davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

My student loan, a XXXX loan, was first serviced by XXXX XXXX XXXX, which no longer has the loan, as the contract with the US Dept of Education was cancelled. I have never been late nor missed a payment. 

My credit files show that the loan was 120 day late in XX/XX/XXXX of 2012 as reported incorrectly by US Dept of Ed - XXXX, which was the loan servicer that no longer exists. 

This makes no sense because it is showing as current the month before and after.
Consumer complaint received 2017-10-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

XXXX XXXX is not licensed to do business in the state of Virginia.
Under Virginia law, no loan is valid if more than 12 % APR interest is charged unless it meets a specific statutory exception to the 12 % cap.
Licensed Virginia consumer finance companies may charge m ore
than 12 % interest but NO internet lenders are licensed as a consumer finance company in Virginia. 

Internet installment loans dont meet any of the exceptions in the statutes so they are null and void if they charge more than 12 % APR. If a lender who is not exempt from the Consumer Finance Act and has not obtained a Consumer Finance license makes a loan for more than 12 % APR, the loan is null and void and the lender is not entitled to collect any principal, interest or charge whatsoever on the loan. 

Given this information and the outstanding fees I have paid in interest, this account should be closed, marked as paid and removed from my credit report. 

Additionally, XXXX XXXX XXXX XXXX, should stop leaving voice mails on a shared mailbox regarding a " breach of contract '' with XXXX XXXX Immediately. They can be reached at : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX : ( XXXX ) XXXX Fax : ( XXXX ) XXXX
Consumer complaint received 2017-11-01
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. (MN)

Over the last hour I attempted 5 times to put a freeze on my credit at Experian.com, each time after putting in my credit card information I was directed to a page saying " Your session has expired. Please return to the Registration page to add a security freeze to your report ''. My typing speed is over 100wpm so this is not an issue with timing out. Cookies are fully enabled, etc. 
This entire ordeal is frustrating enough, nor should we have to pay to disable these, but to have functionality disabled and time being additionally wasted like this is infuriating.
Consumer complaint received 2017-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

The CRA reporting agency continues to report this debt incorrectly. I do n't believe they are actually investigating this debt. 

I filed a CFPB compliant against XXXX who is showing as the creditor for XXXX XXXX XXXX. Per compliant number XXXX, XXXX advised they do not show any account in my name with them. Yet, this continues to report on my credit report. 

In addition, XXXX XXXX XXXX does have a surety bond, which is required under the Texas Finance Code ( Texas Surety bond information as required by Sec. 392.101. ). They have yet to produce that they are actually licensed and/or legally able to collect in the state of Texas. This is a violation of the Texas Finance Code and a violation of my right as a resident of the state of Texas. 

FCRA section 609 states, Credit Reporting Agencies ( Credit Bureaus ) must provide a copy of the verifiable original creditor documentation. Equifax nor this company has ever provided proof of my original application. They provide insufficient documents which I did not request nor satisfies this request of the FCRA code. Page 7 ( 2 ) Verification ( B ) of the information in the consumer 's application for the credit or insurance, to  determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. No one has provided me a copy of the original application to report this debt or even validate it. Equifax continues to state it has been verified. Yet, how can they verify something they themselves do not have in their file for me.
Consumer complaint received 2017-11-01
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. (AR)

I have written Experian on two separate occasions requesting them to send me physical proof -- signed contract with my signature on it pursuant FCRA section XXXX, to verify that tbe negative items listed on my credit file are indeed mine. Despite TWO written request, Experian has yet to send me proof, has also stated they will not look at my file again, and the negative information remains on my credit file. I did not send in a dispute, I sent in a request to them exercising my right as a consumer pursuant FCRA for them to disclose this information. Experian has been negligent and non compliant which is violating the law and my rights as a consumer. It has been two months and the negative items remain on my credit file without any physical verification, which is in violation of federal law, and which derms Experian as negligent and non-compliant. Experian feels they are above the law and are not complying with the law which is very clear
Consumer complaint received 2017-10-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (WI)

I closed my account with XXXX and paid my account in full. They never explained or let me know about any equipment I needed to return. I also bought my own router too, I thought I did n't need to return anything since they never mention it. I 'm not sure what is the equipment they are charging me for, and why in the whole would they sent this account to a collection agency if it had been only 3 weeks, no 3 months, but 3 weeks since I closed my account. What is this? A pay back because I closed my account with them? I am in the process of buying a house, the least thing I want right now is some account collection showing on my credit report.
Consumer complaint received 2017-10-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Michael Wayne Investment (VA)

I had a loan with XXXX XXXX Investment XXXX XXXX XXXX XXXX in XXXX however was unable to continue to fulfill making the payments and returned the vehicle which I was advised by the salesman during purchase that would be perfectly fine. I was then garnished for the first time in XXXX however never received any notification from VA XXXX XXXX XXXX as I reside in XXXX, VA. I never received any information about the debt or even that the vehicle was auctioned which is standard process. I did not know what happened as I never received any information or phone contact. This is illegal as I should have been given the opportunity to go to court when this was a warrant in debt. I believe this company purposely did not send me any information so I would not come to court and unable to argue the debt. I feel forced into this accepting the garnishment or debt because I was not given the right to a court date. I have advised the company I am unable to afford this debt as a single mother and I also feel they are personally attacking me as they continue to begin the garnishment process during my birthday month of XXXX and prior to the holidays. I paid {$350.00} per paycheck in this garnishment as I was garnished twice last year and the amount showed I owed $ XXXX in XXXX now it is {$14000.00} in XXXX after paying payments in the garnishment. The company is very corrupted and what they are doing to people is illegal. It should be illegal to charge anyone these amounts of interest. I believe I paid this car off as the car was worth {$3000.00} yet on the lot for {$10000.00} however I paid a year worth of payments at {$380.00} paid into a garnishment last year and they have begun another garnishment. I am at the point of losing everything because of this company and I do not understand how this is even legal. They broke fdcpa laws and many other regulations yet they are allowed to continue to do this to people.
Consumer complaint received 2017-10-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (MA)

I got a loan from santander bank and between them and the dealer where the car was purchased a better way is the name of the dealer ship. They gave me a loan I can not afford I bring home XXXX a week and my car payment is XXXX a month. I live in XXXX and the car dealership is in XXXX The dealership had us there for several hours had us put insurance on the car before they said what the loan amount would be even though I asked what the payment would be the salesman said I do not know you have to ask the finance department. I know that santander has already had to pay a class action lawsuit against them for the same thing.
Consumer complaint received 2017-10-31
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: JPMORGAN CHASE & CO. (GA)

This company kept on calling my phone line ( automated ) saying this is not to collect payment but is to lower my interest. And that they have been trying to reach me to lower my interest rate. I do n't have a credit card but XXXX  credit card. This company has been calling me using so many different numbers that i kept blocking. This is the last number they called me on today XXXX.
Consumer complaint received 2017-10-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (FL)

A company called Source Receivables is not providing me with the supporting documentation I am requesting to back up their claim. On XXXX XXXX, XXXX, I received response letters from their company but they did not provide sufficient legal validation of the debt they are referencing. They are reporting that I have an unpaid debt with them of {$840.00} but I have never done business with them and I have yet to receive any paperwork showing that I signed, and agreed to pay their company directly. The account number on my credit is : " XXXX ''. I sent the attached response to them on XXXX XXXX, XXXX via certified mail which I also have the receipts for and will be attaching as evidence. To this date, I have not received a proper response to my claim. This is not the only issue I am facing. This is the second company to pursue me for this same exact debt in less than a year 's time. There is another company called " XXXX XXXX '' who is also claiming to collect on behalf of the same creditor for this same exact amount, {$840.00}. I am attaching a screenshot from a recent report which shows the name of this second collection company who is also trying to pursue me for this debt. Their account number is # XXXX. HOW can there be two collection companies trying to collect for the same debt on my credit? How can this be possible? I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this companies like this. Source Receivables has a 100 % negative review rating and several consumer complaints listed on the Better Business Bureau 's website. The other collection company has even worse reviews. In addition, the Better Business Bureau website lists Source Receivables as a company based in XXXX, North Carolina. I have never lived in North Carolina in my life. I will not give my money to any company I do not recognize and can not provide me with paperwork showing that I signed and agreed to pay them directly. I also do not feel comfortable having two collection companies who have my address and other possible personal information out there that I have not authorized them to have.
Consumer complaint received 2017-10-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (IL)

XXXX XXXX Received notification from SouthwestCredit, XXXX XXXX XXXX, Suite XXXX, XXXX, TX XXXX for collection of an alleged debt {$93.00} from XXXX for an account number that is unknown to me. In XXXX XXXX received notification from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX for collection of an alleged debt in the amount of, you guessed it, {$93.00} from XXXX for a different account number that is unknown to me. In both cases, I have contacted XXXX XXXX and have been advised that all accounts associated with my name are in good standing and that they have not placed the debt for collection. I have sent letters disputing debt and citing violation of Fair Credit Reporting Act. I am fed up with this! I ca n't even count the number of telephone calls we have received from " debt collectors '' and " credit card services ''. I have complained, and complained, and complained!
Consumer complaint received 2017-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo has allowed my account to be over drawn when I reported fraudulat charges. There were 2 checks that were mobile depositsted into my account whom ever commuted this fraud had a fake United States treasury check and deposited via mobile banking. My husband and myself have never used this type of banking we only have our employer direct deposit and also if it tax time the state and federal taxa are electronicly deposited. When I noticed this I reported it right away. Wells fargo told me that I have to eat the charges because only I could do mobile deposit from my phone and Noone else could. This is not true and here my husband and myself are are in hole in the amount of XXXX and we ca n't pay our bills cause we got paid the same day this happened and which was the XX/XX/17 and it is all gone. Wells fargo says all they can do is lost stole. Account info and we have to pay them back.
Consumer complaint received 2017-10-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Dream Center Education Holdings (NV)

I graduated with my Bachelors from the XXXX XXXX this past XXXX and I currently owe the school directly {$7000.00}, for my last quarter. They will not release my official transcripts until this is paid in full and I am trying to further my education by applying to grad schools but ca n't do so unless I have my official transcripts. I have had a payment plan set up with the school since I have started and XXXX continue to make on time payments to pay this balance I have never been late. They are n't willing to work with me on releasing my official transcripts.
Consumer complaint received 2024-10-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TD BANK US HOLDING COMPANY (AL)

TDRC/YARDCARD {$3200.00} In XXXX I started having problems paying my bill with this company. 
XX/XX/year>XXXX  I made a payment to this company XX/XX/year>XXXX  I tried to pay my bill and it didn't allow me to... I tried calling the company but wasn't able to reach anyone. Due to me not being able to pay it hit my credit as late and caused my score to drop tremendously. I begin to research the company online and was enlightened that the company recently plea guilty in money laundering.
Consumer complaint received 2017-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (LA)

I recently was put on as an authorized user for Synchrony Bank/Care Credit. I am not the owner of the account my significant other is. I did not give them my social security number. When I went online with XXXX XXXX I noticed that they informed me that my debt to income ratio was high. After looking into this I found out that Synchrony Bank is reporting this on MY credit bureaus. It has a note with it that I am the authorized user. But it is still affecting me. When I called them they said this is how they do it and refused to take it off. I filed a dispute with XXXX XXXX and they removed it. However I do not know how to file a complaint with XXXX or XXXX. I do not feel like I should have to do anything since XXXX is the problem. Remember I am not the owner of the account. And how did they get my Social Security number? I thought this was illegal if there is no application for credit. Please help me.
Consumer complaint received 2017-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

Hello, I am working to fix my credit scored but Navient has marked my credit by stating that I have multiple late payments. There are TEN ( 10 ) student loan accounts open and each account has 9 missed payments. That has caused a total of 90 missed payments on my credit score ( a majority in XXXX and several other months missing information ) which is preventing me from purchasing a home or, more importantly, fix my credit. I am XXXX years old, trying to build my life. Taking the problem one step further : the student loans I have is for the University of XXXX which has closed all of its campuses in the XXXX XXXX. At first, I was attending the XXXX, CA campus ; it closed down. I was moved to XXXX, CA and XXXX XXXX, CA ; also closed down the campuses. I was then moved to XXXX, CA which also closed down the campus. I was forced to take online classes which dramatically increased the cost of all of my classes. I did not sign up for online classes when I first registered for this school, yet I was forced to do them because of all of the campuses being shut down. 

Not only is Navient hurting my credit significantly, but I am also stuck in paying a large amount of money for a school that kept closing its doors and sticking me with more expensive classes. 

Below is how my credit is listing the Student Loans : " There are 90 late or missed payments on your report. 
Payment history is important because it helps lenders gauge how likely you are to pay on time in the future. '' STUDENT LOANS XXXX XXXX XXXX/navient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXX/navient - XXXX} XXXX Missed Currently on-time XXXX XXXX XXXXnavient - XXXX} XXXX Missed Currently on-time XXXX XXXX XXXX/navient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXXXXXX/navient - XXXX} XXXX Missed Currently on-time XXXX XXXX XXXX/navient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXXnavient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXXnavient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXX/navient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXX/navient - XXXX} XXXX Missed Currently on-time STUDENT LOANS XXXX I hope that there is something that can be done for this unfair treatment. This school is a trap and Navient has only put me in debt for the rest of my life. 

I thank you again for the time you have spent reading this correspondence. 

-XXXX
Consumer complaint received 2017-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (VA)

On the XXXX of XX/XX/XXXX I attempted to close a real estate transaction at XXXX XXXX ( XXXX ) of XXXX VA. The transaction involved two lots ( tax map numbers ) and it was brought to my attention by the previous owner at closing that XXXX XXXX had forgotten to include one of the lots. The loan in question was correct as was the paperwork accompanying it, listing the two parcels in the sale on one loan. The originally quoted escrow and monthly payment were not correct due to the errors on behalf of XXXX title, the closing documents and calculations were prepared by XXXX XXXX, a representative of XXXX XXXX. After closing we were contacted by XXXX and advised of this error on their part as well as advised that the previously quoted amounts were incorrect and would be considerably higher due to their mistakes. After the first taxable period passed I was contacted by XXXX County representatives advising me the taxes had not been paid on one of the parcels. I contacted XXXX XXXX as well as Arvest mortgage multiple times to attempt to correct the problem. After speaking with both at length, I was advised the problem was corrected. Today, XX/XX/XXXX, I was contacted again by XXXX County advising me the taxes on the 2nd parcel had not been paid since the date of purchase and due to this, had accrued large penalty fees as well as interest fees at each billing cycle. Two years into this real estate transaction a large portion of the paperwork remains incorrect. I contacted Arvest Mortgage and advised them of the delinquency notices, they state the deed they received from XXXX XXXX only lists one parcel and are collecting and paying escrow based off the information received from XXXX XXXX. They only list one parcel and have not received any corrected information from XXXX XXXX since the date of the transaction. There is currently {$570.00} listed in delinquent penalties and interest due to paperwork errors on XXXX XXXX 's behalf but in my name as well as {$3200.00} owed in unpaid taxes totaling {$4100.00}. After my initial inquiry with XXXX XXXX as well as XXXX County I am under the impression they ( XXXX XXXX, XXXX VA ) are incapable of correcting their mistakes at my personal expense. I was advised by my loan officer on this transaction to file a complaint with the consumer financial protection bureau after multiple attempts contacting them to correct the problem.