davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-19
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: COMMUNITY CHOICE FINANCIAL, INC. (KS)

On XX/XX/XXXX at XXXX XXXX C.S.T. I spoke with an attorney for Cash Central from phone number XXXX. At that time, the attorney wanted to get the jist of my complaint to the Consumer Financial Protection Bureau. I advised the attorney that I did not recall the loan and that I had a live in fraud alert on my credit bureau because my former live in boyfriend had stolen my identify ( which I did not find out until months later ). I did not get to take advantage of these funds and after being threatened repeatedly with jail and repossession of my vehicle by their collectors I  paid the bill out of fear. 

Subsequently, the attorney under both the American Bar Association Regulations and Federal Statutes has a duty and an obligation to review the complaint. According to 15 U.S.C. 1681c-1 ( h ) ( 1 ) ( B ). & FCRA 605A ( h ) ( 1 ) ( B ) Potential creditors must use reasonable policies and procedures to verify the identity of an applicant before issuing credit in the consumers name. 

In reviewing the loan documents Cash Central referred over there was no proof of identity provided. No copy of my original signature or drivers license that would be the very least reasonable procedure instituted and is industry standard when faced with any consumer transaction, especially those involving identity theft. 

I have made attempts to resolve this with the company that at this point is destroying my credit and causing me to incur damages as a result of their refusal to comply with state and federal laws. I kindly request that the following item be deleted from my credit report as it is not mine. If Cash Central continues to blatantly violate the law, I will be forced to seek civil damages and injunctive relief. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : CASH CENTRALXXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, UT XXXX
Consumer complaint received 2017-07-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

Loan repayment with Navient started in XX/XX/XXXX. The loan amount taken out was {$3700.00}. I was submitting more than the monthly payment per month in the hopes of paying the loan off ( approximately {$120.00} ). Called the company several times to find out why my payments did n't seem to be decreasing my balance and was told that since I was in the beginning of stages of repayment, that majority of my payments were going to interest but that that was normal and would change after the first year. However, it is almost 10 years later and I am still making payments on the loan with the loan balance currently at {$2900.00} with the last scheduled payment according to Navient not being paid off until XX/XX/XXXX. This is insane as I paid double the amount of the balance due for the first several years and it seems that almost every payment made for the first several years was only paid toward interest. This seems criminal that it will take 15 years to pay off a loan that was taken out for less than {$4000.00} Navient does not seem to be able to provide me accurate justification for how my payments have been allocated properly. In addition, the school I attended ( XXXX XXXX ) has been shut down and I was unable to complete the program as it was required that I complete an XXXX as part of the program. The school assured me that I would be able to be accepted into an XXXX  program as well as find gainful employment in my field since I am a veteran who previously worked in the XXXX XXXX during my time in the military. However, I was not able to find any XXXX that I could be accepted in and as a result was unable to successfully complete the program or transfer to any other program since all of the school locations have been shut down.
Consumer complaint received 2017-09-19
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. (WA)

on XXXX XXXX XXXX i filed a complaint file number XXXX XXXX regarding my account at XXXX XXXX XXXX XXXX to correct my paided account to transunion.. they did do that and also agreeded to honor customers request to have it removed from all three credit reporting agencies.. all have except transunion as of this date XXXX XXXX XXXX. i have sent them. transunion the attached letter from the cfpb response from them stating they would request removal of this account in which they sent me a letter stating they had recieved that info .... i have also faxed transunion a letter from XXXX XXXX XXXX stating that they have requested deletion of this account from my report// have called XXXX XXXX XXXX and they tolded me they have requested removal of that account NUMBER XXXX XXXX XXXX..and have asked transunion twice to delete.. in which they have not .. also account number XXXX ... .XXXX XXXX XXXX acct number XXXX was paided in full XXXX XXXX XXXX for XXXX it has been updated to paided in full .. but not deleted per request of XXXX XXXX XXXX for deletion per request of them to transunion. i have talked to them several times via phone also and they stated they have requested deletion by transunion..in which transunion has not done so..by looking that complaint you can see that they stated to that fact of deletion
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Radius Global Solutions LLC (NV)

Yes I filled a complaint on this company for violating FCRA laws and they let me know they would remove the account from my credit report. However they have not remove it from XXXX.
Consumer complaint received 2017-07-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

I received a limited time special rate to take advantage of a 2.99 promotional rate through XX/XX/XXXX billing cycle by using People 's checks ( which were attached ) or performing balance transfers. On the morning of XX/XX/XXXX I performed an online balance transfer from People 's United Bank to XXXX XXXX in the amount of {$1100.00}. In the afternoon of the XX/XX/XXXX I contacted People 's to cancel balance transfer. At that time I spoke to XXXX who informed me that he was unable to see balance transfer. I advised that I had confirmation of the transfer but he was adamant that he could n't see it and that it would take up to 2 business days to process. He suggested that I call back on Monday XX/XX/XXXX at which time People 's would note on the account that the wrong information was submitted and the transfer would be canceled. On XX/XX/XXXX I received an email from XXXX XXXX thanking me for my payment of {$1100.00}. I then contacted People 's and asked how the transfer had processed when XXXX had informed me the day before that there was no record of a transfer. The customer service rep ( XXXX ) said I needed to contact XXXX XXXX and ask them to refuse the payment. I then contacted XXXX XXXX and spoke with a customer service rep ( XXXX ) who informed me that he could not cancel the payment as the payment was coming in from a third party. XXXX indicated that only Peoples would be able to cancel transfer so I again contacted People 's and spoke with another customer service rep ( XXXX ) who advised that once People 's received notification of the transfer from XXXX XXXX, Peoples would stop balance transfer and waive fee, which would take up to 3 business days. On XX/XX/XXXX I again contacted People 's and spoke with customer service rep ( XXXX ) and advised him that not only is XXXX XXXX still showing a payment of {$1100.00} but People 's now shows an additional {$1100.00} on my balance ( the {$1100.00} transfer amount and {$44.00} transfer fee ). XXXX advised that he is unable to have money refunded from XXXX XXXX and that it is my responsibility to contact XXXX XXXX and have returned to Peoples. He further advised that once this has been done Peoples will gladly refund the {$44.00} transfer fee. Of course Peoples would refund the transfer fee if there is no transfer then there is no fee. The fact that Peoples advises that it takes up to 5 business days to process a balance transfer and the fact that they processed this transfer overnight speaks volumes as to how unethical this entire process has been. It appears that Peoples did everything in its power to lock me into this balance transfer and did very little if anything to stop it even though I attempted to stop it within the same day, which is unconscionable and appears to violate my right to rescind their offer within a reasonable amount of time, saddling me with their {$44.00} transfer fee.
Consumer complaint received 2017-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

GM MasterCard by Capital One. I 've been a customer since XX/XX/XXXX ( XXXX years ) and never had a late payment. It 's been all setup with autopay for many, many years. I have n't used the card in the last year, so when the {$39.00} annual fee was assessed I did n't know to lookout for it. 

Sometime in the past year, the bank switched their website. The card issuer 's change broke the link the autopay setup at my bank. So I never got a bill and of course could n't have paid it. Magically though, they reached me via paper mail to assess a punitive late fee and penalty. 

Today I tried to call and resolve. After a long hold, my request to have the penalty/fee removed was denied. I asked to speak with a supervisor and spent an hour on hold before being disconnected. I resorted to XXXX, where I got an immediate response. But after being strung along unprofessionally for hours ... the agent offered zero substantive help. Just generalizations about a bad technology weekend and that any fees would be rolled back. Not really paying attention to the story or even looking anything up. It was literally hours of wasted nothing. 

An entire evening of my life wasted. I do n't care about stupid {$50.00} so much as the principle. THEIR technology change caused this failure, not mine.
Consumer complaint received 2017-07-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (IN)

I contacted Caliber Home Loans to refinance a home mortgage on XXXX XXXX, 2017. Everything went fine until they sent an appraiser out and the person hired by Caliber was not professional and submitted comps that were not anything like my home resulting in a lower value so the loan was not approved. comps submitted by the appraiser should not have been allowed becuase 1. They were over 7 miles away 2. They were for single family homes and my home is a multi family I asked that the home be re appraised but they were not willing to do so. The person hired by Caliber was not a professional and I complained at the time of the appraisal. I have since contacted an independent appraiser and they say the house should have appraised for more and the comps used by Caliber were not suitable for a comparison of my property
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

Yesterday, XX/XX/XXXX, I, XXXX XXXX, verified via Equifax website that I my personal information had been compromised as part of the Massive Hacking of their systems that started, according to your disclosures, in early XX/XX/XXXX. As per their advice, I sought free enrollment in the Trusted ID program. Yesterday, I was informed via Equifax website that I would receive an Email and enrollment instructions. Today, XX/XX/XXXX, I received those instructions in my in-box. I was instructed to submit the last 4 digits of my Social Security Number and Date of Birth. I did this and the system accepted this information but never moved on the the next page of the enrollment. I backed out and tried to enroll again. I was informed by the website that I had already enrolled and to login. I have never submitted a password or user name to your service in connection with this hack so i can not log in to the service. I then tried to change the password and was asked to re-enter the last 4 digits of my social security number and my Date of Birth. I did this and received the message back that the information I just submitted did not match their records. I was advised to telephone customer service in the message. I have now been calling customer service for hours. The line is always busy. I can not get through to them and have mailed a letter. meanwhile I fear my identity has been stolen since I it appears someone other myself has enrolled in the service.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY (UT)

American Express and XXXX XXXX keep reporting negative remarks on my credit report. My Chapter XXXX was back in XXXX 2011. When I do get it removed it comes back in a month, especially if I apply for a loan. I feel this is unfair and abusive power that they have with credit agencies. Thank you XXXX XXXX
Consumer complaint received 2017-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A medical debt from XXXX XXXX was reported to transunion in XX/XX/XXXXas being invalid. Transunion was provided proof that insurance had paid the balance and XXXX XXXX was trying to collect more than owed. Transunion deleted the collection from XXXX XXXX on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX the collection re appeared under another name " XXXX XXXX XXXX ' for the same amount via XXXX XXXX. I dispute this amount indicating transunion was not in statutory compliance with FCRA 611 ( a ) ( 5 ) ( b ) having failed to notify me of any re attempt of a previously deleted item. I sent a secondary request on XXXX/XXXX/XXXX via certified mail to transunion to delete the inaccurate item and they sent me a letter on XXXX/XXXX/XXXX indicating they would not with no further information, not only was the debt already proven invalid and removed once before adding it a secondary time with no notice or evidence is a violation of FCRA 611 ( a ) ( 5 ) ( b ) and transunion should be fined as well as rectify this immediately
Consumer complaint received 2017-09-19
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA (MD)

Hello XXXX, I 'm writing today because i 'm having issues with Fedloan servicing reporting two student loan accounts to my XXXX and XXXX  Credit reports. Fed Loans is reporting that i am 180 Days past due for a balance of {$0.00} dollars. My only student Loans have been paid off with no missed payments and were managed by XXXX these two phantom accounts with incorrect and incomplete information is damaging to my overall good credit and needs to be removed.
Consumer complaint received 2017-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

When Navient was servicing my student loan, I called their customer service and asked them can I qualify for loan forgiveness since I am a public servant. They told me I do not qualify and failed to tell me what I can do to qualify.
Consumer complaint received 2017-07-24
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. (FL)

I had residential mortgage loan with XXXX XXXX XXXX, XXXX, Loan No. XXXX. The Loan has been paid off as of XX/XX/XXXX. All payments on the loan were made by automatic electronic payment system through my bank. No payments were ever late. However, in XX/XX/XXXX, for unknown reason, XXXX returned one payment, even though it was the same as every prior payment on the loan. XXXX then started charging late fees, and applying subsequent payments to that payment. Upon learning such and speaking to XXXX representative, I made double payment. I also spoke to supervisor and upon sending in the bank record showing EVERY payment from my bank, the representative approved removing late charges. XXXX, however, continues to list late payments on my credit report. It is adversely impacting my credit, and I am in process of applying for new loan. I spoke with XXXX customer service 2 weeks ago and was told they would respond in 10 days. No response has been forthcoming. I sent urgent email last week. After years of similar payments by my bank, XXXX acted capriciously in rejecting my timely payment. XXXX once did acknowledge the error and removed the late charges. XXXX, however, is not correcting the credit reporting on their error, and it is adversely impacting the credit of my reports ( XXXX XXXX XXXX ) and my wife 's reports ( XXXX XXXX XXXX ). XXXX needs to remove adverse reporting on my credit on on my wife 's credit.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Consumer complaint received 2017-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

Just to let you know, I just graduated XXXX XXXX XX/XX/XXXX. I recently joined the XXXX XXXX XXXX. The checking account with USAA is my first checking account. Before I left for XXXX XXXX on XX/XX/XXXX, I had my mom added to my checking account so she could take care of bills while I was in XXXX XXXX. She wrote me and asked me about some charges and I wrote her back and asked her to check on them. Then I tried to buy some deodorant and stuff on post and my card was declined. I hurt myself and was able to get a phone privilege to let my mom know I may be recycled due to injury and that I could n't ' t use my card. She told me she called USAA and asked about the charges, and told them I was in XXXX and was n't able to keep calling and stuff to USAA and to not cancel my card til I graduate from XXXX, but USAA cancelled it anyway. They did n't send a replacement card. USAA just left me hanging. My mom read me the letter they sent to the house and it was generic and did n't say nothing bout my card being cancelled or suspended or whatever it was. Then I had to finally call USAA and it was the worst experience that I have ever had. USAA is not a bank for military families. USAA needs to have a better way to help members when they are in XXXX XXXX where communication is restricted. I requested that they send me a card to the XXXX  overnight. USAA said they could n't do overnight. So, I 'm already having a hard time adjusting to XXXX XXXX, home sick, injured, and USAA leaves me stranded with no access to my money. There 's a difference between trying to protect privacy and being uncooperative and unreasonable. At this point USAA is being unreasonable. I even uploaded a copy of the orders I received XX/XX/XXXX, so they see where I am.
Consumer complaint received 2017-09-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (OH)

I got sick and been having trouble paying all my bills over the past two months. Mariner Finance has been calling and I finally called them to make payment arrangements they told me that I am two month behind ( {$95.00} x 2= {$190.00} ). And that they were going to a judgement and garnish My wages. I spoke to XXXX the manager of the XXXX Ohio branch office and agreed to allow me to catch up the two payments by XX/XX/XXXX. and no legal action would be sort. On XXXX XXXX, 2017 I received a certified letter indicating that I was being to. Court over the unpaid balance owed to Mariner Finance.  This not in keeping with what I was told by XXXX. I think this a bit extreme and unfair since I will be current again in lest than two weeks.
Consumer complaint received 2017-07-24
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: EQUIFAX, INC. (TX)

I submitted a dispute to Equifax on XX/XX/2017 certified with a return receipt. I did receive the return receipt verifying that the dispute was received. The Equifax website has the Dispute confirmation # XXXX, the status still as pending and the dispute date as XX/XX/2017 with and estimated completion date of XX/XX/2017. Today is XX/XX/2017, and I have still not received any response at all, and the status is still showing pending. I have contacted Equifax through their website with no response. The guidelines state 30 days for an investigation, being that the process has taken well over 30 days I would like the items removed immediately.