davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
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. (NV)

I called the 3 credit bureaus after I purchased a credit report with XXXX and XXXX XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that these accounts must be investigated and updated XXXX XXXX XXXX XXXX  XXXX Balance {$870.00} ; XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX Balance {$4000.00} ; XXXX XXXX XXXX Balance {$33000.00} ; XXXXXXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$19000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$2500.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$39000.00}.
Consumer complaint received 2019-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Over the past several years my information has been compromised from a data breach from XXXX, XXXX, and most recently XXXX XXXX XXXX. I have placed fraud alerts on my credit file but yet I am still being victimized and now harassed by collections agencies concerning accounts that I have no clue about. When ask for Validation all they are able to send me are bills with my name on them or they will send me letters stating they have already addressed this matter with me and will continue to call, or write letters to me until this amount is paid. I have files police reports concerning this matter but yet the harassment continues.If the CFPB can not assist me in getting this matter resolved it leaves me no choice but to file legal actions against all parties involved in harassing me. I had to get a new back account because that too had been compromised. This has been going on for the past 7 years and these companies continual threats and negative marks on my credit report needs to stop and be stopped now!
Consumer complaint received 2019-07-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/2019 four transactions for XXXX store # XXXX for {$500.00} each occurred. On XX/XX/2019 a transaction at the XXXX XXXX XXXX XXXX in XXXX, TN for {$1000.00} occurred and then another for {$1000.00} at the same XXXX store occurred on XX/XX/2019. I then made a claim that all of those transactions were fraudulent on XX/XX/2019. On XX/XX/2019 Bank of America refused to cover the fraud claims and expects me to pay for the charges. I called to ask why they did not cover the charges and their only reason was that the purchases were not online despite the purchases not following my purchasing pattern.
Consumer complaint received 2019-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NV)

I was informed on XX/XX/XXXX that FedLoan Servicing who had handled my student loan had discovered a disbursement adjustment on a loan that was paid in full XX/XX/XXXX. The account has shown since XX/XX/XXXX to XX/XX/XXXX a {$0.00} balance. Once they discovered the error they posted a balance of {$220.00}. This amount however is not the the adjustment amount but it is the amount that was adjusted plus interest that was charged on that amount since I paid off the full balance on XX/XX/XXXX. I addressed with Fedloan how can you charge me interest from XX/XX/XXXX-XX/XX/XXXX with my account showing a {$0.00} balance the entire time. They stated they did not discover it until XX/XX/XXXX and I must pay interest on that balance. I was never informed of a balance or that I was accruing interest on the balance until after I have accrued over the 21 months. In other words they made an accounting error and discovered it 1 year 9 months later and I as the consumer I have to pay interest for the error.
Consumer complaint received 2019-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a Capital one card. Where I didn't make enough money at the time to pay the cards on time and was going through financial hardships and lack of financial education. All the cards went to collections, which I paid off the capital one and total visa cards. I set up another payment plan for the discover card.
Consumer complaint received 2018-06-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (PA)

I consolidated my loans in XX/XX/2011 and they are now being serviced by Nelnet. Their online system is terrible and there is no way to accurately track where my payments are going. The way my monthly payment is allocated changed in XX/XX/XXXX, and I did not receive any notification. The people I have spoken to indicated it may have been sent electronically, I received no email and there is nothing available in the online portal. 

I have also begun making extra payments, and they are not being allocated in the manner that I directed. Every time I call and speak to a different person, I get a different answer about how my loan payments are being allocated and why.
Consumer complaint received 2019-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

CAPITAL ONE- From XXXX, XXXX to XXXX, XXXX, I made numerous reports that my credit card reflected unauthorized charges. I had this card since XXXX and rarely used it as history shows. When I did use the card, the balance was paid off the following month. Attached is a copy of my credit score of XXXX from XXXX, XXXX. I filed a police report, then a restraining order as I quickly realized that this was a man I dated for a few months. It wouldnt have lasted more than a couple dates, but he was not easy to break it off with. I knew was using it because he paid his cell phone bill with my card. When I confronted him, he threatened harm to me and my daughter. He said he had connections with gang members and as I continued to pursue action against him, I started living in fear from the threats he made, he had hacked my computer, made constant drive-bys or waiting outside until police were were called. My credit card was replaced at least 6 times, but that didnt stop his ability to use it. Finally, the credit card company agreed to reverse the charges. But upon receiving my statement in XXXX, XXXX, they only reversed the charges beginning in XXXX, XXXX totaling {$2400.00}! My credit card was maxed from XXXX, XXXX to XXXX, XXXX leaving a balance of {$9300.00}. I only continued making payments in good faith that they would resolve this issue. After they reversed a measly {$2400.00} and as the threats were increasingly real, my familys safety was critical. He evaded being served for the restraining order over the course of several months and I was told that the police couldnt continue to attempt serving him, but that I would need to hire a server. We were living off of food stamps already, so I was was in no position to hire a server. Now they are seeking a judgement lien while I can barely make rent. Shame on CAPITAL ONE!
Consumer complaint received 2019-07-11
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: World Acceptance Corporation (GA)

The company World Finance was told during initial process by any means do not contact my employer. They called on XX/XX/XXXX for the 3rd time. When I called their corporate I was advised it was in fact noted to not contact my employer by any means.
Consumer complaint received 2021-06-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingUSA (GA)

I tried to reach out to Lending USA. They confirmed that my account shows I only had three deferments which totaled {$960.00} because my XXXX funds where messed up during those times and I notified them of those issues in advance. 

I was set up on auto drafts once my XXXX income was corrected. My monthly payments was {$320.00}. I called to get my last payment date when one rep told me to call on XX/XX/2021 to pay {$320.00}. And now my final bills totals {$1700.00} for past due balances that I was never aware of cause every month only {$320.00} would be auto drafted from my bank account. I don't understand how three deferred payments ( {$960.00} ) doubled to ( {$1700.00} XXXX like that. Its not my fault that their automatic system drafted my payment on the days that it did. 

I strongly believe that my final payments on XX/XX/2021 should only be XXXX which makes up for the three deferred payments I had.
Consumer complaint received 2016-06-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (IN)

There is a loan for which I co-signed for a college student. This student has had very a difficult time repaying the loan. He has contacted Navient on numerous occasions to try to restructure this loan to make it easier for him, but they will not help him. He has XXXX XXXX XXXX, and the cost for his insurance and XXXX take the majority of his monthly income. Navient services this loan. If he is less than a week behind in making his scheduled payment, Navient begins calling me. As the past due time continues, they may call me 3-6 times in a day, calling my home as early as XXXX or as late as XXXX, calling my business provided cell phone the same number of times. They will not work with him to adjust the current terms, and will not consolidate this loan with his other loans to create new terms.. on loans which they also service. Currently this loan has a payment that is scheduled to be made from the student 's bank on XXXX XXXX 2016. When this payment is made his account will be current ( at least for now ). Despite this arrangement, which I have had Navient confirm for me over the phone, they call me a half dozen times a day demanding payment. 
There was a time when I was willing to take this loan over and just pay it to stop the calls and the stress ( I am not going this route currently, as I need the student to take responsibility for his loan ). However, at that time, I begged Navient to adjust the terms of this loan for which they were holding me accountable. They would not adjust anything on the loan to meet my needs and financial situation, despite holding me responsible for the repayment of the loan.
Consumer complaint received 2021-06-15
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: EQUIFAX, INC. (AL)

Equifax is reporting a bankruptcy on my credit report. The bankruptcy has incorrect information and is unverified. I disputed the bankruptcy. Equifax responded that the account was verified as accurate through a 3rd party company, XXXX. Equifax is NOT allowed to verify information on my report with a 3rd party who has the information wrong. Only the original source can verify the account. The original source is the bankruptcy court, who has confirmed to me that they do NOT report or verify ANY information with credit reporting agencies. Therefore, this information was verified illegally with XXXX.
Consumer complaint received 2019-07-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (VA)

The bank Chrysler Capital has my car kin and is now trying to say they only received half payments from XX/XX/XXXX to XX/XX/XXXX and its absolutely incorrect this is the worst bank iv ever dealt with Im waiting on card statements for my prof but they now have it as 120 late and in the loss and recovery Dept amd status as a repossession something needs to be ASAP about this bank this is the second time they have done this to me and they have not contacted me nor sent any notices about these half payments nor a repossession in progress they also have never reported my payments monthly to the credit bureaus they have actually hurt my credit more than helping I cant afford a lawyer but will not let them lick this car yo til I get my statements to show there was always whole payments made there was some months I did half and half but they r trying to say only got half and its XXXX XXXX and there just saying from XX/XX/XXXX or XXXX to XX/XX/XXXX this meds to be looked into ASAP please thanks XXXX I could have sued the sewer and this bank for contract fraud but didnt go forward my whole contact is messed up sorry saying half payments since XX/XX/XXXX and I can share any document yet waiting to get them by mail but the car is in a repossession status now
Consumer complaint received 2019-10-11
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Adjustment Service, Inc. (NY)

I have already had to file a complaint against diversified adjustment service with the BBB because they were threatening my credit report and refused to allow me to dispute a debt they keep calling me over. I advised them I am disputing the debt and they will not allow me to do so. Now they constantly call my phone to harass me. I have told them 4xs now to stop calling my phone and they will not. This is harassment and I want it to stop. I just called XXXX XXXX today and advised XXXX the third party they sent information to is harassing me and I want it to stop as I have been making monthly payments to XXXX XXXX for a past due balance. XXXX XXXX  gets $ XXXX as we originally agreed to before they placed my account in collections and I am now being harassed and it is against the FDCPA to continue to call and harass a consumer after they are told to stop and after I advised them I am disputing the debt. They are to not call me for 30 days while they investigate the dispute in which they have failed to do. I want a validation and verification of debt from Diversified Adjustment and I want them to stop harassing me. I have already asked 4xs to stop.
Consumer complaint received 2021-12-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NFM, INC (LA)

Our home was damaged during Hurricane Ida ( XXXX  ). We received insurance funds from our insurance company in early XXXX. The check was made out to myself, my husband and our mortgage company NFM. We endorsed the check and mailed it overnight to NFM on XX/XX/XXXX, included with the check was a self addressed overnight envelope. 

On XX/XX/XXXX, I contacted NFM to find out the status of the check as we had not received it back yet. At this time, we were told that because our loan was being transferred on XX/XX/XXXX, the check had been endorsed but was sent to the new mortgage company. I was provided the new servicers name, phone number and the tracking info for our check. 

1. As of XX/XX/XXXX we had not been informed- aside from verbally - that our loan was being transferred 2. the check for repairs was made out to NFM XXXX myself and my husband. The new servicer will have no ability to do anything with the check and mailing it to them is simply delaying our ability to finalize the repairs to our home. 
3. as of XXXX I contacted the new servicer and they have no record of myself, or my husband or our loan as our loan has not transferred to them yet. 

We are at a loss about what we can do to get this resolved, and do not wish to assume the financial responsibility of legal counsel unless needed.
Consumer complaint received 2018-05-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: General Motors Financial Company, Inc. (TX)

I have called directly to Gm Financial about why since XX/XX/2017 they stopped reporting to my loan I have with them, and they alw as us say the same story, soon is what they say, i question them and get no results on what date and why they stopped It's been several months now and I'm trying to repair my credit
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 2021-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NJ)

I have sent proof from creditors PayPal showing I never had a credit card with them. This was in the form of a letter the creditor seen me. They kept opening account after account now they have me in charge off on an account I never had. The cant produce an application for this account that is now illegal in charge off. The have no application with my signature showing I never opened account with them. The letter they send said I am not responsible for any account that it was fraudulently opened. They play around and lie. I have filed charges against them with the attorney general. They have ruined my credit the credit bureaus dont correct these illegal mistakes
Consumer complaint received 2016-07-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Colony Brands, Inc. (CA)

Someone stole my identity and used it to open a fraudulent credit card with Montgomery XXXX to purchase merchandise. The first time I heard about, I received an invoice from Montgomery XXXX for products that were shipped to a different address than mine. That should have been a " red flag, '' which they ignored. I contacted them by telephone to advise them about the fraudulent credit card. They promised to take action and did nothing. Since advising their credit department, I have written several letters explaining the situation. However, they actually let the criminals charge more goods, and continue to send me invoices and reminders about payment. I am at wits end. Today, I received a letter from them stating that they have heard nothing from me, which is a lie. I believe they have tossed my letters into the trash and continue to harass me. I wonder if Montgomery XXXX is a legitimate retainer, or a scam organization. Please let me know what I have to do to get these predators out of my life.
Consumer complaint received 2019-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In XX/XX/XXXX, a payment to a CapitalOne Credit Card was submitted late. At the time of that my APR was 23.24 % and the card balance was {$15000.00}. Since then, CapitalOne - without any notice - increased my APR to 31.65 % and applied this new APR to the entire balance that was there prior to the increase. That is a direct violation of the Credit Card Act of 2009, as creditors CAN NOT increase APR without first providing written notice of it, and this new APR can only be applicable to any new purchases since the date of the increase. Lastly, an account must be delinquent for over 60 days for a creditor to be able to increase APR on said account. I have tried to resolve this issue directly with the creditor since, however to no avail.
Consumer complaint received 2019-07-11
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. (CA)

Re : Request to describe method of verification To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$4000.00}, {$7600.00}, {$9000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

2. XXXX XXXX  DELAWARE with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7600.00} -This is not my account. 






-COLLECTIONS- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account.