davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (NJ)

On XX/XX/2017 I took a loan from XXXX. I have since paid back the loan, but also paid back an extremely high interest rate when paying back the short term loan. 


I have come to find out they charge an illegal interest rate of over 700 %. I have paid back beyond the principal and still continue to make payments that only satisfy an outrageous interest rate and other fees. I am struggling to make ends meet because of payday loans such as this one.
Consumer complaint received 2018-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

In XX/XX/XXXX I began receiving federal student loans to help pay for college. I initially received my loans through XXXX XXXX. At some point in the last 5 or so years, Navient bought my loans and I began to pay them. I believe this complains is aimed at Navient. I worked as a XXXX XXXX for the County of XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. During that time I was making my student loan payments under the impression that I would qualify for the XXXX  XXXX loan forgiveness after 150 ( or 160, I forget the exact number ) payments while working as a qualifying XXXX XXXX. Sometime last year, I believe in XX/XX/XXXX, I reached the required number of payments and years of service, qualifying for the loan forgiveness. I contacted Navient almost immediately after the final payment necessary and was essentially told that the name of the loan was wrong. I had federal loans, but the excuse I was given was essentially something along the lines of, your loan is named loan1, and in order to qualify, your loan would need to be named loan2 I was told I could have them change the name of the loan and begin the 150 payments all over again from that point and I would qualify for the forgiveness when I reached 150 payments, again. At the time of this news I think I only had a balance of around {$2500.00}, so I just cut my losses. A couple of weeks ago I fully paid off my loans so as to never deal with these people again. I have XXXX balance with these people but I still perceive this as a colossal injustice after being promised something and holding up my end of the deal. Thank you for your time.
Consumer complaint received 2017-09-24
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. (TX)

XXXX XXXX is reporting a credit line without any legal authority. They are reporting this fraudulent criet to harass me and adversely effect my credit rating. XXXX had maintained they were transferred this account from XXXX XXXX XXXX. At the time the account was allegedly transferred, XXXX XXXX XXXX did not show any activity afterXX/XX/XXXX. However, once transferred to XXXX in XX/XX/XXXX, they started their account history in XX/XX/XXXX with a 120 day delinquency. XXXX  has maintained they would report this account adversely due to the pending lawsuit against their predecessor, XXXX XXXX XXXX.
On XX/XX/XXXX, XXXX XXXX XXXX admitted the Rescission Deed they filed inXX/XX/XXXXwas invalid and ineffective. Therefore they had no loan to transfer to XXXX to collect. However, this credit line should be deleted from my credit report.
OnXX/XX/XXXX, the Court declared the Rescission Deed was invalid as well. XXXX is reporting false information to the bureaus and they are aware of the most recent decision by the Court, ad they are conspiring with XXXX XXXX XXXX creating a fraud against the Court 's, CFPB, and the credit reports. I 've attached a letter from XXXX dated XX/XX/XXXX, letter from XXXX XXXX XXXX 's attorney, XXXX XXXX, Stipulation of Facts from XXXX XXXX and the Court 's order. I 'm demanding XXXX delete this credit line if XXXX ca n't prove they are legally required to report it.
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: Credit Plus Inc (LA)

I have 5 hard inquiries on my credit report that are hurting my credit that I did not authorize. XXXX on XXXX, then XXXX, XXXX, XXXX, and XXXX all in XXXX. From credit plus ... I did not authorize any of these pulls and I want them removed from my report.
Consumer complaint received 2018-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (IA)

XXXX XXXX attempted to collect debt from a credit card I never opened in the summer of XX/XX/XXXX. I called them and explained I did not open that credit card. They sent me a form to fill out. I filled it out and returned it. They called and said they are discharging the debt. 

Early in XX/XX/XXXX I received a letter from XXXX  attempting to collect the debt. I called and explained it wasn't mine. They informed me they would put a dispute on my account. A couple weeks later I received a letter explaining they reviewed my account and determined the debt is correct. They included a letter that only states my " debt '' was sold to XXXX. I called and was bounced around and no one could help me. I even explained I would file a police report if it would end this situation. They are still trying to collect a debt that is not mine.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was never late and on time paid in full and after they closed the account and that was what was reported to the bureaus which dinged my credit. I asked for a letter to say it was in good standing and was pd off and to let the bureaus know which they said they dont do that they just state the account is closed. Which does not state that when you open an account with them. I wanted reported paid in full and in good standing which it does not stated that with them all making it seem like they closed the account because I wasnt making payments.
Consumer complaint received 2017-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

For approximately the previous month I have been working with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to remove an account from my Trans-Union Credit Report. Today 9/24/2017, approximately XXXX CST, I called the customer service line for transunion. Initially I spoke with a gentleman who identified himself as " XXXX '' an alias used by the XXXX, XXXX Call Center for Transunion/XXXX. XXXX transferred me to " XXXX XXXX '' another alias working in the country of XXXX as well. XXXX refused to provide an operator ID, Refused to identify which city the call center is located within XXXX, refused to answer basic question about the company or Transunion as a corporation. When XXXX got on the line she said only, " this is XXXX, I 'm a supervisor ... '' I asked what company she was employed by, and XXXX refused to even identify her employer. Based on Transunion 's website the information should have been : TransUnion XXXX XXXX ( Formerly : XXXX XXXX XXXX ( XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX Tel : XXXX XXXX XXXX XXXX XXXX XXXX.
But the operator refused to identify any information. XXXX also advised she could not transfer me to a U.S. based call-center. My call was originally about the mis-reporting of a closed account by Transunion but has now, following my interaction with the third party call-center for Transunion, makes me concerned the alleged representative may have ill-intent. With the current climate and the bureaus breaching the trust of millions of individuals the idea of speaking with anyone who can not answer generally searchable information about their alleged company makes seems like a major red flag.
Consumer complaint received 2024-10-19
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: EQUIFAX, INC. (PA)

I am a victim of human XXXX  of XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who l am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2022-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-10-31
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. (PA)

I recently heard Pennsylvania filed a lawsuit against Navient for unfair practices. Upon investigation of my own loans I have discovered that my original loan balance for my federal and private loans was {$59000.00}. My privates loans were for {$37000.00}. I have made {$29000.00} in payments of which {$19000.00} has gone to interest with {$9900.00} going to the principal. My current balance is {$29000.00}. My first federal loan was for {$9800.00} I have made {$5400.00} in payments with {$4400.00} going to interest and only {$960.00} going towards my principal. After being forced into forbearance my current balance is {$11000.00}. My second federal loan has a starting balance of {$12000.00}. I have made {$6900.00} in payments of which {$5600.00} has gone to interest and only {$1200.00} has gone to my principal. After being forced into forbearance my current balance is {$14000.00}. Navient states my current balance owed is {$54000.00} which doesnt even take in to account the {$42000.00} in payments I have made. {$29000.00} has gone to interest with only {$12000.00} going towards my principal. I have called Navient at least once a week trying to get explanations about how my payments are applied and I get no real answers in return. My private loans are in an interest rate reduction program. I was recently told that my payment of {$250.00} was divided between the interest of {$230.00} and {$20.00} going to my principal. I have been trying to get on an income based payment but I can not afford the payment because they add me and my husbands income together and come up with an outrageous amount for me to pay. I am now trying to apply for an income sensitive repayment program which Im being told will take my husbands income into account also so I wont be able to afford the payment again. I want to know what happened to all the money I have paid and why my balance only reflects a {$5000.00} difference when according to them I have paid {$12000.00} on my principal. I have asked for documents and copies of my promissory note and was told they would be in the mail but I have never received any documentation. I also asked for proof that my father co-signed my loans and have never received that document either
Consumer complaint received 2017-09-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (FL)

The aforementioned credit collections agency National Credit Systems INC. representing XXXX XXXX apartments has violated the FCRA by not providing documents to me in regards to this debt. ( account number is XXXX in the amount of XXXX ) I am unaware of this debt, I have asked for validation of the debt owed as well as validation of contract and to no avail has the company provided me the necessary information requested in the allotted time. My first initial request for this information was XX/XX/XXXX never received anything pertaining to this debt. this account remained unverified and then on XX/XX/XXXXthe debt was removed from my account. However, upon checking my credit report XX/XX/XXXX I saw that said collection agency had placed collection account back on my credit report without proper notification of doing so I was completely unaware. By law they were to notify me within 5days which they did not! 15 U.S code 1681i-FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) Notice to consumer : If any information that has been deleted from consumers file pursuant to subparagraph ( A ) is reinserted in file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than 5 business days after reinsertion or, if authorized by consumer for that purpose, by any other means available to agency.
Again, I reached out to said agency requesting information again and advising them that they were in violation of FCRA on XX/XX/XXXXXX/XX/XXXX the agency then removed the debt from my credit reports, but again without proper notice the account was then reinserted. I filed a complaint with the BBB onXX/XX/XXXX because of this violation ( case # XXXX ) and the company responded back that the account was not able to be located however said account is reflecting on all three credit reports. This account is unverified and immediately needs to be deleted from all credit filesXXXX, XXXX and XXXX.
The business is require to disclose to me all of the documents that they recorded and retained in their files that pertains to this " Debt '' and they failed to do so in the allotted time, National credit System has violated FCRA in more than one way and needs to retract this from my credit file immediately!! Thank you.
Consumer complaint received 2024-09-02
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: FIRSTBANK PUERTO RICO (PR)

The date was in XX/XX/year> and the bank was First Bank XXXX. I told the seller to dont submit my information because they dont have the product that I needed in that moment. I decline the offer and to my surprise, three days later, I received the notification of credit inquiry.
Consumer complaint received 2018-04-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (VA)

I received a letter from my lender US Bank stating my mortgage was audited and found that I am now required to carry flood insurance. At which point I acquired the required insurance and forwarded the proof to US Bank. The original analysis date was marked XX/XX/XXXX. I was told via phone that the charges to my account would be remitted. I was post charged from the date of the new flood maps covering dates from XX/XX/XXXX to XX/XX/XXXX. I received another notice dated XX/XX/XXXX stating that I am still being billed for the previous year. I have been able to find the instance stated by consumerfinance.gov that states a required 45 day hold before coverage is applied by lender. Please advise me if I owe this balance or I am not able to be charged.
Consumer complaint received 2017-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (CA)

Problem : I spoke with Discover on or around XX/XX/XXXX and advised I was sending an over night payment and need their address for such. I advised them I was going to be traveling that Friday and needed my funds on my card immediately, I was then advised as long as my payment was rcvd before XXXX XXXX EST it would process that night and be available next morning by XXXX, that didnt happen, so I contacted customer service and spoke to a rep and a manager named XXXX out of Ohio, I explained the urgency of my payment needing to post because I was headed to airport and when I arrive to my destination I would need a rental, I provided her my USPS tracking number, XXXX, she looked it up and said they rcvd my package at XXXX XXXX on the XXXX, she then tried reaching her batching dept with no success, she then advised that the company could do an manual authorization when I reached rental car company only if the location can do manual authorizations, so I immediately called Discover when I arrived as instructed and got their AZ location and spoke with another manager and advised him of my situation and what previous manager advised me to do, he stated there were no notes regarding that conversation and it only stated my  previous call was only about payment, he then placed me on hold and checked with his billing dept, they said no payment pending, so he advised he could not push a manual authorization thru unless pmt was pending, I was left for dead at this point. So now 4 days have passed, its XX/XX/XXXX and  after 5 calls to managers, no one has located my payment, although it was clearly received by their organization and not processed. We are now stuck having to pay friends and family back, for hotel and car charges while traveling, since all my money was sent to Discover for our travel cost and Discover advised me they have no policy to locate a lost overnight package.they cant even contact their mailroom. No one took initiative to resolve my problem and my money is just lost within their organization, no follow up from management or since of urgency from Discover. Managers where horrible, never actively listened to my situation nor notated account properly.
Consumer complaint received 2017-10-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

Back in XXXX I had a lawyer file with the courts a Stipulation of Dismissal regarding a debt from a previous landlord. The debt was never removed and was reported to credit bureaus and is inhibiting me from obtaining a competitive interest rate for my first mortgage. I spoke with the company recently and sent them everything I have from the courts and they never called me back to follow up with me. After multiple attempts to get the status of everything i spoke with someone who said they can not remove this and when I asked to speak to a manager they told me they couldnt transfer me. I had to call them directly and of course had no answer. 

The mortgage rates is significantly higher than it should be. The charge was dismissed in court and filled in a court. I have documentation confirming this and they still wont adjust what need to be adjusted.
Consumer complaint received 2017-02-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (AZ)

In 2006, Loan with XXXX was paid to school and refunded due to dropping classes. Then XXXX XXXX paid loan to school again even though I dropped the classes in accordance to school policy and should have been refunded 100 % for semester. Both refund and re-payments to school occured on same date ( XX/XX/2006 and XX/XX/2006 ) Total of {$3200.00}
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (HI)

On XXXX XXXX, XXXX I received a credit report and discovered that some information was is inaccurate or did not belong to me. I competed the online dispute form and submitted it. Four ( 4 ) of the disputed items were successfully submitted as being inaccurate telephone numbers and inaccurate XXXX information. However the disputed address where I never lived was not accepted and was instructed to telephone Experian to correct this issue. 

I immediately telephoned Experian at XXXX XXXX XXXX XXXX and waited on the telephone for approximately 45 minutes only to be transferred to there dispute department. But while on hold for for the dispute department for another 15 minutes I was disconnected. 

Today, XXXX XXXX, XXXX I telephoned again with a hold time of approximately one hour but but to no avail and experian.com/upload as suggested on there form is useless.
Consumer complaint received 2024-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MO)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2017-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC. (PA)

To : XXXXXXXXXXXX ; I called in to put a STOP Payment on an ACH authorized payment and told the XXXX Customer Service representative exactly why. He replied the fee would be XXXX XXXX for the bank to STOP and reverse payment. I told him since I am calling in advance to STOP it ahead of time so that it would not have to be reversed. He then agreed to waive the XXXX and STOP the ACH from taking from my checking account. Then today XXXX/XXXX/XXXX I called to check my balance and it said XXXX. I called in at XXXX a.m. Another Spanish customer Service representative told me my account would be credited the fees from the overdraft and XXXX and quickly transferred me to the claims department to cover up their mistake. They made me submit a claim after they never reversed it and charged extra fees. The claim number they gave me was # XXXX. 
They were supposed to STOP payment ahead of time.. Days ahead of time. Why they are making me submit a claim for their mistake does not seem like proper bank protocol.
Consumer complaint received 2017-09-24
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: Fidelity National Information Services, Inc. (FNIS) (LA)

Hello, I have been notified by XXXX that my information might 've been compromised by the recent hack on XXXX. I 've contacted XXXX twice to get numerous inquiries from my account deleted. I 've also sent letters to each creditor that has an inquiry listed on my credit report without any resolution. Please help me in finding a resolution with XXXX. 
XXXX apparently has an auto response for inquiries when they are disputed. It kicks them out without a thorough investigation. 

Kindest regards, XXXX XXXX