davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC (CA)

I took out a title loan in XXXX XX/XX/XXXX for {$4200.00} +/- I actually received {$3500.00} in my account. The rate was 120 % and apr same. Hi and I was planning to pay off quick. I made payments on XX/XX/XXXX {$430.00} ... yes a few days after I got the loan. Is that illegal? Another payment on XX/XX/XXXX in the amount of {$430.00} I was late next couple months but made payments of {$430.00} on XX/XX/XXXX. 

They state that on XX/XX/XXXX that I/ the loan accrual {$840.00} I made a payment same day of {$430.00} and they also billed me another {$430.00} of interest. Making it so that no progress while Im under the impression that Im actually paying towards the Intreat so it doesnt double but even while making the payment the pushed more interest - from the look of the file outta thin air. 


Then it shows that they billed me again in that same month and I was late. Idk how Im making payments per month and theyre saying I accrual of intreat is 200 %. 

At this point while I loss my job which was the reason I took out the loan.. I missed payments XX/XX/XXXX and setup payment plan and made {$50.00} payment on XX/XX/XXXX and they gave me an extension on next payments. 

I missed payments XX/XX/XXXX and XX/XX/XXXX then they charged me accrual interest of {$1200.00} on XX/XX/XXXX. Im actually confused by looking at their pdf they sent me with my payment history so this is why Im reaching out. You will see that even tho Im making payments theres intreat accruing ontop of my payments and for the last 7 months you can see on pdf that after each payment they put intreat ontop then charge taht to my account after I pay. Im stuck I want to payoff this loan but want my fair payoff and not tacked on intreat fees. There is no clear outlined of principle payments vs interest payments. In the pdf you can see intreat being changed and added but principal balance never changes.
Consumer complaint received 2020-11-24
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. (TN)

I disputed the bankruptcy that is reporting on my credit report to all bureaus and their claim is that the bankruptcy was verified. I sent a letter to the bankruptcy clerk to ask the reporting guidelines and they responded that the courts don't report to the credit bureaus. So with that being said, the credit bureaus is falsely reporting a bankruptcy on my credit report and that is against FCRA Section 611 Subsection 5a.
Consumer complaint received 2020-11-25
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: EQUIFAX, INC. (UT)

The credit bureaus have yet to provide me with any results to the disputes I have sent to them multiple times! I've been keeping an eye out on the mail for any responses and have yet to receive any correspondence or results!! I don't understand how they can just ignore disputes and report inaccurate items. I understand with the pandemic there is a delay but it can't possibly be over 4 months long. Under the law they are supposed to be providing results. They need to remove the inaccurate items off my credit ASAP.
Consumer complaint received 2020-11-26
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: Experian Information Solutions Inc. (SC)

There are unauthorized inquiries that are not related to any open account and they are 2 other accounts that the status on one is incorrect and the other is not reporting the correct dollar amount balance see XXXX XXXX enclosed for explanation
Consumer complaint received 2020-11-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MD)

THIS COMPANY ON MY CREDIT REPORT ITS NOT MY ACCOUNT IT WAS DONE IN FRAUD. IVE TRIED TO CONTACT THEM, THEY HUNG UP THE PHONE ON ME. THEY COULDN'T VEIFY MY SSN OR ACCOUNT. THEY TOLD ME THEY WILL REMOVE THE ACCOUNTS FROM MY CREDIT REPORT. 

MY NEXT STEP IS TAKING THEM TO CIVIL COURT
Consumer complaint received 2020-10-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (TX)

I disputed an alleged debit with NCB Management Services to all three credit bureaus ( XXXX, XXXX and XXXX ) on XX/XX/2020. All three credit bureaus verified the alleged debt as accurate. I requested that the credit bureaus validate the alleged debt on XX/XX/2020 but was advised I would need to contact the creditor/collection agency directly for additional information. On XX/XX/2020 I mailed a certified letter to the collection company requesting the validate the the debt ( per the FDCPA ) by providing the following information : -an explanation of what this alleged account balance is for -a calculation of this balance including the complete payment history on this account -documentation that shows I agreed to pay this debt -the agreement that grants them authority to collect on this alleged debt -a copy of their state license including the license number On XX/XX/2020 I received a letter from the collection company simply stating the conducted an investigation and are unable to substantiate the allegations of my dispute. They requested I provide them with additional information. They completely ignored my letter requesting they validate the debt. Therefore, they are in violating of FDCPA Section 809 ( b ).
Consumer complaint received 2020-11-24
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: Experian Information Solutions Inc. (NV)

I have filed MULTIPLE disputes against Experian and none of the problems have been resolved. Instead, my credit has been decreased! 

I called customer service multiple times and requested for a NEW SECURITY FREEZE PIN CODE be sent to me. It's been months now and I still hadn't received it in the mail. 
It only takes 7-10 business days so this means NOTHING WAS MAILED. 
Since then I have tried to pull my credit online since I need my Security freeze pin to temporarily lift my security freeze to have my credit pulled. The request online for my free credit report was denied! 
I HAVE SENT IN MULTIPLE COMPLAINTS ABOUT MY IDENTITY BEING STOLEN AND EXPERIAN REFUSING TO ASK FOR A PINCODE UNLESS THY WANT TOO.

AND NOW I CAN NOT GET ACCESS TO MY ACCOUNT TO CHECK MY CREDIT DUE TO THEIR NEGLIGENCE!

I was informed that I needed to print the current document and include a copy of my DL, proof of SSN, and a Utility Bill.

I DID THAT!

I sent the form and a letter requesting for my Security Freeze Pin to be CHANGED and mailed since I hadn't received one after my last few request. 

Proof of Identity was mailed on XX/XX/2020 and it's now XX/XX/2020 and I have not received a thing in the mail. 

When I get a response from Experian as to why they failed to provide the new Security Freeze Pin. I will continue with how I know they received the letter and I can provide the content that they received! 
WHY WAS MY REQUEST FOR A NEW SECURITY FREEZE, IGNORED?
Consumer complaint received 2020-11-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Recovery Service, Inc. (WI) (IL)

I originally started disputing with Accounts Recovery Services IIL on XX/XX/2020 requesting validation of a debt they have attempted to collect. I do not believe the debt is owed by me, so I asked them for further documentation on the debt. Their communication has been sparse to non existence. my last contact with them was via phone and my request still have been ignored. they told me to file a police report.
Consumer complaint received 2020-11-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (GA)

All of my comenity bank accounts went into LATE payment due to an issue with autopay with the bank and comenity bank. Before I left for XXXX, I made sure AutoPay was on. I'm not sure what happened but my Autopay did not go through. So for two months, My accounts were not paid. I had a friend to call comenity bank to fix the issue once I realize all my accounts were late. I called comenity bank and told them the bank said it was an issue. I had many returned checks because of this. comenity bank said it was the bank fault and not theirs. 

I asked comenity bank to please remove the late fee 's since we see it was an error and I was away on XXXX XXXX.
Consumer complaint received 2020-11-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (MD)

GM Financial XXXX. XXXX XXXX, XXXX, TX XXXX XXXX : CFPB XXXX. In XX/XX/2020 I received a copy of our Retail Installment Sale Contract Simple Finance Charge from GM Financial along with a copy of XXXX XXXX XXXX account payment history. XXXX XXXX XXXX account number XXXX was sent via email directly to our home address included in GM Financial file. Upon, receiving the wrong documents, I called GM Financial to inform them that they sent Ms. XXXX XXXX 's account payment history instead of our account payment history. Again, I stated this in my complaint to CFPB. On XX/XX/2020 I received a call from a Ms. XXXX from GM Corporate who insisted on knowing how I gained access to MsXXXX XXXX XXXX file. More than once I clarified that it was sent to me via mail from GM Financial. It was included with our requested personal documents. At that time, Ms. XXXX apologize for GM Financial error and for sending Ms. XXXX XXXX information along with our personal documents. Ms. XXXX XXXX asked me to discard MsXXXX XXXX 's personal document. MsXXXX XXXX acknowledge that she received all of our CFPB complaints including my cease and desist yesterday to cease communication. We will not be held responsible for GM Financial consumer 's privacy violations of the consumer credit transaction with MsXXXX XXXX XXXX.
Consumer complaint received 2020-11-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (TX)

I signed up for a payment plan on XX/XX/2020 for {$50.00} to be deducted from my account on XX/XX/2020 as a part of a payment plan. I was told to call back every 30 days to keep making my payments. Despite making that payment on XXXX XXXX, Synchrony Bank on behalf of Paypal Credit keeps calling me multiple times a day, sometime not saying anything when I pick up. Today, when I picked up and talked to an agent he acknowledge the payment plan and that I was still current on it but said that because I still had a balance, they'll keep calling in between the due dates for the payment plan to get me to just pay off the {$400.00} balance. I have recordings of the XXXX XXXX call setting up the payment plan, copies of the XXXX XXXX payment, a recording of the XXXX XXXX call where they admit they'll keep harassing me until the entire balance is paid even if I stay current on my pay agreement.
Consumer complaint received 2020-11-25
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. (PA)

Ive tried again contact with Equifax XXXX XXXX and XXXX Ive submitted documentation along with the police reports and complaints still no response at the 30 days I need this immediately resolved I have a family Im trying to take care of them trying to get my credit out of the hole this is hurting my future Please remove the inaccurate information That can not be verified that I apply for Here is the list as follows as result in identity theft DeptedXXXX Installment Closed Date reported XX/XX/XXXX Date opened XX/XX/XXXX Account type Installment Not mine never applied for student loan Us Dept Ed Installment Closed Date reported XX/XX/XXXX Date opened XX/XX/XXXX These are inquiries that are fraudulent I never used I never applied I would like these investigated and removed I waited 30 days already still no response Inquiries Name Type XXXX XXXX XXXX XXXX Individual XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-10-26
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. (MD)

XXXX has continued to incorrectly report to each of the credit bureaus ( XXXX, XXXX, Transunion ) that my student loans were late when, in fact, they were not. The dates in question are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During each period my loans were in forbearance. 

I have incessantly provided forbearance documentation signed by XXXX contradicting their claims yet they refuse to correct the erroneous reporting.
Consumer complaint received 2020-11-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MEMBER MORTGAGE SERVICES (MI)

On XX/XX/XXXX, I contacted MMS Mortgage company to apply for a mortgage loan to purchase a home. The representative assigned to me was XXXX XXXX. Mr. XXXX sent us an application to fill out per XXXX and my husband and I submitted all documentaion that was requested. Mr. XXXX stated all information received was accurate and we were told not to send any more proof of income. We were sent a preapproval letter for a {$320000.00} for a FHA mortgage pending verification of all documents, appraisal of property, verification of funds and underwriting criteria as we were told we didn't qualify for a conventional mortgage. After receiving this approval letter, we went out and found a home for XXXX but turned it down due to inspection. We found two other homes in the XXXX XXXX area and Mr. XXXX changed our criteria to purchase any home over and over. Anytime we brought this to his attention on any home we wanted to purchase, Mr. XXXX always gave us information on why we were not able to purchase the home due to HOA fees or taxes on the property. We were out looking for homes with our Real Estate agent in the market of {$300000.00} and he would call Mr. XXXX and he was told everything was a go to move forward. Recently Mr , XXXX changed our approval from {$320000.00} to {$130000.00} stating we had given him the wrong figures and he based our preapproval on wrong figures, but we submitted all documentation requested. I callled Mr. XXXX 's supervisor, Mr. XXXX XXXX, on XX/XX/XXXX, when talking with him he stated Mr. XXXX did not follow procedure properly and that he would go over our application and submitted income to verify accuracy. Mr. XXXX called back on XX/XX/XXXX and stated he came up with the amount of {$220000.00} that we could be approved for. Mr. XXXX asked if I wanted to be referred back to Mr. XXXX or another representative, and we requested another rep and that was XX/XX/XXXX, and we have not heard back from the MMS mortgage company since that call. We have went from {$320000.00} to {$290000.00}, down to {$130000.00} now back to {$220000.00}. This company does not follow up in a timely manner as we have been waiting for a response since the XXXX and no call. MMS Mortgage I believe initially did not take our application seriously as there is no way we would have had so many different amounts given to us.
Consumer complaint received 2020-11-25
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. (MS)

Greetings, I sent dispute letters to the credit bureaus because they have inaccurate information on my credit report that is affecting me. I have an account in repossession that is not, I have may car, I paid it in full. 

I have inquiries I didn't authorized and negative accounts that should not be there.
Consumer complaint received 2020-11-24
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. (UT)

I have sent several disputes to each on of the credit bureaus : Transunion, XXXX  & XXXX  and they have yet to respond to me or provide results. I do understand there is a pandemic going on, but they are still required to provide results under the law. They are reporting errors on my credit file and they need to respond to disputes. I have sent another round of disputes to them in hopes to get in touch and receive any kind of correspondence. I will await your response.
Consumer complaint received 2020-11-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I had a yamaha motorcycle financed through capitol one and I have paid faithfully for the past six years. I traded the motorcycle for a new XXXX XXXX back in XX/XX/XXXX. On XX/XX/XXXX the dealership I traded the motorcycle with mailed a pay off check in the amount of {$1200.00} to pay off the motorcycle loan with capitol one. On XX/XX/XXXX I checked my credit report as I usually do to monitor my activity and my credit report stated my credit score had dropped 85 points. I began investigating and it was due to capitol one charging extra fees because they stated they had not received any payoff info from the dealership back in XXXX and they stated I was now behind on payments. I contacted the dealership I traded the motorcycle with and the lender stated she had mailed a payoff check on XX/XX/XXXX to the payoff department address that the capitol one officer gave her. The said check also cleared the dealerships account on XX/XX/XXXX and was used by capitol one. Once I contacted Capitol One with this info they stated they could not locate the check anywhere from the dealership, and the last officer that handled my account told the dealership lender that the loan was paid in full. As of XX/XX/XXXX I had the dealership lender fax a check image of the front and back of the cleared check used to pay off the motorcycle loan to capitol ones research dept to XXXX and capitol one told me it would be 7 to 10 business days before they would have a resolution. I called today on XX/XX/XXXX and they said they never received the check image. I had the dealership lender send the images again to the same correct number that I verified with the capitol one officer. As of now they have yet to locate the check that was cleared on XX/XX/XXXX for check # XXXX {$1200.00} made payable to capitol one from XXXX XXXX XXXX in XXXX AL. Capitol one is still giving me the run around on something that they have clearly made a mistake on and I am currently having to deal with trying to get them to get this fixed when clearly they used the check that was meant for my account on the motorcycle, but for some reason cant located the check? I feel taken advantage of and I am basically being charged twice for the said motorcycle because it is included on the payback amount of my new blazer because it was a trade in and capitol one has yet to show the loan as paid off. This issue has damaged my credit score by 85 points and I need this fixed asap. Capitol one seems to be pushing me off and I explained we are going into another month and I do not need any more fees reported to my credit because of their mistake. 
My Capitol One case number is : XXXX
Consumer complaint received 2020-11-25
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: TD BANK US HOLDING COMPANY (PA)

On XXXX XXXX, 2019, TD BANK USA/TARGET C add a hard inquiriy on my credit report per XXXX. The report does not include information about the creditor.
Consumer complaint received 2020-11-26
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. (LA)

On XX/XX/2020 over 30 Days now when I submitted the letter and documents for an unknown and inaccurate account. I was a victim of an Equifax data breach. Immediately delete those accounts or I will file litigation.
Consumer complaint received 2020-11-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (CA)

I have a Good credit score at XXXX points. I have very little debt, compared to my income. I have only ever paid 1 account late, due to becoming XXXX, which caused that 1 account to go 6 months past due, more than 3 years ago. The XX/XX/XXXX agreed to guarantee my loan in full, in accordance with the Transportation Loan Guarantee program provided to people with XXXX, pursuant to the Rehabilitation Act of 1973. However, Navy Credit Union discriminated against me, due to my XXXX, by denying my auto loan application for arbitrary reasons of : 1. Too many recent accounts ( my recent accounts are as a cosigner destructing LLC debt to lower interest rates ) 2. Serious delinquency ( due to my XXXX over 3 years ago, and only on 1 account ) 3. Too many accounts with balances ( I only have 3 credit card balances ) 4. Ratio of balances to credit limit too high. I only have 3 credit cards with less than {$3000.00} in total balances ). 

The reasons for the denial do not accurately reflect my credit report, and credit score of XXXX. Furthermore, I appealed the denial seeking reconsideration given that the State of California, through the XX/XX/XXXX, is guaranteeing the transaction through a Federally mandated program for people with disabilities. 

Navy Credit Union ignored this loan guarantee information and denied my application.