davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (IN)

I needed money and looked for a loan. I signed up for a loan XXXX at the end of XX/XX/XXXX via internet I received a mailing days after- it stated XXXX for XXXX pay off with 4 payments - just like i was told on the internet. I went to website to sign up XX/XX/XXXX at no time did they show 20 payments I signed up for XXXX and pay off of XXXX Now they say I signed up for 20 payments - that I have 16 more payments. I went to my bank to stop the business getting anymore money - i paid my 4 payments. I did received money XXXX on XX/XX/XXXX - which was not the agreement. The internet stated XXXX I at no time saw that I had 20 payments and 743.4707 % loan rate in total it would cost me almost {$3700.00} This is a scam- I called and they refused to show me what I have paid and gave me the run around. If you look them up they have been sued I am an XXXX and fell for this trap. I paid out of my XXXX XXXX XXXX acct - XX/XX/XXXX {$340.00} XX/XX/XXXX {$290.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$260.00} I have paid XXXX
Consumer complaint received 2017-08-17
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)

These inquiries were not authorized by me I contacted the credit agencies but the items were not removed. TransUnion XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX  XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX  XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX  XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017
Consumer complaint received 2017-08-17
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have notified XXXX XXXX and Capital One bank via mail that there are some unrecognized/unauthorized inquiries on my credit report. The inquiries are dated XX/XX/XXXX & XX/XX/XXXX. I have not gotten any responses from Capital One bank or XXXX XXXX.
Consumer complaint received 2017-08-17
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)

After graduating school in XX/XX/XXXX, I started paying my student loans in the fall of that year. By spring of XX/XX/XXXX, I began paying via an Income Based Repayment Plan. FedLoan had become my Loan Servicer.  Because I am XXXX and make a very small salary, my payments were {$0.00}, and I would pay some interest annually. I was always approved for the program so had no problem. In XX/XX/XXXX I tried to switch to a REPAYE plan with FedLoan, which has slightly better conditions, and it has been absolutely out of control. I began to receive contradictory reports, such as that I owed about {$550.00} a month, which is half my monthly income, which makes no sense on any IBR. I spoke with FedLoan on the phone myself in early XX/XX/XXXX with the aid of a student advocacy service ( XXXX XXXX XXXX ), and they told me I would be enrolled in the program for a reasonable {$35.00} a month. On XX/XX/XXXX I got an email saying I was approved for an IBR ( not REPAYE ) for {$490.00}. I called them again and they reaffirmed that I would be on their plan for {$35.00} a month. So they ca n't even seem to get their own figures right. All was quiet as the Administrative Forbearance supposedly needed to process this happened ( all the while interest continues to accrue ), until on XX/XX/XXXX I received a bill for {$690.00} from FedLoan which they said would be withdrawn automatically ( although I am not enrolled in this autodraft ) from my Debit account. To make it even more confusing, today, XX/XX/XXXX, I was told I was approved for an IBR plan ( again, not REPAYE ) for {$330.00}. This is absolutely outrageous. They ca n't get their numbers straight, they ca n't figure out which plan I am on, even though I have submitted all the certification paperwork ( and recertification ) year after year. I simply can not afford to pay either {$690.00} or {$330.00} OR {$490.00}, and these are outrageous figures " generated '' for an income based repayment plan. If I could afford these, I would n't need to be on an IBR in the first place!
Consumer complaint received 2017-08-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IA)

Nelnet and XXXX have garnished my wages even though I submitted multiple complaints with CFPB and Department of Education. I properly filed my forbearance request and provided detailed documentation to the service provider Nelnet. I also filed a complaint with Department of Education on XXXX XXXX, 2015 related to numerous internal and CFPB complaints with Nelnet and XXXX. As a consumer, student-loan borrowers have a right to set their monthly loan payments as a share of income. It 's known as " income-driven '' repayment and is touted by the Education Department as a way to keep those borrowers out of default. Nelnet made it difficult for me to arrange any type income-based payment and continued to steer me only into forbearance arrangements and eventually turned into costly payment instead of affordable long-term repayment options that were more beneficial to Nelnet. Nelnet failed to disclose their annual deadline to renew or obscured its renewal notice and recently is the center of a lawsuit filed in U.S. District Court. Nelnet quickly defaulted the loans and inserted a 3rd party collection company to garnish my wages even after a cease and desist complaint was sent due to an open complaint with both the CFPB and Department of Education.
Consumer complaint received 2017-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

I had 2 negative credits in my XXXX from XXXX XXXX XXXX that were not mine they they were despite and deleted I got the letter in the mail XX/XX/XXXXfrom XXXX then I got a letter from common wealth financial systems inc. On XX/XX/XXXX that XXXX XXXX XXXX had sold the previously deleted accounts to XXXX XXXX XXXX who then placed it with commonwealth financial systems inc to go back on to my XXXX saying owe them money that I do not owe and again was deleted of off my XXXX. Account number XXXX for the amount of XXXX $ and account number XXXX for the amount of XXXX $
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have asked for all 3 bureaus to do thorough investigations of the items that are reporting on my files and they are n't doing what they 're supposed to. I should not have to fill out what is incorrect and send it over to them because I have requested investigations of my entire reports. I just checked my recent reports and now see that an old account that was already disputed and deleted is being allowed to repark on my report as a new account being reported. The name of the company doing this is XXXX and I am aware of my rights that agencies nor bureaus are allowed to park old accounts on your reports. This is my 3rd time asking for a thorough investigation to be done on my credit reports and if this is not done I am prepared to seek legal action against the bureaus as well as the agencies reporting inaccurate information on my reports without any legal and binding contracts.
Consumer complaint received 2017-07-27
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 — Investigation took more than 30 days
Company: CITIZENS FINANCIAL GROUP, INC. (TN)

XXXX and XXXX are showing that my past Mortgage with CitizensOne is showing 120 days late and a pending foreclosure. I closed on this loan several months ago and it was never late and there is not a foreclosure pending. Please contact CitizensOne and XXXX and XXXX. My credit score is coming up as a XXXX and this has made it drop over a hundred points. I am refinancing my other mortgage and this is how I found out. I will not be able to refinance until this has been done. These reports with XXXX, XXXX and XXXX needs to state that the past mortgage with XXXX has been paid 100 % and was never late. Also, fix and update the foreclosure warning.
Consumer complaint received 2017-08-17
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (TX)

Back in XXXX XXXX I submitted complaint XXXX against Wells Fargo Dealer Services for inaccuracies on our account. On XXXX XXXX they clearly printed there response to our case and due to the outcome of our evidence. They decided to no longer pursue this debt. And said it would be wiped clean and reported to all 3 credit agencies and off of our credit report within 30 days. Today is XXXX XXXX, And today we received a notice from XXXX stating they were n't removing the debt off of there and it would stay on until XXXX. We are having the same problem with XXXX regarding this account. They refuse to remove it. I have submitted the paperwork showing that indeed this debt is not valid anymore. And it clearly states in the letter that it will be removed off of all 3 agencies. We have already tried our part with the agencies by faxing over that letter. And they still wo n't respond or just give a general vague response. XXXX removed it very quickly. And we are n't going to keep going back to the other agencies. Overtime we do that they start a new case and use that crutch for another 30 days to resolve. Right now there are 3 separate cases with transition and they are all regarding the same debt and issue. Same with XXXX. They say upload the proof to them on there site. But the site will not let you upload the docs. Both companies have verified on a recorded line that I have in my possession that they indeed receive all of the info But again keep using there 30 day cushion window to keep messing with our credit. Its been beyond the 30 days from the time this letter was typed up. We were told end of XXXX is the allotted time period. We are almost in XXXX. It is not our job as the consumer to chase down and talk to the 3 agencies and spend hours on hold. To get a debt removed that the company has clearly said is not a valid debt and they have also said that all 3 agencies were already notified and should be done by XXXX XXXX. Our job was to jump through the hoops and get ourselves our debts paid and removed. They are in direct violation of FDCPA laws. And at this point we can start seeking damages that are related to this matter.And any other violations that fall under the FDCPA laws that pertain to this matter.
Consumer complaint received 2017-08-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (CA)

I had a loan for a XXXX dollars at Speedy Cash. I lost my job and fell behind. I got another job and they had already sold it to XXXX XXXX XXXX. I paid them XXXX now XXXX XXXX refuse to remove this from my credit. I have called them and they stated that they are not able to remove it. They are still reporting that I owe them. This is wrong
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

this loan was discharged in my chapter XXXX bankruptcy as of XXXX 2015XXXX and XXXX XXXX refuse to delete the misinformation or report it as discharged!
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (GA)

I went to credit reporting site to receive my free annual credit report. To verify my identity and get my report I had to enter credit card info. Now company is billing me {$21.00} a month for this unauthorized service. They charged me four months worth of fees before i discovered charges. Now they will not return these fraudulent charges. These companies are using deceptive practices to get your credit card information then claim you ordered services.
Consumer complaint received 2017-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I wanted to get my free credit reports online, from the three credit reporting agencies, using the website XXXX. There was some sort of glitch and the website said I could not get them online, that it would mail them to me. Then I tried calling using the number XXXX to talk to someone so I could get the reports online. This is an automated line and it said it would mail them to me. My complaint is there is no phone number for customer service or their corporate offices to redress any of my issues with their website.
Consumer complaint received 2017-08-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Big Picture Loans, LLC (FL)

Loan orginated XX/XX/XXXX for {$400.00} 1st scheduled payment due XX/XX/XXXX for {$230.00}. Payment was not debited from my Savings account as previously arranged. Never presented to the Credit Union,  verified that the amount was never attempted to be collected. Company reports on their site that it was returned - obvious lie. My account # was reported as XXXX, it was verified as XXXX. The Credit Union says the XXXX 's are not mandatory. I have made phone calls to see why the payment was not processed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Their representatives have done " three-way '' calls with my Credit Union on two separate occasions ( XX/XX/XXXX and XX/XX/XXXX ). I have faxed my bank statement verifying the account and funds still being there on XX/XX/XXXX.
A second level representative allowed the bank statement verification and resubmitted the payment debit for XX/XX/XXXX. To date the payment has not been taken from the account.
I believe they are deceptively not following their directives in order to take advantage of the borrower. I now have been charged fees, and the interest rate continues to climb. I am not able to resolve the issue with them and I would like to pay and close the loan.
Consumer complaint received 2017-08-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Over 9 years ago my wife and I needed to rebuild our home. We turned to Wells Fargo for an immediate construction loan and then requested conversion of that loan into a conventional 15-year conventional mortgage. Instead, we received a proposal for a 30-year mortgage, which we rejected. At this time our daughter was diagnosed with XXXX XXXX. Wells Fargo, well aware of this situation and of our need to complete the rebuilding project as soon as possible, provided a revised mortgage proposal. To help with her extensive medical care and to provide for her XXXX children we moved all of them into our home as soon as the rebuilding was complete. Our daughter XXXX XXXX in XXXX. We are still raising our grandchildren. What Wells Fargo provided us was nothing like a {$650000.00} conventional mortgage. After paying on this 8.375 percent interest loan for almost 10 years, the face amount has only been reduced to {$630000.00}, and that is only because we made some more than required payments. This loan made the nearly {$5000.00} monthly payments go to interest payments only for the first 10 years. In XXXX of this year the interest rate will change, and the maturity date will be XX/XX/XXXX. In other words, Wells Fargo ignored our stated request for a 15-year mortgage twice, sending instead a second agreement that was altogether worse than the first and again for a 30-year period, but with even worse interest costs than the original offer. While we were focused on our daughter 's XXXX and XXXX illness, we trusted Wells Fargo to present in its second proposal the terms which had been conveyed in the original application process and consistently repeated in all of our subsequent discussions and correspondence. XXXX XXXX, the loan agent for this Wells Fargo mortgage, we understand no longer works for the company. Inexcusably, this is another example of this infamous major financial institution intentionally taking advantage of consumers who are in a vulnerable state. My wife and I are now in our seventies. To say the burden of this usurious mortgage obligation has proved to be a financial disaster for us is a gross understatement.
Consumer complaint received 2017-07-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Collections-I, LLC (AZ)

This company ( Healthcare Collections-I , LLC ), which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$2900.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. This company stated I have a daughter named XXXX XXXX  which I do not. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2017-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I received an itemized list of charges from National Credit Systems on XXXX XXXX, 2017 that XXXX sent to them. I have great concern about a balance they are reporting that I owe. Upon adding the amounts listed for each item. {$570.00} Balance at home {$60.00} Carpet Shampoo {$50.00} Clean Appliances {$50.00} Didnt return Apartment Key {$75.00} Didnt return Gate Remote {$25.00} Didnt return mailbox Key {$10.00} Didnt return parking tag {$50.00} Didnt return walk thru gate key. {$740.00} Lee Termination fee I came to a grand total of {$1000.00} however they are reporting that I owe {$3300.00} for these items. I have searched for an explanation from many sources to no avail. Im afraid that XXXX and National Credit Systems is trying to collect a balance I do not owe and, as a result, are reporting this erroneous balance to all XXXX major credit bureaus which has caused me to suffer financially. I have asked the orginal creditor multiple times for someone to please provide an explanation of these charges and have yet to get an answer.
i have reached out to the orginal creditor on several occassions verbally and via email.
Consumer complaint received 2017-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (NJ)

I was switching from XXXX cellphone carrier to XXXX. After my final bill arrived it was paid in full. In meantime XXXX XXXX  posted collections on my credit report for the amount of the final bill from cellphone carrier. When I called XXXX XXXX to ask why they put collections on my credit report they replied that I owed them money but do not owe anymore. I asked can they validate the debt they referring to and they refused me to provide any information on it claiming that account has been closed. I asked them to remove collections if they are not able to validate debt and provide any relevant information they refused to do so. My credit report dropped 30 points causing damage because of that posted on my report and they can not provide evidence of the debt owed in the first place. I asked them why they are refusing to remove negative information if they are not able to validate the debt, they reply that XXXX hired them to post negative information on the former customer accounts. I was shocked by that reply and had nothing to say further.
Consumer complaint received 2017-08-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (AL)

Midwest Recovery is representing XXXX XXXX and XXXX XXXX. These items are already listed on my credit report as the past due debt from XX/XX/XXXX. Midwest Recovery is submitted these debts as current past due debts for XXXX from XX/XX/XXXX and XXXX XXXX XX/XX/XXXX to current day. I do n't think these reports should be on my credit report as current past due bills.
Consumer complaint received 2017-08-17
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. (SC)

Experian is reporting the following inquiries on my report. I do not recognize these inquiries. They were not authorized. I have contacted Experian but they refused to remove the inquiries. They are negatively affecting my credit report and I want them removed. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-09-09
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OR)

I was on an Income Based Repayment Plan ( IBR ). I sent my documentation to renew on XXXX XXXX, 2016 so it would reach Navient before XXXX XXXX when my payment was due. I am unable to make full payments as I work only part-time. They did n't process my documents, so on XXXX XXXX I uploaded it to their website at www.navient.com and the next screen said it would be processed in 5-7 business days. I also emailed customer service that I uploaded it so they knew it was there to process. I never received a reply, and my request for renewal of my IBR has been ignored. I emailed customer service a second time on XXXX XXXX asking them to please process my documents and renew my IBR so that I can make a payment. I did not receive any reply to that email either, and my request and documents still have n't been processed. I postal mailed my documents to them again ( this makes three times I have provided my documents to this loan servicer ) on XXXX XXXX and they still have not processed them and adjusted my payment to the IBR amount so I can make a payment. They call my cell phone every day with a robo caller and dun me for payment, which costs me money, so I blocked their calls to that number. They have my home phone number, yet they do n't use it to get in touch with me and get this straightened out.