davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NC)

XX/XX/XXXX and XX/XX/XXXX {$110.00} each date I disputed this charge stating that the name was incorrect as well as XXXX separate cards XXXX which the company didnt have access to and the XXXX card was unauthorized as I never utilized their services or authorized business with them
Consumer complaint received 2018-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

Navient makes the process to change your repayment plan online excessively complex and unclear. Navient forces you to take a questionnaire and then " recommended '' two repayment options. I know the option I want ( flat repayment ) and yet it was completely unavailable. The issue was resolved via calling into the company, but I believe this lack of clear online repayment options, especially the inability to select the lowest total cost option ( flat repayment ), unethical.
Consumer complaint received 2022-04-13
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. (OK)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-04-13
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. (OK)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2022-04-13
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. (MI)

In accordance with the Fair Credit Reporting Act, XXXX 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: K A P S & CO (USA) LLC (MO)

This company was sold a debt for XXXX XXXX, this was a fraudulent account. XXXX XXXX has acknowledged this and I actually have an active, currrent account with them. However at some point 3 years ago they turned it over to a collection agency. When that first appeared I contacted that agency they contacted the customer everything was resolved they removed it from my credit I have the letter from them and the apology except apparently instead of deleting it they sold it to somebody else I guess so that they made some money off of the debt that they bought. Now the new company has added it to my credit report and is harassing me, I have told him repeatedly verbally and in writing that this was fraud And it has been removed twice now as fraud and they refused to do anything about it I should not have to keep disputing the same debt over and over again I am sorry they bought it that they couldnt collect on but they need to delete it off of my credit report because they just kept me from buying a house and Im really considering suing
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PINNACLE RECOVERY, INC. (CA)

As of XX/XX/XXXX a collection of the amount of {$27000.00} popped on my credit report. I have absolutely no knowledge of this account and I have never received a piece of mail or any correspondence whatsoever with this company. I would like to know why companies are allowed to ruin people 's livelihood with no real proof. I am in the process of purchasing a house and this will ruin my chances and make me lose out on thousands of dollars. I would like this rectified. 

Completely remove this account from my credit report.
Consumer complaint received 2022-04-13
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. (OK)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (MD)

{$5700.00} was withdrawn from my Citibank checking account on XX/XX/2022. This is an error. The statement says : " Transfer to Checking # XXXX ONLINE Reference # XXXX Transaction Date XX/XX/2022 XXXX PM ET ''
Consumer complaint received 2022-04-13
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX Account 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
Consumer complaint received 2020-02-10
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WorldRemit Corp. (GA)

On XX/XX/2020, I sent a remittance to my brother in-law in the XXXX in the amount of {$410.00} via World Remit. The following day, WorldRemit sent me a note that the transaction was already completed. When I verified with my brother-in-law, he said that when he went to the WorldRemits partner to get the remittance, he was informed that the money was already taken by another person. My brother-in-law was shocked and interrogated the WorldRemit partner and found out the WorldRemits partner failed to check the other persons ID, signature and improper full name. 

When I reported this problem to WorldRemit management, they assured me that they will investigate their partner and resolve the problem right away. So almost everyday I called remit on status and they responded that they were still investigating. Days passed since XX/XX/2020 todate, XX/XX/XXXX, there was no resolution of WorldRemit promise. I have spoken already to approximately 25 WorldRemit management and still no resolution. Hence this request for CFPB help by myself.
Consumer complaint received 2018-07-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

Navient hired a debt collection company called XXXX XXXX XXXX XXXX to collect on their private student loans. XXXX XXXX XXXX XXXX has repeatedly misapplied my payments. In addition, XXXX XXXX XXXX XXXX does not allow me to verify the balance information and any fees paid. I have been paying XXXX XXXX XXXX XXXX for over three years and they have consistently misapplied my payments in addition to adding fees and interest to the accounts which is a flagrant violation of the law. Navient and XXXX XXXX XXXX are engaging in deceptive debt collection practices. I can't even get an accounting of all the payments I have made nor how much in fees and interest Navient and XXXX XXXX XXXX XXXX has added to the account. Navient and XXXX XXXX XXXX are engaging in fraudulent business practices. My account was supposed to have a 0.01 % interest rate however, Navient and XXXX XXXX XXXX XXXX have added a higher interest rate on the accounts in order to keep the balance high.
Consumer complaint received 2022-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Clear Recovery, Inc. (AZ)

I am receiving repeated phone calls weekly by the debt collection company stating that I owe money on the furniture I purchased roughly two years ago. I have explained to the debt collector that most of my furniture was paid in cash and some of it was financed on the credit card the furniture store had issued. we have sent the statements reflecting the payoff of the credit card. the debt collector in return sent me a itemized list of the furniture but fails to show any proof of what exactly is that we owe money for? I have paid of the credit card the furniture was purchased from and why am I being reached out by a collection ageny after two years of the purchase? why did XXXX XXXX not contact us in the past two years? I am 100 % certain my debt if paid in full and if its not I will like the debt collector and XXXX XXXX to provide proof of what exactly it is that I owe the money for. not just a phone call stating I Owe money but not knowing what for.
Consumer complaint received 2022-04-13
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account 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
Consumer complaint received 2020-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This account has been previously disputed for " Fraud '' in XXXX XXXX and was REMOVED after providing : FTC Report, Notarized Letter from me and Police Report by XXXX and the other bureau 's because it was a " Fraudulent Account '' open in my name. 

This account has since been sold by " XXXX XXXX 's '' to " Portfolio Recovery, LLC '' after it was closed due to being opened fraudulently. On, XXXX XXXX, XXXX this account has been re-reported by " XXXX '' and " Portfolio Recovery '' on my credit reports. 

_____________________________________________________________________ ACCOUNT RESULTS ON XXXX _____________________________________________________________________ XXXX Results for Fraud Dispute : Deleted Date Generated : XX/XX/XXXX Report Number : XXXX Account Number W/ " PORTFOLIO RECOVERY '' : XXXX XXXX ACCOUNT # LISTED ON XXXX : XXXX _____________________________________________________________________
Consumer complaint received 2024-06-03
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (VA)

I receive {$1300.00} a month in XXXX benefits, I don't have any other sources of income. I receive my benefits through Direct Express which is managed by Comerica Bank. Somebody hacked my account and changed my address and then proceeded to order a new card. They then withdrew my entire monthly check at an XXXX. The location of the new address and the XXXX used are not near me and I have never been to that area. When I discovered the theft I tried to report it, but the company would not allow me to until I had proved my identity by sending them a scan of my drivers license. Although I had to prove my identity to submit a report of theft they did allow me to change my address back to my correct address and to cancel the fraudulent card and order a new card ( without proving my identity ). This fact alone is very concerning. After submitting a questionnaire through email I waited for a couple of weeks expecting to hear something. I called them and found out they had closed my case, they didn't contact me to tell me or to ask any other questions in the prior weeks. They said they closed my case because of " conflicting information '', there is no other way to put this than to call it what it is, a lie. Besides the fact that the employee was rude, as well as the supervisor, I asked to speak to the supervisor and they rudely but reluctantly forwarded my call to the supervisor. The supervisor agreed to send me a letter explaining why they came to this conclusion and said they would reopen the case when I submitted a police report, which I have done. The letter they sent fails to explain why they came to that conclusion and merely mentions a number of general reasons, some of which are ridiculous. They don't appear to be reopening my case and the way they handled my case clearly shows they have no intention of actually processing my claim. I have not received my FDIC backed refund from them of my stolen money and they have no intention of complying with the law. I barely got through the month of XXXX as my only income was stolen, there many days that I had nothing to eat and my bills piled up, and being unable to pay them only made it worse as most bills have late fees that are applied. Comerica bank is no better than the thieves that stole my only income.
Consumer complaint received 2022-04-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Applied Data Finance, LLC (GA)

I am being charged an excessive amount of interest. I was offered an opportunity to refinance this loan with the promise that the interest rate would be reduced and it has not been reduced. I am paying {$190.00} bi-weekly and my balance has not moved. This is a UDAAP issue, this is also a predatory lender.
Consumer complaint received 2022-04-13
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. (WA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX 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
Consumer complaint received 2022-04-13
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # 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.
Consumer complaint received 2023-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (AL)

I applied for XXXX in XX/XX/XXXX. XXXX the XXXX servicer said they did a manual transfer request to Nelnet ( my current loan servicer ) XX/XX/XXXX. However, every time I call Nelnet they state XXXX has not requested a payoff for the loans. I believe Nelnet is doing stall Tactics to hold onto the loans and is mishandling accounts rather than transferring the loans. Please investigate because it should not take almost a year to get transferred to XXXX for the XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2015-11-04
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Real Time Group, Inc. (WA)

On XXXX XXXX 2015 a short sale file XXXX lien holder ( Real Time Resolutions ) submitted the file to the investor ( was told XXXX XXXX XXXX ) for possible approval of the short sale. Since then we have been waiting for their answer. We have been waiting over 2 months. In eight years of negotiating short sales I have never seen an answer take this long.
Consumer complaint received 2018-12-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST HORIZON BANK (NC)

I had an unauthorized transaction went into my account. The bank was XXXX XXXX XXXX   used a card that was closed out to push their transaction threw.it was for XXXX and left my account in the negative. All the bank could tell me is that because I owed the bill they let it go threw. They also let some other transaction for threw. So I think this is illegal transaction especially when the card they used was closed and I have an voicemail telling me they backdoor it to push it threw. XXXX has been trying to get it since XXXX and the bank denied all this time. Except this time why they let it go threw this time.
Consumer complaint received 2022-04-11
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. (NJ)

in accordance with the fair credit reporting act XXXX has violated my rights. 

15 u.s.c 1681 section 602a. states that i have a right to privacy.

150u.s.c 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2015-07-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: GVA Holdings, LLC (TX)

I applied for loan. I Was approved. Paid extra wire transfer fee to have the money wired to my account the next day because I was passed the deadline for that day. I signed the contract wile on the phone with the agent and she confirmed she received the contract and confirmed the loan would be deposited next day to my account. The next day the money was not deposited and I was told there was a " glitch '' and it would not be deposited till the next day. After confirming the loan would be deposited. I scheduled a payment on an overdue to come out. That bill came out of my account and has put my account overdrawn because the deposit was n't made. I feel like this is a breach of contract
Consumer complaint received 2021-05-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (OR)

I have my home loan thru Quicken Home Mortgage ( loan # XXXX ). Each year I ge an escrow shortage bill which dutifully pay in order to retain my current mortgage payment and each year this company says that I still owe money?? I paid that bill on XX/XX/2021. Today this company sent me a letter threatening me with foreclosure! I want this harassment to stop and show me legal justification for substitituting a new $ figure that does not correspond with the escrow shortage initial request. Along with hat offense that tack on a late fee which is illegal!
Consumer complaint received 2023-01-13
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. (IL)

My credit continues to be negatively impacted by this account and inaccurate credit reporting since XX/XX/2022. This account has been reported as a charged-off account continuously with no credit to the monthly payments being made. My issues began with this account after the initial XXXX occurred on XX/XX/2022, in which I was given XXXX days ( XX/XX/XXXX ) to pay the amount of {$2300.00}. The payment also included my next monthly payment. After the payment was successfully made on Friday, XX/XX/2022, the vehicle was returned to me. Subsequently, XXXX additional monthly payments were made and both were posted to my bank account on XX/XX/XXXX and then XX/XX/XXXX. There are also attached screenshots of those payments posted to my bank account as proof but never corrected on my credit reports after recovery. My credit report does not reflect any of these payments made since XXXX and still shows the account as a charge-off prior to being seized again today with no explanation. This is a clear violation of the FCRA and continues to negatively impact my credit as time passes.
Consumer complaint received 2023-08-21
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: EQUIFAX, INC. (MA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-08-07
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. (IN)

XXXX ; Experian and XXXX are reporting incorrectly a collection in the amount of {$1700.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This line item reports the Ownership as Joint '' and/or " Co-Signer. '' I did not sign any documentation for a lease term of any time frame with XXXX XXXX XXXX XXXX. This account does not belong to me and this incorrect reporting of a collection is harming my credit score. These line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.
Consumer complaint received 2019-08-07
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. (MD)

I have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information. 

They need to follow the guidelines of the FCRA 605 section and immediately remove all of the fraudulent activity.