davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CNG FINANCIAL CORPORATION (IL)

I applied for a loan and was approved. After verifying my information and checking my credit etc. I was told on the phone that the process was complete and I should be receiving my money soon, I also received an email right after that indicating that the money was sent and should be in my account within a day or two. This was FridayXX/XX/XXXX.
By Tuesday XX/XX/XXXXI still had n't received the money and when I logged into my account there was no indication I had ever even applied for a loan, so I called their number to talk to someone to figure out what was going on since I was planning on having that money and it had n't shown up ... The phone call with the customer rep lasted about 30 seconds after which I was told there was no loan that was approved, they did n't know why I would have gotten that e-mail indicating funds were sent, and then she hung up on me. After looking into the company more I see this is a common occurring theme with them, they approve your loan ( while running your credit, collecting sensitive information, etc. ) and then completely ignore you when you follow up on it. At this point my checking account is now negative because I received confirmation that the loan funds were sent and they never showed. I would advise everyone to stay away from this company because you 'll only make your situation worse. To take advantage of people who are already facing financial hardship is appalling. I 'm also worried they will still take out the loan repayment now, because it seems like how they make their money is preying on people who ca n't afford to fight back. Attached are copies of the confirmation I was being sent funds and that it was finalized ( it literally says " they 're on the way '' ), the overdrafts in my checking account from bills scheduled I was planning on being able to pay ( and there will probably be more, because of them ), and the view of my account when I sign in showing absolutely nothing other than an " APPLY FOR A LOAN '' button.
Consumer complaint received 2017-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (MD)

DO NOT CLOSE THIS COMPLAINT XXXX IT IS NOT COMPLETED AT ALL NOTHING HAS BEEN RESOLVED THE LETTER THAT WAS WRITTEN ON XX/XX/XXXX IS NOT ACCURATE AT ALL THEY ARE LIARS AND I AM TIRED OF IT I AM SO ANGRY AT THIS NONSENSE WELLS FARGO DID NOT FOLLOW THEIR PROTOCOL AND PROCEDURES IN ADDRESSING A CLAIM AND THEY ARE TURNING THE FACTS AROUND AND BLAMING IT ON ME AND TRYING TO JUSTIFY WHAT THEY DID TO ME NO THIS HAS TO BE RESOLVED HONESTLY WITH OPEN COMMUNICATION I STILL TO THIS DAY HAVE NEVER RECEIVED A LETTER STATING MY CLAIM WAS DENIED AND HAVE NEVER RECEIVED THE RESPONSE FROM THE DENTIST MY ACCOUNT WAS DEBITED THE MONEY PLACING IT OVER DRAWN LEAVING ME IN POVERTY NOW THEY CREDIT THE MONEY BACK TEMPORARILY WHAT IS THAT SUPPOSE TO MEAN -SO YOU ARE GOING TO TAKE IT AGAIN WITH OUT NOTIFYING ME? 

I NEED THE LETTER STATING THE OUTCOME OF MY CLAIM AND YOUR POLICY ON HANDLING CLAIMS NOT THE VISA POLICY THAT IS NOT WHAT YOU FOLLOW, REGARDLESS I AM SUPPOSE TO GET COMMUNICATION ON THIS AND NEVER DID. 

THIS DOES NOT SOLVE IT IT IS STILL OPEN DO NOT CLOSE MY COMPLAINT PLEASES
Consumer complaint received 2017-08-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P. (CA)

Every time I call XXXX XXXX XXXX for a current account, they always ask me how I want to take care of paying 2 old, time-barred accounts, for which I have notified them and demanded that they cease and desist trying to collect on time-barred debt. I have advised them that they are in violation of Federal Law when they try to collect on those accounts, but they keep asking me how I 'm going to pay for the accounts. They also sent me letters for the debt from Servicing companies who were trying to collect on the debt that was first delinquent in approximately XX/XX/2005.
Consumer complaint received 2017-08-22
Product: Credit card or prepaid card — Store credit 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 (CA)

I opened a Kohls Card and made one purchase on the date I opened it. I never received the card it was sent to XXXX XXXX XXXX, XXXX XXXX California, I reported this to Kohls, who said they would do an investigation and look at video and signatures. I received a letter with the account charges. None of the signatures match the original signature of the day of my first purchase. I just receive a letter dated X/XX/2017. Stating that an investigation was completed and no fraud was found. The signatures do not match, an I have not set foot in a Kohls store after my first purchase. I would like for this investigation to be completed thoroughly. Please look at the signatures! they are not mine they do not match the original when I opened the account.
Consumer complaint received 2017-08-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC (TN)

I have had three specific problems with an company called Rent Debt Automated Collections ( " RDAC '' ). First, they did not let me know about my option to dispute the debt. Second, after I made a payment, they refused to provide any payment confirmation, receipt, or even copy of the payment arrangement. Third, they provided my confidential information to my attorney without any information release or proof of identity. My debt with RDAC is based on an old rent balance at a apartment complex in XXXX, North Carolina called XXXX XXXX XXXX. I did not know about the balance or debt until I was applying for housing and it came up on my background check. I did not receive any court summons, notification of a judgment, or option to contest the debt once RDAC took possession. In order to resolve a current housing problem, I decided to try to set up a payment plan with RDAC. They stated the total amount was XXXX, and I gave them my bank account information to draft {$100.00} per month on the XXXX of every month. After the first payment was made, I called RDAC to  request a receipt or payment confirmation. They refused to provide that information. I asked why they would not give me any proof that I had made a payment, and they told me it was their company policy to never provide anything in writing. I asked if I could see a copy of the policy, but they declined to provide that as well. After I was unable to get any proof of payment or payment arrangement, I contact XXXX XXXX of XXXX XXXX. An attorney at XXXX XXXX, XXXX XXXX, contacted RDAC to find out more information. According to him, he provided them my name and Social Security number, and they spoke with him about my account details. When he asked for a receipt, payment confirmation, or account history, they declined to provide it. When he asked why they declined, they said it was because of company policy. Again according to XXXX XXXX, he then escalated the call to a manager. XXXX XXXX again requested a receipt, payment confirmation, or payment history, and was again advised it was against their policy to provide anything in writing, " Because we found that once we provide proof of one payment, people stop making payments. So our policy is that we never provide proof of anything until there is a {$0.00} balance. '' XXXX XXXX then found a customer login portal on RDAC 's website, and asked for my login information. They provided both a username and password without receiving any information release from me or proof of identity from XXXX XXXX, only my name and SSN. Once XXXX XXXX was able to log in, he was able to access a payment history which he printed and provided to me.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I 've had an unauthorized inquiry on my credit report for months now and Transunion is n't helping me to resolve the issue. I disputed the inquiry with Transunion twice. The first time was on XX/XX/XXXX and the second time, XX/XX/XXXX. I 've also called Transunion in XX/XX/XXXX concerning this prior to disputing in written form. Since I 've made it clear to Transunion that this inquiry was n't authorized by me, and they continue to fail in helping me, I 've reached out to you for assistance in removing it.
Consumer complaint received 2017-08-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (AR)

Comenity - Gander Credit Card Never received statement in XX/XX/XXXX.
The XX/XX/XXXXstatement has a late fee of {$27.00}, which I understand, since I never received a statement so the bill was unpaid. 3 times I have not received a statement from this company and I tried to set up auto pay, but was informed that they do n't set up accounts on auto pay.
The main problem was a interest charge of {$77.00}, in addition to the late fee, on a {$220.00} balance, making my new balance {$330.00}.
The statement clearly shows the interest rate on the {$220.00} balance as 25.99 % ( which is already very high ), however if you do the math the actual interest rate incurred is 33.79 %.
This company is posting one interest rate, but charge a larger interest rate. ( I guess they are hoping people ca n't do math and will just pay the higher rate. ) I have paid off the new balance of {$330.00}, so they ca n't continue to add bogus interest fees, however I should not have been charged this amount, so I am filing this complaint.
Comenity should not be allowed to continue charging interest rates different than the amount posted on their statements, which is clearly an legal practice.
Also, there should be some type of law on the books making illegal for them to intentionally withhold customer statement in the hopes that their customer will forget to make payment, so they can charge additional fees. They do n't send electronic statements and do n't allow their customer to be set up on auto payment. This makes customers more likely to forget to make payment, allowing them to charge late fees.
Consumer complaint received 2017-08-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I sent a certified letter to Equifax on XX/XX/XXXX and made a follow up call late XX/XX/XXXX and was told by representative the investigation would be complete by XX/XX/XXXX. I called in XX/XX/XXXXand another representative said it would be complete by the following week in XX/XX/XXXX. I pulled my credit the day the dispute was " suppose to be resolved by '' and the dispute for the account named " XXXX XXXX '' was still in dispute. I received no updated correspondance and after calling the representative had to manually remove the dispute because it was past 30 days. By law this account is to be removed immediately. IN addition to this I have sent multiple letters to have this account verified. I have no such account for said amount and there has been no paperwork sent to me for the said account verifying accuracy of details or amount. I am simply asking for this account to be deleted permanently due to the dispute being over 30 days and unverified data after multiple letters asking to remit said detailed account.
Consumer complaint received 2017-08-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (KS)

Company placed a collections on all three of my credit reports. I disputed the validity of this debt. I have never been notified of an outstanding debt. I did not and do not acknowledge this debt, they started over the 7 years after my claim was denied on XXXX and updated the other two credit bureaus as if this were a recent account. I have the credit reports from BEFORE I disputed and this was originally reported in 2013. Now I am receiving harrassing phone calls every day. I do not answer or communicate with them.
It says I owe {$1400.00} but the original debt is {$1100.00}? Hows that even legal?
Consumer complaint received 2017-08-22
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Contact : XXXX SSN : XXXX Company Complaint : XXXX XXXX XXXX XXXX Re : XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX  XXXX Account # XXXX This account is for a residence that I had planned to move into, once I signed the forms I went down to where my townhome was and realized I had just made the biggest mistake of my life. There were people outside smoking XXXX, and just not a comfortable situation for a single mother of XXXX. I walked right back up to the office, and explained they could cut up the contract because I would not be moving in. Well low and behold this is where we stand now. They never once tried to make contact with me letting me know that they would be charging me for anything, turned around and sold the information to XXXX. I spoke with XXXX sometime last year 2016 and was so frustrated I told them I would just pay something to have them stop harassing me. I spoke with a manager who in turn did stated to me that they would remove it from my credit due to the situation. I took their words for what they were and noticed this year when I sat and pulled my credit that the account is still there. I contacted the company last week and asked to speak with the supervisor who handled my account and find out why it was not deleted, and was told that they will not transfer me and that what the employee was telling me was all I was going to get.
Consumer complaint received 2017-08-22
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. (IL)

I was given a bad car loan at the age of XXXX to for above 21 % on a vehicle that was at the time 6 years old. My monthly payments were {$300.00} per month for the vehicle. I made payments on time for several years until I fell on hard times. The car was eventually repossessed in the year of 2013. The information on the credit report does not reflect what I actually paid on time for several years.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I was given a bad car loan at the age of XXXX to for above 21 % on a vehicle that was at the time 6 years old. My monthly payments were {$300.00} per month for the vehicle. I made payments on time for several years until I fell on hard times. The car was eventually repossessed in the year of 2013. The information on the credit report does not reflect what I actually paid on time for several years.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Well one student loans went into default do to the fact their were no jobs. That loan went to collections but because its a in house collection company but it is in collections I cant do anything to get removed off my credit file and its been 7+ years now ... .I have attempted to fix this problem about 3 times now and nothing .... I also have the proof in my credit file saying this loan is in house collection through your Company and that 's against the law ...
Consumer complaint received 2017-08-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: PENTAGON FEDERAL CREDIT UNION (WV)

We purchased a XXXX XXXX XXXX XXXX from XXXX XXXX and XXXX in XXXX, VA on XX/XX/XXXX. The agreed upon price for the vehicle was {$40000.00} plus tax and tag. We told them we were going to finance through our own bank. The sales person said they would be able to give us the same rate if not lower. When we got into finance we were told they were able to buy down our finance rate and actually beat our banks rate by approx. 1/2 a percent lower. He had us sign 2 different contracts with 2 different amounts on them. When we asked why 2 contracts and why they were different he said they needed to show the bank the buy down rate and that the figures were just for the bank. After we signed everything and got home we could n't figure out what all the extra money added onto the loan was for. I contacted the finance person and was told the charges were for extra and extended warranties. We told him we did n't ask for any of these items and none of them were ever discussed or agreed upon to for them to add to our loan. I told him to just void the entire contract and we would finance through our bank as we were going to do at first. He said they could n't do that because the loan was financed and money dispersed the same day we signed the loan. We told him we wanted all the extra charges removed and refunded back towards the loan. I asked where all our paperwork was ref. all the extra and extended warranties and the 2nd contract they had us sign were, because we did n't have any paperwork on any of the stuff he added onto the loan. They said they would XXXX them to me. We received copies for warranties with the finance persons signature on them but not our signatures. Each copy had RE-PRINT FOR CUSTOMER FILE on it. When we asked where our copies with our signature on them was he told us he lost them. They do n't have any copies because we did n't agree to any extra or extended warranties. We were told the 2nd contract had been destroyed. Bottom line is The dealership charged us approx. {$22000.00} in extra charges we did n't agree to. It has been a nightmare trying to get them to rectify this issue. I have called and left messages with everyone from the General manager, district manager, finance manager and sales rep.. They never return phone calls and do n't seem very interested in resolving this matter.
Consumer complaint received 2017-08-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC (WI)

In XXXX XXXX, I took out a {$3500.00} loan with RISE Credit online. I found out about this website from a mailing promotion that I received sometime before XXXX in XXXX. It said the interest rates were low, you could apply right away, and you could receive the money right away. The application and all emails from RISE Credit have been in XXXX, and XXXX is my first language. Payments were going to be about {$560.00} a month. On XXXX XXXX, a payment was made and I was happy to think the loan was paid off, especially because I had recently lost my job. I went online to see what I owed, and I had to create an account to get the information. I found out the balance was still {$3300.00}. I called RISE Credit to see why I still owed so much money. I was told by RISE Credit on the phone that I would pay about {$10000.00} in total for the loan. When you look at the account online, you can only see three payments right away under Account Overview. Also, under Payments, you only see payments due for four more months, so it seems like you only have four more months to pay. This is misleading and confusing. I did not receive any notice when I applied for this loan about what the interest rate would be and that it would be so high. I only found out some of this information when I opened an account online last month. The interest rate is not easy to find online, either. I thought it was 299 % because it has a page for loans in my state, which gives examples of the interest rate. When I had a legal aid lawyer help me look up the loan, she was able to find the Loan Agreement, but it was not easy to find in my account. I did make a payment on XXXX XXXX, but I had to have my bank put a stop on any payments for this loan. If I had seen the interest rate and total payments due, I would not have taken out this loan.
Consumer complaint received 2017-08-22
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. (OK)

I have tried to resolve a " debt '' that is supposedly mines with " National credit system '' I have been sending them letters to verify that I signed and owe them the alleged debt, however they still have not produced any information stating what debt I owe them. Now they have put this debt into collection on my personal credit and it is damaging my credit. I never gave them permission to run, use or verbal persmission to obtain my social security number and ever since they obtained my ssn I been going through a case of identify theft. I have been trying to communicate with this third party group since may timeframe giving them 30 days to resolve the issue. They have had the last 90 days to resolve this issue and since they ca n't comply with my request I am filing a complaint.
Consumer complaint received 2017-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (MA)

On XXXX XXXX I purchased a washer/drier from Sears using their card managed by CITI {$1400.00} My account cycle closed on XXXX XXXX with a due date of XXXX XXXX with a balance of {$1400.00} and min due of {$27.00} On XXXX XXXX I returned the original washer/drier and was credited {$1400.00} ( the entire balance due on the then current statement. On XXXX XXXX I also purchased a different washer drier on the Sears card for {$1400.00} on XXXX XXXX I received a call from CITI telling me to logon and review my account. I did that and saw that even though my return matching the entire balance of the last statement had been posted a late fee of {$27.00} had been added to my account. I immediately called the CITI number and reviewed what had happened with the representative who immediately credited the bogus late fee. At this point I had not even received the next statement. My account cycle closed XXXX XXXX with a due date of XXXX XXXX Last SUNDAY XXXX XXXX XXXX ) I received two phone calls from the CITI collections department claiming I had an overdue balance. I tried using their email system to get them to admit this was an error and I should not have received these collection calls. Their reply was that return credits mean nothing ( even though they wiped out the entire balance due ) and that the mim payment was still required even though I owed nothing from that bill. I will attach their last reply in the step that allows attachments.