davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OK)

Starting in the year of XXXX I began to have problems with my student loan. At that time they would not allow me to make payments on the loan because they had put a bankruptcy on my account. It took them about a year of me and my mom calling them to get them it figure out that they had put the bankruptcy on the wrong account. The whole time during XXXX, they would not allow us to make payments but continued to charge interest to my loan. Ever since then my payments have been more than what I can make and more than the original agreed upon amount. When I called to try and get a lower payment, they kept telling me that " a forbearance was the only option for me. '' Not knowing that this would increase my payments, I had no choice but to do it in order to get a few months of relief in an attempt to catch up. I would constantly get email notifications from Navient telling me that I had options to lower my monthly payments, but when I called they would just tell me that the forbearance was the only option and they were unable to lower my payments. Recently, about two months ago, I noticed that my account said that my minimum payment was {$0.00}. So, I had assumed that they put a forbearance back on my account, but today I logged on to my account, I noticed that it was still at {$0.00} for the due amount when today should have been when the payment was due. I called Navient to see what was going on with my account and that is when they informed me that my account is on hold do to a law suit that was in progress. They told me that I can still make the payments on the account but the interest will continue to accrue. My loan balance has increased by {$500.00} in the course of two months. I then asked about lowering my monthly payments and he told me that I would n't be able to until XXXX and informed me that once XXXX came, I would need to start making a {$200.00} payment, which again is raising my payment and not lowering it, unless they can lower it for me in XXXX. Due to finances in the home, I can not afford a XXXX XXXX monthly payment nor can I afford to have my loan to continues to increase the way it is, I need monthly payments that are more affordable. I feel like I am being taken advantage of and I can not afford for this loan to keep on increasing, it started at {$12000.00}, and now it is at {$15000.00} plus, even though I have made many payments. If this continues I will be trying to pay this loan off for the rest of my life
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In review of my TransUnion report via XXXX XXXX, I 've discovered on XXXX XXXX, 2016 XXXX XXXX XXXX hard inquires were removed from my credit profile and re-inserted on XXXX XXXX, 2016 without notification. TransUnion is required by law to inform me within 5 days of re-insertion that they are adding anything to my credit profile and since TransUnion failed to notify me they broke the law. TransUnion violated my rights under the FCRA SECTION 611 laws. I 've been calling TransUnion ever since and received no help. TransUnion representatives refused to transfer me to the Fraud Department or the XXXX Department for assistance with this issue ; multiple incidents with rude, unprofessional and uneducated representatives representing TransUnion ; I have also been told by TransUnion representatives that TransUnion was aware of this issue but, refused to correct it or provide a resolution to its consumers that were affected by this glitch or TransUnion error.
Consumer complaint received 2017-09-20
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. (FL)

XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION XXXX DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX  which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed 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 SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2017-09-20
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)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2016-09-22
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (NV)

I had an outstanding loan of {$200.00} with this company. I was trying to get them on my debt counseling program XX/XX/XXXX. My debt counseling program contacted Cash Central with a proposal and I followed up a few days later with Cash Central. They claimed they never received the fax and took out {$120.00} as repayment for my loan. I kept at my debt counseling company and they told me that Cash Central was on board and I would be paying them {$25.00} a month. I set up the repayment date to be XX/XX/XXXX and shortly afterward, I received an e-mail from Cash Central stating that they would take out {$27.00} on this date. 


I asked my credit counselor if they were actually on board with the program because they were doing an automatic withdrawal on XX/XX/XXXX. She told me that it was up to them to void the ACH. I asked Cash Central to do that and they said that was not neccessary. In lieu of this, I told my credit counseling company not to take out the {$25.00} for XX/XX/XXXX since they were going to do it. 





On XX/XX/XXXX, I received an e-mail that my Cash Central Agreements were now void. Now to my understanding, my credit counseling program was going to make a payment to Cash Central out of this month 's payment. However when I checked my bank account yesterday, XX/XX/XXXX, I found out that I was overdrawn by {$65.00}. Cash Central tried taking out {$110.00} from my account without telling me. I am now in worse of a mess than I was before and I have two payments that are now rejected because of this and my credit rating will suffer. My bank is XXXX and the local office is in XXXX XXXX, NV.
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (VA)

I had another dispute in the past about Equifax and some of the accounts that were being reported, In addition to what has already been disputed I have information to add to the dispute including : XXXX needs thorough investigated, they are reporting to my credit reports under multiple names with different amounts and account numbers for the same account. They have listed as XXXX, XXXX, XXXX, and also go by the names XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX all under the parent company " the XXXX XXXX '' when something is removed, as it has been on my reports, it is transferred to another of their " companies '' to get it back on the reports it seems. XXXX XXXX and a XXXX account are reporting on my reports and XXXX and XXXX XXXX are reporting these same accounts as collections so some of my reports are showing XXXX negative items for XXXX account. To my knowledge this should not be the case. I attempted to contact the XXXX office in XXXX AL ( original creditor ) by mail about the account they have listed on some of my reports and offered payment in an effort to clear this matter up and I did not get a response from them. XXXX XXXX, CRA, and XXXX finance as stated before are all reporting the same accounts under different names. Can they do this? I contacted XXXX XXXX to try to sort the matter out and requested them to send me something by mail showing the terms of a payment arrangement and they refused to do so multiple times until after I talked to XXXX different people from XXXX " companies '' XXXX funding which told me they could n't negotiate a settlement with me and transferred me to XXXX XXXX XXXX XXXX in which agreed to a settlement amount and after telling them I could n't pay that day finally agreed to send me the agreement in the mail for a lower settlement amount but added in the letter that a negative report to a credit bureau may be added if I did not pay it, a day later I received another letter from them wanting the full amount. I told them I did not admit ownership of the account I just wanted the matter cleared up and off my reports. These accounts have made a mess of my reports due to multiple listings of the same account with just enough changed to look like different accounts etc. I went as far as requesting the help of a credit repair company but they did n't dispute on the proper grounds I believe. I need all XXXX of my reports investigated for these issues and they should be removed especially if the original creditor will not accept payment on the account or even reply to my inquiry about the account.
Consumer complaint received 2017-02-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NV)

This is reference the Wells Fargo Scandal of XX/XX/XXXX On XX/XX/XXXX my Wells Fargo branch asked me to come in to open XXXX new accounts due to a security breach on my existing accounts. They advised me that the source of the breach was confidential. XXXX new accounts were opened and resulted in bank routing numbers not recognized by my creditors when I issued checks. Those checks were returned as insufficient funds and my credit report and my credit score were financially damaged over a XXXX year period. My local Wells Fargo Branch officers were incentivized to create new accounts at my expense. I was advised to submit my complaint /dispute with the XXXX XXXX XXXX XXXX on XX/XX/XXXX and I submitted a XXXX Form with XXXX ( XXXX ) supporting documents requesting {$50000.00} in financial credit damages over a XXXX year period. On XX/XX/XXXX A Telephonic Mediation Conference Session was conducted between Wells Fargo, The XXXX and myself for a XXXX and XXXX half hour session. My XXXX is : XXXX. While a settlement resolution was reached a serious XXXX of justice occurred where I had no choice but to settle for a {$1000.00}. This was agreed upon my all XXXX parties on XXXX. Since that date no payment has been made my Wells Fargo and after several attempts to reach Wells Fargo through the XXXX they failed to reply or make payment. I have a condensed account of all of the above dated XXXX that was emailed to you at : XXXX. I will attach that document again for your information. Naturally, after XXXX months I have extensive records of my entire complaint/dispute with the XXXX & Wells Fargo on file. As a XXXX at age XXXX I am convinced I have been victimized by Wells Fargo and I am respectfully requesting the CFPB to review and investigate my complaint. Please advise my next step with the CFPB. 

Sincerely, XXXX XXXX XXXX, NV XXXX Email : XXXX Telephone : XXXX
Consumer complaint received 2018-02-25
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: SYNCHRONY FINANCIAL (KY)

Unauthorized credit inquiry on my XXXX credit report.

I was a victim of identity theft.

XXXX data hack. My information was compromised. Some was using my identity..
Consumer complaint received 2017-09-20
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: Innovis (GA)

Requested a copy of my report from Innovis on XXXX XXXX and was told I would receive a report in a few business days ( see copy of email below ). As of XXXX XXXX XXXX I have not received a copy of report nor explanation of delay. 


Dear [ Name withheld ] Thank you for ordering your Innovis Credit Report. You can expect to receive your credit report in the mail within the next few business days. 

Below are the summary of your rights under the law. 
Federal FCRA Summary of Rights : https : //www.innovis.com/pdfs/fcrasummaryofrights.pdf Sincerely, Innovis XXXX Assistance
Consumer complaint received 2017-02-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: World Acceptance Corporation (GA)

I have verbally told the loan company to stop calling my place of business as it will interfere with my job. They have not ceased their calls. Instead they call and hang up if i answer. If another coworker answers they tell them that they are calling to garnish my paycheck.
Consumer complaint received 2017-09-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (IL)

To whom it may concern I XXXX XXXX is struggling on making my payments for the past 3 months but I have made partial payments last partial payment was made onXX/XX/XXXXof 2017. For XXXX I understand it not a full payment but I 'm trying the best I can to pay everything in full in a period of time. 
I am struggling due 2 3 things now one is a hospital bill that is huge for a XXXX that was done to my dad in XXXX. That has been one of the reasons of my delay to make payments the most recent one is the hurricane XXXX that affected my love one my family in texas. Their homes were completely destroyed and now they have nothing my family and I provide them with water, clothes, blankets, food.and money. It is very sad and upset that I am experiencing this problems. And seem not to find a way out of this. This is a temporary thing and that is why I want ally financial to understand that I need to support my family affected and now also by the earthquake in XXXX XXXX my aunt uncles cousins have no water no homes, no clothes, and in need of more help. Those are the main reason why I in default and un debt. It is not intentionally I am working but my check is just not enough not now that I 'm experiencing this terrible situation due to mother nature. My family and I are very upset that all this is happening to my family and us. 
I spoke to a representative today XXXX XXXX. 2017 and the representative insulted me telling me that I was loud and that I was angry and that I was always screaming on the phone I told him that that was the way I spoke and not to take it the wrong way but I was n't mad and that I had a deep voice. He insulted me telling me all those things and I even told him are you listening to what you are telling me you are insulting me sir. And I have you recorded and I told him I would file a complaint to cfb consumer financial protection bureu. That is very unprofessional the representative iinsulting you telling you that I was been loud and other things unacceptable not need it to gear those kind of words. In other word he was saying I was rude. And annoying and told me to stop talking and listen to him. I got mad and told him that was incorrect and that that was not the way to treat a customer even if anyone was behind on payments.
Ally Financial I have always been on time on my payments except this 4 months to to the circumstances that I 'm currently experiencing due to my relatives affected by the hurricanes and the earthquake and my dad 's situation.
I also wan na thank you because you been there for me before and now you are making it difficult to me i need tour help and they calling me more than 30 times a week or every day.
Consumer complaint received 2016-05-04
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Byrider Franchising, LLC (OH)

I purchased a car through JD Byrider in XXXX that was financed through CNAC Byrider Finance LLC and had 24 months to pay. I started experiencing some serious problems with the car and took it in for repairs and paid {$400.00}. XXXX XXXX stated that they repaired the car but the car was not repaired in fact XXXX XXXX stated that they made the wrong repair and because of their mistake that said " we'er just going to put you in another car ''. I thought it would be an even exchange however, I ended up paying a {$1000.00} " deferred down-payment '' in addition to the {$500.00} cash ( down payment ) and the {$400.00} car repair. to sum it up 'm now paying XXXX {$190.00} bi-weekly payments started XXXX 2015. The sales price for the car " they put me in that I thought would be and even exchange I believe around ( {$6500.00} ) has been fiance for {$13000.00} at 20.999 % interest with the total sales price being {$21000.00}. I feel I 've been rip off can you please let me know if you can help me with this matter.
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

XXXX, Experian, XXXX Please be aware that I 'm not a credit company, so do n't allow your computer to label me as that I 'm a human being that knows my rights. I wo n't except no response other than this situation being fixed. No excuses from you. 

I contacted all three bureaus today and I mentioned that I want all fraud alerts removed permanently. This has been causing a problem for sometime now. Please remove all fraud alerts within 24 hours I do n't feel comfortable sending personal documents through the mail and I hope that you respect my decision. I do n't know why a fraud alert is reporting on my credit report and i thinks it 's because of the breach. If my credit file was breached I will take immediate actions against al three bureau for damages in a civil court room in XXXX FL within the next month. I have unknown inquiries on my credit file I 'm convinced my credit file has been breached and for every error I will make it my job to have my lawyer take legal actions. If for any reason a fraud alert is placed on my credit without contacting me there will be major consequences. I 've contacted BBB and FTC to file my complaint. You have 48 hours to fix this XXXX. Any inquiries that you see since XXXX 2017 is n't mine sorry.
Consumer complaint received 2024-09-25
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: CAPITAL ONE FINANCIAL CORPORATION (ME)

Today XXXX I received a capital one credit card in the mail that I did not apply for. I checked my credit report and on XXXX a hard inquiry was made my capitol one and added to my credit score. I did not apply for a capital one card and am very concerned about this.
Consumer complaint received 2017-02-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (GA)

Ever since Navient has become the servicer of my student loan I have received continuous poor service. I have received conflicting information from agents, incorrect information, and a complete lack of competence and accountability. Most recently, after making a lump sum payment to the principle balance of my loan, I called customer service to have what they call a redisclosure to determine a lower monthly payment. I called on XX/XX/2017 and was told by the agent assisting me that the request for redisclosure had been made and I could call back in 14 days to find out the status. After waiting the required 14 days, I called back on XX/XX/2017, and was told that the system does not show where any request had been made. The request could be put in on this date but a determination would not be made until XX/XX/2017, causing me to have to wait another billing cycle to get my payment reduced. If the request was submitted timely the new payment would have take effect XX/XX/2017 but due to their incompetence the earliest it would take effect is XX/XX/2017. Unfortunately, this is not the first time that this same exact " mistake '' has happened to me personally, causing me to pay more than is required. This seems to be the norm with this institution and it is frustrating to say the least. This negligence is borderline criminal amd should not be allowed to continue when dealing with peoples finances.
Consumer complaint received 2017-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I owe XXXX to Navient. XXXX XXXX I went on vacation from XXXX XXXX and came back homeless. I found a place to live again and was scheduled to resume my studies in XXXX XXXX. Then, the school shut down and I they said I owe XXXX i do n't know what to do. i want to resume my studies in XXXX but dont want to pay more loans