davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

I frequent the online website and contacted Navient in the past to secure lower payments in effort to lay back my student loan. Although I am not a high income earner, I do not qualify for income driven repayment with reasonable monthly amount due. Reasonable would be $ XXXX. When I spoke with the reps and online, the repayment amount was at least $ 900 monthly, which is close to the usual monthly payment. The need to lower the amount to qualify for income driven repayment is necessary as most people have basic expenses needed to live : food, shelter, transportation nd associated costs. Navient would rather discuss overbearing versus an actual repayment plan with reasonable payments. The reps are located in other countries and have absolutely no idea that {$900.00} plus per month is completely unreasonable. To pay that, we would have to live in a shelter.
Consumer complaint received 2018-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXXa purchase was made at XXXX XXXX XXXX XXXX XXXX  NY fo {$49.00}. the clerk typed {$79.00} and refused to make good, refused to print a receipt and copied signature from the back of the card, Owner was contacted following Monday Tuesday and Thursday and refused to make good, credit card issuer was advised, via internet site, and failed to respond, on XX/XX/XXXX I contacted the credit card billing to dispute charges, I held over an hour from agent to another who they refuse to dispute, upon threatening to close the account they took the dispute, which clearly stated the wrong charge and the merchant refusal to provide a copy.

TDbank opened a case XXXX, sent me a letter asking for the receipt which I told them clearly that the merchant refused to provide, while calling them they have in hold again for over 30 minutes, because I disputing a charge, and still refuse to make good.
Consumer complaint received 2018-09-23
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. (TX)

XXXX XXXX has been inaccurately reporting my automobile account for several months now. The account is in collections/charge off and being reported as a repossession. The vehicle was never repossession even though payments stopped in XXXX of XXXX. The company informed me that They " pass, '' on the vehicle as of XX/XX/XXXX, which basically means that they won't be picking it up and don't want it back. Since XXXX of XXXX XXXX XXXX has been consistently reporting an incorrect charge off amount that changes and fluctuates every month. Some months it even decreases even though no payments are being made and there is no activity on the account. Each month they have also been reporting the account as newly closed, usually reporting its closed date as the day the update to the account is submitted to credit bureaus. I have past copies of my credit report showing that the date the account closed has changed several times to make the account appear as a new delinquency preventing my credit score and credit file from improving. It has recently been reported as closed in XXXX and then closed again in XXXX. Transunion and XXXX are both aware of the multiple inaccuracies which violate several policies that would require them to remove the account from my report but have failed to due anything to correct my credit file even after monthly disputes and several phone calls from me regarding the situation. Transunion and XXXX continue to ignore these inaccuracies even though they continue to see and report these fluctuations in my balance and account closed dates that change almost monthly regardless of the many disputes I have submitted as well as disputes by XXXX XXXX whom I have contracted with to assist me to do the job of the credit bureaus. I would like this account removed immediately from my credit file as it should have been months ago. I do not feel that Credit Acceptance is capable of discontinuing inaccurate reporting as there have been over 1,000, 000 complaints of the same nature filed against them with the XXXX and the CFPB. If this file is not removed in a quickly and timely manner, in hopes to reverse the damage done to my credit file and financial well being, I will being a lawsuit against Transunion, XXXX, and XXXX XXXX.
Consumer complaint received 2018-09-23
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am a victim of identity theft. I tried to negotiate this matter with Capital One and couldnt get a good english speaking agent to assist me. Ive spoke to collector in which this account was sold and they assured me the deletion upon payment from all parties. in XXXX of 2017 however still harassed by Capital One legal team to make payments months later although payments was made in full in XXXX 2017. Capital One is very disorganized and harmed my credit and failed to understand my situation with identity theft. my personal information was used to open an accounts as well as gain employment with Companies. after learning my rights under the Federal Trade Commission. Although Ive paid balance owed under my name I did not authorize the opening and charges on this accounts, and I therefore request that it be delete This account immediately. I also request that Capital One absolve the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. also a Identity theft Notice was placed on all XXXX credit reporting agencies
Consumer complaint received 2018-09-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Solutions (OH)

Balance is XXXX to different collection agencies. Was paying the hospital XXXX a month and they still sent me to collection I didn't know this and want to know where the money went that I was paying a month never received anything from the collectors cause I thought I was in good standing cause at least I was paying something towards it and now they are on my credit reports in collections. I don't think it's right since I was paying and they debt was only 4 months old before sending it to collections. Now I'm getting phone calls at all hours of the day everyday from collections
Consumer complaint received 2018-09-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (MI)

Over three years ago someone at or through XXXX Bank transferred money from my citibank NA charge card,,, I notified citibank of this authorize transferee they did nothing to stop it and two other ones. I canceled their card and paid what I owe them. Now they are using XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to collect this illegally transferred money. They call daily event on the weekends and keep sending mail.
Consumer complaint received 2018-09-23
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

XXXX XXXX, XXXX # XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I received a warrant in debt to appear in court XX/XX/2018 for XX/XX/2018. I never received any notifications of this action being taken against me nor have I received any communication from the bank to claim the debt or allow me to request validation, dispute, or come to an agreement. I never received anything from their attorney ( listed above ) as well prior to the warrant in debt notifying me that this action was going to be taken. I was working out of state as I do XXXX XXXX using my parents address as my tax home. I have had inadequate time to contact an attorney or prepare for a trial myself. It has cost me in travel time, financially, and personally in having to manage everything in such short notice coming from CA to VA to appear.
Consumer complaint received 2018-09-24
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: Fidelity National Information Services, Inc. (FNIS) (WA)

I was a victim of identity theft, and there was a bank inquiry from XXXX XXXX on XX/XX/2018. That I'm trying to get removed off my credit report and XXXX file - that caused an incorrect address on my personal file to appear from this XXXX XXXX inquiry. 

I have tried calling XXXX XXXX branch where the inquiry came from. I called the branch more than one time to try and resolve this as well as the fraud hotline. Nothing has been resolved. I have supplied documentation of what is on my credit file. On XX/XX/18 when I talked with the XXXX XXXX at XXXX XXXX - XXXX, he says there is nothing that they can do on their end. 

I talked with XXXX XXXX, and XXXX ( Branch Manager ) to resolve this issue at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX I want this issue resolved, want the inquiry removed off my credit report. I'm more than happy to supply copies of police reports, other documentation to support this. 


Thank you!
Consumer complaint received 2018-09-24
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: SYNCHRONY FINANCIAL (NJ)

I open a CareCredit Master card offered by Synchrony Bank in XX/XX/2017. It was offered to me by my dentist to help with my treatment bill ( ~ {$1000.00} ). My dentist 's assistant explained that as long as I pay a minimum payment, I will not be charged an interest. I went with an e-pay, and set up to pay my monthly payment on-line. By accident ( because I agreed that my dentist charged the card again ) I just realized that the offer had an expiration date on my account past by and I have been charged almost {$200.00} interest on my account. Synchrony never sent me any warnings about the expiration date. I tried to negotiate with them but was not successful.
Consumer complaint received 2018-09-24
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: Experian Information Solutions Inc. (TX)

We brought a XXXX XXXX from XXXX XXXX XXXX we did not know so many hard copies to different credit companies would be counted against us. Each one of the inquires since to be counting against me and helping to lower my credit score. 
1.XXXX XXXX Inquiry : XX/XX/XXXX 2. XXXX Inquiry : XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX 3.XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX 4. XXXX XXXX XXXX Inquiry : XX/XX/XXXX 5. XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX These were send in by one company. 
XXXX gives you a 30-day grace period before certain loan inquiries are reflected in your XXXX credit scores. And XXXX may record multiple inquires for the same type of loan as a single inquiry as long as theyre made within a certain window. For XXXX scores calculated from older versions of the scoring formula, this window is 14 days ; for XXXX scores calculated from the newest versions of the scoring formula, its 45 days. 
These two are the same company that finance my car why would they be counted as two : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

We brought a XXXX XXXX from XXXX XXXX XXXX we did not know so many hard copies to different credit companies would be counted against us. Each one of the inquires since to be counting against me and helping to lower my credit score. 
1.XXXX XXXX XXXX : XX/XX/XXXX 2. XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX 3.XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX 4. XXXX XXXX XXXX Inquiry : XX/XX/XXXX 5. XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX These were send in by one company. 
XXXX gives you a 30-day grace period before certain loan inquiries are reflected in your XXXX credit scores. And XXXX may record multiple inquires for the same type of loan as a single inquiry as long as theyre made within a certain window. For XXXX scores calculated from older versions of the scoring formula, this window is 14 days ; for XXXX scores calculated from the newest versions of the scoring formula, its 45 days. 
These two are the same company that finance my car why would they be counted as two : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY
Consumer complaint received 2018-09-24
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. (TX)

We brought a XXXX XXXX from XXXX XXXX XXXX we did not know so many hard copies to different credit companies would be counted against us. Each one of the inquires since to be counting against me and helping to lower my credit score. 
1.XXXX XXXX Inquiry : XX/XX/XXXX 2. XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX 3.XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX 4. XXXX XXXX XXXX Inquiry : XX/XX/XXXX 5. XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX These were send in by one company. 
XXXX gives you a 30-day grace period before certain loan inquiries are reflected in your XXXX credit scores. And XXXX may record multiple inquires for the same type of loan as a single inquiry as long as theyre made within a certain window. For XXXX scores calculated from older versions of the scoring formula, this window is 14 days ; for XXXX scores calculated from the newest versions of the scoring formula, its 45 days. 
These two are the same company that finance my car why would they be counted as two : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY
Consumer complaint received 2018-09-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: General Motors Financial Company, Inc. (OH)

On XX/XX/2018, XXXX XXXX and XXXX XXXX purchased a XXXX XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX., XXXX, OH XXXX. We applied for credit, and we were approved. We signed the contract and received the keys. On XX/XX/2018, the lender was contacted to make a payment. The lender said they had no record of the loan. Thirty-seven days from the date of the contract, On XX/XX/2018, we were told by XXXX XXXX XXXX to return the car to the dealership and that we were not approved for credit. I was told I would be in big trouble and they would have to involve the police if I didnt comply. They offered to approve a loan for an older car for a much higher interest rate. The contract I have said there could be no verbal agreements to change the contract. The contract also stated that it is a binding agreement after ten days of the execution of the contract. I have received nothing in writing. I believe this is an unfair credit practice.
Consumer complaint received 2018-09-24
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)

I contacted trans union in XXXX to complain that the my payment percentages were incorrect. I have missed 1 student loan payment ( XX/XX/2017 ), and yet my ontime payments are showing 95 %. I also explained that my scores with both XXXX and XXXX are both approximately 100 points higher that trans union is reporting. They temporarily increased my score by XXXX points after their investigation, and I thought all was resolved. I checked my score today only to find that they have once again lowered my ontime payment percentages when I havent missed any payments and my score has once again dropped drastically!! How is this legal??
Consumer complaint received 2018-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2018 my JC Penny credit card bill was published on their website. I paid the bill immediately. Then I go on line today XX/XX/2018 and I see that I still have a payment due. So I called JC Penny and the service rep clearly saw that my payment was made on XX/XX/2018 but blamed me for making my payment the day the bill came out. The agent for JC Penny could not adjust the payment to reflect the correct payment cycle and told me to make another payment. If I had not looked on their website today the payment would have been late tomorrow.

What I don't understand is that if JC Penny publishes my bill on line on XX/XX/XXXX then why can I pay it on XX/XX/XXXX? How can it be " my fault '' for paying my bill on the day the bill is published? I closed the account with them and this is not my fault for paying my bills on time,
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (OH)

Prior CFPB Case # XXXX Due to AES paying off my sons student loan and cancelling his ACH in error his account went delinquent. This was corrected with all 3 bureaus in XX/XX/2017 but I just received a notice that XXXX and XXXX are still showing that the XX/XX/2017 was 60 days delinquent. 

This company is horrible-My next step is to hire an attorney to verify that this company has the correct chain of title. I will want to see the original notes-assignments from each sale and note endorsements to prove that they are the legitimate owner!!!!!!!!!!!!!! I truly believe that they will not be able to locate what is needed to prove that they own these accounts. 

This has been a total mess for over a year and now I want compensated for wasting all of my time with this incompetent company!!!
Consumer complaint received 2018-09-23
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: Opportunity Financial, LLC (MN)

This installment loan is appearing on all three of my credit bureau reports as a charged off, negative account. It shows that the account was opened on or around XX/XX/2018. 

This account belongs to my ex-spouse, whose name is also XXXX XXXX. I have disputed this item through the credit bureaus ; however, XXXX  continues to falsely verify that this account belongs to me and refuses to remove it from my credit report. 

Moreover, this is a predatory lending institution that charges astronomical interest charges that accrue daily, and after looking at their terms and conditions, they have grossly misrepresented their product and are preying on unsuspecting victims with their hidden fees and deceptive advertising practices. 

I also continue to receive daily collection calls from XXXX, despite the fact that I have revoked my express consent to receive any communication from this organization. I have countless voicemails and receive up to 10 collection calls per day from XXXX, despite me telling them I want my number removed and that I revoke my express consent and that this account does not belong to me.
Consumer complaint received 2018-09-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

The account is current with the payments However The account is being reported as past due. 
Also the account is incorrectly managed Is the vehicle owned by capital one or another financial institution? 
Am I the only owner or account holder in the vehicle account contract? 
My car was vandalised, may I return the vehicle back to dealership due to improper security lock the door lock? 
I did reported to my insurance company good to go XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ... policy number XXXX
Consumer complaint received 2018-09-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (FL)

DEAR SIRS C.FP.B DIRECTOR / INVESTIGATOR. 
XXXX XXXX PROVIDED A CREDIT CARD FOR {$600.00} DOLLARS IN XX/XX/XXXX. IN XX/XX/XXXX I WAS UPLOADED THE CREDIT LINE AT $ XXXX WITH PAYMENTS MINIMUM OF {$59.00} ABOVE PREVIOUS BALANCE OF $ XXXX TODAY DAY XX/XX/XXXX RECEIPT LETTER FROM XXXX XXXX THAT THEY WERE TO CHECK MY SCORE IN XXXX  AND GAVE THEM XXXX. SCORE. BASED ON THIS MY CREDIT CARD OF XXXX XXXX  DECREASED AT {$1800.00} INTERESTS PAID DURATE XX/XX/XXXX AND XX/XX/XXXX {$240.00}