davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Regional Management Corporation (TX)

Approximately one year ago, I received a loan check in the mail in the amount of {$1200.00} from XXXX XXXX of XXXX, Tx. As I was struggling at the time, I went to a bank and cashed it. After spending {$90.00} that same day, I got cold feet and changed my mind ; I decided to return the remaining {$1100.00} to XXXX XXXX the next day. The following day, I did that, handing their rep {$1100.00}. I told him Id pay the remaining {$90.00} the next day. He told me that there would be an additional interest charge of {$30.00} so I would need to bring a total of {$120.00} to satisfy the loan. I agreed to do that. When I returned to their office the next day and handed the rep the {$120.00}, he told me that I would now need {$40.00} more. When I reminded him of the amount he told me to bring the previous day, he lied and denied saying it. I became enraged at this obvious attempt of extorting entrapment and refused to pay another penny. I then walked out. So to sum up, I cashed the loan check for {$1200.00} and spent {$90.00} the same day. The next day I returned {$1100.00} to their office and the day after that, I went back yet again to their office to give them the final {$120.00}. Several months passed and I received a letter from XXXX XXXX stating that I owed {$140.00} and needed to make payment to bring my account current. I was in shock and outraged. They knew very well that I spent only {$90.00} of the original {$1200.00} and I returned the remaining amount to them with interest within 72 hours of cashing their loan check. I ripped up the letter and vowed to ignore their criminal behavior. They proceeded to send me several more letters over the course of several months and to this date, now claim that I owe them {$650.00}. Im so physically and mentally sick over their lies and harassment that not only do I wish to have them stop contacting me. I now also would like to file a lawsuit against XXXX XXXX of XXXX, Tx for harassment and fraudulent debt claim. Can I do this?
Consumer complaint received 2017-04-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IN)

I received a loan  with One Main Financial in   XXXX . In  XXXX  I became very ill and was unable to pay on time. In  XXXX  of  XXXX  I spoke with  XXXX   XXXX  from  XXXX   XXXX   XXXX   XXXX . He and I made a settlement agreement for {$4100.00} to be paid on the last day of the month for 12 months via automatic withdrawal. The final payment, I requested, to be made on  XXXX   XXXX ,  XXXX . All payments were made on time, so I thought. On  XXXX   XXXX , at  XXXX  am I received a call from  OneMain  regarding my account. I immediately looked at my account records and noticed my  XXXX   XXXX  payment was not taken out. I contacted  XXXX   XXXX , who I originally worked with. He told me, the day before my payment was to pos t, OneMain too k my account back. He did not know why and I was to cont act OneMain a nd  XXXX . I spoke with  XXXX   XXXX  on  XXXX  and was to fax the settlement agreement to her. I did this and the payment was taken out on  XXXX .     I pulled a copy of my credit report yesterday. On my report,  OneMain is r eporting twice, once for the original loan and another time for the last payment. It is also reporting the last payment late, however they were the ones who cancelled the last payment. This is not right. In addition to this, they were supposed to send me documentation that this was paid in full 10 days after the final payment was made. I still have not received this.
Consumer complaint received 2017-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (IN)

I am writing to your agency in hopes you can help me with some charges on my  Discover car d previously disputed with you guys. I would like to know the status of the disputes. I am Amish and I do not owe a computer and I am not computer literate.  Communication is kind of diffic ult sometimes. So I asked my friend to help me with this. I did a complaint with CFPB previously but I lost track on what happened with my disputes. I was naive and let some companies take advantage of me and charged me for services and they did disappeared after and they were not capable of fulfill with their end of the deal. I would like to know if the charges that I disput ed with Discover were ever investigated and if they did what were the results. If they were disputed as claim and defenses. I would really appreciate if you help me with this so I can get some closure please. I did some complaints previously, the companies were :   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . I might of forgot some names.
Consumer complaint received 2017-04-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (AZ)

Nelnet  raised my payment to an exaggerated amount than when I could n't pay it they offered me a deferment taking on all the interest to my principle. They then said at the end of my deferment my payment would be manageable but instead it came back at the original exaggerated amount. I 'm tired of the games they are playing adding interest and fees when they know I ca n't make their demands.   Please help stop these preditory practices to a stay at home mother of  XXXX .
Consumer complaint received 2017-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

On  XXXX   XXXX ,   XXXX  , I applied for a card from  Capital One.   The application was n't approved. Today,  XXXX   XXXX ,   XXXX  , I was emailed a letter from  Capital One.  This letter was exactly the same as the previous letters that I have received from them.  Capital One  is claiming that based on my application, there is pending legal action against the applicant. They once again have not provided me with the name and contact information for the agency that furnished  Capital One  with the information used in this credit decision as required by law. I have received phone calls on two separate occasions from individuals who claim to be with  Capital One ' s  executive  office. Apparently they can not, or will not help me. I ask for the agency that provided this information so that I may dispute it. " I 'm not sure '', or " I do n't know '' is the standard reply. I am told to check with local and federal courts to see if there are any public records about me. I havechecked, and there are no legal matters about me.
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BB&T CORPORATION (FL)

I purchased a new vehicle on   XXXX   XXXX   XXXX   at  XXXX   XXXX  in  XXXX , FL. For that purchase I traded in my   XXXX   XXXX   which was Financed with   XXXX   XXXX   XXXX  ,   XXXX   XXXX   obtained a 10 day payoff in order to send  XXXX  the correct amount owed. I started receiving collection calls from   XXXX    around   XXXX   XXXX   asking for payment from me I stated that I traded the vehicle in on   XXXX   XXXX   and they should have received the payoff check from the dealership already. It turns out that  XXXX   XXXX  supposedly sent the check to the wrong bank which caused a delay.  XXXX  was aware of this but still reported me to the credit bureau as being 30 days late making a payment which I was never late in making my payments this was the dealerships fault in sending the payoff late which in turn they ended up having to pay more money. I am furious that my credit was affected by this. I disputed it with  XXXX  but they did not remove it. The Dealership overnighted the payoff check on   XXXX   XXXX   and now my credit suffers because of it.
Consumer complaint received 2017-04-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: First Investors Servicing Corporation, Atlanta, GA Branch (OH)

I got behind in my vehicle loan beginning with the  XXXX  payment. I scheduled  XXXX  months of payments to come out on Friday  XXXX   XXXX   XXXX  . I had an issue with my other car loan with a repossession and had to get the vehicle back so my fianc could work. I paid almost {$2000.00} in fees for  XXXX  with them. Then they took out {$650.00} unexpectedly on my account at the same time  First Investors tr ied to take their payments. The bank paid the lower amount  XXXX  {$650.00}  ) and returned the First Investors payments. I am distraught and confused. I called First Investors as  soon as I realized what happened  XXXX  prior to them receiving the returned payment ) this morning. I was told that I do not qualify for a deferment based on having  XXXX  in   XXXX   of last year. Also, if I do not have a payment in by the end of  XXXX , they will send me a harsh letter demanding {$1400.00} from me or repossession. There is nothing they can do to help me per my account  XXXX ,  XXXX . Now, here 's some background and frustration . First Investors is a subprime loan lender who banks off of people in despera te measures trying to get a loan so they can work and have transportation. With my interest rate and payment amounts of {$510.00} a month, I am paying more than 3 times what the vehicle is worth. It 's highway robbery and they can not help their customers more in these financial situations? They have to understand that their customers are paying 3 times as much in monthly payments as a normal consumer would. I understand these loans are risky but at the same time, but {$510.00} a month for my vehicle is outrageous. I was promised when I got to the car that I could refinance for lower payment and now that is definitely not the case.
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In applying for a new home loan, it was brought to my attention that my credit report contains a " serious delinquency '' apparent on both  XXXX  and Transunion. I was able to research a bit more using   XXXX     XXXX  and found that I have two missed payments ( 90 days and 120 days ) late on a Federal Direct Plus  XXXX  Loan with a date on  XX/XX/XXXX . The late payments occurred  XXXX  and  XXXX   XXXX , a time that I was still a full-time student. I have been in touch with  XXXX ,  Dept of Education,  and NSLDS and no one has any information on who serviced the loan at the time of the reported delinquency.  XXXX  reports beginning servicing my loan in  XXXX   XXXX  and has no prior information. NSLDS only reports  XXXX  as a servicer. The delinquency is in error as I was a full-time student as maintained my deferment throughout that time. I need help identifying my loan servicer and removing this from my credit report.
Consumer complaint received 2017-04-25
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: Navient Solutions, LLC. (IL)

Navient has fraudulently put student loans on my account. I have never had an account with Navient. They can not provide written proof of a signature with me and NAVIENT on the same contract. I have been d isputing them off my credit for years. Since they in bed with the credit bureaus they claim the debt is valid. But they can not provide proof to show where I have SIGNED WRITTEN AGREEMENT BETWEEN ME AND NAVIENT.     They are fraudulently messing up my credit on purpose. I have saved monthly credit reports for over 3 years where navient just puts whatever they wont on my credit. Accounts are open, closed, then reopened, paid, not paid, high balance, low balance, missed payments, no missed payments. And the straw that broke the camel 's back was last we ek my credit score drop ped by  XXXX  POINTS because of navient fraudulently changing information on my credit.     I AM FED UP. ENOUGH IS ENOUGH. I BEEN PLAYING GAMES WITH THEM FOR TOO LONG. I HAVE A MOUNTAIN OF EVIDENCE ON THEM.
Consumer complaint received 2017-04-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (GA)

National Credit Systems   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX  Last report  XXXX / XXXX /  XXXX  , negatively impacting my credit.     I requested for validity of this debt, including, signatures, valid contracts with this company and no response was received. If the debt can not be properly validated as requested to remove.
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

Experian was contacted to update to current loan amount and that no loan payments are due at this time with  XXXX   XXXX  student loan. They are showing an amount of balance before  XXXX  in payment. Also they showd delinquent for  XXXX  which is not
Consumer complaint received 2017-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

A charge of {$5200.00} made on  XXXX   XXXX   XXXX  on my  Capitol  credit card was being disputed. The transaction dept o f Capitol One  requested documents in order to reverse the charge. They initially did so. On  XXXX   XXXX ,   XXXX    Cap One  requested additional info as what I had submitted " had value ''. I was told by phone and also in writing that I needed a second opinion by someone in a similar field ( real estate as I was challenging a real estate program purchase called   XXXX   XXXX   by  XXXX  and  XXXX   XXXX   ) , and that the opinion had to EITHER state why they felt program was defective OR how the program did not match the invoice, contract, etc. I was later denied reversing the charge because I did not have the second opinion person address both conditions instead of  one of two conditions. I have written Capitol One  on  XXXX   XXXX  and received a standard letter, similar to ones I received in the past. The correspondence from them dated  XXXX   XXXX ,  XXXX   XXXX , and  XXXX  did NOT request both issues or conditions be met.When I called after receiving denial letter I was told about the both not or conditions and that it was too late to submit anyway since it was past the  XXXX   XXXX  deadline. I even told them on the phone that their correspondence did not reflect their basis for their final decision and that it was misleading to me and other individuals disputing charges thr ough Capitol One. If you desire I would be happy to furnish copies of these  letters to you, upon request.
Consumer complaint received 2024-10-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sunlight Financial LLC (IN)

I was a customer of XXXX XXXX, formerly XXXX XXXX. The company engaged in misleading, sordid tactics to obtain customers. In XXXX of XXXX a salesman lied to my family, reporting that XXXX XXXX is a subsidiary of XXXX XXXX. That they had been around for over XXXX years, which instilled false trust in me concerning the stability of their company. They were sued by XXXX XXXX and had to change their name to XXXX XXXX within a year. I was talked into buying a solar system for $ XXXX, well above normal pricing. But this included an too-good-to-be-true warranty that I thought was worth the extra money. But, the system performed at less than half of what was promised. The company was inundated with lawsuits for fraudulent activity, and ended up having to file bankruptcy. My warranty can no longer be fulfilled. They in no way fulfilled their part of the contract. And the contract could not be fulfilled through normal means as they also stated we must pay the entire tax credit amount back to them within XXXX year or we would lose our low rate. No normal family makes enough money to be able to collect the full tax credit in XXXX year. I am working with lawyers to take claims to arbitration. My lawyers filed a letter to inform them of this. 
Beyond this, XXXX Attorney Generals ( including Indiana ) notified the lenders XXXXSunlight Financial that they should cease collections. 
Instead of ceasing collections they securitized the accounts and we, the consumers, are being collected upon by the assignee trust 's collection agency despite claims of cancelling as a matter of right. Allowing this behavior eliminates the usefulness of the FTC XXXX XXXX.
Consumer complaint received 2017-04-25
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. (FL)

I have sent several certified letters to both the collection company as well as the  XXXX  credit bureaus regarding  XXXX ,  XXXX   XXXX  and   XXXX   XXXX   accounts that I didnt authorize in my name. It has been showing up for the past few years on my report and thats not fair to me as a person who is trying to establish credit after being a victim of identity theaft for many years and i didnt know. I have a security freeze on my credit reports now. I had to work on my credit report night and day to resolve the issues that had arised. It 's  XXXX  items that needs to be removed. I am reaching out to you to see if I can get assistance from this department. Please assist me in this process. I have letters to show that ive made several contact with both creditors as well as the credit beaures. These items are seriously affecting me with obtaining credit and I NEVER DID BUSINESS WITH EITHER BUSINESS. I was n't able to attach my last  XXXX  ss # on this conplaint due to an error. Please be advised and fix this error reporting on my credit report. Thanks
Consumer complaint received 2017-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

Convergent Outsourcing, Inc  is attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  or  XXXX   )  this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports.Convergent Outsourcing, Inc are in : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character.
Consumer complaint received 2017-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (TX)

They reported a debt I did not owe to the credit bureau. I will file a police report tommorow for fraud. I 've read th e Convergent Outsourcing is  a scam company that is doing this to several people. I watch my credit very carefuly because I do real estate and own a company.
Consumer complaint received 2017-04-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (TN)

XXXX   XXXX ,  XXXX  I filed a complaint with the BBB and CFPD agains t NCB Management services, Inc. I n their response to my complaint they stated they would send validation of the debt owed. They have not done so. All they have done was state they would send the required information. I am requesting the original contract, complete financial transaction history, and a copy of the letter they stated was sent in  XXXX   XXXX ,  XXXX . With out this information in a timely manne r. NCB Management serv ice is deliberately violating Fair Credit Reporting Ac t, 15 U.S.C & 1681. Under that  act all unverified accounts must be deleted. Without validation of this debt and continue reporting to the  XXXX  credit bureaus, will result in me seeking damages.
Consumer complaint received 2017-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

This is in reference to my previous complaint #  XXXX .      XXXX / XXXX /  XXXX   - I contacted a CSR at Nelnet to find out the status of my student loans. I was told that my student loans had been put on Forbearance, from  XXXX  due to an error in processing my REPAYE recertification. At no time did I ever request that my loans be put on Forbearance as I am almost 5 years into my 10 year plan of  Public Service Loan Forgiveness  and I knew that a Forbearance would negatively affect my plan. I was never told that my loan was being put on Forbearance. I was done without my consent. Because of this mistake, I was told that my payments of {$100.00} were insufficient and more interest was added to my balance, bringing the grand total to {$95000.00}.