davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (FL)

On  XXXX   XXXX ,   XXXX   I put in for a loan for {$150.00} And was approved, and received the funds.     On  XXXX   XXXX  I got a notice about that this was owed, but then on the  XXXX  I saw that a withdrawal was made in the amount of {$32.00} and change. Then I saw a few days ago in my account another sum of {$31.00} was taken making a total round off of {$65.00} from my account without permission.     I contacted the company about this twice by email and no response from them. So I called today,  XXXX   XXXX ,   XXXX   to further discuss this with them and let them know they did not have the right to take money from me without my permission. They tried to insist that the contract says automatic withdrawal is part of permission for contract but it does not say that. I read contract through before agreeing to this.     Now, I am in a situation where I need the {$65.00} back and the contract cancelled due to financial hardship. I am in a crisis situation right now and they do not want to give me back the money they took without my permission. As I told them, nowhere in the contract does it say I give permission for them to withdraw. I finally got them to get rid of that but I need the money that they took from me and the contract cancelled. As I told them, I can back out at any time and I need to. Told the Supervisor to take it to the C  E  O if he has to but I need the contract cancelled and the money back. Tried to insist they do not give refunds and like I told them it is money they took from me without my permission.     I need help getting this contract closed and my money back. They tried to quote  State  law to me but they do not have a leg to stand on. Please do something about this company before they scam someone else the way they did me.
Consumer complaint received 2017-06-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MFP, inc. (TX)

Company called my boyfriends number 6 times in a matter of an hour - told him each time they needed my address to deliver important documents. He refused to give them any information. I then contacted the company who refused to at first refused to give me any information on who they were, what the debt was for. Was asking for the last 4 of my social security number ( which I refused to give until they identified herself ). She said her name was XXXX and She was calling on behalf of Financial Credit Services - I told her I would not give any personal information unless she informed me on what exactly the debt was for. Her response was " that 's fine, just be ready to continue to get calls. '' I then told her that since she decided to threaten me with more harassment that I would be contacting an attorney and the BBB and informed her of the statute of limitations on debt collections. She quickly would email the documents ; I asked when and from whom and she said " the office lady when she gets back ''. I asked for a time frame and she could n't give me one and seemed rushed to get off the phone with me.
Consumer complaint received 2018-02-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RAS LaVrar, LLC (GA)

RAS laVrar , LLC responded to my previous CFPB complaint # XXXX however the response was not adequate to what I requested in the last response. RAS Lavrar , LLC indicated that they were updating their files to cease all communications with me, in which I never requested, however I requested for RAS LaVrar , LLC to not come out to my home address and they avoided giving me a response to that request. Also RAS LaVrar , LLC indicated that lawsuit was filed against me, in which I was already made aware of that matter, however I requested for the lawsuit to be dropped against me and I never got a detailed response to that request.
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AZ)

On Monday, XX/XX/XXXX, I attempted to open a Home Equity Line of Credit through my Credit Union. I was told that they were unable to access my Experian credit report.

That evening I called Experian ( after researching on the internet how to get an actual person, because there is no way to get a live person through their numbers ) and was told by XXXX that the report was fine, and had been accessed twice by the credit union. 

On Tuesday, XX/XX/XXXX, I went again to the credit union. This time the back office was contacted and told me that the report was run but there was no credit history, and the address on file was actually the address of my ex-husband, where I never lived. 

I made several calls to Experian on Tuesday, but was unable to get a satisfactory result. I was told repeatedly that my report was fine. 

On Wednesday, XX/XX/XXXX, I called Experian again. I spoke with someone in Personal Solutions who began a report ( # XXXX ) and corrected my address. My credit history is still unresolved. I am still unable to obtain a home equity line of credit. The other two credit reporting agencies, XXXX and XXXX, have correct reports as of XX/XX/XXXX. I need this issue resolved. I have now spent countless hours on the phone and have no resolution.
Consumer complaint received 2018-04-16
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

Constantly calling my personal phone 20 times A day and then calling my job 3 times in an hour XX/XX/18 XXXX and XXXX XXXX from this number XXXX
Consumer complaint received 2018-04-15
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: CCS Financial Services, Inc. (GA)

I have disputed the reporting from XXXX XXXX XXXX. They have posted the same debt 2 ( {$190.00} and {$210.00} ) times on each of the 3 credit agencies, and yet it appears to be for the same account. I placed a dispute on XX/XX/XXXX. I have yet to receive a response to their investigation. According to the FDCPA rules, they should removed all items I have disputed with XXXX XXXX XXXX.when the investigation takes longer than 30 days!
Consumer complaint received 2017-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY (GA)

TD Bank USA/Target Card Reported on    XXXX   credit bureau twice.  XXXX  different account numbers,  XXXX  different open dates  XXXX  for  XXXX / XXXX / XXXX  and the other  XXXX / XXXX / XXXX .    XXXX  account charge off amount says {$0.00}, the other account says {$1100.00}. I contacted Target yesterday  XXXX / XXXX / XXXX  about the accounts, c she verified I only had  XXXX  account with them that was settled in  XXXX   XXXX  and said I should dispute with credit bureau. I tried twice prior to calling and it was never removed.
Consumer complaint received 2018-04-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CITIBANK, N.A. (IL)

Last month, Citigroup added restrictions on firearm sales for new retail-sector clients, requiring them to restrict sales for buyers under XXXX, and not sell so-called bump stocks or high-capacity magazines. This is the job of Congress not a bank. Lets hope they are watching reasonable and appropriate banking practices more that second amendment details. Back in the XX/XX/XXXX - XX/XX/XXXX financial crisis they needed taxpayer bail out because of poor banking practices. Maybe they should stick with banking instead of politicizing banking services.
Consumer complaint received 2018-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NC)

I have been working with this agency, funded by tax payer dollars, since 2011 when I began paying on my student loans. It has been taxing to say the least. There are several ongoing issues that XXXX is unwilling to solve. These are as follows : Six months ( plus ) wait time for paperwork requests, and account questions Lost paperwork Qualifying payments that were once approved are later revoked No follow up after paperwork submission Although I have been diligently paying on my students loans on time and in the full amount requested, I have been met with alleged discrepancies that after two years and countless phone calls, no one at XXXX is able to rectify for me.
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

First off please let me re-complain about this corrupt and highly unregulated scam company. As stated before I disputed a fraudulent collection on my account for XXXX  that is not mine. TransUnion and XXXX never sent me anything validating this is my account or that they even did an investigation. Which is a huge violation of my FCRA rights. This collection is the only one on my credit report with TransUnion because XXXX and XXXX actually did a proper investigation and took the collection off. 

Another thing I need to complain about is the fact that Transunion was just in trouble recently for the same thing they are doing to consumers again in regard to intentionally miss leading consumers when they sign up again and not directly telling them they will be charged. If you dont believe me check out all the complaints : XXXX XXXX XXXX This is not right and my husband works for the XXXX as an XXXX XXXX XXXX. I would like this properly taken care of. My next step will be to contact DC representatives.
Consumer complaint received 2018-02-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: National Judgment Recovery Center, L.P. (TX)

On XX/XX/18, XXXX XXXX XXXX Attorney for National Judgment Recovery Center, L.P. as assignee of XXXX XXXX XXXX froze and is trying to garnish my saving account which is social security money and is my only means of support.
Consumer complaint received 2018-04-16
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MI)

On XX/XX/XXXX I lost my job, I immediately call XXXX XXXX to notify them I lost my job and was unable to make any payments at that time. Mind you every call is recorded for quality assurance - which I doubt. I've never missed a payment with them since consolidating my loans years ago. Since calling to tell them I have not been helped once. I've received calls periodically informing me I'm late on my payments, AGAIN with those same calls they make to me I've told them I lost my job in XX/XX/XXXXand have discussed this with several of their callers. One caller informed me to get online and fill out the deferment portion and submit it. I did that in XX/XX/XXXX/XX/XX/XXXX. I kept getting phone calls since and AGAIN explained my situation to them and yet nobody was knowledgeable to help me or would till the week of XX/XX/XXXX when XXXX ( employee id - XXXX ) called and AGAIN I explained to her my situation and her response was she couldn't believe nobody has helped me yet. She verbally told me she would be sending the deferment papers by mail this time along with a quality complaint form. I received a quality complaint form and immediately filled it out and mailed it back in. I also saved a copy for myself. I have not yet to receive the deferment papers in the mail yet. HOWEVER I have received a threatening letter from XXXX XXXX detailing me of my delinquency and is in danger of default, that was marked XX/XX/XXXX. Their claiming I'm {$1100.00} past due, and {$950.00} past due. I wouldn't be past due if they would of done their part back in XX/XX/XXXX when I phoned them immediately and explained my situation. I received a call from XXXX ( employ id XXXX ) the week of XX/XX/XXXX asking me about if I can pay the full amount. AGAIN I explained to him what I have been explaining to every other caller since XX/XX/XXXX, and just the week before to XXXX who told me she was not only sending deferment papers by mail to me but she's noting my account. XXXX was unaware of any of that. On their delinquency letter they have informed me that all credit bureaus are aware of my pass due. Again, no deferment papers have been received to my address XXXX XXXX XXXX, XXXX, MI XXXX. BUT they keep sending me bills, threats, and delinquency notices to that same address.
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have tried three times to get the payment lates on my account removed however instead of investing each time all they do is change info on late and not remove. I have submitted two different investigations and neither are correct there for all the agency is doing is guessing and submitting to credit bureaus
Consumer complaint received 2024-09-05
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank is the provider of Sam 's Club credit. My credit is excellent with all three reporting agencies. I applied for credit and they denied me once stating I applied too soon, after a representative from the bank had told me top apply. I waited and reapplied and today I received another bogus notice that states, 'Unsatisfactory payment history with Synchrony Bank '. I checked all three credit bureau agencies, and synchrony never reported any late or non-payment issues on my report ( s ). They are simply discriminating against me because I have complained about them to the cfpb, and to them about outsourcing their payment processing.
Consumer complaint received 2018-04-15
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: PENTAGON FEDERAL CREDIT UNION (NY)

I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. 

Pentagon Federal Credit Union XX/XX/2018
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

XXXX XXXX XXXX Sold my collection to XXXX XXXX whom which i paid in full XXXX XXXX XXXX is reporting on my credit report a Balance of {$590.00} i would like for this to be remove from my credit report immediatly.
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Santander Consumer USA Holdings Inc. (MI)

I secured an auto loan with Santander Consumer USA on XX/XX/2017 for a used car. I have been paying my auto loan on time for over a year and it has still not reported on my credit report. Per recommendation from the car dealership Santander is required by law to report to the credit bureaus quarterly or I am not liable for the loan. I contacted Santander and they stated that I would need to file a complaint through the credit bureau. Unfortunately, I am not able to file a complaint on something that doesn't exist on my report. Please assist with this. I have been trying to build my credit back up and I thought this was reporting. If I am not held liable for the loan I would like to see what is needed to do to get out of the loan.
Consumer complaint received 2017-07-04
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. (ND)

I am a victim of identity theft and been a victim of identity theft for quite some time. Someone stole my personal information and identity to open 2 personal loan accounts that are fraudulent and unauthorized. The following personal loan accounts do n't belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX, Loan Number : XXXX, XXXX By XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, ( XXXX ) XXXX, Loan Number : XXXX
Consumer complaint received 2017-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (DE)

WFDS  -  XXXX  Tried to get late payment off of  XXXX  credit reports record because this account has been closed as a charged off for years and I am not liable.
Consumer complaint received 2017-07-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (TX)

I had an account on my credit for {$280.00} from  XXXX   XXXX   XXXX . The account was removed from my credit due to a dispute. The collection agency assigned to this debt was  XXXX   XXXX   XXXX  (  XXXX  ) account #  XXXX .  XXXX  sold this collection account on  XXXX / XXXX / 2017  ( approximately  ) t o  XXXX   XXXX   XXXX   XXXX ,  XXXX   (  account number  XXXX   XXXX  ) and they have placed a new account on my credit in the amount of {$1500.00}. How can they increase an amount by 5 times the original amount? I am confused. Then, they sent a  XXXX  page demand letter with payments equaling a car payment. The letter did not comply with all the regulations required by the CFPB. They placed this on my credit report as new debt with the increased amount that I never owed them on the original company. This company has been harassing me with calls and demand letters.
Consumer complaint received 2017-07-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (MD)

I refinanced both student loans in XXXX and have made auto payments since XXXX. I have attempted to understand how at 8 % APR, Navient is applying monthly payments. I have paid for 10 years.
<P/>
Loan Information : Loan XXXX XX/XX/XXXX Amount XXXX APR 8 % XXXX XXXX  Loan XXXXXX/XX/XXXX Amount XXXX ARP 8 % XXXX XXXX Balance as of XX/XX/XXXX ( only account balanced received from Navient ) {$6600.00}.
I can not log into their portal and they have not sent me loan balance documents since XXXX. My monthly payment is XXXX, paid on the XXXX  of each month, via auto pay.
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Loan documents show finance charges for this loan @ 8 % APR will cost me {$9300.00}.
Total payments on a loan of {$12000.00} will be {$22000.00}.
Consumer complaint received 2017-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MA)

There is a withdrawn Federal tax lien still showing on my report that was withdrawn in XXXX of 2017. I have disputed this with Equifax, providing Equifax with copies of the IRS lien withdrawal forms ( which I will also attach here for you ). I have also verified with each county that the lien withdrawal was recorded ( see Massachsuetts-XXXX XXXX Registry of Deeds Book XXXX, Page XXXX ). Equifax continues to improperly report the lien and refuses to recognize the withdrawal. The other CRAs ( XXXX and XXXX ) removed the liens from my credit report immediately.
Consumer complaint received 2017-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (VA)

I closed my business ( XXXX XXXX ) bank and credit card account ( with Wells Fargo ) in XXXX 2016,  but recently I received an unsolicited XXXX XXXX credit card. I did not activate it and a few weeks ago I received a letter from Wells Fargo complaining I did not activate the credit card that I did not solicit for an account I closed in 2016!
Consumer complaint received 2024-10-22
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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 XXXXXX/XX/year>