davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: ENCORE CAPITAL GROUP INC. (NJ)

On XX/XX/XXXX I and my financial advisor contacted XXXX XXXX  requesting to close out my credit card. XXXX XXXX  was the issuing bank for XXXX XXXX. On XX/XX/XXXX I made a payment of {$120.00} which reduced my balance to {$350.00}. My financial advisor pointed out that the statement dated XX/XX/XXXX disclosed that XXXX XXXX  charged me {$200.00} in fees and {$56.00} in interest for the year up to that point. My credit limit was only {$250.00} and I had not used the card to do any purchases in quite some time. My financial advisor also pointed out that the disclosure of interest of 29.24 % per annum on purchases was deceivingly displayed when in fact the finance charge was strictly calculated on fees that XXXX had been charging me. XXXX did not comply with my request to close out the account and continued charging excessive penalties and fees and eventually charged off the account XX/XX/XXXX and assigned it to Midland Credit Management. The annual percentage rate when factoring the fees is probably over 1000 %. Midland Credit Management has threatened wage garnishment and as new owner of the debt needs to justify why XXXX XXXX  refused to close out my account. My financial advisor is willing to sign an affidavit disclosing the date and person spoken to when I requested the closeout.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (MI)

I purchased XXXX  Tickets on XX/XX/2023 for the amount of XXXX over XXXX me an Additional XXXX taking my charges to {$810.00}. I filed a Dispute with My Chime Banking. XX/XX/XXXX I was credited XXXX then on XX/XX/2023 {$400.00} was reversed out of my account after being over charged putting my account into a Negative - {$370.00}. I contact the Banking service and asked why they reversed payment when I sent in proof of documentation and they couldnt give a response just kept saying it was a reversed payment, after giving proof I was over charged on a purchase.
Consumer complaint received 2017-07-20
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Jonathan C. Frank & Associates, LLC (FL)

The company Jonathan C Frank and Associates at the phone number XXXX has repeatedly contacted my parents at their home number AND personal cell number about a matter involving me that is " an urgent legal matter ''. I have no idea how they got my parents contact information but they have been harassing them and that is a violation of my privacy. Also, they have called my job as well and I have had to explain this to my HR dept. They contact my parents on XXXX XXXX, XXXX XXXX and XXXX XXXX. They contacted my job on XXXX XXXX and XXXX XXXX. They do not say what the matter is regarding only to say " It is an urgent legal matter ''. Like I am being wanted for XXXX! I have discussed this with my credit lawyer and he said we could sue but its best to just report a complaint first and see if that helps. Any help is appreciated.
Consumer complaint received 2022-12-01
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. (NY)

1 ) In accordance with the Fair Credit Reporting act, the following accounts that on my credit report are a violation of my rights : the account in question is XXXX XXXX XXXX  Account number XXXX Reporting to ( Transunion XXXX XXXX ), XXXX XXXX XXXX Account number XXXX ( Transunion XXXX XXXX ), XXXX XXXX XXXX Account number XXXX ( Transunion XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Account number ending XXXX ( Transunion XXXX ) in accordance to 15 U.S.C 1681 section 602 A. States I have the right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions and was not authorized by me. 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all agreed to remove the late payments from y credit report and remove their accounts from my credit report. 3 ) I HAVE NOT BEEN SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715, 719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS I request that these late payments and accounts be removed from my reports. Asap
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3700.00} ; 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
Consumer complaint received 2021-07-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MT)

I had a little over {$23000.00} in student loans when I graduated in 2017. Upon entering the workforce as a temp, my repayment plan was still paused until 6 months after graduation. When the bill started coming due, I was working 40 hours a week at {$8.00} an hour, which comes out to about {$1000.00} dollars a month. My rent was {$750.00}, my car insurance was {$200.00}, and any other costs of life added to more per month than I was making. When I requested an income based repayment plan in XX/XX/2017, all I could pay was interest. I was making no headway on my actual student loan bill, instead my hard earned money was going into the pockets of a company that had zero desire to offer me other solutions. They make money off people who can't pay their bills, it's predatory lending at its finest. This is absurd. I am officially down to {$18000.00} in total after consistently paying on them for 4 years. All I've managed to pay is a total of XXXX dollars because the majority of my bill went to paying interest on a loan I didn't know would be making money to wealthy CEOs. Fix this broken system.
Consumer complaint received 2021-07-21
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. (GA)

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 ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES.SECTION 611 ( a ). IT IS PLANLY ATATED THAT A FAILURE TO INVESTIGATE THESE ITEMS WITHIN 30 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THOSE ITEMS FROM MY CREDIT REPORT.I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY, MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE HANDS OF THE WRONG PERSON
Consumer complaint received 2015-05-21
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I had been working with Carrington Mortgage company since XXXX 2015 on a mortgage loan. I had been pre-approved for {$170000.00}. I was working closely wiht the mortgage loan officer. We finally got a closing date of XXXX XXXX, 2015. On XXXX XXXX, 2015 the mortgage loan officer called and said they needed a few additional days as XXXX of the loan processors was in the hospital. My realtor had me sign a extension contract, extending the closing for XXXX days. XXXX days after the extension was signed I got a call from the mortgage loan officer telling me I would not be getting the loan.
Consumer complaint received 2022-12-01
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arnold Scott Harris, P.C. (IL)

I keep receiving call from Arnold Scott Harris, a debt collector for the City of XXXX for unpaid parking tickets which I do not owe for any. Today was my second attempt notifying them to remove my telephone number from their database. I explained I have a business license with the City of XXXX and one of the requirements is that you can not have any outstanding debt with the city.
Consumer complaint received 2017-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PENTAGON FEDERAL CREDIT UNION (WI)

If you look at my payments and their effects on my XXXX XXXX Balance, you will notice they have been going down. For instance, for statement closing date XX/XX/XXXX, it was {$1900.00}. For the next statement, XX/XX/XXXX, it went down to {$1700.00}. The next statement, XX/XX/XXXX, it was {$1500.00}.
However, per the XX/XX/XXXX statement, despite there being no cash advances on my part, or even purchases, PenFed XXXX up my XXXX XXXX  balance to {$2700.00} - an increase to {$1100.00} or 74 % increase.
I called on XX/XX/XXXX and was on hold for a little over 12 minutes. I then e-mailed PenFed. I got a response that they would get back to me in 2 to 3 business days, but PenFed has not contacted me.
Consumer complaint received 2016-01-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

XXXX XXXX XXXX, XXXX Acct # : XXXX Date Reported : XXXX/XXXX/2014 Balance : {$0.00} Past Due : {$0.00} Acct Status : 120+ DAYS PAST DUE this account was apparently transferred to another lender sometime ago, so how can current acct status be showing as late?? this is inaccurate
Consumer complaint received 2022-12-01
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. (RI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XX/XX/2021 XXXXXXXX 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 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
Consumer complaint received 2018-05-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (KY)

To Whom It May Concern : I had two loans described below : 1 ) Stafford for {$4200.00} 2 ) DL Stafford for {$4900.00}. 

The school was either XXXX XXXX or XXXX XXXX XXXX XXXX XXXX. 

I paid of the full balances of these two loans about three years ago. Since then, XXXX XXXX XXXX kept sending me generic notices confirming that my loans were paid off and that I had no payment due. I kept meaning to call them and ask them to stop sending me these notices in order to save the paper, but it took me awhile. I finally did that today on XX/XX/XXXX. When I asked them to stop mailing these notices, they said I had a balance. I was shocked! I do not think there is any possible way that could be accurate. I told them that I have been receiving these notices ever since I paid off the loans, and they all say the same thing : that I have a XXXX balance with no payment due. One of the latest notices I got, which is right beside me now, shows the two loans and states at the top : PAID IN FULL NOTIFICATION. 

However, the customer service agent at XXXX XXXX told me that I owed interest of {$71.00} and an additional {$13.00}. Where on Earth did these amounts come from after three years? And why didn't they ever send me a notice clearly stating this? They never did, and now they expect me to pay this so-called interest that's been accumulating all of this time. Interest that's been accumulating on what, I am not certain. As I said, I paid these off in full in XXXX. 

I believe this practice of XXXX XXXX to be completely deceptive and disreputable. I told them that it must be their error, and they did not offer to adjust it or to listen to my explanation, for that matter. 

Of the two most recent notices I received, one was the paid-in-full notice mentioned above. The other one says monthly bill at the top. These are the same notices I've been receiving for the past three years. These bills always had a bunch of zeros on them, which is why I stopped paying attention to them and why I asked XXXX XXXX to stop sending them to me, in order to save the resources. When I looked more closely at this current " bill, '' it shows {$71.00} in the Current Balance box. I still do not know where this amount came from. I am certain it is an error. If it is not, XXXX XXXX must do a much better job of alerting their customers, in my case former customer, of any remaining or outstanding balances. It is not an ethical practice to state zero balances for years and then to suddenly show a balance that didn't exist before. It is also a very unsound and incompetent reporting process to state loans are paid in full and no payment is due but then contradict and state that I now owe interest. 

Please help me resolve this issue with XXXX XXXX, not just for my benefit but for every customer they now have or will have in the future. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-01
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX OH XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$820.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$90.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (ME)

I have a Discover credit card and they have recently put missed payments on my credit report which are not my fault. I changed banks, updated my payment information in their system, and they never ran the payment when they were supposed to. They continued charging my previous bank despite having the information for my new bank and are trying to hold me accountable for their mistake. They are claiming that I only created a one-time payment with my new banking details and that I never set up automatic payments with my new banking details. This is not true. I never would have left their website without having done that. That's specifically why I went to their website that day. They could have run my payment details at any time. I have escalated through their chat support and through their phone support. They refuse to fix the error on my credit report on the grounds that it is accurate.
Consumer complaint received 2017-07-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: LendingPoint Holdings LLC (AL)

I was using XXXX XXXX to attain a loan. XXXX XXXX was very easy to use. I selected a low interest personal loan from XXXX XXXX and started the process via the internet. The very moment I selected the loan I wanted Lending Point LLC out of Georgia contacted me via email and phone within minutes of me selecting XXXX XXXX. I was convinced by Lending Point that they were my lender. So I began the process with Lending Point thinking they were my lender. I had simultaneously filling out all my information with XXXX XXXX to complete that loan process. Since Lending Point LLC was contacting me directly I thought they were my only lender at the time. Once the loan was finalized with Lending Point LLC I noticed they never revealed the interest rate that I was getting. On the final paperwork I see that the interest rate was 31 % and XXXX XXXX was saying I could attain a loan between 10-12 %. At the time I needed the money so I signed the paperwork with Lending Point LLC. When I signed that paperwork XXXX XXXX sent me a confirmation email saying they had confirmed the loan I selected and the money would be on its way 3-5 business days. It did not occur to me that I had completed two loans. XXXX XXXX was my original choice and their interest rate was around 11 %. XXXX XXXX is the lender I wanted to begin with. Lending Point deceived me and I want them to know their strategy is evil. I am sending this because people at times need money and they are vulnerable to these evil Lending Point tactics. After the 3-5 business days my bank account has two credits. One from XXXX XXXX and one from Lending Point. I only wanted XXXX XXXX low interest rate offer. Lending Point pushed me to get theirs.
Consumer complaint received 2022-12-01
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. (AR)

In accordance with the Fair Credit Reporting Act. The list of account below has violated my rights to privacy and confidentiality under 15 USC 1681, 15 U.S.C section 602 A, 15 U.S.C 1681 604 section 2, 15 U.S.C 1681c and 15 U.S.C 1681S-2 1. XXXX XXXX # XXXX 2. XXXX XXXX # XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX  - # XXXX 5. XXXX - # XXXX
Consumer complaint received 2022-12-03
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: NCD Financial, LLC (FL)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-01
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: EQUIFAX, INC. (GA)

I need to get a balance sheet stating the payments made after account was closed. Also need current balance and status of account on company letterhead.
Consumer complaint received 2018-05-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (PA)

Called GM Financial three times asking when they were going to send in an update to the credit bureaus reporting that my car loan was paid off. Every time I kept getting the excuse that it would show up next month as paid off. I paid off my car load XX/XX/2018 and have received the title. My third call to GM today, XX/XX/XXXX, the customer service rep admitted that the new system they instituted was causing compliance problems and they could not get it through electronically. My credit score is negatively impacted because of this delay as it still shows an outstanding car loan balance reported on ALL THREE credit bureaus!
Consumer complaint received 2022-12-15
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. (HI)

In accordance with the Fair Credit Reporting act XXXXXXXX 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