davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-13
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CURO Intermediate Holdings (TN)

I have an account with speedy cash - It is an opened XXXX loan with daily interest. I have been paying on it the XXXX and the XXXX every month. Even while out on XXXX leave- I recently was unable to pay and was sent to collections. 
I assumed that the since I was not paying on it and it was in collections that I would no longer be charged interest. That is not the case - I contacted them today to see about a payment plan and was told that I am still being charged interest daily- I advised that this was unfair- they misunderstood me and thought I was requesting the interest to be suspended until I returned from XXXX leave. I advsied that I was requesting it to be suspended idefenltily. Why continue to charge interest if you are not receiving a payment- You are going to cause me to owe double. In fact they stated that too - trying to scare me into making a payment. 
I can understand charging interest on a good account, but when a consumer has contacted you and told you there situation they should try to work with you in some way - They are not even trying to work with me at all - Again kept saying XX/XX/XXXX - I advised that i can make a payment before then but needed to have the interest removed. The loan is past due why continue to charge interest on a loan? Why not just close the loan and get a payment plan on it that benefits you and the consumer?? They are not willing to work with me at all other than to take a payment to day and suspend the interest for 30 days - Thats not helpful- They also did not read me the rights of fair debit collection disclaimer. The seemed abusive and abrasive. No matter how I tried to work with them they were not willing to bend. 
XXXX loans are tricky and yes I understand daily interest. But I cant get a loan with them now becasue Im in collections there for the contract should be void and other rules should apply. At least try to work with your consumer. If they would work with me they would get there money back sooner and I wouldnt owe double
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My government student loans were paid off and closed as part of the Public Service Loan Forgiveness program in XXXX, XXXX. Within a month, XXXX and XXXX were both showing all of my student loans as paid and closed. 

As of XX/XX/XXXX, Experian is still showing all of my student loans as active and with balances. I disputed this credit reporting directly with Experian on XXXX XXXX, XXXX, and provided all documentation at my disposal. On XX/XX/XXXX, Experian completed their investigation and stated that the account status of my student loans was accurate and made no changes to my Experian credit report. I am in the process of applying for a mortgage. The mortgage provider has already stated that, " even though two of the three credit bureaus are showing that you have NO student loan debt, they will still need to calculate student loan debt into my debt-to-income ratio '' because these loans are showing on Experian, " and that the balance of my student loans would impact the amount that I could borrow for a mortgage. '' This is very frustrating!
Consumer complaint received 2018-06-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

Moneygram cancelled my account with no explanation! I am an american citizen with family in XXXX! I send money regularly and after 2 years of sending money to them they cancelled my account. When I called them for an explanation the were rude and provided no explanation! This company should not be allowed to do business in the great state of Georgia!
Consumer complaint received 2018-03-22
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (PA)

I registered for XXXX XXXX XX/XX/XXXX. Classes began XX/XX/XXXX. I withdrew in writing XX/XX/XXXX. XXXX XXXX XXXX, Director of Student Accounts was supposed to return all money sent to the school on my behalf. The enrollment application was fraudulently executed. The application needed all signatures. If any were lacking, the agreement would not be binding. The Administrative Official did not sign. The Department of Education and XXXX XXXX  should not have sent money to XXXX XXXX. They should have noticed that oversight. The address for XXXX is XXXX XXXX XXXX, XXXX, Pa XXXX. My major was XXXX XXXX. I have received letters for ten ( 10 ) years. I have written XXXX XXXX, loan officers via certified mail, XXXX XXXX. I sent a certified letter XX/XX/XXXX requesting all collection efforts to cease. My information was returned and denied. According to my documents the balance is XXXX. Everything is ignored. I have kept all documents from this school and loan companies and cards from the certified letters. My social security number was on many of the forms, violating HIPPA. I want my record restored and negative information removed from the credit agencies. XXXX XXXX is sending letters. They were sent certified letters XX/XX/XXXX
Consumer complaint received 2022-08-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

I am currently being harassed daily by my mortgage company, Freedom Mortgage. I received calls every day asking me to confirm my email address, i have completed this more than 50 times and they are still calling me everyday. I have opted out of their phone calls and are told by the representative not to worry that this issue has been fixed but they kept calling early every morning. These calls are waking me up and providing a high amount of stress.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (NY)

Account ending in XXXX On XXXX XXXXXXXX XXXX  this account was closed for no real apparent reason. The closure of this account will negatively impact my credit rating and will hurt me. I have had this account for years with XXXX late payments. 

I called Wells Fargo on XXXX XXXX and spoke with XXXX who was no help, who then transferred me to XXXX who wasn't any help either. 

Today, XX/XX/XXXXXXXX XXXX  I called and spoke with XXXX who was less help than when I spoke with XXXXXXXX XXXX XXXX combine.
Consumer complaint received 2017-04-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (ID)

We went to buy XXXX cars, and the dealership said they would only run our credit once and share the info with the lenders. Now I have XXXX hits on my credit report because the lenders also hit my credit report. There were XXXX companies that hit my credit twice 10 days apart. Ally and XXXX hit my credit on XX/XX/XXXX and again on XX/XX/XXXX. How do I get the second hit removed on each one?
Consumer complaint received 2017-06-11
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Navient Solutions, LLC. (IN)

please see attachments. I HAVE TRIED TO OFFER TO PAY THIS DEBT  ON 3 DIFFERENT OCCASIONS IN EXCHANGE FOR MY PROMISSORY NOTE. I CONTINUE TO GET THESE OPEN ENDED LETTERS THAT MEAN NOTHING NOR ARE THEY COMPLYING WITH MY CONSTENT REQUEST FOR MY PROMISSORY NOTE IN ITS ORIGNAL FORM. MEANWHILE THEY CONTINUE TO LIST A {$0.00} DEBT ON MY CREDIT REPORTS. THEY REFER ENCE ME TO   XXXX   XXXX   XXXX   XXXX   FUNDS WHICH BOTH BEEN DELETED OFF MY CREDIT REPORTS FOR INACCURATE INFORMATION. MY HANDS ARE TIED AND I 'VE DECIDED TO LEAVE THIS MATTER IN YOUR HANDS
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (AL)

The Fair Credit Reporting Act and the Bankruptcy Laws state that bankruptcies ca n't remain on a credit report for longer than 7 or 10 years, whichever is the case. By the language of the Laws, it does n't state the bankruptcies Must Or Has To stay on a credit report for a certain period of time. Personally, I believe the credit bureaus keep bankruptcies on credit reports for as long as the law allows them. In my opinion, credit bureaus do this because they are in this together with financial institutions. The lower the credit score, the higher the interest rates banks can charge. Again, the law does n't say that bankruptcies Must remain on credit reports for 7 or 10 years. I 'm requesting that my XX/XX/XXXX, Chapter XXXX, be removed from my credit report. Also, I 'm requesting, that my XX/XX/XXXX Chapter XXXX bankruptcy be removed from my credit report. The Chapter 13 is over 9 years old and the Chapter XXXX is over XXXX years old. Both bankruptcies were the results of a terrible divorce that left me in heavy debt. By law, Equifax can and should remove these items. I 've suffered enough in my opinion. If Equifax chooses not to remove these items immediately, I 'm requesting in writing for the reason. Section 605 ( 1 ) Cases under title 11 ( United States Code ) or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. In other words, the credit bureaus ca n't have negative items on credit reports for longer than 10 years. Sadly, it 's in the hands of Equifax on when these bankruptcies will be removed from my credit report. It just ca n't be longer than 10 years.
Consumer complaint received 2021-08-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Alabama Housing Finance Authority (AL)

Good afternoon. I have had a mortgage XXXX company for 16yrs this XXXX. My original mortgage company was XXXX XXXX XXXX & then they merged with your company. They let me put my closing costs on the back end of the loan but when they merged with XXXX, then this company made those closing costs a 2nd mortgage for me. I have tried & tried to refinance for over a decade because XXXX still has me at a 6 % interest rate which has my monthly payments extremely high & has always been unbearable to stay on top of. A couple years ago, XXXXXXXX XXXX offered to refinance by loan & even take over the 2nd mortgage loan & consolidate them into one but XXXX would not let me out of my mortgage with them until I paid the 2nd mortgage in full first. Makes no sense how a company MAKES you stay with them & forces you to for 16yrs! XXXX has never been willing to help with their customers at all, even through really tough times! Now, here I am trying to refinance yet again & even get some equity out of my home to pay down some debt & do some home updates & XXXX have put delinquent marks & late payments on my credit thru this Pandemic. XXXX  should remove any late payments from my credit from XXXX thru until the end of XXXX. Theres no way they should be penalizing anyone for having any late payment at all thru anytime from the beginning of the Pandemic until the end of the Pandemic period. I lost my job during it & was panicked about what I was going to do. I did start to receive unemployment & stimulus checks is the only reason I was even able to pay on my mortgage at all. But those were delinquent at times coming in & it was all extremely stressful time & has been for everyone for over a year. XXXX needs to remove any late payments or derogatory remarks or negative marks on someones account during this Pandemic from XXXX of XXXX until XXXX XXXX. Its horrible that this company would try to hurt someones credit & not show forgiveness on their reports for being late during this scary & uncertain time. I have had the hardest time with this company & some of the rudest representatives & have tried to refinance but they still refuse & force me stay at a 6 % interest rate & Im done with it. I have been forced to be with XXXX for too long & have been forced to pay 6 % for too long so I am reaching out to companies & the XXXX to help me with this company. I have sent them this same email & complaints & they only responded by saying they would send it to the right department or persons for a response & still have not heard from anyone there at all. I emailed them on XX/XX/XXXX. I would just like some help to remove late payments from the beginning of the pandemic until it's over to give people a chance to refinance to lower their payments or to be able to take out their equity to pay off debt or to make improvements to their current home. Please someone let me know if there's anything that can be done against this horrible mortgage company.
Consumer complaint received 2021-10-04
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. (TX)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (FL)

i have 2 errors on my credit report I paid in full the balance 's of three account 's from XXXX XXXX XXXX XXXX on three dates XX/XX/XXXX of {$140.00} and then XX/XX/XXXX of XXXX XX/XX/XXXX of {$21.00} they won't take the two remaining accounts from off my credit report and of XXXX, XXXX, XXXX
Consumer complaint received 2019-03-01
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

Why has USAA not started making payments to the members that they violated banking laws with yet? I was a USAA customer for over 10 years and left because of their shady practices. The lawsuit I read in January said they are due to make restitution payments, but so far NONE have been mailed. Why is this tailing so long? Because of them, I have had to start completely over with my finances. They lost in court. Enforce the law, it's what you're there for.
Consumer complaint received 2015-12-31
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XXXX XXXX, 2015 I viewed my online checking account through 5/3rd banking and I realized I was in an overdrawn state of $ XXXXin my checking account. I was charged recurring for 3 days on XXXX XXXX, and XXXX without notification that my account was in a negative state. Upon paying the balance I called the customer service at XXXX and spoke to both a XXXX and his manager XXXX and I complained that I was not notified via email or even by phone that I was in a negative state. I did however receive a letter on the XXXX of XXXX stating that my account was overdrawn. I told both gentleman that it was unprofessional and uncourteous of the bank to not notify me sooner about this problem. XXXX the manager said that the bank does NOT notify by email or phone and that they only notify by only by letter. My concerns are that if this is the case why did a letter not come any sooner and why did it take 7 days for me to be notify. I am also concern that since it was a holiday weekend had I not been home for the holidays I would not have known about this problem until afterward and could have potentially been hit with more overdraw fees. Upon opening the account I had asked the bank to not process anything if there were not sufficient funds in my account. I suspect that 5/3rd computers are program to send letters after generating more than XXXX overdraw fees recurring thus putting the consumer in financial risk.
Consumer complaint received 2022-09-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TN)

Requested written documentation of debts I was told I owed. Its been well over a month, and nothing from them. The requests were sent via Certified Mail through the USPS. Im trying to do the right thing by confirming this debt as it negatively affects my credit score. Without the info provided by the creditors or collection agencies, I can not move forward in rebuilding my credit. Its infuriating. XXXX XXXX XXXX in XXXX, VA and Lvnv Funding in XXXX, SC is where the Certified Mail was delivered.
Consumer complaint received 2022-03-29
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. (OH)

Transunion XXXX XXXX has failed to assure me XXXX percent possible maximum accuracy when it comes to my consumer report. They are still violating my rights after the third attempt trying to fix this issue. They are still hosting two tradelines on my consumer report that I have filled an FTC complaint about and a police report and they still have not removed the account from my consumer report. I even have someone on the phone stating that they only can remove an account if the furnisher tells them to. Which I stated that's not how the law works. It is the duty of the furnisher to report accurate information but it is also the consumer reporting agency 's job to assure you 100 percent possible maximum accuracy when it comes to the things on your consumer report. I will attach the FTC report the dispute letter and the police report that I sent to them and a screenshot that these accounts are still on my consumer report. Transunion is willfully being non-compliant pursuant to Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) for not blocking information [ 15 U.S.C. 1681c-2 ] ( a ).
Consumer complaint received 2017-04-16
Product: Credit card — 
Issue: Other — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

This concerns a complaint i filed with my credit card company ( USAA/VISA ) with regard to repairs I paid for with my USAA/Visa credit card. My USAA member number is XXXX and the Visa card I used to pay with ends in # XXXX. Last XX/XX/XXXX I took my car to XXXX XXXX XXXX XXXX to have a knock noise diagnosed. I was told I needed a new engine. I paid a total of {$1700.00} to have my XXXX XXXX fixed ( New 'used ' engine, etc ). Before the job was completed I discovered I was being overcharged by some {$260.00} by XXXX XXXX XXXX XXXX and promptly filed a complaint with USAA. That amount was deducted from the {$1700.00} and left me with a balance of {$1400.00}. This all transpired while the car was still in the repair shop. I picked the car up and noticed a knocking/ banging noise and since I had no intention of taking the car back to XXXX XXXX XXXX XXXX because of overcharging I took the car to a local dealership where I lease my XXXX from. This was done in XX/XX/2017 and I was notified that the car had serious problems and that the 'used ' engine installed by XXXX XXXX XXXX XXXX was installed with faulty engine mounts and leaking transmission lines. The Service manager told me I could have been injured or worse if the engine mount had broken completely. I directed the XXXX service dealer to FIX the problems. I again contacted USAA/VISA and filed a second complaint demanding I be reimbursed the {$1400.00} because of poor/shoddy workmanship which could have caused me and my family serious injury or worse and quite possibly involving another vehicle. USAA advised they were investigating the complaint and as requested I provided USAA with all relevant invoices and information regarding the poor workmanship and additional monies I had to pay to have the mistakes corrected to make my car safe. On or about XX/XX/2017 I contacted USAA to find out if a decision was made regarding my complaint regarding the remaining charges of {$1400.00} and I was informed by a USAA representative by the name of XXXX that USAA ruled in my favor and I was not responsible for the {$1400.00}. I ask for a confirmation email and /or letter however XXXX the USAA rep advised everything was notated and I would receive something by mail in the near future confirming what he ( XXXX ) told me. Yesterday XX/XX/2017 to my utter dismay I was making a payment via my USAA checking account and noticed the VISA credit card balance had increased by {$1400.00}, ( the amount disputed and was told it was ruled in my favor ). I was not contacted by anyone from USAA either by phone Email or text advising of this decision on behalf of USAA/VISA which is a direct contradiction to what I was told on XX/XX/2017 by USAA representative XXXX. I was lied to, misled and ignored by USAA and it 's representatives resulting in causing me XXXX. I would appreciate CFPB look into this matter please. The phone number to USAA is XXXX or XXXX XXXX. I can be contacted at XXXX 0r XXXX. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pA XXXX
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

I received a copy of my credit file and enclosed is an account list under XXXX for XXXX which does not belong to me. So I am writing to excercise my right to request verifiable proof of the negative event listed within my credit file. The U.S. Code 1681g-Disclosures to consumers requires CRA 's to disclose the sources of information regarding negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE ACCOUNT : XXXX $ I expect that you will provide verifiable proof as required under 15 U.S. Code 1681g-Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect this negative event to be removed. Please communicate your intentions in writing. 
Sincerly XXXX Last 4 of SS # XXXX D.O.B
Consumer complaint received 2017-06-10
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (VA)

On  XXXX   XXXX ,  2017 ( or about ),  I was told that my loan request was sent to  Navy Federal Loan Committee with a request t o waive  XXXX  exceptions. I was told the request was denied.  <P/> However,  Navy Federal br oadcasts in its advertising that it works with its members to find solutions.  <P/> In this case I am suspect that the request was ever made by underwriting.  <P/> In fact - the misrepresented to me and the public how they work for their members.