davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nelnet, Inc. (CA)

I received a letter in the mail in XXXX of XXXX from XXXX XXXX XXXX. and it said I could get help to payoff my private student loans. Being a naive, fresh out of college XXXX XXXX year old with thousands of debt, this offer sounded like the solution I didn't know I was looking for. 

Unfortunately, I fell into the trap and filled out forms, information, and sent my own bank info via email communication to have this company, XXXX XXXX XXXX, handle all of my private student loan payments. They offered me a lower monthly payment than what I was paying my XXXX loan provider, and I thought this was a good deal. In turn, I was supposed to ignore all communication from student loan providers and let XXXX XXXX XXXX. know of any contact from them. They sent me an agreement with all the dates that a transaction of {$140.00} would be taken from my account each month, beginning XX/XX/XXXX which would be used to put forth towards my private student loan while they worked on lowering my overall loan rate to have a faster payoff, and by XXXX, with my last payment scheduled XX/XX/XXXX, I would be debt free. With over {$3000.00} in payments to this XXXX XXXX XXXX. ( ending in XXXX of XXXX due to closing my XXXX  account ), all I received from my private loan company, XXXX XXXX, were phone calls, emails and warnings because I was missing payments. Little did I know, this was a scam and it wasn't until much after I realized my credit score had been altered significantly that this program was not going to help me eliminate my student loan, only further put me in more financial trouble. 

Luckily, I still have copies of forms and communication with XXXX XXXX XXXX, but I would really like to be able to get this cleared from my credit score, if those missing payments from my loan provider can even be excused. My mistake of falling for this scam and not sending over 20 student loan payments has resulted in a significant lowering of not only my credit score, but also my mother 's who is a co-signer on my student loans. I am not sure if this can ever be removed, but the detrimental impact on my credit score will be a financial burden I will have to face the consequences for along with my mother. I was unaware that I could even report this type of fraud until I embarrassingly admitted my mistake to my mother when she questioned why her own score had dropped. Hopefully, this will stop others from falling for the same scam that I fell for and other like this that are unfortunately out there in the world.
Consumer complaint received 2022-06-11
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: EQUIFAX, INC. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

Please rectify the error on my account by removing the incorrect late payment notation. I have always made timely payments and have never defaulted. This issue is significantly impacting my well-being and disrupting my sleep. I implore you to address this matter promptly and correct my account.
Consumer complaint received 2019-09-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America ( BOA ) Over Draft Fees I had a scheduled credit card payment to be debited from my BOA checking account on XX/XX/2019 to be submitted to my BOA credit card. ( My BOA credit card payment was due on XX/XX/XXXX ). The payment arrangement was made on Thursday XX/XX/2019, at approximately XXXX XXXX via the BOA mobile app and the funds was scheduled to be debited the following day, Friday XX/XX/2019. The credit card payment was debited from my account almost instantaneously and which caused my account to have a {$0.00} balance. There were other payments scheduled to be debited from my account, those payment were processed, one of the payment was for {$20.00}. As a result of BOA erroneously debiting the amount from my account, I was charged four overdraft fees of {$35.00} each totaling {$140.00}. 

I contacted BOA customer service line, after waiting on hold for over forty minutes I got a hold of a representative. She was rude, feisty and question me about why I couldn't afford the overdraft fees. The representative agreed to refund one of the {$35.00} fee. I requested to speak with a manager, the rep. agreed to transfer me to a manager, placed the call on hold for couple of minutes then hung up. 

I called BOA customer service a second time, the automated answering service provided the option for me to receive a return call which I opted for. The second representative I connected with was very professional and sympathetic to the situation when I informed her that the {$140.00} fee is equivalent for two full days work for me and the money was to be allocated to my electricity bill. The representative stated that due to BOA policy the fees will not be refunded.
Consumer complaint received 2019-09-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (TX)

I was in a dire need for money to cover some immediate medical expenses and found this company online. I applied via phone call to Blue Trust Loans ( a.k.a. XXXX Hummingbird ) The Loan amount was for {$1300.00}. I was explained the payment plan was laid out to be 6 payments of {$370.00} taken out each payday via ACH to pay back the loan. I have now paid back over {$1800.00} to this company and called them to find out how many payments are left and to see how much principal was still left to be paid and to make arrangements to pay off the remaining principal. At that time the person at Blue Trust Loans told me I have to pay all of the interest on the loan on top of the principal which comes to a total of {$6600.00}. The APR applied to the account is 635.03   %. They will not allow me to pay off the principal on the loan and said I must pay all of the interest. I have already paid {$500.00} over the actual loan amount and they refuse to allow me to make arrangements to pay off my principal balance. This is absolutely criminal and predatory and they have to be stopped.
Consumer complaint received 2023-03-20
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. (FL)

VIOLATION OF FCRA VIOLATION OF FCRA VIOLATION FCRA 15 U.S. Code 1681i Hey good day the credit bureaus has Exceeded the 30 days to do an full and thorough investigation on the inaccurate information being reported on my credit report the bureau failed to provide the full information on the investigation of the inaccurate accounts along with the contract agreements with my signature and proof that the inaccurate accounts being reported belongs to me. ( Account listed below ) : Inaccurate Accounts : XXXX XXXX XXXX Account number XXXX, has violated my rights. 

XXXXXXXX XXXX XXXXXXXX Account number : XXXX THIS IS AN VIOLATION UNDER THE FCRA AND DEMAND THAT THE TWO BUREAUS REMOVED THE INACCURATE ACCOUNTS OFF OF MY ACCOUNTS IMMEDIATELY THERE VIOLATING THE LAW 15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX
Consumer complaint received 2019-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank (WA)

Hi I called to close my first progress credit card account XXXX after depositing XXXX USD cash a few years ago. I'm owed a remaining balance of XXXXUSD. After called numerous times since XXXX and spoke with supervisor XXXX who said they would sent the check but I have yet to receive it however I'm able to get a monthly statement from first progress. 
Called : XXXX closed XXXX Spoke with XXXX - XXXX with XXXX - XXXX Spoke with XXXX - XXXX Spoke with XXXX - XXXX Spoke with XXXX XXXX Spoke with XXXX - XXXX Spoke with XXXX - I've to receive the balance owed and overpayment. Need assistance
Consumer complaint received 2021-06-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (NC)

To Whom It May Concern : Per XXXX news ... If you were a victim of Santander, Atty General XXXX XXXX encourages you to reach out to his office, as even if you don't get part of the settlement money, they do have ways to help clean up your credit, XXXX XXXX at Atty General Said Nothing to be done ...??? 


XXXX Million dollar lawsuit settlement with Santander USA, my name was not on the list with XXXX XXXX, NC Atty Gen said it is based on my Credit Score on that Day, I had filed a Ch. XXXX Bankruptcy, my home was foreclosed ( XXXX XXXX  XXXX, You have my complaint on them too ) not given a Loan Modification, either ) ... car was bought from the infamous XXXX, XXXX, NC in XXXX of XXXX. ( LOANS FROM XX/XX/XXXX through XX/XX/XXXX, I QUALIFY ) for Restitution. I was a victim ... How was I not qualified??? 


My loan number with Santander is : XXXX, astronomical interest, still owe XXXX, I am XXXX  with XXXX XXXX and Serious XXXX XXXX ... I gave up my career to care for both of my parents from XXXX to XXXX, got in a bad place financially doing so, have been gainfully employed since ... I have been serving to care for others as a XXXX, XXXX XXXX during Covid ... I need Restitution, Deficiency waiver, loan forgiveness and or CLEAR title ... Can you help me please??? Investigate this ... .I NEED Why was I not qualified??? 
Resitiution Wanted : I want a Clear Title or a normal interest rate and this ends XX/XX/XXXX ( and Clear Title ) Please ... 
Sincere Regards, XXXX XXXX XXXX ***Please see other Complaints like mine : Posted by XXXX XXXX XXXX XX/XX/XXXX I have had some of the same issues like everybody else. How do I get in on this class action law suit? 
Posted by XXXX XXXX on XX/XX/XXXX I have paid off this car 3 times and I am sick that we still owe almost what we bought it for. 
Posted by XXXX XXXX on XX/XX/XXXX I want to participate in the class action law suit, they have called me sometimes 3 to 4 calls per day on my lien Posted by XXXX XXXX on XX/XX/XXXX I contacted Santander Consumer on XX/XX/XXXX to voluntarily surrender the vehicle that I had financed through the company. I provided them with the location and where the could find the key. Its been almost 3 months and the still have not come to get the vehicle, but are still reporting a delinquent balance to the credit bureau. The vehicle was a XXXX XXXX XXXX that I purchased in XXXX and still somehow owed $ XXXX. 
Posted by XXXX XXXX on XX/XX/XXXX Please add me to this class action lawsuit. I have the same situation. 
Posted by XXXX XXXX on XX/XX/XXXX I filed attorney general complaint in N.C. for violations of finance contract being over the legal limits NC GS 25A-15. The legal limit on interest rate for credit installment contracts is 18 %. 
Posted by XXXX XXXX on XX/XX/XXXX {$10000.00} dollar auto loan with {$3000.00} down all payments on time still owe over XXXX how is this possible?
Consumer complaint received 2019-09-06
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. (MA)

I disputed this XXXX  account on my credit report with the original creditor and they told me that the account was sold to a company called XXXX XXXX XXXX XXXX, and that they were not the ones reporting anything on the account to the credit bureaus. I contacted XXXX XXXX XXXX XXXX and I was told that the account was placed with them but that they werent the ones reporting anything to the credit bureaus either, so I have no idea what is going on, I would like to get this account deleted since any of the two companies arent responsible for reporting it, I received a letter by mail from XXXX XXXX XXXX XXXX saying that they are not reporting anything to the credit bureaus and to contact XXXX. I also dont understand why, I called XXXX and they always tell me that XXXX XXXX XXXX, purchased the debt, then if the debt was purchased by them, they should be able to delete it or at least validated and provide me with the original contract bearing my signature or if there is a contract between me and this company I would like to see it.
Consumer complaint received 2019-09-06
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. (MA)

I disputed this XXXX account on my credit report with the original creditor and they told me that the account was sold to a company called XXXX XXXX XXXX XXXX, and that they were not the ones reporting anything on the account to the credit bureaus. I contacted XXXX XXXX XXXX XXXX and I was told that the account was placed with them but that they werent the ones reporting anything to the credit bureaus either, so I have no idea what is going on, I would like to get this account deleted since any of the two companies arent responsible for reporting it, I received a letter by mail from XXXX XXXX XXXX XXXX saying that they are not reporting anything to the credit bureaus and to contact XXXX. I also dont understand why, I called XXXX and they always tell me that XXXX XXXX XXXX, purchased the debt, then if the debt was purchased by them, they should be able to delete it or at least validated and provide me with the original contract bearing my signature or if there is a contract between me and this company I would like to see it.
Consumer complaint received 2022-10-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: General Motors Financial Company, Inc. (IL)

GM Financial I paid on time for all of my mease payments I was approved to purchase the car at the end I gave the dealer a XXXX payment I signed documents Car was under XXXX XXXX XXXX GM Financial decided they can take the vehicle and sell it during COVID when they were getting double on the cars- and make money from me making pay for milleage NO I was already approved to get the vehicle and they did not want to give it to me- Oh they are saying they did not approve it NO they did approve it the deal was closed Crooked dishonest people and the dealer said the same
Consumer complaint received 2023-03-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report that I believe are inaccurate or unauthorized. As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and complete credit reports, and I believe that the items in question do not meet these requirements. 

Specifically, there are several unauthorized inquiries listed on my credit report that have reached the statute of limitation, including XXXX, XXXX, XXXX, XXXX, XXXX & XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, and XXXX. I did not provide authorization for any of these inquiries, and I have no knowledge of them. 

In addition, there are several accounts listed on my credit report that do not belong to me, including XXXX  ( account number : XXXX ), XXXX XXXX XXXX  ( account numbers : XXXX and XXXX ), XXXX ( account XXXX : XXXX ), XXXX  XXXX  ( account number : XXXX ), XXXX  XXXX ( account number : XXXX ), and XXXX XXXX  ( account number : XXXX ). According to the FCRA, credit reporting agencies are required to maintain accurate information, and any information that is inaccurate, incomplete, or unverifiable must be promptly removed or corrected. 

Therefore, I am requesting that you investigate these items and take appropriate action to remove them from my credit report. I have also included a copy of my credit report with this letter for your reference. 

Thank you for your attention to this matter. I look forward to receiving your response within the timeframe specified by the FCRA. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-04-13
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NJ)

I obtain a car loan with Wells Fargo in XX/XX/XXXX for 48 months. In XX/XX/XXXX, Wells Fargo is reporting I was 30 days late on two different occasions in which my car payment was never 30 days. I sent a letter disputing the report, their response asked for documentation in which I provided bank statements showing the debits from my account. Wells Fargo refuses to report the correct information. Wells Fargo also refuses to provide a contact number or email to their Credit Dispute Center. A fax number is only available.
Consumer complaint received 2021-12-06
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Thaxton Investment Corporation (KY)

I am late due to other bills automatically taken out of my account and i will pay them but they have been calling me and my fiance from their personal cell number and also contacting me at work when i have asked them not to numberous times because i cant take personal phone calls at work, i am not going to try to get out of paying them but i havent had the money to do so at the moment.
Consumer complaint received 2019-09-06
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. (LA)

XXXX XXXX told me they can run my credit as long as I owe them without my permission this is for a debt from 2016
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

Mortgage in forbearance currently began process of ending forbearance and having balanced defer. Spoke to loan company that it has been longer then 30 days they said they are aware and they are processing deferral of any balances and that it should not show as delinquent on our credit. Explained to loan company we are showing delinquent payment more then 30day they, loan company, agreed that this should not be showing on credit as delinquent as they are still processing deferral instructed us to dispute this reporting to credit bureau.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Dear CFPB- Thank you for taking the time to hear my complaint. 

1 ) An EDD Bank of America was created while I was a resident in XXXX XXXX an est 15+ Years ago. 

XXXX ) I made multiple attempts to close the account when I moved from XXXX XXXX CA to XXXX XXXX XXXX California over a 10 years period. Multiple attempts to close the account were made to California 's EDD Dept., at a Bank of America branches and then finally the Banking Commission.

3 ) After contacting the Banking Commission a representative from Bank of America contacted me. He said there's nothing they can do, I need to contact California 's EDD office. This was two years ago. 

XXXX ) Today, XX/XX/2023, I receiving another Bank of America statement. 

Any help in closing this account would be most appreciated. 

Sincerely, XXXX XXXX.
Consumer complaint received 2019-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (TN)

Professional Debt Mediation , Inc., is sending me to collections for the sum of {$5300.00} account number XXXX for an apartment that I did not lease. I have attached a copy of the Final account statement dated XX/XX/2018 from XXXX at XXXX XXXX. The lease agreement shows an eviction for non-payment of rent for Unit XXXX. The name of the persons this Final account statement was addressed to is : XXXX, XXXX and XXXX, XXXX. My name is XXXX XXXX XXXX, not XXXX XXXX XXXX. In the past, I leased apartment number XXXX. I witnessed the apartment complex manager physically remove my name associated with any issues concerning Unit XXXX, however, I am receiving collection notices from Professional Debt Mediation , Inc. XXXX XXXX was born in XXXX, XXXX. I was born in XXXX, XXXX. I have been in communication with XXXX XXXX at XXXX at XXXX XXXX to help resolve this issue. Her direct number is XXXX ext XXXX. This is clearly an issue of mistaken identity. This debt is not mine ; I do not owe this, and this collection needs to be reversed. I have contacted XXXX at XXXX XXXX directly to fix this however, I have not been successful.
Consumer complaint received 2020-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/2020, I visited the TransUnion website to obtain a free credit report. I didn't need this report, I was just curious what my score would be. I clicked the most prominent button offering what I wanted, and filled out my personal information. There was no mention that I noticed of any charges I would accrue, but after finishing the signup process, I got an email of a receipt stating that my credit card had been charged {$24.00}. I did not want this service, I only wanted a free credit check, but instead I was duped into buying something I didn't need or want.