davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc. (IL)

This complaint is in regards to a personal loan that I originally took out through XXXX  which was always paid on time as agreed and has since been transferred to SST Service Systems Technologies Inc. loan number XXXX. While in SSTs care I have since paid the loan off in full on XX/XX/ the balance of XXXX before I did this on XXXX I also cancelled the automatic payments so another payment was not drafted on the due date of XXXX  Upon checking my account there was an automatic payment still being withdrawn after I canceled the automatic payments beforehand and also verified them being cancelled via a phone call with an SST representative. Part of the original loan agreement with XXXX I would be given XXXX upon signing the loan agreement and another XXXX plus interest upon paying the loan off this money would be direct deposited to my checking account on file within XXXX days. As of today XXXX  I have not received the XXXX over payment that was drafted after canceling the auto payment or the XXXX plus interest and phone calls to this company have had no resolution to this I am being told that my savings can not be transferred until my account is closed and my account can not be closed due to the XXXX overpayment which was requested to be refunded and was denied. I am being asked now to send a portion of my bank statement containing my personal information showing that I made both the XXXX payment and the XXXX even though it shows that I made these payments on their website. After sending this email as requested I have received no response.
Consumer complaint received 2020-09-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THIS IS IN REFERENCE TO A XXXX  CREDIT CARD WITHA BALANCE OF XXXX I HAVE ADVISED CRDEIT REPORTING COMPANIES TRANSUNION, XXXX  AND XXXX  THAT THIS IS A DUPLICATE ACCOUNT. THEY ALL KEEP VERIFYING IT AS ACCURATE. XXXX HAS CONCEDED THAT IT IS BEING REPORTED INACCURATELEY YET THEY VERIFIED IT AS ACCURATE WITH THE BUREAUS.
Consumer complaint received 2021-09-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Captal One has placed my account as if I am not paying my monthly bill which is incorrect I have requested nicely to change my due date to the XXXX of every month and they have done nothing to correct this now Im in collection for not paying my monthly payment attached you will see I have made 14 payment which is the amount of month I have the loan and were never a problem instead they are placing my account in late states without reason because when i took loan I advised then that my check and my spouse comes on the XXXX  so my due date was requested with the date of XXXX of every month to no avail. Need help with capital one to correct my credit report and to correct the due date to the XXXX of every month.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have contacted Experian twice asking for investigation on a credit account appearing on my credit report twice from XXXX XXXX. After two rounds of disputes sent to Experian the account keeps coming back verified with several late payments which is incorrect. These late payments from XXXX XXXX continues to report negative which is costing me thousand of dollars in interest. I personally called XXXX XXXX and provided my name and social and there is NO account listed under my name or social. I have asked for this account to be deleted from my credit file as this account is being listed twice resulting in 12 late payments per account. Experian hasn't properly verified this account and continues to remain on my file.
Consumer complaint received 2021-09-29
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: JPMORGAN CHASE & CO. (FL)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I reviewed my credit reports and all three have multiple inaccuracies, they are reported that my Fed loans are XXXX and 160 days late but there are no 30 or 60 days payments reported. I believe these are violations of the FCRA. and have requested in writing multiple times that there inaccuracies be corrected or removed with no action being taken. I am requesting these late payments be removed from all three of my credit reports and new reports with undated information be sent to me.
Consumer complaint received 2021-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (VA)

FedLoan Servicing failed to properly process my attached Employment Certification Form ( ECF ) for PSLF consideration. 

- On XX/XX/XXXX, I submitted the attached ECF to FedLoan Servicing. 
- On XX/XX/XXXX, I received the attached letter from FedLoan Servicing, stating that my ECF was missing information in Section 3 pertaining to my ( 1 ) employment start date, ( 2 ) employment end date, and ( 3 ) information in Section 3, items 9-12 pertaining to employment organization type.

- However, a plain reading of the form shows that : ( 1 ) my start date was XX/XX/XXXX, ( 2 ) my end date was XX/XX/XXXX, and ( 3 ) Section 3, Item 9 indicated " no, '' and Section 3, Item 10 indicated " yes, '' which constituted a full accounting of all information FedLoans claims was missing.
Consumer complaint received 2021-09-29
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: Resurgent Capital Services L.P. (FL)

Once again I had stated in my previous dispute letter that I do not recall having this account. I've also asked your agency to provide the monthly payment, credit limit, terms, last payment, past due amount, date of first delinquency, and date closed as well as the payment history since they are missing from the report.
Consumer complaint received 2021-09-29
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Once again I had stated in my previous dispute letter that I do not recall having this account. I've also asked your agency to provide the monthly payment, credit limit, terms, last payment, past due amount, date of first delinquency, and date closed as well as the payment history since they are missing from the report.
Consumer complaint received 2021-09-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation (TX)

I got a mail from regional Finance with a check that has been cashed posting date XX/XX/XXXX for a vaule of {$2100.00}, i never applied or recieved this check. Regional Finance sends out live checks to people unsolicited and in this case It was stolen and cashed. At this time of this incident it is recorded with USPS my mail was in hold to be held at post office due to mail box break in. This piece of mail and many others weren't held and postman left in mail box and i was not aware of this. 
Check number : XXXX. 
I do not have an account with this company. 
The DL information and email as well as signature isn't mine. 
I went into regional Finance office and filed a fraud complaint XX/XX/XXXX got a affidavit form, which i submitted on XX/XX/XXXX a form which a notary signed off on as requested. 
I opened dispute with credit bureaus and received a response today stating the company verified information that they know is not mine. Per XXXX I am contacting you to assist.
Consumer complaint received 2023-01-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (OH)

I have made two extra principle only payments on my loan and what they have done with those payments is take that amount and are applying it to future amounts of principle payments thus making my future payments apply towards interest only. This does not make my payoff date any sooner, theyre just milking more money out of me hoping I dont notice.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

Good morning, While observing my credit report I noticed several inquiries that I do not recognize nor were they authorized by me. This inquiries are not affiliated with any open accounts I have so if possible, I am asking for them to be removed from my credit report. The inquiries that I do not recognize or authorize are : XXXX 1. XXXXXXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX XXXX 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX  XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

I have disputed these UNAUTHORZED/INACCURATE accounts multiple times with EQUIFAX and they kept ignoring my request. So, I'm filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized/inaccuate accounts. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED/INACCURATE accounts and they need to be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-29
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: Porania, LLC (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter 13 Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

7. XXXX XXXX XXXX  XXXX XXXX PC Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  XXXX XXXX  Date of inquiry : XX/XX/2021 This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine.
Consumer complaint received 2021-09-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (CA)

On Monday, XX/XX/XXXX, I received several emails from a financial services app called Chime, letting me know that an account was opened using my email address, and that a service called XXXX  was activated. ( This appears to be an overdraft protection feature, covering up to {$5.00} of overdraft ; this feature was used immediately, with whoever opened the account purchasing {$.00} worth of something from the XXXX XXXX XXXX ). 

I have checked my bank accounts and credit cards, and I can't seem to find any evidence that my personal financial information is linked to this Chime account that was opened using my information. However, on Tuesday, XX/XX/XXXX, I received notice that a Chime Visa card was being sent to me, and the address in that email matched my actual physical address. As a XXXXXXXX XXXX XXXX XXXX, my personal information WAS recently compromised, with everything from my social security number to my address and phone number being stolen, along with thousands of other employees '. I have credit monitoring and everything, but this was a disturbing first case, I think, of someone using my information fraudulently. 

My complaint is that I immediately tried to contact Chime to get them to cancel the account, and I have emailed them several times now : three times on XX/XX/XXXX, once on XX/XX/XXXX, and once again this morning ( XX/XX/XXXX ). On XX/XX/XXXX and XX/XX/XXXX, I received automated email responses that assured me they take fraud very seriously, but then also asked whether I was sure that I hadn't opened a Chime account months or years ago. And no matter how urgently I've tried to communicate their need to shut this account down immediately, I have yet to receive any communication that suggests a real person is taking care of this, or that there's any urgency to address fraud when someone brings a case like this to their attention. I don't know how much of my personal or financial information might be in their database right now, I don't know who might be using it, and I don't know how much risk my own credit reports/credit score might be under ; I would have loved for a Chime representative to communicate with me, but because they have not, I hope the CFPB can help.

One last note : Chime 's phone tree is an absolute nightmare. It goes nowhere -- whether you tell them you're an existing customer or not, they redirect you to the website or to the email address, XXXX. It was not possible to speak to a real person when I tried it on XX/XX/XXXX, and that is why I've been emailing them so much. If I could have called and gotten it resolved right away, I would have.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 



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 2018-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (CA)

Loan default was entered on my account on XX/XX/XXXX Due to said default, I incurred significant and  burdensome penalties of approximately {$15000.00}, not including interest, which I continue to pay off to this day. The default was entered in error as I timely requested an emergency medical forbearance prior to the date that the default occurred. 

On or about XX/XX/XXXX, I was admitted to XXXX XXXX in XXXX XXXX, California. I was struggling with XXXX and XXXX XXXX and due to my troubles, I was unemployable and unable to pay my student loans. At the time that I was admitted to the hospital, I was aware that my student loan account was near default. Therefore, after admittance to the hospital, I contacted AES to notify them of the situation. I was instructed to fill out a medical hardship signed by my doctor and send the form to them via fax. I did as instructed and sent the form to them prior to XX/XX/XXXX 

Approximately 30 days after being admitted to the hospital, I was discharged and returned home. However, when I returned home, I was notified of the default. I immediately contacted AES and was told that my request was received too late EVEN THOUGH I SENT THE REQUEST IN A TIMELY FASHION AS INSTRUCTED BY AES. The default and rehabilitation process was explained to me and although I disagreed with the result, I immediately undertook measures to start the rehabilitation process.

At the time, I did not have the strength to fight the default. It was more important to me to get healthy and resume my life. I did just that I have been XXXX  and XXXX for nearly 13 years and have been employed throughout that time period. I have made every single payment to AES. However, due to the increased financial burden and payment schedule, my debt to AES has barely decreased and every month it is a struggle to meet all of my financial obligations.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Upon the investigation of these accounts the company XXXX, XXXX, EQUIFAX failed to verify accurately said accounts without proper documentary evidence without my consent but continued to report inaccurate information which is effected me.. Knowing this is a clear violation of FCRA [ accounts are ] 1- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-29
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. (PA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-09-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: OKCoin USA Inc. (MA)

Summary : A cryptocurrency exchange has taken {$1000.00} of my money but does not show that deposit in my crypto exchange account. I have full documentation of the transfer of funds. 

Details : " OkCoin.com '' is the US presence of OkXXXX, which is a cryptocurrency exchange. I believe OkXXXX is based in XXXX. 

I created an account with OkCoin.com, registered and validated my identity. Then I used the okcoin.com website to transfer {$1000.00} from my bank, XXXX XXXX XXXX, into my okcoin.com account. 

I have an email from OkCoin.com that says my deposit had cleared, and I have a record in my XXXX XXXX account that shows the withdrawal/transfer to OkCoin.
Consumer complaint received 2023-03-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC (AZ)

I have had this loan with Village Capital and Investments for 20 months. They currently show my account as having a outstanding balance owed ( {$2500.00} as of XXXX XXXX it is only XX/XX/ due ) They are not posting my payments in a timely manner thereby charging me a late fee. I HAVE NEVER BEEN LATE. They have taken as long as two weeks from the time I mailed the payment to as little as 4 days. The postal service assures me that it takes no more than 3 to 4 days from the time the item is placed in the postal service, my zip code to the destination zip code. I have tried to correct this by XXXX talking to the company customer service XXXXFiling a complant with this agency ( CFPB ) problem has not been solved, one of the people that I talked to at the company didn't understand the concept " due date and if not paid by time. ( grace period ) I have never exceeded that. I have always mailed the checks in plenty of time to avoid a late fee.I can not use there web site anymore because my account has apprantly been compromised ( see enclosed document ) .I am beginning to believe that this is more than incompentent employees handling my account..I want this cleared up and clean up my credit. I have provided my entire payment history with Village Capital and Investments.
Consumer complaint received 2021-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (PA)

We had a credit card balance of {$810.00} that was due on XX/XX/XXXX The amount was paid on XX/XX/XXXX 

On XX/XX/21, we tried to use our credit card to pay a vet bill of {$140.00} and the card was declined. It was embarrassing and didn't make sense since we knew the {$810.00} was taken out of our checking account on XX/XX/XXXX 

When I called the credit card company, I was advised that they aren't crediting our {$810.00} payment until our next statement dated XX/XX/. They have received the payment of {$810.00} on XXXX. How is this legal?