davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Westlake Services, LLC (CA)

I received a title loan on XXXX XXXX XXXX from Wilshire consumer credit for XXXX under my pink slip of my XXXX XXXX XXXX I 've been making payments ever month for the last 3 years my interest rate was 165 percent then on XXXX I asked for lower interest could not make payment so they lower to 46 percent interest I paid over 6k for this XXXX title loan and still owe XXXX I want my title back.
Consumer complaint received 2019-02-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MD)

I have a XXXX card - Synchrony bank is the financial institution that is the holder of the payments - I have tried repeatedly to get a paper copy of my bill from Synchrony bank re : payments made to the XXXX   account. 

Just made a phone call to Synchrony bank to request a paper copy of the bill generated from their company to see what is owned on the XXXX account. Gave me the famous round about way all I owe is $ XXXX.and change. I asked the Customer Service rep to give me the FULL AMOUNT owed on this card. I paid off the Synchrony Bank account for XXXX in XX/XX/2019 - All I want is the bottom line of what I owe to this Bank and then be done with them - this bank is very difficult to deal with - the bank controls most of the finances connected with Clothing and furniture stores. All I want is the final balance and then b done. I have not ordered anything from XXXX for several months. I want to see for myself what I am being charged with.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2016-05-31
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc. (TX)

I purchased a computer through Conn 's utilizing Conn 's credit. I purchased on a Saturday and delivery of the device was made the following Tuesday. I opened up the device and called service because the device would n't connect to the Internet. They determined it was bad and sent me to the store for an exchange. I get home with my new device, and again wo n't connect to the Internet. This time I do n't call service, I just take it to the store. The store wo n't exchange or give me money back b/c we are outside their policy window. I go home and call service, service said to take it back to the store and get a new different computer. I get to the store and they ca n't find where service said that and make me send the computer off for fixing. I ca n't do my work for almost a month. The computer has n't worked at all from day one, and they wo n't give me my money back or a new computer bc I 'm outside their window, but it has n't worked since day 1!!!
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-05-21
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 (NH)

On XX/XX/2019 PayPal did a hard credit pull on my credit. This is the second time they have done this without my permission. Even after being contacted last time and asking for them to remove it.
Consumer complaint received 2019-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (OH)

I recently filed a report with XXXX, XXXX, and XXXX of inaccurate items being reported on my credit reports. XXXX  and XXXX removed the above mentioned item once an FTC Report and documents to verify my identity were sent. XXXX did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be force to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2018-07-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (LA)

To date we have paid over {$30000.00} to Navient for our private student loan which had an original balance of {$53000.00}. The current payoff balance to date is over {$59000.00}. For 5 plus years we have been making more than the minimum payment amount but they chose to apply the over payment to interest instead of to the principle. This would have drastically lowered our current balance. We would like to see if there are any actions we can take to. correct this.
Consumer complaint received 2019-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (ID)

I recently got a Chase Amazon credit card back in XXXX. On XX/XX/XXXX I realized that I still had not received ANY paper work including an invoice from Chase Amazon card services. I contacted them on XXXX. I spoke with a representative who apologized and deducted the {$25.00} late fee that was applied to my account. She informed me that my account was in good standing and that I should see my XXXX Statement soon with the payment being due on the XXXX of every month. 

On XX/XX/2019 I tried to make a purchase at a car service business and my card was declined. I called Chase Amazon Card Customer Service and spoke with the manager- XXXX XXXX She told me my card was declined due to non-payment. I explained to her that I had never received a statement or anything from them and could not make the payment until I did because it was a new account and I had never made a payment with them before. She basically told me Chase couldn't do anything about my Non-payment status and until the payment was received it would be declined. 

This is absurd, considering it is of no fault of my own that the payment was not received. I explained to her that if they had my correct address which they are confident they do, then I would have received my invoice just like I received my card initially. I don't feel like the non-payment status is my fault and I feel like I am being punished for their mistake. I am seriously considering closing this account and opening a new account with a better company. I am not happy.
Consumer complaint received 2018-01-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MN)

I have a XXXX XXXX credit card. On XXXX, my XXXX XXXX card was charged {$160.00} and {$98.00}. On XXXX, it was charged {$170.00} on four occasions. These charges totaled {$980.00}. I did not make these charges. XXXX XXXX  did not alert me to the fraud. All six charges appear to be at XXXX and for sunglasses. I feel their fraud department should have flagged these purchases. I had auto pay set up on my XXXX XXXX card, so a payment was deducted from my checking account on XXXX/XXXX/XXXX. I called XXXX XXXX immediately to dispute the charges. I also closed the account. They stated they could not refund my money until it was posted to their records on XXXX. I called back on XXXX to request the refund, 2 times, I was told it would take 3-5 days. On XXXX, the credit still had not posted to my checking account. I called again today, XXXX, and was now told it would be another 3-5 days to receive the credit. This person stated they can not even initiated a refund until my payment has been posted to their records for 5 days. That is too long. I asked what if I had not called back, no response. What if I really needed those funds, no response. Just appologies, but no offer to do anything more. My main complains are : 1. These purchases should have been flagged when they initially occurred. 2. When calling in there is no option to go to a fraud department. 3. The XXXX XXXX representatives are not adequately trained on XXXX XXXX credit card fraud policies and procedures. 4. Resolution is not speedy enough. Thank you for any help.
Consumer complaint received 2024-11-12
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (TN)

Filed complaint XXXX against Synchrony Bank Lowes account for undue fees which they responded they would refund but have not. Checked my credit report today and they are showing a new charge of {$2.00} which is their minimum interest fee. I had called when my balance was zero asking they CLOSE THIS ACCOUNT and stop the paper statements which they also charge for. I checked my credit report today and they are showing a {$2.00} balance. Do they think they can just charge me {$2.00} a month forever under the above circumstances? This is thievery! I want this new {$2.00} fee removed and the refund they promised and the account CLOSED meaning no more fees!
Consumer complaint received 2019-05-19
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. (MO)

All three of the credit reporting agencies are not supporting equality for woman. I have interviewed many others including executives at the same corporate level and they have also identified a huge disparity between their credit reports and their husbands. We incurred the same credit & debt. All loans and assets were in both of our names. 

I submitted disputes and within an hour it said it was resolved. It is impossible. The one business was no longer open for business at that time and the other would take a full investigation. 

I am reporting it to FTC, XXXX, social media and the news. 

XXXX, XXXX and Equifax are also violating the FCRA and equality when only the husband gets the credit on his report and derogatory is taken off but remains on the womens report. Both shared the debt, gained the credit and worked so both should have the positive effects AND exactly the same credit reports. I was the one who bought and sold our homes. One for {$650000.00} and the 2nd home for $ XXXX. Where is that on my report!!!!!??? 

The bankruptcy landed only on my report and no sign of my large credit acquisitions and pay off amounts. 


Side note : XXXX is escpecailly guilty of this and will only list the XXXX XXXX member not both parties co-signing on a loan. Not really the American spirit for a financial institution built solely on the financing and economy of families Servicing this country. Dishonorable
Consumer complaint received 2019-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC (CA)

I've been contacted by Allied Interstate, LLC twice. The first time, I just dismissed the call as " phishing. '' On XX/XX/19 I was contacted for the second time. When I answered the call, some Asian-speaking woman said something and hung up. So, I called them back. I get so tired of these kind of fake calls. 

A man came on the line, named XXXX, which I'm sure was a fake name, and he said that Allied is a collection firm. Then, he said we have a " personal matter '' to discuss with [ my name ]. Are you this person, he asked. I said yes. Then after I yelled several times " what do you people want, '' he said will you verify this address ... as yours? He had my address!!! I said XXXX no. I'm not verify anything that you want me to verify. 

Further, I said I have a FICO score of over 800 so I'm sure that nothing is in collection anywhere. I don't have any outstanding debts, let alone any creditor trying to get money that I haven't paid. I was so angry I hung up on the XXXX and blocked the phone number. 

I think they " phish '' for information like this. I don't have any outstanding debts for anyone that I know of. If I do, I would think that the companies that I have accounts with, would put this situation in writing before going to some collection agency or at least I hope they would. Otherwise, I don't think it would hold up in court. 

I've looked online for information about Allied Interstate, LLC, and they have an attractive website and do say that they are a collection agency. BUT, anyone can look legitimate this way. And, I've seen " hints '' by several people posting remarks about Allied, that this company is bogus and trying to get financial information from unsuspecting people. 

The phone number they used to contact me was XXXX which is probably as fake as they are. That is not the phone listed on their website. If they maintain that they are legitimate, please tell them to contact me in writing not by pone with complete details of the business that they are collecting for.
Consumer complaint received 2018-02-16
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (CA)

Receiving multiple charges I did not authorize from this company. They are re-charging my card multiple times. Unable to pay bills now and etc. I removed my accounts from their website and I still received the charges. 

On XX/XX/XXXX a {$510.00} charge I did not authorize from this company.

On XX/XX/XXXX a {$200.00} charge I did not authorize from this company. 

Again, I did not authorize these charges. I am not alone in this matter.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX- Account XXXX : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX - Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX - Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : SXXXX XXXX XXXX- Account Number : XXXX UNAUTHRORIZED INQUIRIES : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MN)

I have a student loan that was consolidated in 2007, I shopped the loan to different lenders.The best quoted interest rate was 2.2 percent so I told that person I would do that loan. I was supposed to get loan documents to sign and send back, I never received any. Instead I received a payment book. So I paid on this loan with electronic payment for 11 years till last year when I received an offer to lower my student loan from the better than 7 percent interest I was being charged. I talked to AES and they told me that was the percentage rate. I have informed them that I did not sign the promissory note and that they really needed to honor the quoted rate as they did not have legal documents to secure the loan. They then sent me an incomplete promissory note with an interest rate of 7.1 percent. Of course there is no signature, my social security number, my employer at that time, the company offering the loan, my drivers license, my email. So the loan documents they provided to me are pretty much legally useless from there perspective. I would have never ever even considered consolidating at an interest rate much higher than I was paying at that time. This loan was consolidated at 7.1 percent interest without my approval or signature and the loan documents provided by AES are not legally binding. They do however illegally report it to the credit bureau which requires that the loan is legally held, and knowing this they still report it thereby committing fraud.
Consumer complaint received 2019-05-17
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. (MD)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc. (TX)

I received a notification today that a collection was added to my credit report in the amount of {$740.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!
Consumer complaint received 2019-05-16
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. (FL)

On XX/XX/2019 i sent a letter to Equifax asking for any and all documentation that they have verying these accounts are actually mine.also with the i sent a photocopy of my Driver 's License, Social Security Card and address.only for Equifax to reply back saying that they can not find a credit file with the identification information that i sent.these are the accounts listed.and they also asked me to send a copy of my driver 's license and social security card. 

XXXX XXXX {$580.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$450.00}
Consumer complaint received 2018-01-16
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. (OH)

The below inquires do not belong to me and I did n't ask for credit, I want these removed from my credit report. 





XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Wr XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX + Misc. 




XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX + Bank XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-17
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. (GA)

I was advised to contact you all because I went to a first time home buyer seminar at my church and they had some lenders there and I was told that I did not qualify for the program. They went over my credit report and I see some things on there that I know nothing about. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX, XXXX, Applied XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX. Please remove these from my credit.
Consumer complaint received 2019-05-16
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: VEROS CREDIT, LLC. (CA)

I opened an auto loan account with Veros Credit in XX/XX/XXXX to purchase a vehicle. The initial balance was around {$12000.00} for a 5 year repayment term. After paying for at least $ 500+ a month for 18 months, a total of {$9000.00} in total payments, the vehicle was repossessed in XX/XX/XXXX. They tried to collect for {$11000.00}. I was only given {$1000.00} in credit for the total payment I made in those 18 months. I sent a debt validation letter demanding an itemized deduction and justification for the collection amount and I was ignored. Veros Credit is committing robbery. I demand a debt validation response from Veros Credit.