davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
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. (CA)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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/XXXX
Consumer complaint received 2017-10-11
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. (MD)

I exercised my rights as a consumer to request validation of a debt/account that is listed on my credit file that is maintained by XXXX, I contended that a bankruptcy that is listed on my credit file was not mine and they responded by saying that they verified it through the U.S Bankruptcy Court in XXXX Md. I contacted the Bankruptcy court who responded by sending me two letters on different dates that state that they do not furnish information to the credit bureaus, with that being furnished to me it is clear that they have not been able to verify this account and it needs to be removed. 
I have sent numerous requests for them to verify/ validate this account and they continue to say that the account is verified but that is not the case the FCRA states that upon my request the credit bureau must provide to me the name, address, telephone number and the person that they spoke to who verified this information and to this day they have not provided me with such information. due to these violations of FCRA 623 ( a ) ( 3 ) and FCRA 611 ( a ) ( 1 ) ( A ) this account should be removed Immediately.
Consumer complaint received 2017-10-11
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: Experian Information Solutions Inc. (IN)

As of XXXX my balance was {$100.00} which was never reported. There was two credits that posted on XX/XX/XXXX for Late Fee Adjustment of {$37.00} and Late Fee Adjustment of {$25.00}. There was a payment made on XX/XX/XXXX for {$260.00}. Credit report does n't show payment status for XX/XX/XXXX nor correct balance for XX/XX/XXXX. Billing statement does not show payment on XX/XX/XXXX.
Consumer complaint received 2017-10-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FIRST HORIZON BANK (CA)

On XXXX XXXX, XXXX my wife and I received a home equity loan on a property located at XXXX XXXX XXXX, XXXX, Ca. XXXX, in the amount of {$80000.00} from XXXX XXXX XXXX XXXX XXXX, sold later to First Tennessee Bank. The property was foreclosed upon 3 years later. My wife and I received several notifications of the impending foreclosure but we could not continue making the monthly payments due to losing my job. We did n't receive notices or any communication from the holders of the home equity line of credit regarding the foreclosure proceeding and we continue making the {$210.00} monthly payments. In XXXX payments increased to over {$800.00}. We had difficulty with the increase, but have made irregular payments and believe the account to be up to date. My understanding is the holder of the home equity line of credit must be notified of the foreclosure and release its interest in the property for a negotiated amount of the sale price prior to the property being sold to another buyer. I need to know if that happened with this property. I contacted First Tennessee Bank to attempt to settle the loan for a cash payment less than the balance but was told the loan was unsecured and for me to submit a full financial disclosure form prior to discussing the situation. My working life is ending soon and I 'd like to settle this debt.
Consumer complaint received 2017-10-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc. (MD)

On XXXX XXXX, 2017, I ordered three {$500.00} XXXX gift cards from XXXX ( i.e. from the " Blackhawk Network '' ). The cards never arrived at my home. When I followed up on XX/XX/XXXX, I learned that the cards had already been used, so, presumably stolen while in the mail to me and used by the thief. One card had one fraudulent transaction in the amount of {$490.00} ; another had six fraudulent transactions totaling {$490.00} ; and the third had three fraudulent transactions totaling {$91.00}. 

The remaining funds on the cards were then blocked. I was instructed that a " dispute form '' would be mailed to me, which I received in late XXXX, completed, and returned via email ( to the address XXXXXXXXXXXX ) on XX/XX/XXXX 

I received no confirmation that my dispute forms had been received, so I followed up in XXXX and confirmed with the company that the disputes were in progress. 

Today (XX/XX/XXXX ), I received three letters from the Blackhawk Network, each dated XX/XX/XXXX, demanding additional supporting information that it is not possible for me to provide. For instance they request " a copy of the front / back of the gift card '', which of course I can not provide since the gift cards never reached me. The letter also asks for another copy of the dispute form that I already provided, and threatens to close the dispute if I do not respond within 10 business days of the date of the letter [ i.e. two days from now ]. 

I intend to respond immediately as best I can, but in order to protect myself -- and due to the exceedingly slow response time by the company [ I have been without more than {$1000.00} for nearly two months ] -- I am now also filing this CFPB complaint. 

In the " account number '' section I will list just one of the three relevant card numbers, but I intend for this complaint to cover all three.
Consumer complaint received 2017-10-11
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: Experian Information Solutions Inc. (TX)

The company by the name of XXXX XXXX XXXX/XXXX is reporting on my credit report. These loans where sold to a company by the name of XXXX. XXXX is also reporting late fees on my report which has been consolidated. All of the XXXX accounts have been on my report before XX/XX/XXXX and open since XX/XX/XXXX there 21 accounts they are reporting to my credit.
Consumer complaint received 2017-10-11
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: EQUIFAX, INC. (TX)

The company by the name of DEPT OF EDUCATION/XXXX is reporting on my credit report. These loans where sold to a company by the name of XXXX. XXXX is also reporting late fees on my report which has been consolidated. All of the XXXX accounts have been on my report before XXXX and open since XXXX there XXXX accounts they are reporting to my credit.
Consumer complaint received 2017-10-10
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: Experian Information Solutions Inc. (SC)

I have sent four letters to Experian credit dispute department started on XXXX XXXX thought out the months leading up to XXXX XXXX asking them to verified four accounts each time experian mail me my dispute results always say we verified that this belong to you. Attach to this complaint is all the letters with certified receipts. Experian have not provided any copy of documents there use to verify these accounts. I therefore are unable to accept there response that such alleged was accuracy was verified. Furthermore there marking a account as verified while refusing to provide the evidence of documents of verification per my request to me the consumer, where I have the right to such information under the consumer rights to access information ( ( 12 U.S. Code 5533 ) seems to be false representations and inclusion of inaccurate information this violating federal laws. Experian is unwilling to verify any of these accounts, then under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE the information. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Each letter I sent had a copy of my SS # and driving license inclosed
Consumer complaint received 2017-10-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (CA)

American First Finance is charging us 145 % interest rate. That is extremely high. I asked if they could re-run my credit report, in hopes of lowering the interest rate. They refused to do that, even though they say there are other customers with a lower interest rate than what I have. I want to pay off the debt, but at that high interest rate, it will take us a very long to pay it. What are my options? If I just do n't pay them, that will probably affect my credit, and will send me to their collections department. But this is so way and above what any company should be charging.
Consumer complaint received 2017-10-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (GA)

I want to file this complaint against XXXX XXXX Navient as support for the lawsuit that has been filed. I too, would like to sue XXXX XXXX Navient for their subprime lending practices. Heres the backstory, I graduated from XXXX XXXX in XXXX with approximately {$85000.00} in private loans from XXXX XXXX at the time. I was experiencing hardship and having a difficult time finding suitable employment in the recession. I needed to take something so I ended up working a retail job making $ XXXX hr. XXXX continued to harass me about making payments and I eventually enrolled in a forbearance. 
Years later, in XXXX of XXXX, Im finally in a position to make payments towards my loans. To my surprise, my private student loan debt ballooned to a massive {$160000.00} with XXXX loans originated at 10 % and XXXX of my highest at an alarming 14 %! They never mentioned the interest rate reduction program to me until I called in to start making payments in XXXX. It was as if they were hiding this program and using it as a last resort. I was very upset to learn that this option was available and was not offered to me when I initially graduated, which potentially could have saved me thousands in interest. 
Moreover, what initially sparked me to file this complaint is that I just spoke with a representative to renew my rate reduction plan and she state that instead of being able to lock in a lower rate for a whole year they have now altered the terms of this program to be renewed every XXXX months, which allows them to charge higher interest rates at a much faster pace than in the past. Every time a borrower renews under this plan their interest rate usually increases a percentage point until it reaches the regular interest rate charged on the loan. I feel like I am drowning in debt that I had no idea I was getting into. I am angry that I went to college only to find myself manipulated into high interest loans that have prevented me from purchasing a home and living the XXXX dream. I myself have thought about taking legal action against them, but I know that its difficult to fight student loan lenders and win. If Navient continues to deny claims of predatory lending, Id be more than happy to submit account statements dating back to loan origination. Should you need any additional information, please feel free to contact me.
Consumer complaint received 2017-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XXXX XXXX, 2017, I wrote this company a letter requesting " PORTFOLIO RECOVERY ASSOCIATES Ref # XXXX '' account to be validated by this company. Even now, I have not received any validation document from this company. This is a direct violation of FCRA and FDCPA. I would like this to be resolved and this is my last result before involving my legal counsel.
Consumer complaint received 2024-10-30
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2017-10-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Harpeth Financial Services, LLC (TN)

I took out a flex loan through XXXX XXXX in XX/XX/XXXX. I took this loan with the understanding it was a higher rate loan, however the repayment terms were not disclosed nor explained to me properly. There available loans are between $ 25- {$4000.00}. They advertise their XXXX XXXX, naturally, however all examples of repayment listed on their website are not for the {$4000.00} as if they were I feel sure they would not conduct the volume of business they do. 

These repayment examples also do not show any repayment schedule extended past 14 days, but they offer repayment terms past 14 days. The fees charged and terms of your repayment change drastically the longer you have the loan. 

To sum it up. I borrowed {$4000.00} in XX/XX/XXXX, have paid a total of {$4500.00} to date, XX/XX/XXXX. The payoff on my loan as of today XX/XX/XXXX is {$4900.00}. I will have repaid a total of {$9400.00} to this company. They list the APR as 279.50 % ; however since this is a rate of " cost of the loan '', basically they charge a % every two weeks as a " customary fee ''. 

In XX/XX/XXXX, I paid {$430.00} on XX/XX/XXXX - breakdown : {$52.00} Principal {$32.00} Interest and {$340.00} Customary Fee. 
On XX/XX/XXXX, I paid {$430.00} TWICE! They took a total of {$860.00} on this day -- breakdown : {$52.00} Principal {$32.00} Interest and {$340.00} Customary fee, ALL OF THIS TWICE. 

Notice how the principal amount applied to my loan did not change from XX/XX/XXXX to XX/XX/XXXX payments? 

This to me is the definition of predatory lending. There is no way my documentation provided up front would have shown my ability to repay {$1200.00} per month. If they were going to place these repayment terms on me I would not have been approved for the loan, nor would I have applied. 

This company advertises their customers only pay for the time they borrow the money. I paid {$1200.00} in the month of XXXX alone on {$4000.00} I borrowed to begin with. {$43.00} a day is what I paid in XX/XX/XXXX. 

Why are these companies not forced to adhere to the state regulated maximum rates set by regulators and not required to prove a customer ability repay a debt based off their own repayment terms? 

I will provide all statements of my account and any other requested documentation. A dispute has been issued with the company as well in writing.
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I applied for a mortgage and the credit check was done by a company called XXXX. Transunion showed I had 4 accounts in Dispute. So the mortgage company called me and I called Transunion that day. The man I spoke with said he could see the errors and would remove them immediately. I advised the mortgage company and they checked again and the problem was still there. They checked again today which gave me XXXX hard inquiries instead of XXXX. I called Transunion today and asked that they only show because it was their error. The refused saying these would stay for 2 years. I want only XXXX inquiry to show as it will affect my credit for two years.
Consumer complaint received 2017-10-10
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

My Capital One XXXX credit card bill was due on the XXXX.It was paid on the XXXX.I was given a {$35.00} past due fee.When I called I was told the was because I did n't make the full payment due of {$49.00} .I paid {$48.00} by pushing min payment button and the transaction was APPROVED. 

So I called and asked why I was given a past due fee because a {$1.00} error and was told their computer processes these transaction but, she would wave the past due fee because it was obviously a mistake. I then asked about them about my credit report damage of -46 points on my credit score and she said there is nothing they can do about it and I would have to make my case with the credit bureaus on my own.
Consumer complaint received 2017-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (OH)

Several transaction posted to my account which were not authorized or duplicates. I contacted the bank to dispute these which was done without issue. I was informed by the bankers loss prevention department on this day XXXX XXXX that the bak placed a freeze on the account to keep it from going more negative and I asked if the account was being closed. They said no it was not and to call back once the disputes had gone through and any remaining negative balances were resolved and that the accounts would be unfrozen, no issues. Cash was deposited today to cover any remaining amounts overdrawn and to cover an outstanding check that was written. The bank gave me to run around for several hours and refused to release to hold on the account, even to give me back the cash that was deposited just hours before. One branch manager at the XXXX XXXX XXXX XXXX XXXX named XXXX refused to help me and told me I needed to leave when told that I would be contacted the CFPB if this was n't resolved. The bank is still refusing to release to hold or release my funds and the banker I worked with before the mananager told me he did n't know when, if the funds would ever be unfrozen.
Consumer complaint received 2017-10-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CASHCALL, INC. (AZ)

This is a " Predatory Loan '' I 'm finding out. Unfortunately the hard way. I received this loan on XX/XX/XXXX for {$10000.00}. Which at the time they took approximately {$500.00} in fees. For a total of {$10000.00} deposited into my bank account. It is now XX/XX/XXXX I have not missed a payment and have paid on time each month. My current payoff balance is as of XX/XX/XXXX {$10000.00}. Each month my payment is minimum of {$840.00} and maximum of {$850.00}. I have currently paid over {$16000.00} to Cashcall with no apparent end to this loan in sight. Extremely high interest rate 99.75 % I NEED HELP!!!!!
Consumer complaint received 2017-10-10
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: Experian Information Solutions Inc. (CA)

XX/XX/2017, is when I last sent this company a letter disputing several incorrectly reported items on my credit report. including XXXX XXXX Acct # : XXXX which was removed from my report by XXXX. I am not asking this company to base the investigation on XXXX 's investigation results. I am just stating a fact, that an item being not verifiable to one bureau, should be the same with the other bureaus. I am requesting copies of documents used in the investigation by this company that XXXX is not able to obtain. Please reinvestigate properly all the items I have disputed, from the inaccurate account opened date, highest balance, status, inaccurate payment history.
Consumer complaint received 2017-10-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: DOLEX DOLLAR EXPRESS, INC. (AZ)

The person who initially made the transaction entered the information wrong in the system. Their paperwork does not have a way to verify as to where the names have been placed. They placed the receiving person 's middle name as their last name. So when they went to pick up the money it was not being release to them. When I went in to correct the problem the following day it was corrected very promptly. There are no complaints there other than the fact I had to take time off work that I should have had to take. 
The lady who fixed the problem said it would be fixed within 1-1.5 hours which it was. Although she said sometimes the PIN changes and said she would call me to let me know when the transaction was complete and the receiver was able to pick up the money. She said IF the PIN changed she would let me know of this change at that time. I NEVER received a call letting me know the transaction was complete much less giving me a new PIN. I found out because the receiver had to contact me yet again. The receipt given at the Dollar Express does not have the phone number of the actual location so that we can call directly only an XXXX number to customer service whom barley speak/understand English. Which took more time out of my workday. This is not the first time they have entered the person 's names wrong. When dealing with money that should be one of their top priorities.