davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MD)

On XXXX XXXX, I sent the pay off amount for my two Federal load to Navient to the address they listed for Federal loans. The payment was never posted, even after the checks were cashed on or around XXXX XXXX. When I called - and was put on hold for nearly an hour - they said one of the checks they had, but they had no record of the second. I emailed after a week or so and just received notification that they payment was received and after a period of " aging '' typically 15-20 days then I will be issued a refund. They say the refund will take four to six weeks to receive. From when I mailed the check - and lost use of my funds - they are saying it will be 3 months before I have access to my money. During this time, I must continue to pay my loans - and the more than 4 % interest.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-02-12
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: ATG Credit, LLC (SC)

I was trying to buy a house and i realize i have damage on my report and according to the 15 USC 1681 law there should not be any damages on my report and it is a defamation to my character
Consumer complaint received 2019-08-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (CT)

I have been an online customer for XXXX XXXX XXXX and purchased a pair of diamond earrings for my wife birthday/anniversary.

My purchase, I used m financing program using XXXX XXXX credit card which they partnered with Comenity bank.

I paid down payment and paid monthly installments on time. However their system is designed in a certain way to make sure customers fail or get scammed or mislead into failing one payment and charge ridiculous penalty.

They dont have auto schedule payments to deduct from account. You have to remember and manually pay every month.

Buts thats not the biggest scam.

The loan they provided designed to give you zero interest for 18 months. However m, their monthly installments thats ore loaded in their system is not designed to pay of the loan in 18 months. It is designed in a way where it pays only 1/3 in 18 months and then they charge interest penalty on 19th month that brings the loan back to the original value and back to zero. On top of that, they dont remind you or send any kind of proactive message or call that 18 months will be up soon and need to pay to avoid interest penalty.

That message is sent to their online portal between many messages and you have to go through ind emails to find that.

It is definitely designed to fail.

I called them and they refused and hung up on me. They stated its my fault to miss the 18th month payment in full and now have to pay added interest of 1/3 the product value.

I bought the product for around 8k and loan was paid after 18th months to around 5k and now on 19th month its back to 8k even though all installments was paid monthly by their system.

My fault was I did not Calculate their monthly installments they set up which is not 18th months pay off.

All system is passive method for customers to go online and have to see make sure timely monthly payment or penalty.

I have made all payment on time except the last month when I saw the sudden charge of XXXX dollars interest for a XXXX earrings.

Thats ridiculous.

I dont believe XXXX XXXX runs a system to fool customers or scam them into failing through passive system set up.

I would request you to help us settle the penalty charge and we are ready to payoff the principal as a whole immediately and close the dues for good. The interest charge is absolutely a scam.

If have contacted a Comenity bank and they refused stating its my fault to fall into their scam while blue Nile refised ti respond.

We are a dispirited customer now. Our info attached.

Best regards XXXX XXXX
Consumer complaint received 2019-08-24
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SIMM Associates, Inc. (MD)

XXXX XXXX XXXX XXXX  cancelled my debt with them on XX/XX/2016 and reported to the IRS, so now the IRS is saying I didnt claim that as income. To my knowledge I didnt know it was cancelled because the debt was transferred according to this debt collection agency, SIMMS ASSOCIATE. They started making calls to my federal job and even to HR. I fell into their trap and made a settlement payment of {$8000.00} for them to settle my debt to a lower amount. After making that payment, I had to make a monthly payment for two years in the amount of {$370.00}. I am now finding out that I shouldnt have been making those payments because those payment could be going to IRS since I owe them because of the cancellation of the loan. Who do I contact about getting my money back from this SIMMS Associate people. I feel like Ive just been robbed. I have about 6 months to pay off but I am stopping those payments today! Help please.
Consumer complaint received 2019-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

One of my creditors ( probably only someone that I am past due on ) updated my credit report and put in my wrong middle initial. I am XXXX XXXX ( XXXX ) XXXX. They put my middle initial as XXXX. 

This just happened over the past few weeks, as I view my report each week. 

Someone needs to fix this!!
Consumer complaint received 2019-08-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial (TX)

On XX/XX/2016 I signed an agreement with Ameritech Financial to assist me with the repayment of my student loans. I paid {$190.00} a month for a year and {$99.00} a month thereafter. Last year, I'm unsure of the exact month, I received a letter for XXXX XXXX that I was about to default on my student loans. Prior to my contacting Ameritech, I received a letter from the FTC that they were suing Ameritech for : making false promises that people could permanently reduce their monthly payments charging illegal upfront fees telling people their fees would go toward their student loan balances, which wasnt true quoted directly from the letter.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-10-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. ()

After struggling to make payments a guy says he wants to buy it comes and trys it says he going to buy it and was going to meet his wife and get the money never see the guy again Ive reported to one main financial as well as the police department if I new you could do this stuff I wouldnt have went without food trying to pay a debt back but yet Im being punished when all I would like to do is buy a home before my mother passes away is our system really like that sad very sad
Consumer complaint received 2019-10-14
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. (GA)

I have submitted a complaint to Alabama XXXX XXXX  as well. They have not responded because they do not have any information as I stated to Equifax and CFPB. They stated that they do to have a recorded of this case nor did they provide Equifax with this information. So, I would like Equifax to provide me with proof that Alabama XXXX XXXX  provided them with this inaccurate information. This is not my account nor is it accurate information. How do I get this matter rectified when Alabama Dept of Human Resource stated that they did not furnish this inaccurate information.
Consumer complaint received 2019-09-06
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC. (NC)

Between XX/XX/XXXX and XX/XX/XXXX, Ally bank/financial started receiving repeated harassing calls, pre recorded voice mail. XX/XX/XXXX I instructed Ally to stop calling my number, they have continued to call. Ally was also told in XXXX not to call my phone number. ally did acknowledge my request for a year. However they have started very annoying and harassing calls as stated earlier.
Consumer complaint received 2019-08-26
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. (GA)

I recently went to check out a new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I noticed a couple of items on my report that are not mine. These items need to be deleted from my credit report : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, CHAPTER XXXX BANKRUPTCY There are also inquiries on my credit report that should not be there either : 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 2019-08-24
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: CITIBANK, N.A. (OK)

My name is XXXX XXXX and I Submitted a dispute on XX/XX/19 due to inaccuracies listed on my credit profile & have attached images marked in red to reflect the inaccuracies. On XX/XX/19 I wake up to find that Citi Card has not only left the inaccuracies on my credit profile but has intentionally added two fraudulent late payments to my credit profile showing I have been late during the months of XX/XX/XXXX 30 days & XX/XX/XXXX 60 days. Based on documents I have attached, they reflect with an account I had with Citi Card that my payments were due the XXXX of each month & for XX/XX/XXXX due date I Paid XX/XX/XXXX and for XX/XX/XXXX due date I paid XX/XX/XXXX It appears Citi Card at this moment is blatantly violating the FCRA Section 623. How can you add late payments that never existed? If you are unable to perform a reasonable investigation, or you are unable to locate the necessary documents to investigate my disputes then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. This is a final attempt to ensure Citi Card report only accurate information or cease reporting this account to my credit profile. You will find all attachments in this email to reference. 

Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ), as a furnisher of data you have the duty to report all accurate information to all 3 Major credit  bureaus XXXX, XXXX , & XXXX & you must review all of the information in this Notice of Dispute to complete your investigation, and report back to me the results of your investigation, within 30-days of my Notice of Dispute. 
In addition, I humbly request that you provide me with complete transactions, payments, a copy of any physical signed contracts or agreements, & account numbers
Consumer complaint received 2019-10-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Opportunity Financial, LLC (IL)

I had a {$280.00} balance left over from a {$1200.00} installment loan and I noticed the next week my balance increased to {$380.00}. I spoke with XXXX and the disputes manager and she left me know that I had been overcharged due to their systems error. She assured me that my account will be corrected within 48hrs, but it has now been two weeks and even though I've called at least 4 times they keep telling me the same thing and reporting false information the the credit bureau.
Consumer complaint received 2019-08-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo Bank, NA {$730.00}. This item is reporting negatively and impacting my score monthly as it pertains to a charge off and not current with payments. This is not my account and was opened in my name fraudulently without my knowledge or consent in which to do so.
Consumer complaint received 2019-08-24
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. (FL)

Firstly I have great credit XXXX/XXXX score bought new XXXX last year elite credit. Now my score is ruined because of XXXX XXXX. I recently moved to Florida and had to buy everything new for my apt . I had several store card purchases and offers. I do everything online. I did not get the bill sent but I eventually saw an alert. They had an incorrect address. I signed up for auto pay for All the accounts. I selected all accept one that is {$0.00} on the top it did not say that the XXXX XXXX needed autopay to be added. You clearly see that but it was not. I selected before with the others the XXXX XXXX. There is an issue to use the auto pay. This caused me to be late. I received call from them long after it was over 30 days. I said you never sent me an alert that payment was missed. They said they were going to listen to calls and get back to me. They never did and still charged me 2 month of late fees. They saw again in the system that I attempt to do the auto pay XX/XX/XXXX but it would not accept my checking account it finally went through as a savings account and its not this month. I was on the phone over an hour. The last rep said he could see in the system I attempted to do it. Thats why he credited me one late fee. He said only 1 per year hes only allowed. They also XXXX XXXX keep sending bills to my job and I told them stop. They never fix it. Violation of my privacy. I call XXXX XXXX and no one helps me to figure it out or fix it. I have auto pay issues recent for new accounts otherwise I pay always within 30 days. Never over.
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MO)

I am trying to get a VA loan and my mortgage company cant pull my credit score from equifax because it comes back as fraud so I have called them to fix this and they ask me to fax them my drivers license and social security card and I call them hours later to see if they got it and they said itll take 5-7 business days even tho I have faxed it and theres no other faster way to get this resolved and Ive talked to the  supervisor and theyre not doing anything to help
Consumer complaint received 2019-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (MA)

On XX/XX/XXXX I applied for amex card. I was well aware of the fee for the card. I did not activate the card until XX/XX/XXXX. On XX/XX/XXXX I received an email saying that my card payment was overdue. When I called customer service, I was told that the fee was due on the application date not XX/XX/XXXX. I received no bill, email etc for the fee between XX/XX/XXXX-XX/XX/XXXX. I do not understand why I did not receive a bill on XX/XX/XXXX or XX/XX/XXXX but a '' demand '' on XX/XX/XXXX. The rep was totally confused. I would appreciate some clarity about this.
Consumer complaint received 2019-08-26
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)

I am trying to remove two loan amounts, listed below, from a school I DID NOT attend from my account. and receive reimbursement for any payments that have been made to Navient. 

XX/XX/XXXX XXXX XXXX - Unsubsidized {$9400.00} Status Awarded XX/XX/XXXX School XXXX UNIVERSITY Current Owner U.S. DEPARTMENT OF EDUCATION Guarantor DEPT OF ED/NAVIENT  Disbursement Date XX/XX/XXXX Original Principal {$9400.00} XX/XX/XXXX XXXX XXXX - Subsidized {$13000.00} Status Awarded XX/XX/XXXX School XXXX UNIVERSITY Current Owner U.S. DEPARTMENT OF EDUCATION Guarantor DEPT OF ED/NAVIENT Disbursement Date XX/XX/XXXX Original Principal {$13000.00} XX/XX/XXXX Logged into Navient   Student loan account to review status of repayment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Graduated XXXX ). Noticed there was a Disbursement of {$22000.00} on XX/XX/XXXX from XXXX University ( I did NOT attend XXXX in XXXX ). 

XX/XX/XXXX Called and Emailed XXXX University regarding Incorrect disbursement. Spoke with XXXX XXXX / Collection Specialist. " I have a Balance of {$0.00} from XX/XX/XXXX ( See attached ). I had all loans cancelled XX/XX/XXXX as I was enrolled through the employee assistance program at the time and was laid off after my first week of attendance involuntarily. '' I was advised by XXXX to contact National Loan Student Data System ( NSLDS ). 

XX/XX/XXXX XXXX University XXXX XXXX / Collection Specialist recommended I speak with the Registrars office at XXXX option 4 & 6 or the AR department at ext XXXX Regarding loan corrections. 

XX/XX/XXXX I contacted the National Loan Student Data System ( NSLDS ) with my issue and received a Complaint Case Number XXXX. 

XX/XX/XXXX Called Navient to have XXXX University loan removed from my account as It was not correct, I did not attend XXXX, nor take out a loan of {$22000.00}. Was advised to contact their internal Investigative line for loans at ( XXXX ) XXXX. Was net with a mailbox where I recorded my issues as there was no person to answer. I have not received a call back. 

XX/XX/XXXX Called Navient back and was advised to visit the Borrower Defense to Repayment website for Federal Student aid at https : //studentaid.ed.gov to file a claim. 

XX/XX/XXXX Contacted XXXX through XXXX XXXX to have my Identity reviewed for Fraudulent activity at ( XXXX ) XXXX. 

XX/XX/XXXX Removed Auto-pay from Navient and contacted Consumer Financial Protection Bureau again to file a second claim regarding this issue as I have not yet have this resolved.
Consumer complaint received 2019-09-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

I have had many issues over the years with Navient and my student loans. Back in 2013 I believe, they seemingly purposefully misallocated {$20.00} of my $ 100+ payment in order to charge me a late fee and call my co-signer to collect more money from them even though I had submitted the full payment amount. They also unrolled me multiple times from automatic payments without notification then contacted my co-signer for money before contacting me. Most recently AFTER they allowed me to use the max hardship deferral time, they then told me about a program to lower my interest and therefore drastically lower my payments. They allowed me to do this for about 2 years but now say I do not qualify even tho my income and expenses have hardly changed. Now since unrolling in the program, they have jacked my interest up to over 11 % and they give me no options to lower it. I am now re-enrolled in school and they are already showing signs of being difficult about adjusting my payment for in school deferment.