davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-29
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. (PA)

Experian has on my credit report date open from XXXX XXXX on XXXX XXXX but first reported on XXXX XXXX and XXXX months fin but on the other loan that was transferred open XXXX XXXX but first reported XXXX XXXX XXXX months in which the loan was not finance on XXXX or XXXX months it was XXXX Months There was no XXXX written off as stated on my credit file. And how does the loan be transferred with out my consent or does the terms not match up the loan months. 

and on my credit file with XXXX XXXX there is a charge off of XXXX XXXX  showing. 
The months of the loan was wrong and there where the issue of the loan being transferred without my permission nor did I agree to any of the terms when transferred And why did the loan go so many years not reported as it is on my credit files but show up years later. all different dates. 
errors show on credit file XXXX/XXXX/XXXX delinquency XXXX days but closed XXXX/XXXX/XXXX last payment made XXXX/XXXX/XXXX XXXX closed out XXXX as not paid if there was a balance and if I never paid the loan why was the title mail out and the car was traded in. 
XXXX XXXX does nothing but report wrong information and has all different amounts of years showing on my credit file.
Consumer complaint received 2017-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (LA)

In the months of XXXX, XXXX, XXXX, and XXXX of XXXX, I asked Lexis Nexis to have the inaccurate public records data suppressed for two reasons : Firstly, because of an inaccurate public record that they have supplied to the three credit bureaus : XXXX XXXX and XXXX and secondly because of the increasing and alarming rates of identity theft and data breaches occurring. After four months, I finally received a letter from Lexis Nexis on XXXX XXXX, XXXX, which I have included for your review to Opt Out. Well, this inaccurate public information ( Bankruptcy ) is still being reported to the three credit bureaus as I have rechecked my credit reports on XXXX/XXXX/XXXX. This matter has caused me great XXXX and XXXX XXXX. I do n't know which way to turn as Lexis Nexis is violating my rights as a consumer. This company has been putting consumers through the ringer for years, and it is time that they are stopped. Please help me.
Consumer complaint received 2017-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX has on my credit report date open from XXXX XXXX on XX/XX/XXXX but first reported on XX/XX/XXXX and 72 months fin but on the other loan that was transferred open XX/XX/XXXX but first reported XX/XX/XXXX 72 months in which the loan was not finance on 72 or 73 months it was 60 Months There was no {$2000.00} written off as stated on my credit file. And  how does the loan be transferred with out my consent or does the terms not match up the loan months. 

and on my credit file with Trans Union there is a charge off of {$1900.00} XXXX showing. 
The months of the loan was wrong and there where the issue of the loan being transferred without my permission nor did I agree to any of the terms when transferred And why did the loan go so many years not reported as it is on my credit files but show up years later. all different dates. 
errors show on credit file XX/XX/XXXX delinquency 120 days but closed XX/XX/XXXX last payment made XX/XX/XXXX XXXX closed out Loan as not paid if there was a balance and if I never paid the loan why was the title mail out and the car was traded in. 
XXXX XXXX does nothing but report wrong information and has all different amounts of years showing on my credit file.
Consumer complaint received 2017-10-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

Loan xxxxxxxxx. I am a XXXX XXXX XXXX military veteran. 
Texas and XXXX XXXX provide a tax benefit to veterans on their home, homestead, etc. My loan was acquired by pennymac around XXXX XXXX. I have been fighting with them since then to add my exemption around XXXX. Ever since XXXX has taken the loan I have been unable to get the exemption and XXXX has now sent me a letter saying that my escrow is low and they want more money from me.
Consumer complaint received 2017-10-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (TX)

Receive XXXX calls a day from an unknown number. Picked up to ask for them to leave a message with a call back number. They said they would not do that. Continue to call me while at work XXXX times a day and leave no message or contact information. Once again asked for them to leave information so I can call them back when I am not at work. Once again said they would n't.
Consumer complaint received 2018-04-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (NJ)

The stated number -- XXXX -- -has called numerous times daily. Always listed as unknown. Had to XXXX number to see who. XXXX lists as XXXX XXXX. Does not leave message, hangs up when answered and calls from XXXX XXXX  till XXXX XXXX. Calls under different numbers but always same results. Calls on weekends when their office is closed. Have told them to stop with no results.
Consumer complaint received 2017-10-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of James R. Vaughan, P.C. ()

The Law offices of James R. Vaughn has been harassing me over a gym membership that I signed up for in XXXX. I stopped paying for the membership as the locations in Arizona went bankrupt and out of business.. they just started coming after me a few years ago with harassing letters and calls. Showed up at my sisters house and told her I had a warrant for my arrest. I looked at my checking and savings account this morning to find that they had taken out {$3200.00} without my permission. Sending a judgment to my bank.. my bank XXXX XXXX let these funds go without doing reasearch to make sure that this company was even reputable.. I have nothing on my credit for this and no judgments on my credit either.. I did some research on this law firm and it turns out I 'm one of hundreds of people who have been victimized by them ... according to the information I obtained the Law offices of James R. Vaughn in Arizona as of XXXX XXXX is no longer able to collect debt in the state of Arizona. I would love to be able to get my money back as I do n't find it fair that they are able to collect this money after 13 years for a company that no longer exists in the state I reside. This appears to be past the statue of limitations as well.
Consumer complaint received 2017-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (FL)

I am filing a complaint about a scam debt collection agency named Cavalry Portfolio Services , LLC. I looked up the address ( XXXX. XXXX XXXX, XXXX, NY XXXX ) on the Better Business Bureau site and it came up invalid. There is also another address to make payments ( XXXX. XXXX XXXX, XXXX, AZ XXXX ). I received a letter from them asking for {$6200.00} for a XXXX XXXX XXXX / XXXX XXXX XXXX account ( XXXX ) that I 've never had or owe. I would never make a payment as they ca n't fool me. I feel this agency definitely needs to be investigated as I do n't want them to scam innocent citizens.
Consumer complaint received 2017-10-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (IN)

On or about XXXX XXXX, XXXX, {$500.00} was deposited into checking account from XXXX. The annual interest percentage rate is 780 % with finance charges being {$3400.00} with total payment being {$3900.00}. XXXX XXXX XXXX then contacted me by telephone the same week exposing XXXX XXXX to me that their ( inbox loans ) lending practices violate Indiana laws by exceeding the interest to be applied towards payday loans at an annual percentage rate of 10 % of {$500.00}. 780 % finance charges for this payday loan far exceeds Indiana Statute 24-4-4.5-101 et  seq. and is a direct violation of the Indiana Statute which prohibits these types of finance charges.
Consumer complaint received 2017-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

From Capital One credit card, I received XXXX XXXX statement with due date of XXXX XXXX, XXXX, with total amount {$1200.00}. 

I made {$1000.00} payment on XXXX XXXX, XXXX. I made a {$500.00} payment on XXXX XXXX, XXXX, the due date. 

I was charged {$13.00} internet on next billing cycle. I called three times and no resolution yet. There are two problems in there system that needs to be audited. 

1. Time of due date - I got a response that my remaining payment of {$220.00} was made after XXXX XXXX cut off time that made that payment reflect on next day, which is considered late payment. The cut off time is arbitrary, it should be midnight customers time. 

2. Even if {$220.00} was paid late, the interest on this at 23 % APR for a month should be not more than {$5.00}. Their interest calculation mechanism has error that calculated it to be {$13.00}
Consumer complaint received 2017-10-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC. (AR)

This company has been constantly calling my home for the last XXXX yrs all through out the day. The will call everyday before XXXX, in the afternoon and after XXXX. The keep asking for someone that 's not me. I have responded numerous of times, letting them know that I 'm not that person and that person do n't live at my address and this is my phone number. 
I do n't answer anymore because of the rudeness that I 've received from them on previous phone calls.
Consumer complaint received 2017-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NJ)

I 've already submitted a complaint letter and received response on XXXX. American Express stated that we are working to resolve this matter and will notify you via separate communication. However, I have n't received any updates yet. This is my XXXX contacts to resolve this issue. 
Please credit the XXXX XXXX as advertised by your employee XXXX, ID number XXXX. 

Here is the information for you to look up my previous information. 

CFPB XXXX No : XXXX XXXX XXXX : XXXX
Consumer complaint received 2017-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (PA)

Upon checking XXXX XXXX I found an outstanding debt in the amount of {$480.00} dollars owed to a collections company for some type of service with XXXX XXXX XXXX XXXX. This debt occurred on XXXX XXXX, XXXX. Both XXXX and XXXX XXXX are showing this debt. I am trying to obtain information on the debt but I am having a difficult time.
Consumer complaint received 2017-10-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

I have contacted Navient several times to have a lower monthly payment. However, the best option the offer me is the one I have to do every year depends on how much money I am making. The difficult part is that they do n't understand that you have other bills to pay and it might look that you are getting pay a lot but after taxes and everything you dont get anything. I have explained them that I have a car, a mortgage, and other regular bills and that the amount I have right now it is too high for me, at the end of the month I am struggling with no money. The should have into consideration other expenses that the student may counter, the same way when you are trying to apply for a loan or mortgage they see all the expenses that you have and they will only approve you a certain amount of money.
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I just spent 2 and a half attempts on Equifax 's direct dispute website attempting to upload documents and directly dispute an account that is being reported on my credit report that is false, mixed and belongs to someone else. I am so frustrated because I got an ERROR twice when I finally go to the end of my disputes and then I attempted to do it for a third time and they lied and said my information was wrong and I no longer could do anything anymore. I feel as though Equifax is deliberately ignoring me. they keep asking me for NEW information that I CAN NOT give the because the account I have been disputing is fraud an not mine. I do not hold an XXXX account I have a XXXX account under my address and I finally I understand that someone is using my social and identity with a different utility company. something is very off and Equifax doesn't care ... .HOW is this account a charge off/bad debt when it is a utility bill? it is not an extension of credit why does it look like a credit card? 

I put in this complaint the error notices and I need the CFPB to know I had tp answer the security questions 3 times! I had to start over three times before I gave up. Also, I noticed that Equifax is allowing this company to keep reporting new false and negative info even after it is claimed this account is 'charged off ' 'closed '. this is the most unbelievable situation ever. please reference back my complaints which started in XX/XX/XXXX
Consumer complaint received 2018-09-06
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

onemain in florida has called me after was told only call after work I have been called 17 time today XX/XX/2018 I know I owe you but they keep saying we will do a deferment and redo the loan I have losed XXXX dollars per last 2 years. employer did not honor our contract so I have not been able to get my payments with one main lowered they keep adding credit card interest daily my wife has had 2 storkes from stress and now a bad heart I also have something in my XXXX maybe XXXX not for sure this is to much stress on both of us for now please help XXXX XXXX
Consumer complaint received 2017-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

I am writing in regards to an account that was opened up without my knowledge through XXXX XXXX and has been reported to collections to all three credit bureaus. The account was sent to collections on XXXX XXXX, XXXX for the amount of {$490.00} through XXXX XXXX XXXX XXXX and I was unaware of its existence until applying for an auto loan in XXXX of XXXX. Since discovering the account being reported to the credit bureaus, I have contacted XXXX on several occasions trying to get further information but they have been unable to provide me any details beyond the name and address on the account. I was informed that the account in question was opened at a satellite or authorized retailer location and they were unable to access any further details regarding the account, so I have not been provided proof that I had opened an account with XXXX. The address provided for the account is not a location I ever resided but at the time the account was opened, I was living with a friend in the area and believe that someone gained access to my personal information without my knowledge and used it to open the account. I have requested XXXX XXXX remove the account from my name and to send information to the three credit bureaus to completely remove the account from my credit history, but they have refused any action without proof that I did not open the account. 

I have disputed with the credit bureaus but all disputes have been denied because the account meets FCRA requirements. This account being reported to collections to my credit is preventing me from purchasing a home and has hindered my ability to gain employment in several financial institutions to which I have applied. I would like this to be reviewed and to ensure that it does not have any future implications. I would like proof of ownership supplied by XXXX as soon as possible and, if it can not be provided, the account be removed from collections and from the XXXX accounts database so I do not have to fear any future collections actions on the account.
Consumer complaint received 2024-11-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

For approximately three months the funds for my XXXX loan are not being appropriated correctly. I have the same loan number for AES and XXXX. The money for AES is being accepted, but not XXXX. 

I have been dealing with AES and XXXX on a weekly basis, and was advised to enroll in auto pay ; however, after doing so my funds are still not being applied correctly. 

I have overpaid on my monthly payments for the past several years, and I am now in a place now where they are not accepting the payments or correctly applying the payments where they need. I believe that I have done everything in my power to resolve this issue, yet, they keep advising me to send more money, but still not being applied correctly.
Consumer complaint received 2017-10-29
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. (CA)

I noticed an unauthorized hard inquiry into my credit on my Equifax Credit Report. I disputed it, and roughly XXXX days later, they said they completed the investigation and left the inquiry on my file. I told them it is fraud, and I had contacted XXXX who confirmed someone had used my SSN and Name to open an account with them. Equifax refuses to do anything further about it and is dumping the problem totally on me. The only reason anyone was able to GET my information was BECAUSE of the massive Equifax data breach -- they need to be doing more to help people who have been impacted by the data breach and have had their information stolen.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX : {$3800.00}
Consumer complaint received 2017-10-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX collection agency contacted me to discuss a claim in reference to my daughters impacted XXXX XXXX XXXX I advised them that I was working with dental office and my insurance carrier that the is a dispute between my surgical plan and my dental plan. I advised that they are both pointing the fingers at each other. my company HR representative is also working on it. this is not my fault, its a insurance issue. As of XX/XX/XXXX, theres a 180-day waiting period before unpaid medical debts can show up on consumerss credit reports giving me and my insurance carriers sufficient time to investigate the representative from agency was rude and told me they were going to sue me. 

all 3 bureaus have placed on my report
Consumer complaint received 2017-10-30
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. (CT)

I submitted several complaints to this company about my report and incorrect information reported. I called numerous times to have my billing address updated and the company failed to update the correct information. The company has marked my account late in XXXX, XXXX, XXXX, XXXX, XXXX XXXX and as of recently in XXXX and XXXX of XXXX. The company failed to put correct billing address on statements when acct was first originated. This company leaves consumers no choice but to bring these matters to court because they 're unwilling to fix errors on credit reports. The company had also promised to contact their back office to reset my payment due to their error and this was never done but the company marked my account late once again. The company closed my account due to my complaints and then stated that the customer requested it. I requested for the balance to be removed from my account from the damage this company continue to do to my credit and their refusal to fix legitimate concerns and account closed and removed from my report. This company has cost me monies and has retaliated against me for exercising my rights.