davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: State Collection Service, Inc. (WI)

# 1-Date reported XX/XX/XXXX amount is {$8200.00} XXXX  XXXX XXXX- Date opened XX/XX/XXXX, date account closed XX/XX/XXXX This belongs to XXXX XXXX XXXX I divorced him XX/XX/XXXX. I filed filed chapter XXXX on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance. My lawyer said that is illegal because I filed Bankruptcy. 

# 2-Date reported XX/XX/XXXX amount is {$3400.00} XXXX XXXX XXXX showing also Derogatory, date account opened XX/XX/XXXX and date account closed XX/XX/XXXX. This also belongs to XXXX XXXX XXXX. I divorced him XX/XX/XXXX. I filed chapter XXXX on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My Lawyer said that is illegal because I filed Bankruptcy. 

# 3-Date reported XX/XX/XXXX amount is {$15000.00} XXXX XXXX showing also derogatory, date account opened XX/XX/XXXX and date account closed XX/XX/XXXX. This also is belongs to XXXX XXXX XXXX. divorced him XX/XX/XXXX. I filed chapter XXXX on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My Lawyer said that is illegal because I filed Bankruptcy. 

these three credit cards that are reporting a balance illegally on my credit report total = XXXX 

# 4- state collection- date reported XX/XX/XXXX, amount {$89.00}, date account opened XX/XX/XXXXI filed chapter XXXX on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My Lawyer said that is illegal because I filed Bankruptcy. 

# 5- state collection - date account opened XX/XX/XXXX, amount {$170.00}, I filed chapter XXXX on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My Lawyer said that is illegal because I filed Bankruptcy. 

# 6-State collection- date account opened XX/XX/XXXX, amount {$100.00}, I filed chapter XXXX on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My Lawyer said that is illegal because I filed Bankruptcy. 

Please I had to pay a lot of money for a bankruptcy lawyer and paid my dues this is not fair these are illegally reporting on my credit report please help.
Consumer complaint received 2019-01-14
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. (MA)

I hereby file this complaint as the servicer of my student loans is once again destroying my overall credit rating without provocation. As you can see from the several postings on all of my credit reports, the problem is very simple to understand. XXXX XXXX XXXX has the worse history in dealing with the public. My payment history would show a perfect payment history, then suddenly in XX/XX/XXXX, or XX/XX/XXXX they would report up to 11 student loans as an immediate 60-days late, then up to 120-days late for several months, then back to paid on time. All of these loans were deferred and were never in a payment mode. Then once again starting in XX/XX/XXXX they would report all loans as 60-days late, all the way up to 120-days late, then a paid on time rating. All of these loans were always deferred, and now I am consolidating what remains on student loan obligations so that I can finish up my XX/XX/XXXX in XXXX XXXX. XXXX XXXX XXXX is destroying my credit history. XXXX XXXX XXXX has a contractual agreement with all three credit bureaus. That agreement, called a subscriber agreement, is very clear that the credit reporting entity must abide by the rules and report properly. This is not the case in this matter. XXXX XXXX XXXX is not only destroying my credit, but at the same time they are violating my rights under the Fair Credit Reporting Act. This practice is nationwide where XXXX XXXX XXXX has no concern for the general public. I need this to come to an end, and I need the late payment history deleted completely. I have once again filed a hard copy complaint to XXXX XXXX XXXX, but I anticipate that they will do nothing to clear my payment history. I will follow through with complaints with the Office of Attorney General, Commonwealth of Massachusetts next. I need my payment history fixed immediately!!!
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

# 1-Date reported XX/XX/XXXX amount is {$8200.00} Bank of America- Date opened XX/XX/XXXX, date account closedXX/XX/XXXX. This belongs to XXXX XXXX XXXX I divorced him XXXX. I filed filed chapter XXXX on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance. My lawyer said that is illegal because I filed Bankruptcy. 

# 2-Date reported XX/XX/XXXX amount is {$3400.00} Bank of America showing also Derogatory, date account openedXX/XX/XXXX and date account closed XX/XX/XXXX. This also belongs to XXXX XXXX XXXX. I divorced himXX/XX/XXXXXX/XX/XXXX. I filed chapter XXXX on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My Lawyer said that is illegal because I filed Bankruptcy. 

# 3-Date reported XX/XX/XXXX amount is {$15000.00} XXXX XXXX showing also derogatory, date account opened XX/XX/XXXX and date account closed XX/XX/XXXX. This also is belongs to XXXX XXXX XXXX. divorced him XX/XX/XXXX. I filed chapter XXXX on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My Lawyer said that is illegal because I filed Bankruptcy. 

these three credit cards that are reporting a balance illegally on my credit report total = XXXX 

# 4- state collection- date reportedXX/XX/XXXX, amount {$89.00}, date account opened XX/XX/XXXXI filed chapter XXXX on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My Lawyer said that is illegal because I filed Bankruptcy. 

# 5- state collection - date account opened XX/XX/XXXX, amount {$170.00}, I filed chapter XXXX on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My Lawyer said that is illegal because I filed Bankruptcy. 

# 6-State collection- date account opened XX/XX/XXXX, amount {$100.00}, I filed chapter XXXX on XX/XX/XXXX with XXXX XXXX # XXXX Bankruptcy Docket # XXXX this amount was part of the bankruptcy even though under my ex husband this is not my debt and should not be reporting a negative balance on my credit report. My Lawyer said that is illegal because I filed Bankruptcy. 

Please I had to pay a lot of money for a bankruptcy lawyer and paid my dues this is not fair these are illegally reporting on my credit report please help.
Consumer complaint received 2021-07-15
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION (TN)

Applied for cash out- refinance loan on XX/XX/21. I wanted to take out approximately {$40000.00} in equity and refinance my current note to a 15 year term. Prior to formal application, I spoke with the loan originator for XXXX XXXX on XX/XX/21, to explain the particulars of the loan request. I have an underage minor listed on my deed. I asked if the XXXX XXXX, if in fact they could complete the transaction with the underage minor on the deed. The loan originator spoke with his XXXX. The XXXX informed the originator that XXXX XXXX could in fact move forward with financing and that XXXX XXXX would be XXXX creative XXXX in completing the transaction with the minor on title. To date, an appraisal was completed on the property on XX/XX/21. On XX/XX/21, I received a text from the loan originator was informed that I would need to remove the minor from title before the loan could proceed to closing. Further as a result of the hard pull of my credit, my current XXXX XXXX has decreased and I now have a poor credit rating. So in addition to false representation of services, I am out an appraisal fee of {$520.00} and a low XXXX XXXX. Finally, I am in a majority minority community the XXXX low balled the value of my property and when I notified XXXX XXXX of such there was no response.
Consumer complaint received 2022-08-17
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: Experian Information Solutions Inc. (TX)

I have reached out to all the credit bureaus and get a response that was in adequate because Upon my investigation and research it is still inconsistent. 

In accordance with the Credit Reporting act XXXX XXXX Account # 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.
Consumer complaint received 2020-11-06
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

At about XXXX XXXXXXXX  MST on XX/XX/2020, I attempted to use my Capital One Mastercard ( credit card ) to make a purchase online from XXXX XXXX. I was attempting to make a gift purchase, for my wife, while she was asleep. Capital One incorrectly identified my purchase attempt as fraudulent and froze my card. I immediately called the phone number sent to me by Capital One ( see 1st email alert ) only to get a recorded message indicating that their office was closed until XXXX XXXX eastern time. I called back after they opened and spent an extended period on hold and then went through a protracted identification process to " unfreeze '' my card. The Capital One representative said my card should be good to use at the conclusion of this call. After hanging up, I tried to make the same purchase with XXXX 's which was again, denied which resulted in a second fraud alert email from Capital One ( see 2nd email alert ). I made another call to Capital One and this time the rep said I needed to send a photo of my driver 's license, taken with my phone, for identification. I explained that I had an old fashioned " flip '' phone and I did not know how to do this. She then sent me an email link to allow me to send my driver 's license photo as an email attachment, however, using this technique will require about 10 days to unfreeze my credit card. While I understand the need to guard against fraud, my experience with Capital One 's " customer service '' was highly unsatisfactory. Capital One 's overzealous fraud protection cost me several hours of my time, the loss of use of my credit card for 10 days and a great deal of needless aggravation! In a sense, I was penalized by their system for not having a " smart '' phone to more quickly resolve this issue. But why didn't they correct the problem after my first call which would have avoided the apparent elevation of fraud concern, on their part, by the time I had to make that second call? Customer satisfaction appears to be a low priority with Capital One!
Consumer complaint received 2023-08-17
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair or remove these inaccurate items from my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : {$1000.00}
Consumer complaint received 2021-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have attempted to contact the creditors as well as the credit bureaus directly with no resolve. Most recent attempt was today XX/XX/XXXX. Previous attempt was XX/XX/XXXX. I have frozen my accounts as well. 

Transunion : XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX I have two XXXX  showing only one correct is XX/XX/XXXX ( not correct is following XX/XX/XXXX, XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX  : XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX & XX/XX/XXXX
Consumer complaint received 2023-06-24
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (GA)

Saying I owe an amount that I dont owe. Also, I have never signed a contract or anything with Westlake Portfolio. The customer service rep couldnt locate a contract or anything that I personally/legally signed stating that I will pay them x amount every 2 weeks. When called, it says Westlake Financial. 
XXXX XXXX XXXX has already closed this account on my credit report. So this account has been closed.
Consumer complaint received 2018-07-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (PA)

I am a cosigner on a student loan. On XX/XX/18 I called Navient for the payoff amount on the loan. I made the payment on the phone with customer service. I was told I would receive written confirmation and the account would be closed/marked paid in full. I didn't receive any thing so I called today XX/XX/18 and found additional payment due. If I hadn't called I would not know of these charges and was put at risk of late fees and interest as well as negative credit reporting. Was told by XXXX XXXX the additional charges were interest. Told him what I was told on XX/XX/18 and asked him how can you have interest on a XXXX  balance. He proceeded to tell me the final payment would be written off since it was less than {$60.00}. I told him I was making a formal complaint and he said he would transfer me to a supervisor. Supervisor XXXX comes on phone after a 10 minute hold wanting to congratulate me for payoff. I explained I was making a formal complaint about the misinformation I was given on XX/XX/18. She said she would forward complaint to rep 's supervisor. When I asked for the name and ID of the supervisor she said she didn't know it. But it would be forwarded. Then she said it would be forwarded to upper management. When asked who they were she again said she didn't know. But told me since balance was less than {$5.00} it would be written off and that would close the account and then I would receive written confirmation of the payoff in about two billing cycles. The problem is I will have to wait and HOPE they do their jobs and RISK negative credit reporting on an account that has been paid in full. If I lied to and misled my employer 's customers I would have been fired. These people say whatever comes to mind when they talk to you just to end the call. This not my first contact with Navient customer service. They lie and they mislead to end the calls. Should not call themselves " customer service.! ''
Consumer complaint received 2018-09-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (TX)

I went into Speedy Cash and applied for a loan. I was first under the impression this was an installment loan then informed it was a payday loan. I was given {$350.00} in the store and option to go online and get more of the loan that I was approved for. I was told that was payment would be XXXX every pay day but that does not come off of the balance of the loan. This is all interest. I went online and received the additional {$470.00} and it showed the payment on that part would be like {$87.00}. Then when I received the statement when my payment was due it is now {$180.00} every payday of which NONE of this comes off of the balance. The interest on this is 565 %. How is this even legal? 
This is a ripoff. I understand I took out the loan and signed the contract but I believed I was deceived in the way it was explained to me and what the payment said online. Of course now it does not show the lower amount after I signed the papers it has the {$180.00}. This is ridiculous that none of this comes off of the loan amount. I understand paying interest on a loan but 565 % if beyond comprehensible. I need out of this situation. 
I dont mind paying small payments every payday if it is coming off the balance but I will never get this loan paid if all I am paying is interest.
Consumer complaint received 2022-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reached out to all the credit bureaus and get a response that was in adequate because Upon my investigation and research it is still inconsistent. 

In accordance with the Credit Reporting act XXXX XXXX Account # 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.
Consumer complaint received 2018-12-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: POPULAR BANK (NY)

I went to the bank and said I wanted to close the account. I withdraw all the funds. I Then got two statements charging me {$15.00} each time for maintenance because I was awarded interest, and now I have a negative balance for an account I closed. I would like my interest back as well as my return of maintanence fees.
Consumer complaint received 2018-12-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Lincoln Financial Services (CA)

XXXX which was what they were trying to give me for my trade in and XXXX cash which wasn't authrozied to take and monthly payments of XXXX a month now they sold me a lemon car tryed to go talk to the company and the financed company to fix the problem they didn't care was very rude telling me they wasn't going to fix I couldn't get my mom back and so on but a really bad situation
Consumer complaint received 2019-01-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lendmark Financial Services (CA)

On Saturday XX/XX/XXXX I applied for a car loan via telephone from the dealership through lendmark financial. The loan agent at lendmark told myself and the dealer that I was preapproved for a loan at 24 %. I took possession of the vehicle, completed the necessary dealership paperwork and made arrangements to go to landmarks office on Monday XX/XX/XXXX. When I arrived at lendmark, they informed me that the loan was now a signature loan and was 32.499 % and there was nothing I could do since I had already taken possession of the vehicle. So I executed the loan paperwork. I have made all payments on time and well in excess of minimum due. On Tuesday XX/XX/XXXX, I received a call from lendmark telling me that since I had been making my payments and was ahead, I qualified to refinance my loan. They asked me if I would like a " cash out '' or lower payment. I responded that I would like a lower rate and I would not accept a " cash out '' or any loan modification that would extend the date of payoff for the existing loan. ( I have 29 payments remaining ) They asked for permission to run my credit and I consented. They said they would call me back. When they called me back, they told me they had gotten me a lower rate and asked me to come in to their office this evening to execute the papers. When I arrived, they made copies of my pay stub, drivers license, insurance card and took pictures of the vehicle then presented me with an offer at the same rate, included multiple insurance plans built in, a {$2800.00} cash out and a payment plan for 48 months and launched into a sales pitch. I interrupted the loan consultant and told him what the discrepancy was between the phone conversations and the offer. He excused himself from the room to " rework the offer ''. When he returned, he presented an offer that was .01 % lower, reduced the monthly minimum by {$17.00}, but added an additional payment to a term of 30 months. I explained the issues and walked out of their office. Lendmark has engaged in bait and switch tactics as well as fraudulent offers/claims. I can provide names of the dealership salesman as well as the lendmark employees if necessary