davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (CA)

In XX/XX/XXXX I was struggling to make rent and I got a letter from CashNet USA and applied for and recieved a {$2600.00} loan. I believed at the time that the re-payment would be {$210.00} a month, which was okay with me. However after I recieved the loan they began taking {$210.00} every two weeks from my bank account. I attempted at that time to call and try to set up a different payment schedule, because I knew that every two weeks would be too hard for me. I have managed to pay every month until now, I simply can not afford it anymore. I called again today to try to work something out where I could pay once a month. 

They refuse to offer any other options and when I call to speak with a collector they tell me that i CAN NOT speak with a manager or anyone above them. They are rude and threatening and bullying. How is it possible that there is no manager or anyone at all to speak with? I am not trying to get out of repayment, I am simply trying to figure out a schedule that works so that I'm not constantly going negative and in turn getting charged over and over by my bank. I cant live like this anymore it is destroying my life. 

Also, I have been paying this every two weeks since XX/XX/XXXX and not one of my payments has gone toward my balance, they are only going toward interest. Is this even legal? This was only a XXXX loan and they are making me pay back XXXX!! Is this legal? 

When I spoke to the woman today I asked why this doesnt show up on my credit report because it makes it look like scam and she said 'you should be happy its not on your credit report ''. I have now read many complaints online saying that this loan is a scam and that the APR rates are illegal. I don't know what to do and I am looking for help to find a solution. Thank you.
Consumer complaint received 2018-02-14
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: Experian Information Solutions Inc. (UT)

ATTACH IS THE PROOF OF THE FRAUDULENT ACCOUNTS ON MY REPORT THAT NEED TO BE REMOVED. 


These accounts have been established fraudulently without my consent, I have kept disputing these accounts with XXXX, XXXX  and Experian. To this day I have not received any verification these accounts are mine. I request they be REMOVED IMMEDIATELY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CO)

I have always paid my bill online every month with a bank and they always show that they receive my payment. however, 2 times this bank sent me notice in 30 days that they never received the payment even when the website said they did. This caused late pays to show up on my report. Their website clearly stated when i made the payment that it was made on time initially. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.
Consumer complaint received 2018-02-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (TX)

-There are two users on my Chase checking account with ATM cards. 
-One of the users had a fraud alert that caused Chase to replace their ATM card at the end of XXXX. During that call, the user of the account requested whether we should proactively close their other user 's card to avoid a fraudulent charges there. The bank said that was not necessary. 
-During the week of XXXX, the other ATM card in question wound up also being compromised and a series of {$100.00} withdrawals was taken over several days to a total of ~ {$950.00} in Florida , a state I was not physically in. On XX/XX/XXXX I saw the fraudulent withdrawals upon logging into Chase and notified them of the fraud. 
-Likewise these ATM cards include a chip, so I'm unsure of how that technology protects me if this can happen. I had the physical cards. 
-On XX/XX/XXXX Chase denied the claim because they showed activity of me logging into the account during the withdrawal period and claimed I was aware. I had not logged into the interface and was not aware of the withdrawals. 
-The dispute is that based on the login information Chase shared we were able to identify that it the logins were due to automated budget software logging in and therefore I was not aware of the withdrawals. 
-Chase claims that as a result I am liable while I believe this should fall under Chase 's claim of {$0.00} fraud liability. 
-They have claimed they would re-review the case but have been unwilling to take into the account the specifics of this case. 
-They also refuse to acknowledge that if the customer rep had agreed to take the steps we suggested and replace both cards this wouldn't have happened. 
-I am now left holding the bag for {$1000.00} that was taken from Chase because their fraud systems were insufficient.
Consumer complaint received 2024-11-04
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. (WI)

Reinvestigation request notice, Under 15 USC 1681 requires accurate and fairness be for any information is inserted to my consumer report. I'm aware of my right 's and know according to the FCRA I have the right to challenge anything and everything that I'm unsure of. I demand that you reinvestigate this account XXXX XXXX XXXX XXXX account number XXXX date XX/XX/year>, this account must be reinvestigated A.S.A.P. If you can not provide the proof of the reinvestigation of this account FCRA 611 ( 15 U.S.C. 1681 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Also under 15 USC 1681 ( I request a description of procedure ) ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

( d ) Notification of deletion of disputed information Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within XXXX years prior thereto received a consumer report for employment purposes, or within XXXX months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information. The law is clear as to civil liability available to me. Failure to honor this reinvestigation will lead to a $ 1000.00fine per violation. 
Also the consumer filed a FTC Report again for this reinvestigation # XXXX.
Consumer complaint received 2018-02-14
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)

Despite my frequent attempts to correct or remove in accurate information on all three CR is they continue to report state and federal tax liens that do not properly show my information and that I do not recognize.As of XX/XX/2017 the law states that the most accurately show all four points of information in each file or remove it.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: EZCORP, INC. (NV)

I've went into a pawn shop to get a loan on an item I had. this pawn shop was familiar with the item from a previous time I receive a loan on the item.

About 3weeks to a month later I notice my information was released without my consent. I was really upset about that.. Seeing it caused all type of friction a XXXX XXXX and stress in my life that I did not need!
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

my credit card payment is due the XXXX of the month. i paid early XX/XX/XXXX for my XXXX due date. money was taken out, then the XXXX XXXX XXXX i get a email saying my payment from the XXXX didnt go through so they refunded me and are now charging me a late fee and i need to re make my payment. when it shows in my bank and the app the payment went through. so it messed my credit up. ive never had a late payment until then. they never called, texted or emailed me saying there was an issue with the payment. if it was returned the same day, why wait almost a week to tell me?!
Consumer complaint received 2018-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

I have a mortgage loan through Wells Fargo. I will admit there have been plenty of times I have been behind on my mortgage and this mortgage company have been very patient ; however, I want to begin a fresh new start by providing principal payments when I make a mortgage payment. On XX/XX/ I paid XXXX mortgage. On XX/XX/ I went into a Wells Fargo branch to make a {$500.00} cash payment ; I attached proof of this to this email request. I have called wells Fargo three times requesting a revised account summary with the principal payment showing on my account summary for my personal proof ; for some unknown reason a new account summary have not been created. The most recent account summary statement is dated XX/XX/. My most recent calls to them was today XX/XX/. Would you please assist me in trying to obtain a new revised account summary for me. Thank you.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm sending this complaint to request unauthorized credit inquiries be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-02-14
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. (NV)

I have attempted several times to rectify my issue with Experian and XXXX   regarding a collection account that is showing open from collection agency XXXX XXXX account # XXXX with a balanced owed of {$780.00} when in fact it has been paid. I tried contacting the collection agency but all I get is very rude and bad customer service to the point where it up with me hanging up on them. I submitted disputes with Experian and XXXX and after receiving their investigation report the problem was not resolved, I ended up calling both companies to speak with a representative and asked why the item was not updated correctly. I advised them that they are required to report accurate information and that if they did fix the problem that I would file a complaint. They stated that they are going off of what the collection agency is telling them and which is correct. I told them absolutely not and that they need to correct this immediately and it's just been very irritating going in circles. I am enclosing documentation to support my dispute.
Consumer complaint received 2018-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (CT)

I applied with BBVA Compass for a checking account. There was a promotion involved that if I direct deposited {$300.00} or more into the account within 60 days I would receive a {$200.00} bonus. The bonus was due to be paid within 60 days of the account being opened. I opened the account in the beginning of XX/XX/XXXXand a {$300.00} direct deposit from my employer was posted on XX/XX/XXXX. It's been almost 90 days since the direct deposit came through and over 90 from when the account was opened. I contacted BBVA twice after the 60 days was up and they said I would receive a call in 3-4 business days each time. I was told my account met all the requirements for the bonus, but I have not yet received the bonus or any follow up phone call.
Consumer complaint received 2018-02-14
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: EQUIFAX, INC. (TX)

I first submitted my police report to Equifax on or around XX/XX/2017 regarding the items that were in question on the report and they have since then deleted the items one by one at a time. The only item that is remaining on my credit report is XXXX XXXX. Both XXXX and XXXX has deleted the items on the police report. I have sent in documents numerous times to Equifax including a FTC Identity theft report and a letter showing deletion of this account with XXXX XXXX being deleted from XXXX. The item in question was not reported to XXXX. I have sent Equifax copies of these documents via fax and mail. When I would call to check they would state they did not receive all of the paperwork that I am stating or that it was blurry. And I have certified mail receipts that they received my documents but they would say that they had not. I spoke with a supervisor by the name of XXXX whom I asked why is it that when I try to send my documents via fax or mail I'm having a problem with this particular company on regarding this account with them. This guy put me on hold for well over 30 min and still would not give me an answer on what I could do to actually make sure that my documents are not going unnoticed and we get to the bottom of this. He basically just sat on the phone as if he was not even listening to me and my situation was not of any concern to him
Consumer complaint received 2024-11-04
Product: Credit reporting 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. (CA)

TransUnion have to remove immediately the credit inquiries that I never recognize on my report that is fraud and they have to remove it ASAP. Does credit inquiries not done by me and I did not apply for none of those creditors so please remove it immediately from my credit report.
Consumer complaint received 2018-02-14
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. (NV)

I have attempted several times to rectify my issue with XXXX  and Transunion regarding a collection account that is showing open from collection agency XXXX XXXX account # XXXX with a balanced owed of {$780.00} when in fact it has been paid. I tried contacting the collection agency but all I get is very rude and bad customer service to the point where it up with me hanging up on them. I submitted disputes with XXXX  and Transunion and after receiving their investigation report the problem was not resolved, I ended up calling both companies to speak with a representative and asked why the item was not updated correctly. I advised them that they are required to report accurate information and that if they did fix the problem that I would file a complaint. They stated that they are going off of what the collection agency is telling them and which is correct. I told them absolutely not and that they need to correct this immediately and it's just been very irritating going in circles. I am enclosing documentation to support my dispute.
Consumer complaint received 2018-02-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Big Picture Loans, LLC (MN)

In XX/XX/2017 I had been receiving solicitations from Big picture loans that I was preapproved for a loan of up to 2500. I always threw them in the trash. Last summer I applied as I needed money unexpectedly. The process was all online. I was preapproved, but much info was needed in order to finish the process. I was to provide a pay stub, bank statement, employer information, social security # ect .. I felt all was legit, as this is typical to have to provide this info. to companies/banks etc. The computer system on their end was having issues, so I was directed to call customer service. In order to complete the loan processing I needed to provide a color copy of my drivers lisc. And to expidite the process, I could allow them to view my bank account on line. I agreed, but became angry as they then declined the loan AFTER all info was provided. I feel that they went way too far in obtaining info on me. I called customer service back, and they said there is no record of me applying for a loan, to try again. I am very concerned that I may become a target if identity theft.
Consumer complaint received 2018-02-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Drew Eckl & Farnham, LLP (GA)

I am a former employee that has some very serious concerns about the Collection practices of this agency. I have 20 years experience in the Collections Industry and have witnessed and verbalized to Partners of the firm what I have noticed and nothing was done. The employees that make repeated violations such as XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX are still employed. This firm does not have proper management, trainer or training, rules, compliance officer, quality, and guidelines in place in writing to protect employees and the consumers of there clients XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. There Human Resources department seems not to know who is a Collector or Legal Assistant which shows they don't know what is going on or care to know. 

I have witnessed employees use verbal legal threats to consumers that will not be sued. 
Speak with 3rd parties without proper authorization and giving out debt information. 
Speak with consumers that have attorneys retained but collected money and communicated with the consumer. 
Call consumers out of time there zones because to calling out restrictions in place. 
Not stating calls are recorded from the beginning or stating the Mini Miranda at all. 
Suing and sending notices to accounts that are outside the statue of limitations. 
Consumers not getting initial demand notices because of returned mail and accounts addresses not being properly updated. 

Just to name a few violations and they have only been doing Collections practices for about 4 years now and they really need to get it together asap or they may be sued and not to mention stop discriminating against employees with XXXX  XXXX with no disciplinary actions and good quality calls and immediately fire them such as me. This firing almost caused me to kill myself and keeps me up all night but I have faith and trust in XXXX and the Truth must be told and I will fight for my rights and the rights of the consumers. Please look into this matter today!
Consumer complaint received 2018-02-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: First Direct Lending, LLC (FL)

almost 4-5 month ago i try to refinance my existence mortgage, When i was search refinance company, one of that company call me, For make in deal with me first they are ask me deposit {$220.00} .I told them i don't want to loos my deposit if some thing happen They told me not worry we give it back to you, And also send to me email, ,By the law said we give you your money back,, XX/XX/XXXX Without they are refuse my request without notice in letter or etc. 
How i find it! i call them many time for find it what is go in on suddenly they told me refused my application, I ask why they told me my XXXX, bldg not flood insurance ( even in the began i was told them that ),, Of course i ask my deposit back, Non body answer phone i send many email, not answer. 
Only he answer my email says non worry in the processing in other room, ,It was mid of XX/XX/XXXX i try many time again non body take care my calling or email, I send couple time email also to company president non return to me,, i send letter now they are answer with letter they are refuse to give my deposit..What i have to do,,, thanks Company name ; First Direct Lending LLC XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX XXXX