davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-16
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (IA)

I obtained a loan through Castlepayday XXXX/XXXX/2015 to assist with Holiday expenses. I paid {$300.00} on both the XXXX and XXXX of the month from that time until XXXX XXXX, paying no interest on the loan. On XXXX XXXX the debited my account {$320.00} and on XXXX XXXX they debited my account {$320.00}. Online there is no explanation, in fact there is not information on my account at all. I emailed Castlepayday numerous times with no response and have emailed the company now that it is XXXX once ; still no response. The email I sent is below. I do n't know what to do and want to be responsible by paying my bills, but the interest amount is unreal and I can not get any answers on when my loan will be paid off. At the rate I am going it will be years. As I said in my email below, I am XXXX military and I do n't believe that I should have been given this loan. I was honest on my application about my employment and provided proof of income which indicated I was XXXX military. Please advise on steps ( if any ) that can be taken to reduce this debt as I am having a hard time with paying {$600.00} per month. Thank you. 

XXXX XXXX Email sent to both Castlepayday and XXXX in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no response : Although I am trying to pay my balance, I am running into financial difficulties. I did some research and I believe that I should not have been able to obtain this type of loan. I am XXXX military. I found the following in my research. Please advise. 


Through its enforcement and supervisory work, the CFPB will be scrutinizing lenders to make sure that they are following the XXXX requirements when they make short-term, small-dollar loans to servicemembers and their dependents. Specifically, payday lenders must follow the requirements of the law for all closed-end loans of {$2000.00} or less and with terms of 91 days or less. These requirements include : Annual percentage rate capped at 36 percent : Because most payday loans are for several hundred dollars and have finance charges of {$15.00} or {$20.00} for each {$100.00} borrowed, a typical two-week term can equate to an annual percentage rate ( APR ) ranging from XXXX percent to XXXX percent. Payday lenders must cap the APR - which incorporates all fees and costs associated with the loan - at 36 percent when lending to servicemembers. 
No rolling over of loans : When consumers can not pay back the loan at the time it is due, borrowers can often pay only the finance charges and renew the loan. This fee does not reduce the amount owed. If a payday loan is rolled over multiple times, it 's possible to pay several hundred dollars in fees and still owe the original amount borrowed. Payday lenders are banned from rolling over loans for servicemembers, unless the new transaction results in more favorable terms for the servicemember.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2016-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Business and Consumer Solutions. (PA)

I enrolled in the University XXXX XXXX in 2010. They offered a one week trial and if you cancel within the first week you did not have a charge. I attended online and I canceled the program on Friday of the first week by calling the sales person for the University XXXX XXXX. As such, I do not owe them any money. They have now been reporting this bogus tradeline on my credit report and now my employer is giving me a hard time for this {$290.00} debt. They are wrong, their own records will show that I did cancel and did not go back online after the first week.
Consumer complaint received 2016-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NC)

I have had XXXX loans with AES and for some reason they had XXXX accounts for me. I would log into each account online and pay. In XX/XX/XXXX they had my birthday wrong and I faxed them my birth certificate and other documents they said the problem was fixed. I continued to pay. In XXXX XXXX they locked me out of my account. We called to resolve the issue and they said I did not have XXXX accounts and that they could not find the account we were locked out of and wanted me to fax my documents. I faxed everything and then in XX/XX/XXXX made another phone call and asked to pay the balance and for them to resolve my online access, they would not tell me how much I owed to be able to pay it. They sent me a letter saying the account was past due. I called again in XX/XX/XXXX to ask what I owed and they said that the account no longer existed and they had merged both accounts. Then on XXXX XXXX, XXXX a debt collector called me to say that my account was 130 days delinquent. I was not aware that the account was overdue and every time I tried to pay it they told me that it did not exist. They now want me to pay the balance plus charge me a late fee. The late fee should not be charged because it was not my fault that they screwed up my accounts and would not let me pay. I have bank statements and hard copies of receipts of where I have been paying both accounts until they locked me out of the XXXX account in XX/XX/XXXX and said that it did not exist. I am upset that my credit might be damaged and do not know how I am going to catch up on my payments. I spoke to a representative on XXXX XXXX, XXXX and gave her both account numbers. She pulled them both up, she unlocked the account that they said did not exist and told me how much I owed. All this could have been done in XX/XX/XXXX when I was not even behind on payments. I have tried to pay since XXXX and spoken to XXXX different people, all of who said that there was only XXXX account.
Consumer complaint received 2016-03-16
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (IN)

On XXXX/XXXX/2016 I had statement cut with a balance of {$28.00} with a due date of XX/XX/XXXX. I believed I had auto payment on from my checking account which I evidently did not. I was charged a {$25.00} late fee and {$25.00} in interest. 
The {$25.00} interest charge is the most troubling since that 's over a 1000 % APR on a {$28.00} balance. 

On XXXX/XXXX/2016 I noticed my XXXX XXXX and XXXX XXXX credit card accounts had been closed when I went to sign in to it presumably for this late payment of {$28.00} on a {$14000.00} credit line. I immediately paid all outstanding charges on both cards including all fees even though I think the interest rate is suspicious. Barclays never notified me cards had been closed luckily I had n't tried to use it since it was, that would have been a very embarrassing moment I do not wish to have my XXXX account reopened, but I would like the {$1500.00} in rewards on XXXX and {$4.00} on my XXXX XXXX card that I saved up for months so that I could use on my trip to XXXX next month to run in the XXXX XXXX.
Consumer complaint received 2016-03-16
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Resurgent Capital Services L.P. (TX)

Lvnv funding obtained a default judgement against me, I was never served. I found out when I received a letter from my bank ( see attached subpoena ) dated XXXX XXXX, XXXX. I was never aware of such a serious issue. I had no knowledge of the original creditor or amount in question. I looked up LVNV & contacted them at this number XXXX to ask for proof of the obligation. I also went to the court house on XXXX XXXX, XXXX, to request a copy of the original file. According to the clerk, based on her receipt the summons was taped to my door around end of XXXX or early XXXX of XXXX. I did not receive the summons that is why I was not aware of the court date which resulted in a default judgment. I made a request on XXXX XXXX, XXXX of the original file & I 'm still waiting for the file from the court. On XXXX XXXX, XXXX, I went to pay my mortgage, I found out that my checking acct along with my dayghter 's have been frozen. The bank representative notified me of a writ of garnishment order that was received from LVNV funding on XXXX XXXX ( see attached ).
Consumer complaint received 2016-03-16
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: National Principal Group, LLC (KY)

I am an XXXX for a debt collections law firm, I know the FDCPA and FCRA to a T. This company has called my brother who is XXXX, my father, my sister, my mother and myself. The first time they ever contacted me was XXXX XXXX. I was told the debt originated in XXXX iao {$600.00} through a payday loan online service. I have never taken out a payday loan in my life. And in XXXX, I was XXXX. I think I would 've remembered {$600.00} dropping into my account. They stated that they did n't have to send me validation because they are a 'mediation ' company and that they were going to pursue suit for the debt. My father LITERALLY had to call and harass them over and over for 2 hours before they agreed to take our numbers out of their system, because the collector told him he would n't stop calling us and that he did n't have to stop! And not before they cursed him out calling him an XXXX among other things. I have n't received any calls until today - XXXX/XXXX/XXXX. I received a voicemail from XXXX, threatening to call any other references I may have provided so I called back not knowing it was the same company. Today, the story was that the debt originated in XXXX at an in store payday loan provider ( I would 've been XXXX ) and it is for {$300.00} from an in store payday loan provider company called XXXX XXXX. I have not received validation, and if this debt is valid, I will file a police report for fraud. However, if this harassment continues I will get an attorney - XXXX. I spoke with XXXX today, and they did not verify any information ( which is required for consumer protection ) and GAVE ME MY OWN SSN! I have googled the number and the situation, and many others have deemed this as a scam. I want them stopped TODAY!! I have never received any phone calls from so called XXXX XXXX XXXX advising I had this debt, never received letters - if they 're so great at locating my entire family you 'd think I would 've received one phone call? Funny how that works. When XXXX realized I knew what I was talking about, he immediately said he 'd put a hold on the account and that I would n't receive any more phone calls. If this debt is valid they 're going to have to sue me to get their money because I 'll get that dropped and file a counterclaim against them for violation of the FDCPA and they 'll have to pay me 10X more than the mere {$300.00} they say I owe. I do not owe this debt - and this is a scam. Good luck NP Group, not getting one over one me.
Consumer complaint received 2015-09-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (GA)

I disputed the XXXX XXXX Mortgage because I do not have a mortgage and have already had it removed from my credit report XXXX. They investigated and updated my credit report. I also do not have an account with XXXX XXXX and disputed it to have it removed from my credit report. Once again XXXX investigated and it was removed from my credit report. I do not understand why there are XXXX credit reporting bureaus anyway. They never have the same information on a person anyway. I think if there are going to be XXXX ( XXXX Equifax ) then they all need to have the same information on a person. That way when a potential creditor pulls a report from whoever they normally pull from, it will have accurate information because all three bureaus have the same information.
Consumer complaint received 2016-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

I initiated a dispute with Experian last year to challenge some inaccurate and unverifiable information on my credit report. At the same time I contacted the creditors in question per my right under the FCRA. I have received no response from the creditors and the credit bureau has stated that they verified the accuracy. I have requested in XXXX separate letters the " verification of procedures '' on how they contacted and verified these accounts in question. They have failed to provide this to me in writing. The issue I 'm having is that if the creditor supposedly verified with the credit bureau then why did they not verify with me, the alleged debtor. 

Experian has failed to comply with the federal laws in place to protect consumers from inaccurate or false reporting. This lack of due process and disregard for the federal mandate has placed a burden on my credit report and my family 's future. 

Please assist because I have no other way to turn, my next option is to hire a civil attorney. 

Thank you, ** all documents sent are provided in the document upload section on this complaint **
Consumer complaint received 2016-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I initiated a dispute with TRANSUNION last year to challenge some inaccurate and unverifiable information on my credit report. At the same time I contacted the creditors in question per my right under the FCRA. I have received no response from the creditors and the credit bureau has stated that they verified the accuracy. I have requested in XXXX separate letters the " verification of procedures '' on how they contacted and verified these accounts in question. They have failed to provide this to me in writing. The issue I 'm having is that if the creditor supposedly verified with the credit bureau then why did they not verify with me, the alleged debtor. 

TRANSUNION has failed to comply with the federal laws in place to protect consumers from inaccurate or false reporting. This lack of due process and disregard for the federal mandate has placed a burden on my credit report and my family 's future. 

Please assist because I have no other way to turn, my next option is to hire a civil attorney. 

Thank you, ** all documents sent are provided in the document upload section on this complaint **
Consumer complaint received 2016-03-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (FL)

I recently received a copy of my XXXX, Equifax , & XXXX credit report. The credit report showed a credit inquiry by XXXX XXXX on XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015, and XXXX/XXXX/2015. that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.
Consumer complaint received 2015-04-30
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

For years I had a Bank of American credit card ( opened XXXX 2008 ), I used the card and made the payments, my payments had been on time for years. I typically had a balance on the card. I would pay it down to a couple of hundreds dollars then use it again, pay it down, etc. Then I paid the card to a zero balance and immediately Bank of America cancelled the card. It was like they had a computer program that they could set that said if this card pays to zero cancel it. So in effect they were ok with me as long as I carried a balance and not ok once the cared was paid to zero. Yes like a lot of people I have had financial issues but they have improve considerably over the last few years. So when my credit was at the worst BOA was ok with me having their credit card, when I was able to pay them off and my credit was better my reward was to be cancelled. I think BOA has a history of this action for a lot of consumers and it is fundamentally unfair. Would be interesting to know how many times they have cancelled a consumer 's credit card at the point it was paid to zero
Consumer complaint received 2015-09-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MA)

I was a student at XXXX XXXX from XXXX. During this time I used XXXX XXXX as my lender. Once they became Navient I have had nothing but problems. I was on a payment plan from XXXX. During this time I was paying {$310.00} every month and funds went to all loans. Once Navient took over, only certain loans were being paid and others were defaulting. In XX/XX/XXXX I returned to school and some loans were in deferment. During this time I knew some loans had reached their maximum deferment time and I was preparing to do another payment plan. Loans that my mother had consigned were " in deferment '' or so I was told. I was arranging payment plans for the loans my father had cosigned and was going to do a monthly plan as I had done before. As I was checking on his loans I was told not once, not XXXX, but XXXX times on different occasions that my mothers loans were I deferment. Come to find out they were not and her credit report suffered. They did not just tell me her loans were in deferment they also told her they were as well. My father called to give his financial information and was on the phone for an hour. Days later when I called back to finalize they did not have any record of him calling. He had to call again and repeat everything he had just given him. Inconveniencing him for their error. My mother had to call and give her information after angrily stated that she and I had both been told that her loans were in deferment. She also had to call a few times because they did not " have record of her calling ''. Once I finally got things straightened out I made a payment and set up a 14 month automatic payment plan. As the month after I made the initial payment went on I kept getting emails saying I was late on my payment. I called and said that I had made a payment and am on a payment plan to which I was told " yes you are you should not be receiving these emails ''. Then a week later my mother gets a report from her credit company saying her score went down XXXX points due to non payment to Navient. I called them again and they AGAIN stated that I was on a plan and that they can see the payment I made. I asked why our credit was still taking hits even though I have done the right thing and gotten onto a plan and given them money. I was told we would have to contact our credit reporting sites and ask for it to be removed. Further inconveniencing us for their errors! To top it off I can not log in and see the totals on my loans because of " account status ''. I have paid them money! I am on a payment plan! How is it legal to keep people 's financial information from them? This company is terrible and I am looking into legal actions as they have more than once messed up mine and my parents credit report due to their own errors. Their poor business practices need to stop. They can not go on treating people the way they do and not caring that they cause unnecessary headaches.
Consumer complaint received 2016-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (MA)

Navient misled me and my family into a payment plan to prevent any negative credit reporting but then they reported all of us to the credit reporting agencies. The Navient representative told me that I only needed to make the XXXX qualifying payments to prevent any negative reporting on my credit and to bring my account current. This conversation was on a recorded line. 
Furthermore, I am ran into technical problems paying them in XXXX ( I used the same bank account for 13 years but they said it was my fault ). 
Here are my last XXXX payments. 
XXXX XXXX XXXX payment in new payment plan XXXX XXXX Paid for XXXX and XXXX. XXXX did n't go through? No record of them attempting a payment in XXXX. 
XXXX XXXX No one knows why they charged me. 
XXXX XXXX No one knows why they charged me. 

And somehow they are demanding {$1300.00} this month? Plus, they refuse to remove the negative report on my credit. 

Can someone please help?
Consumer complaint received 2016-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP (TN)

Collection Company sends me repeated mail and asking me to pay debt which was canceled by original creditor. This Debt was regards to move out disposition from one of the apartment I lived in past. Either of collection agency or original creditor ready to resolve the dispute ( s ) i raised against reported debt. Also there were many errors and false claims on the debt. 
Even after repeated request to collection agency, they could n't produce bills or any supporting document for their stand on this debt ( except the disposition letter sent by original collector ) .Recently the original creditor confirmed that they cancelled all my debt. But collection agency refused to stop contacting me for the debt which i do n't owe as of now, they are negotiating with me to pay some amount which is 40-50 % of debt without any reason. It was also reported to my credit report that impacts my standing negatively. 
I disputed on my credit report to credit bureaus, but none of them helps and I was told to agree with negotiation by one of credit bureau and have n't got any responses from other credit bureaus on this matter. My original creditor refused to send me any confirmation on the cancelation as there were management changes on their side. 
I was deeply disappointed with way this matter was handled by credit bureaus, collection agency and my original creditor. I need some help in this matter to get rid of repeated attempts from collection agency for debt which I do not owe and to get rid of any negative impact it creates on my credit report.
Consumer complaint received 2015-05-01
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I APPLIED MY CREDIT CARD WITH BANK OF AMERICA ON XX/XX/2015.ON LINE. I WAS INFORMED ON XXXX XX/XX/2015 THAT MY CREDIT CARD WAS APPROVED BY THIS BANK. I ALSO GOT A LETTER, DATED XX/XX/2015 STATING THAT CREDIT CARD WAS APPROVED. I FILE A COMPLAINT ABOUT SAME ISSUE EARLIER WITH CFPB. SO FAR. I DID NOT RECEIVED MY CREDIT CARD TILL XXXX XX/XX/2015. XXXX XXXX ( TEL # XXXX, X XXXX ) CALLED ME & INFORMED ME THAT CREDIT CARD WAS MAILED ON XXXX XX/XX/2015, BUT SHE WAS TELLING ME LIE. I CALLED XXXX XXXX COUPLE OF TIME, SHE NEVER EVER COME ON PHONE & NEVER EVER RETURN MY CALL. IT SEEMS THAT BANK OF AMERICA HAS A VERY POOR CUSTOMER SERVICE & HAVE NO RESPECT FOR ME AT ALL. IT HAS BEEN MORE THAN XXXX MONTH WHEN I APPLY FOR CREDIT CARD, BUT I DO NOT HAVE IT TILL TODAY. PLEASE HELP ME TO RESOLVED THIS ISSUE AS SOON AS POSSIBLE.