davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (CT)

On XX/XX/XXXX I took out a payday loan in the amount of {$1000.00} with an interest rate of 645 %. Total amount of payments was {$3400.00}. 

On XX/XX/XXXX I took another loan in the {$1500.00} with an interest rate of 590 %. Total payments were {$4400.00}. 

On XX/XX/XXXX a payment was taken from my account a day earlier than I expected. As it was not my payday from work, the money was not in my account and an overdraft was caused. I was told I should check my payment schedule. 

As a few resident to the state of CT, I did not know that payday loans were illegal in the state of CT and lawmakers have been going after such practices due to their high fees.
Consumer complaint received 2022-09-15
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$1100.00}.
Consumer complaint received 2021-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MI)

On XX/XX/2021 I made discover card payment from my bank account that was ok. On XX/XX/2021 discover took from me {$1600.00} from my bank account without my authorization. I only get {$790.00} a month from ssi. Their bank knows I only get a small amount and I make small payments.
Consumer complaint received 2019-12-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (AL)

I have no knowledge of this company or alleged debt. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2019-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

id theft victim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

PORTFOLIO RECOVERY ( XXXX XXXX XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$450.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I was scammed by a fake check and didnt acknowledge it until my bank account went negative, Im currently out of a job and the date I cashed the check was XX/XX/2020 and it was processed by XX/XX/2020. I had at least XXXX $ or XXXX $ before this had happened and called the bank multiple times to get a solution but was not able to be helped up until the 4th time I had called and was redirected to someone that finally told me shed help me fix the problem. My account was about to be closed since the check was fraudulent. When I had first cashed the check at least 400 $ was made available to me and right after I cashed it, I called my bank to make sure that the rest would be coming in at this point stating the amount I had gotten from the check. I understand completely that being scammed is partially a fault of mine since I did not read the check carefully but I would at least like to have the amount of money I had before back. I currently bank with Wells Fargo and they said there was nothing they could do and I had to pay back whatever I was due which was negative XXXX. Which I found really unfair. With the XXXX  I sent back to the person who was supposed to be paying me. She said she had her client send over the check to me but it was over the amount that was due to me. I was selling a designer wallet. And due to that I said okay because I was not aware this was a scam going around out there. I was completely and utterly shocked to find my bank account negative and thankful to have a friend able to pull me out of it.
Consumer complaint received 2019-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (CT)

I have made a few payments to my new Apple, Goldman Sachs credit card. The funds I pay on the card, leave my bank account immediately but the credit card company whilst acknowledging receipt of the funds are not updating the payment against my card balance. 
Heres their messages below to me. 

I understand your frustration, thank you for your patience. Your available credit could take several days to reflect payments you've made with your bank account. I can confirm we received your payments. The payment of {$500.00} made on XX/XX/2019 will reflect on XX/XX/2019, the payment of {$250.00} made on XX/XX/2019 will reflect on XX/XX/2019 and your payment on {$1500.00} made on XX/XX/2019 will reflect on XX/XX/2019.
Consumer complaint received 2020-02-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (NV)

ENHANCED RECOVERY ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$810.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-02-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: SECURITY FINANCE CORP (OK)

My loan is for {$1200.00}. They are reporting my balance as {$1500.00}, which is causing my credit score to drop since the balance is higher than the high credit amount. They tell me this is the finance charge and that all installment debt is done this way and that is not true. My auto loans never reported that way. I believe they are doing this intentionally to hurt my scores so I'm not able to go to a more reputable place to borrow money.
Consumer complaint received 2020-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I have written to LVNV ( on three occasions ), a collection company, asking them to properly validate the debt as required by the Fair Debt Collection Practices Act. All they can send is a single page billing statement. That is not proof, they must produce a document with my signature showing that I am financially responsible for this alleged debt.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

Two charges that are identity theft are appearing over and over on my credit report. Ive disputed but they keep letting these scammers ruin my credit. There is a charge from a XXXX and a charge from am finance that do not belong to me. Ive called the company and they keep telling me that they dont know how it happened. You can check my XXXX history. I have not had a car from these people and they agree to get rid of charge but then it appears again a month later. This is causing my credit to severely fall by false late payments and Im not able to secure any of the financing I was applying for. This has cost me lost wages and loss of procurement on housing and business loans. So its taking my time and time is the most valuable thing in life
Consumer complaint received 2020-02-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

I set up a payment plan in XX/XX/XXXX to split my XX/XX/XXXX payment over the next three months. So instead of {$710.00} I am paying XXXX in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Because the payment is different from my normal payment I an not pay online or the automated system over the phone. I was not given this information when I set up the payment plan, and was only told when I called in later on XX/XX/2020 confirming that the payment plan was set up. I can only pay with a person over the phone and they charge {$10.00} to complete the transaction. Today XX/XX/2020 the customer service representative said he could waive the fee, but only if I set up a payment for next month at the time of this transaction. I tried to set up a bill pay with my bank but it wouldn't get there in time so paying over the phone with a person was my only option.
Consumer complaint received 2024-06-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

I have repeatedly called Midland Credit to talk with someone regarding an account that they bought from an old credit card that I originally in XX/XX/year> accepted a pay off deal with XXXX 's store card with bank of XXXXXXXX XXXX to pay off the account with a settlement for the amount of {$420.00} that was XXXX  % of the total amount {$1600.00}. Midland Credit has made it hard to contact or speak with anyone regarding this matter. I also have tried to contact XXXX XXXX XXXXXXXX XXXX XXXX but it redirects me to Midland Credit to speak to someone regarding the account. Whenever I have called they state there are not enough representatives to take the call in the 'correct ' department because I have tried to dispute this amount. I find it very unfair that I have to go through all this mess and now I have received a letter stating if I don't call to resolve this matter by XX/XX/XXXX they will take matters into their own hands to resolve this account when I had originally agreed with XXXX XXXX  to resolve the amount at the settles amount. Midland states they have no record of this but why would they if they want the full amount. I have emails from XXXXXXXX XXXX of this offer and I will not pay more to what I had already originally agreed to pay with them to pay and settle out this debt. The only time i was able to talk to someone they said they would any statements they had to show proof of the amount I owe after that They will not settle or talk to me unless I agree to the amount they say. They also have emailed me when I never provided them an email so they must have got it from the XXXX company.
Consumer complaint received 2019-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (KY)

I received a debt collection letter in the mail written on XX/XX/XXXX by Linebarger Goggan Blair & Sampson, LLP. This letter claimed that I owed {$42.00} for a parking ticket dated on XX/XX/XXXX. I never received a parking ticket on XX/XX/XXXX so I wrote back a dispute letter on XX/XX/XXXX stating that I never received a parking ticket on that date and that I wanted proper validation from Linebarger Goggan Blair & Sampson, LLP proving that the debt was truly mine ( USPS Certified Mail Return Receipt proves that Linebarger Goggan Blair & Sampson, LLP received my dispute letter on XX/XX/XXXX ). I did not receive a response letter from Linebarger Goggan Blair & Sampson, LLP until XX/XX/XXXX stating that XXXX XXXX XXXX Parking Violation Collection was the original creditor. They also sent me two pictures, one of a license plate number and one that was blurry and indistinguishable. They claim that this is a picture of my license plate and of my dash without a parking receipt. The license plate picture they sent me does not match the number of the documentation they sent me. The license plate does not belong to me nor has it ever belonged to me. Upon further investigation I found that the license plate photo they sent me belongs to XXXX XXXX XXXX with vin # XXXX. I have never owned this vehicle nor have I ever driven this vehicle thus it is impossible for this alleged ticket to belong to me. I sent back a letter on XX/XX/XXXX demanding that Linebarger Goggan Blair & Sampson, LLP cease and desist all collection activities and that if they fail to do so I will sue them for breaking the Fair Credit Reporting Act Laws.
Consumer complaint received 2020-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (TN)

Contacted again XX/XX/2020 at XXXXCST, I have explained relentlessly that I am not XXXX XXXX . XXXX XXXX had this number over 6 years ago before I received this number from my cell phone carrier. I have explained this and they continue to contact me and refuse to stop calling me.
Consumer complaint received 2020-02-28
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. (IL)

Im trying to reach out back about from when I got denied for my apartment and saw several items on my credit that was not mine. I still see some of the same items on there. Please remove from my creditXXXX and these inquiries XXXX XXXX/XXXX XXXX XXXX   XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and local police.
Consumer complaint received 2020-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Im trying to reach out back about from when I got denied for my apartment and saw several items on my credit that was not mine. I still see some of the same items on there. Please remove from my creditXXXX and these inquiries XXXX XXXX/XXXX XXXX XXXX   XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and local police.
Consumer complaint received 2020-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (CA)

My checking account is charged by Citibank frequently for the last two years with no reason given in writing. I have been told verbally they are returned checks but Citi has not provided copies of the returned checks or been able to identify the payer forcing us to accept their word, which is not good enough. As it currently appears we are simply debited funds for no reason whatsoever with no explanation. I believe these fees are illegal and that Citibank is also violating it's own legal and contractual terms with me as the account holder by not providing written proof and explanations of these debits, specifically copies of the supposed returned checks with the date of deposit and return reason. I believe that is my legal right. 

I have attached one of many letters I have received that my account is being debited, but it does not explain the reason. I have called the 800 number given on the document over 10 times without an explanation ever having been given.
Consumer complaint received 2019-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MI)

I pay my credit card balances monthly, in XXXX of this year ( 2019 ) I inadvertently paid the wrong credit card, in the amount of {$1100.00}. When I discovered the error I immediately called Sears ( who handles this MasterCard ), they refused to reverse the payment and started asking me for my bank account information ( as if I am going to give that to a stranger over the phone ). I asked them to then send me a refund, they refused to send me a refund immediately but said I would automatically receive my refund in 60 days and that this was the only option if I failed to give them my personal bank account information. It has now going on 5 months since this happened, I called again over a week ago and was told I would have my money in 7-10 days, and once again I have received nothing. I feel that they now owe me interest, they have almost {$1200.00} of my money! I am furious. I also requested that due to the fact that they never returned my money it should be sent overnight to me, which they refused. The person I spoke to the second time was XXXX in Idaho, Team XXXX.
Consumer complaint received 2020-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MN)

I found out I qualified for the loan repayment program and signed up for that in XX/XX/XXXX when I began a new job. I have recently come to find out that I was lied to. It was NOT a repayment plan for the PSLF, but an actual reconsolidation instead via a 3rd party along the way. Thus, all the payments I have made since XX/XX/XXXX have not, nor will be, counted toward my 120 total  payments needed for the PSLF condition. I was told that I'd probably be done paying by now. I'm currently enrolled with the PSLF loan and seem to be on the right track now, but all of the payments before this mixup of the XX/XX/XXXX reconsolidation that should have been counted can not be due to the lie I was told. I probably did sign some form then but obviously it wasn't correct and I have no clue how to fix this. I want to talk with someone bc I've been paying consistently since XX/XX/XXXX. My student loans are still high as ever and will soon be even with my house mortgage payments. I feel so defeated and beyond devastated. I am just not getting the correct information and being transferred nonstop. I've never done this before and was the first to go to college in my family. Please help me figure this out so I can get the credit for the years XX/XX/XXXX-XX/XX/XXXX I have been paying off my student loans and working in a nonprofit organization.
Consumer complaint received 2020-02-28
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. (IL)

Im trying to reach out back about from when I got denied for my apartment and saw several items on my credit that was not mine. I still see some of the same items on there. Please remove from my creditXXXX and these inquiries XXXX XXXX/XXXX XXXX XXXX   XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and local police.
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

These two closed fraudulent accounts XXXX XXXX # XXXX & XXXX XXXX XXXX   XXXX # XXXX keep reporting on my Equifax credit report, which i have disputed Eight times already with Equifax, i keep requesting that they remove these fraudulent accounts from my credit report. I sent all Three Credit Bureaus a Police Report back on XX/XX/2019. Concerning these two Fraudulent accounts, I also requested That XXXX XXXX & XXXX XXXX XXXX XXXX provide Me/Equifax Proof of the original contractual agreement and proper Documentation proving ownership concerning these Fraudulent Accounts in my name, which i have not received any information or proof of Documentation concerning these Fraudulent accounts thats reporting on my Equifax credit report ... i have taken so many steps with Equifax to resolve this and to have them Deleted from reporting on my Crdit Report and they have not Removed them yet ... XXXX   and XXXX have deleted these same accounts from reporting on my credit report, I am writing and submitting this complaint for these Fraudulent Accounts to be removed from my Equifax Credit Report Asap. Thank You!
Consumer complaint received 2020-02-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have written to Portfolio ( two accounts XXXX and XXXX ) ( on three occasions ), a collection company, asking them to properly validate the debt as required by the Fair Debt Collection Practices Act. All they can send is a single page billing statement. That is not proof, they must produce a document with my signature showing that I am financially responsible for this alleged debt and that I was late leading to a chargeoff.
Consumer complaint received 2020-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I went to my bank to apply for a loan and was denied. I was confused because I thought that you all had taken care of the accounts on my credit that does not belongs to me. The account on there does not have a name but there account number is XXXX. I have contacted the FTC and local police.