never lived in a commercial property or owned one either. XXXX XXXX act as if I'm the one wrong by calling me and drilling me like I did something wrong. But the truth is someone stole my identity hacked my phone number, email address and applied for car loans while I was working over the road and I would help in any way I can to find out who's doing this because it's a ongoing problem everyday I get a email saying my social security number is being used while I'm thousands of miles away from Florida. So if their not willing to fix this I will challenge them on Court got fraud, defermation of character and opening up fraudulent accounts in my name.
Consumer complaint received 2020-01-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (SC)

I am an XXXX XXXX military member ( XXXX XXXX ), I entered XXXX XXXX in XX/XX/XXXX and am currently stationed at XXXX XXXX XXXX in South Carolina. 

I was in need of furniture for my apartment and visited XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, SC XXXX - XXXX ) in XX/XX/XXXX. I worked with a female sales associate at the store. During our time together, she asked about my profession and I verbally told her that I was in the XXXX XXXX. After selecting my new furniture, the sales associate set me up on a computer at the store to apply for financing. On this online application, it also asked about employment, monthly income and the pay schedule. On the application I documented that I was in the XXXX XXXX and received pay on the XXXX and XXXX. 

On XXXX XX/XX/XXXX, I was approved for a loan of {$2800.00} with an APR of 145.09 %. The furniture was delivered to my home on XXXX XX/XX/XXXX and my first payment ( {$180.00} ) was paid on XXXX XX/XX/XXXX. My payment schedule is {$180.00} twice a month. The loan is through American First Finance Inc ( XXXX XXXX XXXX, XXXX, TX XXXX - XXXX ). 

After purchasing the furniture, my supervisor reviewed the contract with me. It was then that I realized the severity of the 145.09 % interest rate. Including the finance charge ( {$5900.00} ) and the amount financed ( {$2800.00} ), the total amount of payments is  {$8700.00}. 

My supervisor referred me to work with a Financial Counselor at the XXXX and XXXX XXXX XXXX on base. She informed me of the violation of the Military Lending Act by American First Finance Inc. The approved APR should not have been above 36 % because I am an XXXX XXXX military member. I informed both XXXX XXXX and American First Finance Inc of my status as an XXXX XXXX member. 

I have submitted a written letter of notification to American First Finance Inc of this violation.
Consumer complaint received 2020-01-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NV)

I was sent invoices in the mail from JCpenny 's. In 2019, I had a roommate who had stolen my information and had opened lines of credit. I don't know which one, as it was 2 and both parties denied it, but I did file police report, etc. For our household, we all had copies of the mailbox key, front door key, etc. As of now they no longer live in my home due to this however, it was going on for months and I had no clue regarding it. This is one of those accounts. I did not open this account and with respect, would never. Not for a few hundred dollars when I have credit cards with large limits.
Consumer complaint received 2020-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

I currently have a Unsubsidized Consolidated Loan with Navient. I took the standard 10 year repayment term and have been paying by automatic bank drafts every month. I have never been late and have made extra payments to my loan in order to pay off this loan early saving myself approximately four years in interest payments.

In the past I have felt, as has been alleged in charges filed against Navient, that they have never acted in my best interest. I always came out on the wrong end of the stick so to speak.

I have managed to repay this loan and can potentially pay it off within the next 16 months saving me a large amount of interest and time in terms of the length of the original ten year repayment term.

Navient, now curiously that the 0 %, interest has been offered by the Federal Government, wants to increase the length of my loan. I had strategically been increasing my payments in order to take advantage of the 0 % government mandated change to Federal loans in repayment ... of which my loan qualifies.

Navient now wants to extend my loan repayment timeline, stating they NOW notice that there is a much shorter time line, based on the payments I have made, for the loan to be paid off. That of course from my perspective is the point. That was my intent all along. I did not request any change to my loan agreement. Frankly, I suspect Navient does not seek to act in my best interest. They have never acted in my best interest in the past.

I have sent an email on their internal email site asking them to explain how does what they are suggesting, increasing the time for repayment, help me? I fail to understand how what they propose helps me at all. I did not ask them to change the terms of my loan and demanded that they leave my loan alone and uphold the terms of my original agreement, unless they can show exactly how I can benefit.

I am concerned that other Navient clients in the same position fortunately that I am, may be taken advantage of by Navient, with clients wanting to use the 0 % interest rate to their advantage.

They did not seek to make any changes prior to this 0 % interest rate. They were happy to charge the exorbitant 6 %. Now why the rush? I suspect it's because the rates are now in the borrowers favor to take advantage and significantly move towards paying off their loans.
Consumer complaint received 2020-04-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FMA Alliance, Ltd. (TX)

OnXX/XX/2020at XXXX cst, I received a phone call from number XXXX.I missed the call.A man answered the phone and said they had numerous departments and didn't know who called.He pretended to put me on hold and started asking for someone whose name he couldn't quite pronounce very well.He also did not ask for a number before asking for the person. 
I called and spoke with another lady, who told me she could not tell me anything at all.She later said her system was updating then it went to her asking the number I was called on, which I then provided.She said she did not have a record of my number on their file so I don't know who to believe of the two individuals. 
She went on to say she could not provide me information and was probing me for info.I told her if she could not tell me who she represent, I can't help her any further. 
I went on to google the number and I read they threaten to have a sheriff arrest you or ask for a credit card number. 
I want them to stop all and every harassment.If there is anything pertaining to me, they need to put it in writing. 

Thank you.
Consumer complaint received 2020-04-03
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. (NV)

I have paid off my account which is now a XXXX balance. The last reporting on my credit report is showing that I owe more than {$1900.00} XXXX  and XXXX XXXX  Account ( XXXX XXXX ; Main account holder and fiance ) ; Account # XXXX. Please rectify this issue to show a XXXX  XXXX  and that I am in good standing with a XXXX  balance. XXXX stated that there was an error per phone call ( which is FCC regulated and confirmed via recording ), according to the Fair Credit Reporting Act. Please fix this issue immediately as I am buying a new home and this has negatively impacted my score to do so due to the debt to income ratios.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (DC)

Im writing to request assistance with a late payment reported by my Macys Store American Express credit card, which resulted from the card company locking my account due to theft. I would like this late payment removed from my credit history. 

While traveling, my wallet, which contained my credit cards, was stolen. I reported the theft to the Macys Store American Express credit card issuer during XX/XX/2020 and my account was locked until a new card was issued to me. My locked account did not allow me to pay my bill that month. When I attempted to pay my bill that month using the online portal, the amount due showing on the locked account was {$0.00} ; no information was provided on whether I would be penalized for not paying my account or if I should use an alternate method for any payments. 

On XX/XX/2020, I received a paper statement that indicated a balance due with a late fee. I went online to attempt to pay and the account remained locked, with a balance of {$0.00}. I contacted Macys credit card services via telephone to report the issue and they reported that it was an error on their part - due to the system locking my account - and waived the late fee. With the assistance of the customer representative, I paid the amount immediately over the phone for only the amount due, without the late fee. 

The bill still appears to be passed due ; however, the late fee which was waived due to the companys administrative errors has adversely impacted my credit score. Ive tried to contact the card servicer directly ; however, due to COVID-19, there have been no staff members to assist me. Therefore, Im requesting CFPBs assistance in correcting my credit history.
Consumer complaint received 2019-06-21
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: MoneyLion Inc. (GA)

My Complaint is regarding Credit Reporting - Not Being Updated and Reported to All Credit Bureaus Correctly Everyone I speak with at this company is dismissive and does not care about resolving issues. 
I have had ongoing issues with the company. Due to this, I was finally escalated to The Office of The President on XX/XX/XXXX and I spoke with XXXX XXXX/Escalations Department. He attempted to assist me regarding the issue with my XXXX that was taken from my bank account but not added to my Investment Account and my account not being reported to XXXX. 

As of XX/XX/XXXX, Money Lion reported my Plus Loan with the incorrect balance only to XXXX and XXXX. Money Lion advertises that they report to all three credit bureaus but are not reporting my account with all three credit bureaus. 
There has also been no update to my XXXX and XXXX listings since XX/XX/XXXX over 30 days. Per the FCRA, the company is obligated to report accurate information to the credit bureaus. I also had an issue with my money that was taken from my bank account not being added to the Investment Account and unaccounted for. The {$50.00} was taken from my bank account on XX/XX/XXXX on time successfully. However, it wasn't added to the investment account until XX/XX/XXXX manually per XXXX. 

In my conversation with XXXX, he advised me that there is one man responsible for credit reporting and he sent him a message during our call and said that he will call the person directly and call me back. 
He called me back about an hour later an advised that the guy alleged that he sent an update with the correct balance reflecting my two payments to all three credit bureaus on XX/XX/XXXX. 

However, as of today 's date, XX/XX/XXXX, there still has not been an update to the money lion accounts since XX/XX/XXXX for XXXX and XXXX. There is no money lion account currently reporting to XXXX. I have spoken with XXXX and they advised that they report what they receive and the account isn't on the report because it has not been reported. Also, you can not dispute an account that does not exist. This company keeps trying to blame the credit bureaus for issues that they are responsible for. The credit bureau only reports what creditors send to them. 

On XX/XX/XXXX, I called back and attempted to reach back XXXX as he advised that I could call and ask for him directly. I was advised that he no longer works with the company. I previously emailed him and received no response. I was refused escalation of my issue when I requested to speak back to the department who was assisting me and hung up on. I don't know if XXXX is no longer with the company but he is the only one outside of XXXX that I have spoken with who has ever tried to resolve my issues. My credit reporting needs to be corrected by money lion immediately as it is overdue.
Consumer complaint received 2020-04-03
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: EQUIFAX, INC. (MN)

The following credit inquiries listed on my Equifax and XXXX  credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX  XXXX, XX/XX/XXXX and XXXX, XXXX/XXXX, XX/XX/XXXX.