davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-18
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 was able to verify to XXXX that i was XXXX during the dates that accounts were opened. And they removed them from my report. Equifax will not let me log in to direct dispute the accounts in collection. Im assuming this is because of the identity theft.
Consumer complaint received 2017-10-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (TX)

WESTLAKE contacted me about a payment arrangement I which they were not I favor of but during my contact, I told them I contacted couple of dealership in favor of a trade in. The very next day they went and put the vihicle as a repossession at the credit bureau. I did not know until one of the dealers showed to me. First, so if you put it up for repossession why am I getting extremely upsetting calls with threatening tactics even after XXXX XXXX. I refuse to talk with them. I have consulted a bankruptcy attorney to proceed with court case. They are listed at XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX and TH all came at XXXX they need to Tran their people better in the laws of collection. The vihicle has two recalls and a front end issue that I was trying to resolved before my next payment was due, since the cost was {$1500.00} dollars or greater. They need to have a person to speak with for issues like this not some collection person who think they can anything that is very threatening to the consumer. Phone call received from number XXXX XXXX XXXX XXXX XXXX at XXXX central time.
Consumer complaint received 2017-10-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ZARVAD III S.A. (CA)

Mypaydayloan.com initiated a loan application without my knowledge, granted and processed a loan without my consent and approval. 

On Saturday, XXXX @ XXXXXXXX XXXX, I received an email stating that my loan application for a {$500.00} payday loan was pre-approved. On the same day at XXXXXXXX XXXX, received another email stating that in order to process my application, I need to verify my email address. Another email at XXXXXXXX XXXX was received with the same message, i.e. asking me to confirm my email so they can process the so-called application. 

On Sunday, XXXX at XXXX4 XXXX, I received another email stating that my loan for {$500.00} was approved. Please take note that I never responded to their emails received the day before. How can they approve an application when ( 1 ) I did n't apply and ( 2 ) I did n't confirm my email address like they wanted me to do! 

On Monday, XXXX at XXXX XXXX I received another email stating that my payment is due on XXXX and that I need to log in and submit a payment request. This email is what prompted to check my bank account and lo and behold, there is a {$500.00} credited to my account from mypd (  that 's how it appears on my bank account ). Again, I did not apply for this loan nor did I sign any paperworks electronically. 

On Monday, XXXX around XXXXXXXX XXXX, I called them at XXXX and spoke to a gentleman named XXXX XXXX ( with a very strong accent ). I asked why I have a loan that I did n't apply for and how they processed it without my consent. At that time, he offered to process a reversal of the credit via a payment request. He advised me that {$500.00} will be debited from my account on XXXX. I asked again how did this happen to begin with and all he told me is that I need to be careful putting my information online. 

That last statement led me to believe that they somehow manage to steal my personal information including my email address, bank account information, SSN etc. and processed a loan on my behalf and without my consent. 

I need these scammers to be prosecuted for stealing my personal information. 

I very much appreciate immediate attention to this matter.
Consumer complaint received 2017-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (CA)

I notice my address listed on my credit report is incorrect because I have never lived there. I called the credit reporting company and was informed that the address was reported by XXXX XXXX XXXX XXXX, which is by XXXX XXXX. 
I contacted XXXX XXXXXXXX XXXX XXXX Live chat and talked to XXXX XXXX on XX/XX/17, and he promised the incorrect address will be removed from my credit report within 30 days. I follow up with my credit report on XX/XX/17 and the incorrect address is still there. I contacted XXXX XXXXXXXX XXXX XXXXXXXX again and was transferred to XXXXXXXX XXXX XXXX Account Manager, XXXX ( ID # XXXX ), and she could n't promise she would solve this issue. XXXX transferred my call to another Account Manager, XXXX ( ID # XXXX ), and she said my complaint was childish and she could n't promise she would solve this issue. XXXX transferred my call to XXXX XXXX 's voicemail so I left a message and asked him to call me back. He never call me back to address this issue. XXXX XXXX XXXX customer service is very poor. Their managers do not listen to the complaint, can not provide solutions, and are not professional. Instead, their managers are rude, argumentative, and just pass the problem to the next person. 
Per the Account Managers, XXXXXXXX XXXX report the incorrect address to my credit report even though the address was not update nor provide by me. XXXXXXXX XXXX can not prove this is not a clerical error and refuses to contact the credit report companies to admit the mistake so the incorrect address can be totally erase from my credit record.
Consumer complaint received 2016-10-11
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AK)

On XXXX XXXX, 2016 I did a Money Gram transfer through Walmart on XXXX in the amount of {$550.00} with a service fee of {$11.00} for the purchase of a XXXX puppy from XXXX online and XXXX. Their contact Phone : XXXX XXXX XXXX XXXX and email address : XXXXXXXXXXXX. The money gram was sent out at XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX He picked up the money gram the same day at XXXX. He said he was getting ready to ship the puppy but requested a fee to rent a kennel in the amount of {$700.00} in which we were told it was refundable once he receives the kennel back. Another money gram was sent on XXXX XXXX, 2016 at XXXX through Walmart XXXX XXXX XXXX the amount of {$690.00} with a service fee of {$11.00}. This money gram was sent to XXXX XXXX XXXX in XXXX XXXX and received the same day at XXXX. We were told they were shipping the puppy and it should be arriving today. They called back to ask if we looked at the email and that they needed another {$1300.00} for life insurance on the puppy. At this point we know it 's a scam and we have n't received the dog as of yet. No information on air carrier, or flight information that the puppy is being shipped on. I have contacted the company and left an email and phone message and still have not received a call back. I also contacted Money Gram in which it makes me wonder if they are a part of this scam as I talk to them they end up hanging up the phone on me. The numbers that we contacted were XXXX XXXX XXXX XXXX, ( XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. All these numbers when you contact them have a foreign person speaking and will hang up on you once you get into asking questions. I ca n't believe people can sleep at night doing stuff like this but I will not let this happen to someone else. I can be reached by cell at XXXX XXXX XXXX XXXX for any questions or concerns. Thank you!!
Consumer complaint received 2017-10-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Commercial Recovery Systems (TX)

XX/XX/2017 Phone call transcript. 
Called from XXXX Hey not bad. 

Yes file services notice for XXXX XXXX -- XXXX XXXX this is the Office of XXXX XXXX XXXX calling -- again I was asked to contact you in regards to a complaint we received with allegations attached we need to get a formal response from you -- this to be in the office today until XXXX XXXX -- at that time are gon na submit this back to the client the client is going to requested to be scheduled for hearing -- had a verification of employment paperwork will be issued out for your signature -- if you have any questions or concerns would like to submit a formal response or take advantage of mediation services my office provides I XXXX 's he 'll be your last chance to respond to this matter through my office -- contact ( XXXX ) XXXX -- S to speak with XXXX at XXXX
Consumer complaint received 2017-10-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (CA)

I have a collection item in my credit report that is a total surprise to me : XXXX XXXX XXXX for {$500.00} - Joint account I never opened an account with anyone for it. I do use XXXX service but it is prepaid service, I pay {$100.00} or {$50.00} whenever my balance is low. I never received any bill from XXXX in the past and now this account is in collection. And until now I 've never received any phone calls or mails in their attempt to collect this debt I do n't owe. 

How can I contact XXXX ( no phone or address ) or collector XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX no phone number to contact )? 

What is the most effective way to find out what happened? 

Thanks so much, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Go Capital Holdings, LLC (MS)

I got a car with a loan from GoFinancial in 2016 for about 16,000 roughly, and ended up surrendering the car a few months later because the transmission was going out. It seemed smooth, I signed a document that said I would n't pay anything if it sold for less than what I owed at the auction and that I would get money if someone bought it for more than I had left to pay. Thought it was all good an clear then I look on my credit report and its on both and its also on my husbands saying we owed 5,000 roughly so I call GoFinancial with the paper I had signed and they are telling me its invalid and they cant help me, so then I try to report a dispute with both of the credit bureaus and they do nothing as well. So finally I had no other way to turn so I go on our base and go to legal and thank god they are taking care of it for me and we are finally going to have this off for good this time.
Consumer complaint received 2017-10-18
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. (TX)

I disputed several incorrect and inaccurately reported items on my credit report by sending this credit repository a letter last XXXX XXXX, XXXXOne of the disputed items is Bankruptcy : XXXX XXXX ref # XXXXwhich according to the court has been dismissed last XXXX XXXX. This proves that no investigation was done by this company and that their records are outdated. The other items I disputed are listed in the attached files. These are copies of the letters I sent them last XXXX XXXX, XXXX and the letter I am sending them today. Inaccurate and incorrect information such as account opened date, payment history, highest balance, status, closed date etc. are still reporting and violation FCRA, FDCPA and the bankruptcy law.
Consumer complaint received 2017-10-18
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. (VT)

I checked My Credit report on Equifax and seen a XXXX credit reported filed there..This XXXX has tried several times to report a fake report saying I owed this XXXX and They had been report to Vermont consumer affairs and was told they could n't do that and I had Disputed This XXXX Account several times even with XXXX..Now XXXX had XXXX XXXX XXXX file on Equifax I was never contact by this XXXX XXXX XXXX so i could dispute it with them..So I Filed a Dispute with Equifax and All I got from them is the had contacted them and I am not able to get on Equifax site to follow up with them or contact them or  such..XXXX  tried to add or change My Account so they could charge me more and I paid My last account and they tried to bill me more and I canceled My account with them and they was reported..I am not still able to get on Equifax site to follow up with them and Add anything to the Dispute and they have not done nothing to rectify this situation..I have still tried to get on the Dispute Site to check and file and its been over 30 days..I do not even have the account number to this Account or papers on it no more because this was back in 2014 and thought they was gon na grow up..This is the dispute file number they had giving me..XXXX
Consumer complaint received 2016-10-12
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (PA)

My mom had an mortgage with Ocwen and she passed away in 2005. They told us that we were n't aloud back in the house and they would not let us know anything about the account. But they did a loan modification with my brother and they took his checks which they had cashed the same checks four or five times. They recently hit us with foreclosure papers. They charged us XXXX in interest. I applied for a loan modification in my name and they denied me. The loan was for XXXX in the beginning. But now they are saying that i need a total of XXXX. Every time I talk to someone they keep telling me that the documents they had me sign, they never got them. And I have to resend them over and over. The same thing happens when I call they keep giving me different answers to my questions. I can never get a straight answer from anyone.
Consumer complaint received 2017-10-18
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 — Was not notified of investigation status or results
Company: ALLY FINANCIAL INC. (MI)

On XXXX XXXX XXXX XXXX was hired by me to dispute a charge off with ally financial on my XXXX report. It is not almost 60 days later and no response to the letter requesting that debt be removed. It is not mine it is my ex husbands debt XXXX and XXXX have removed it easily. 
XXXX XXXX stayed both experian and ally financial were contacted and still not response. I have found ally financial to have handled the entire situation fraudently as the way it is reported is incorrect as well, they have not validated the debt despite repeated attempts. 
Anyhow the debt is required to be removed by experian according to FCRA due to ally ignoring the investigation and it still has not been done. 
My right to buy a home is altered by this company lack of efficiency with handling the matter as the continued disregard to remove keeps going on. Ally did not respond so remove it!! 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX mi XXXX XXXX
Consumer complaint received 2016-10-11
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (FL)

On XXXX XXXX, 2016, a charge appeared on my credit card bill from XXXX XXXX for {$100.00}. This was for a medical facility that made me swipe my card and sign a receipt BEFORE I saw a doctor. Unfortunately, I never did see the doctor. The facility assured me they would tear the receipt up, and it would not post to my account. The charge did post to my account, and I immediately disputed it. Citicards sent me a letter saying a credit would be issued to me, and the matter would be closed. A month later, Citicards put that charge back on my account, and I have been fighting with them ever since. This is not a valid charge, and I want them to remove it. Citicards has no right to tell me I must pay a charge that is invalid. If XXXX XXXX feels I should pay the charge, then they can take me to Court. Citicards is violating my rights.
Consumer complaint received 2017-10-18
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. (IN)

I have asked equifax several times to remove hard inquires that do not belong to me and they refuse. The ones that do n't belong to me are XXXX XXXX XXXX and XXXX XXXX XXXX XXXX dated XXXX17 and XXXX XXXX dated XXXX/17.
Consumer complaint received 2017-10-18
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. (MA)

On XXXX I received my statement with an amount due of {$200.00} due by XXXX. I made the payment as I usually do on XXXX believing that my loan payment was accurate and on time as usual. However dated XXXX two days prior to my planned and scheduled payment I was sent a change in payment schedule notice that was unclear. It did not clearly indicate the reason for the change, the difference in the increase amount, or that the change was being applied mid billing cycle. I simply assumed the change would apply next cycle and that it was a small increment increase or a change in the number of payments. 

I was shocked when I logged into Navient on XXXX to schedule my XXXX payment and saw that I had been assessed late fees on three loans and that the total monthly payment amount on my loans was now almost triple what it had been. After an immediate reaction of panic I attempted to find an answer through the website, but it was not helpful and I got error messages more than once forcing me to log back in or refresh the screen. I did send two emails through the email link and was sent an automated message that my email would be reviewed. I also looked at my XXXX statement and realized that it did list that I was past due and my payment due had jumped from a barely manageable {$200.00} to an impossible {$640.00} and that was just on some of my loans, not all of them. I do not usually look at the statement in depth, especially e-statements, because I log in to the website around the same time each month to make my payment as planned. I just like to have them saved for my records. 

Now I am really concerned because I was under the impression that I was on a long-term repayment plan with the potential for forgiveness if I made all my payments. With this sudden mid-cycle change by Navient I am concerned that not only is my credit bureau being impacted, but my eligibility for this much needed forgiveness program is in jeopardy or lost all together. It is completely impossible for me to make the drastically higher payment to become current again.
Consumer complaint received 2016-04-05
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (ID)

I have been trying to work out a loan modification with US BANK since 2012, with relationship managers XXXX XXXX and now XXXX XXXX have talked to them once a month without success.Today, totally unannounced, I received a XXXX ( XXXX ) page lawsuit against me from a XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ( XXXX ) XXXX, XXXXXXXXXXXX notifying me that I have 20 days after the service of this summons to make an appropriate written response in District Court, requiring compliance with Rule 10 ( a ) ( 1 ) and other Idaho Rules of Civil Procedure.I can not afford an expensive attorney to respond and in reading the complaint, it is really a legal fight between US BANK and XXXX XXXX XXXX and XXXX to decide who is in the first priority on my property which has been my home for the last 27 YEARS and who is the XXXX priority.I do n't care ; let them fight it out.Why am I involved? Why is XXXX, who handled my refinance and Deeds of Reconveyances not named? I have successfully worked out a modification with XXXX on my XXXX Deed of Trust and hoping to do the same with US BANK. 
Thank you for your assistance, XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2017-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I deposited {$210.00} cash in the ATM at the US Bank XXXX branch in XXXX XXXX. The machine had an error and was unable to process my deposit and printed an error receipt. Calling customer service and the branch was useless. The branch would redirect me to the XXXX ( XXXX ) which would tell me to call the branch. They are telling me 10 business days until I can access my funds. How can they take my money? I am overdrafted and bills are now past due. I 'm being charged late fees from my creditors and this negatively affects my credit score.
Consumer complaint received 2017-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

CFPB NO : XXXX Violation of federal laws and refusal to require business to provide proof the customer is liable for the amount charged and failure to require business to provide proof the customer authorized the charges be placed on the credit card. 
I have repeatedly requested in telephone conversations and in writing for Capital One to provide proof from XXXX XXXX XXXX XXXX XXXX showing in writing I agreed to pay or am liable for the charges placed on my credit card for : XXXX XXXX XXXX XXXX, and XXXX XXXX. As of XXXX XXXX, XXXX not XXXX item has been provided by XXXX XXXX XXXX XXXX XXXX for any of the charges above. I have repeatedly requested in telephone conversations and in writing for Capital One to provide proof from XXXX XXXX XXXX XXXX XXXX showing in writing I agreed to allow all of the above charges to be placed on my Capital One credit card. As of XXXX XXXX, XXXX XXXX item has been provided by XXXX XXXX XXXX XXXX XXXX that I authorized XXXX XXXX XXXX XXXX XXXX to use my credit card. Capital One has required me to pay the charges under threat of late fees, interest, etc. if I dont pay the charges on time. I have tried to put the charges in dispute. I have been successful with a few of the charges being placed in dispute. However, Capital One has required me to pay XXXX that I dont owe and have never agreed to pay to XXXX XXXX XXXX XXXX XXXX rather than put these charges in dispute. Capital One insists I pay another XXXX that I dont owe XXXX XXXX XXXX XXXX XXXX. Capital One has never required XXXX XXXX XXXX XXXX XXXXXXXX to provide any documented proof the charges are legitimate and authorized by me. I believe it is a violation of federal law for a business to hold a customer liable for payment without the customers agreement to pay. I have never agreed to pay any of the above charges to XXXX XXXX XXXX XXXX XXXX. I believe it is a violation of federal law for a business to place unauthorized charges on a customers credit card. I have never given XXXX XXXX XXXX XXXX XXXX permission to place any of the above charges on my Capital One credit card. I have never seen a single sheet of paper pertaining to any of the above charges on my Capital One credit card by XXXX XXXX XXXX XXXX XXXX. Capital One has used unrecognizable photos as proof to require me to pay the charges.