davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (SC)

I keep being told that the payment amount will be different every month. No explanation as to why. I took out a {$650.00} loan on XX/XX/2023. As of this date XX/XX/2023, I have paid Cashnet {$920.00}. They say I still owe over {$500.00}. I am XXXX years old and having a hard time understanding how I can possibly still owe so much and don't understand how they can keep changing my payment amount. Please help.
Consumer complaint received 2023-03-22
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: LEXISNEXIS (FL)

I received a letter from my homeowners insurance dated XX/XX/XXXX, " XXXX XXXX '', stating that an insurance score was received by LexisNexis Risk Solutions XXXX Inc., which has affected my insurance score. On XX/XX/XXXX, I submitted a letter by certified return receipt to LexisNexis Risk Solutions requesting a copy of my FREE report. After making a phone call to LexisNexis in XX/XX/XXXX, I finally received my report dated XX/XX/XXXX two months shy of ONE YEAR of requesting this report. Once I reviewed this report, I noticed that the most of the information UNDER my NAME belonged to my DECEASED FATHER. I have disputed all these errors with proof of identity multiple times via certified mail and LexisNexis STILL HAS NOT CORRECTED MY REPORT deleting ALL my DECEASED FATHER 's information and my mother 's information from my report. My next step will be filing a lawsuit. This inaccurate report has cause hardship, pain and anguish, as well as, so much time spent in the attempt to resolve this issue. LexisNexis reporting practice is a Violation of the FCRA. 

LEXISNEXIS 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. ()

The company is XXXX XXXX XXXX For months the bank has not reported that I paid this account off. When contacted, they said they held on to the payment without posting it because they do that when there is more than one payment in a period. What is the reason for that? I told them what a hassle they have caused because on a {$300.00} credit limit, a {$290.00} outstanding balance ( false balance ) shows on Equifax that my one credit line is 95 % utilized, thus a negative! A huge negative for someone who needs assistance on her credit score. I asked the company to re-run it or report the accurate information. They did not. Another month has gone by. Now I have to wait 24 days for the inaccurate information to be taken off the Equifax report. I need this company to understand they ruin lives, they dont help lives. Inaccurate reporting hurts consumers and they are not compelled to report accurately.
Consumer complaint received 2023-11-13
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: Experian Information Solutions Inc. (CT)

XX/XX/23 submitted a dispute to remove or show that my XXXX student loan was paid in full. Experian told me that my dispute did not specify what I wanted them to do so I had to submit another one. I also submitted verification of the debt being paid in full which I had a letter from Department of Education detailing this back in XX/XX/2023. I submitted another dispute in XX/XX/XXXX which again verification was submitted. I contacted experian today ( XX/XX/23 ). I was told that documentation was never submitted to verify that my loan was paid in full by the first agent. I requested to be sent to another agent to reprocess the dispute. I spoke with this other agent who was able to see the documents that were uploaded prior but did not provide a reason why it was not sent before. 
In the mix of everything I had already spoke with XXXX approximately 2 weeks prior and I was told that the credit bureaus would be notified by XX/XX/2023 that the debt was paid in full. XXXX and XXXX have already sent me letters last week confirming that the debt has been paid in full but for some reason Experian has not. I do not appreciate the way this has been handled by Experian
Consumer complaint received 2023-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

I have been paying student loans for the past 10+ years and have worked in non-profit/government positions throughout, qualifying me for public service loan forgiveness. My student loans have been bounced around multiple times throughout the past 10 years to various servicers. I applied for a consolidation of loans in XX/XX/2022 after my Direct loans had been transferred to MOHELA, and it took until XX/XX/2022 for it to process, which is an excessively long time. I take part in a forum where many people discussed the process taking about a month or two at most. Every process with MOHELA takes an extremely long time, longer than any other company I have ever dealt with. They are reporting that they need 90 BUSINESS days to process a form verifying employment. This process would take a few weeks with my prior servicer. I have also been told after following up regarding getting updated payment counts on my PSLF tracker that they need 90 business days to obtain past payment history for my consolidation loan. I have waited since XX/XX/2022 with no result, but I believe that 90 business days is unreasonable and unacceptable. I am currently eligible for loan forgiveness but I am stuck in a waiting hold. And then from my understanding, it will take an ADDITIONAL 90 business days once they verify I am eligible, for the forgiveness to actually be processed. This time frame is absolutely unacceptable and is holding me up financially as my loans remain on my credit report.
Consumer complaint received 2023-11-13
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

THIS COMPLAINT SHOWN BELOW FILED ON XX/XX/23 ( CFPB # XXXX ) WAS INCACCURATELY LISTED AS A DUPLICATE COMPLAINT. AS A RESULT I AM REQUESTING THE ARBITRATION AGREEMENT AND THE CONTACT FOR THE LEGAL DEPARTMENT AS THE SPECIFIC INFORMATION REQUESTED WAS NOT SUPPLIED. 

For my Kohls/Capital One XXXX, I never received a true/certified copy of the original application for credit showing the wet ink signatures authorizing and binding myself and Kohl's/ Capital One. I have no records of signing with my wet signature to authorize the account. I never received the true invoices signed under penalty of perjury confirming that Kohl's/ Capital One provided their own assets and that the alleged debts are valid. According to 12 USC 83 banks are prohibited from loaning their own assets i.e. shares of stock. Finally, I never received the accounting statements from Kohl's/ Capital One related to the account i.e. XXXX XXXX, XXXX, XXXX, XXXX and XXXX. On top of that various laws have been violated. For example, as per 15 USC 1681 Section 604 A Section 2 a consumer reporting agency can not furnish an account without my written consent. I never provided my written consent/ instructions. According to 15 USC 1681 c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following pieces of information any other adverse items of information other than records of convictions of crime which antedates the report by more than seven years. According to 15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

THIS IS THE PRIOR COMPLAINT FILED ON XX/XX/23 ( CFPB XXXX ) AND AS YOU CAN SEE THE COMPLAINT IS NOT THE SAME Kohls credit card financed by Capital One continues to make inaccurate entries on my credit report for an alleged debt however they have failed to provide the contract binding both parties. 
AS I DID NOT GIVE WRITTEN CONSENT ON ANY CONTRACT, I AM DEMANDING THE ARBITRATION AGREEMENT, THE CONTACT FOR THE LEGAL DEPARTMENT AND THAT YOU PRODUCE THE EXACT DOCUMENTS REQUESTED IN THE XX/XX/23 COMPLAINT IN THE EXACT MANNER PRESCRIBED OR YOU HAVE NO OTHER OPTION BUT TO DELETE THE ENTRIES FROM ALL THE CREDIT BUREAUS.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MO)

I made a specialty payment in which I chose the loan I wanted the payment to go towards. I understand that the interest is paid first thanks to the payment plan I'm under however, the payment I made on the loan I chose had less interest than the payment amount. This means the rest should have gone towards the principal, but instead every cent went towards interest according to the receipt I received. To make matters worse, the interest this payment supposedly went towards never even went down on any of the loans. Looking on my account statement and payments history it doesn't show where my payment even went, just says 'Interest ' and doesn't show specifically where it was used even though it does show the loan I chose. I waited two months before placing this complaint thinking it was just needing time to show correctly, that doesn't seem to be the case. Now, I just made a payment with my fourth lender which doesn't make any sense as to where the money went and why it was not applied to principal like my financial advisor states it should after the interest is gone. My financial advisor had suggested the snow ball method in that I would begin knocking out my smaller loans first then go after the larger ones, doesn't seem to matter if these companies are just going to pocket my money and not actually apply it to my balance. I tried to contact the company however, the phone lines are always busy ( they don't have email ) and I have to wait on hold until they close while talking to an automated system. Is it too much to ask for a transparent bill or receipt that spells out everything and actually shows what we are paying on, where the money is actually going? I'll be reporting this mess to the attorney general as well, just can't take this constant billing error problem with every lender I've ever been through with my student loans. And it's always the same way as this one, take the payment and have no clue where the payment actually went, but we received your payment.
Consumer complaint received 2023-11-13
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. (MO)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX : {$480.00}
Consumer complaint received 2023-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

I have made a dispute request to the Chase Bank the amount was {$2000.00} and it was refused the reason was I signed a contract with them so they can not approve the dispute, I can not agree with them hear is my explanations the company call Action Refund was solicited me via internet that they will recover my {$120000.00} I lost on online Cryptocurrency trading and I will pay them 20 % of total recovered money so they are just calling me every day 2/3 time to hire them after several try they were asking them to pay {$2000.00} up front and was demanding to send me the contract but instate of doing that they keep pushing me to pay them before so I essay going person I trusted them So i made payment by my Chase credit card after 2 days later Action Refund send me a contract which I did not signed because that what not we were talked over the phone another word I was not agreed the contract they send me so I was asking them to return my money because, just next day I realized that they will never do anything to recover my funds they just took my money even though I waited month whether they do any work to recover my funds so I thing this is another Scam so I did not have any other choice then dispute. I also provided the unsigned contract to Chase which is they were also ask me provide them as a valid evidence, the argument of Chase was any time I purchase anything online it is a contract so my question is where is the protection from Chase Bank to a innocent consumer.
Consumer complaint received 2023-03-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BARCLAYS BANK DELAWARE (OH)

I emailed XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 and asked them to not call, email, or text me. On XX/XX/2023 at XXXX XXXX  XXXX  I received a voicemail from a XXXX XXXX ( sp? ).
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Child Support should not be on my credit report. XXXX, Transunion, and XXXX sent a notice to child support enforcement/OAG over 20 years ago stating that it is unlawful for Child Support to be on my credit report. This has been unlawful for over 20 years. This did not start from a credit transaction.
Consumer complaint received 2023-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MA)

I received excessive amounts of phone calls and texts from National Recovery Agency stating that I owed a debt for {$640.00} a utility bill. I informed National Recovery Agency that I am not responsible nor do I claim this debt. I sent a letter requesting full validation of this debt to ensure accuracy. I also sent a cease and desist letter after not once receiving validation of the account yet I continue to receive both phone calls and texts messages. I am not liable for this debt and do not have a contract for this debt.
Consumer complaint received 2023-03-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: SYNCHRONY FINANCIAL (NY)

I have Traditional and Roth retirement accounts at Synchrony Bank. On XX/XX/XXXX I put in motion moving the funds to XXXX XXXX XXXX because the rate they offered was almost double. I filled out all the necessary transaction paperwork on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX mailed the transfer paperwork to Synchrony Bank. After 3 weeks I called and Synchrony said they didn't receive the paper work. I then had XXXX XXXX fax the documents in mid XXXX, they only faxed the traditional docs and I had to followup on XX/XX/XXXX where they faxed the Roth docs to Synchrony. I called today XX/XX/XXXX and Synchrony said they are working on it in their " back '' office where you can't speak to anyone. They also maintain that it takes up to 15 business days to process the requests. I'm already 5 weeks into this and it looks like several more. Am I missing something here???? What if I needed the funds? I've spent hours on hold with no resolution and it seems to just go on and on.
Consumer complaint received 2023-11-13
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: ALLY FINANCIAL INC. (MI)

leased a XXXX XXXX XXXX from you, which was subsequently stolen from him from his work parking lot on XX/XX/XXXXXXXX XXXX XXXXXXXX. Apparently, it was not recovered by the police until more than a year later. 
Through no fault of my client, the thief put a lot of miles on the car while it was in his or her possession. When my client had the oil changed In XXXXXXXX XXXX XXXXXXXX, however, the mileage was only XXXX, as the enclosed document shows. When the police recovered the car, on the As a result of the high mileage, which was due to the actions of an anonymous thief, you chose to place a negative reference in my client 's credit report. You claimed he owes you {$3500.00}, due to the high mileage. He did not violate the lease agreement, however, as he did not place the high mileage on your vehicle. These are facts which can be proven. 
Please contact me after you receive this letter, so that we may discuss this matter, further. I am hopeful that we may resolve this matter to everyone 's satisfaction. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (NC)

I entered into this lease around XX/XX/XXXX and have made all payments as agreed. 

We moved from XXXX to XXXX in XX/XX/XXXX and it took us three months of working with Kia to get the information needed to transfer the title. The process was extremely frustrating. 

Then in XX/XX/XXXX I received a bill for an addiitonal {$28.00} per month for NC state property taxes. I sent Kia a registered letter documenting the fact that I paid the property tax at the time we registered the vehicle. I asked them to research and refund me the amount I paid or to explain why they were billing this amount after I provided proof of payment. 

Then in XXXX I received another bill for Texas property taxes. Since we have not lived in XXXX for almost 6 months I asked them to provide me with more information about the taxes billed. 

Since last XXXX I have made countless calls, sent numerous emails and three registered letters asking for more information and detail on the amounts being billed. I have not received any response to any of these requests. 

Now I am receiving collection calls about these amounts and asking when I can pay. I have told them repeatedly that I am willing to pay once someone responds to my numerous requests. The collections agent says that they can not answer any questions and can not provide any assistance in getting the tax department to respond. 

As you can imagine, I am at my wits end and feel this behavior by Kia is very unfair and borderline abusive. They are threatening to report me past due and stating that the calls are an attempt to collect a debt but they refuse to provide me any supporting documentation or information. I am not sure what else I can do.