davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (ND)

I do need to start this with during the pandemic and even before, when I have needed assistance, they have been awesome. Things have taken a few times to get right, or their system will randomly kick out arrangements or send emails for the wrong dates, but eventually it has worked out. 

Whenever I have called to make payment arrangements or any form of interaction with LendingClub, they have told me that I can always use my 15 day grace period if I need to submit a payment after the due date without penalty. 

As far as I know, I have never skipped a payment or been past due with them. 

My payments are due on the XXXX of each month, which would mean I have until the XXXX for my grace period. 

This month, I needed to use my grace period. In the last 7 business days they have called my personal phone 38 times as of XXXX ( XX/XX/XXXX ) this morning. They have, however, only sent me one payment reminder via email on XX/XX/XXXX. 

On my loan agreement under Late Fee. it states if any part of Borrower 's payment, other than payments owed for any fee ( s ) assessed on a prior monthly payment, is more than 15 days late, a late fee may be charged in an amount ... .. There is no exact language about the grace period, but all of the customer service reps tell customers about it when they call in. 

On LendingClub 's website under their help ( https : //help.lendingclub.com/hc/en-us/articles/214519627-Making-loan-payments ) it does state Late Fees if any, for payments received after the 15-day grace period. We give all borrowers a 15-day grace period to make payments with no penalty. 

That makes no mention about getting harassed every business day until you make the payment though.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2021-09-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: South Mississippi Collection Services Inc. (MS)

i sent out my final letter to SOUTH MISSISSIPPI COLLECTION on XXXX XXXX, about the alleged debts of XXXX and XXXX that i dont owe.national credit adjusters sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debts of {$150.00} and XXXX they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, SOUTHERN MISSISSIPPI COLLECTION has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX XXXX and today is XXXX XXXXattached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.
Consumer complaint received 2022-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is not done in error and/or third party. I consumer ( XXXX XXXX ) recently review a copy of my credit report and I realize that as a consumer XXXX XXXX XXXX is violating my rights. I have never done any business with XXXXXXXX XXXX nor do I owe them any debt. They are violating my rights by having my personal information with is defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They have communicate with me at an inconvenient time about this alleged debt which is another violation according to 15 USC 1692c. This debt is false and misleading which is another violation according to 15 USC 1692e. Another violation is that this company is violating 15 USC 1692f. I have attached my ID & SSC to identify me.
Consumer complaint received 2018-09-26
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. (TX)

I have requested and reached out to your company on several occasions about accounts reporting on my credit file. These accounts are not accurate and or not my accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2019-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (NE)

I DISCOVER ON MY BANK STATEMENT, THAT THERE HAS BEEN A NUMBER OF WITHDRAWS THAT ADDED UP TO {$150.00} FROM MY DIRECT EXPRESS DEBIT CARD, FOR XXXX XXXX ACCOUNT THE WITHDRAWS STARTED BACK IN XXXX, I DID HAVE AN ACCOUNT AT THAT TIME FOR MY GRANDSON, THAT LIVE WITH ME, ONCE HE MOVED OUT XX/XX/XXXX XXXX HAS BEEN NO XXXX IN MY HOME, I HAVE CALL TO VERIFY THAT MY XXXX XXXX WAS CANCEL, I DO HAVE DOCUMENTATION FROM XXXX XXXX DEPARTMENT THAT THERE WAS NO ACCOUNT FOR A XXXX XXXX SUBSCRIPTION USING MY DEBIT CARD! I HAVE BEEN CALLING THIS DIRECT EXPRESS FRAUD SERVICES FOR TWO DAYS AROUND THE CLOCK, SITTING HOLDING ON FOR REPRESENTATIVE IN THE LEVEL 2 DEPARTMENT, NO ONE NEVER ANSWER THE PHONE THEN THE  OPERATOR SAIDS CALL BACK ANOTHER TIME!! I CALLED ON XX/XX/XXXX XXXX TO DISPUTE THESE CHARGES I DID FILL OUT THE DISPUTE FORM IN A TIMELY MANNER. I RETURN TO THE DIRECT EXPRESS FRAUD UNIT!!! ON XX/XX/XXXX I GOT A LETTER SAYING THAT I DID NOT REPORT THIS IN A TIMELY MANNER! WHICH IS NOT TRUE BECAUSE FROM XX/XX/XXXX UNTIL XXXX I HAVE BEEN SO SICK FIGHTING XXXX XXXX & XXXX AT THE SAME TIME! I WAS NOT ABLE TO TAKE CARE OF MY BILLS!!! DIRECT EXPRESS STOP SENDING MY STATEMENT BECAUSE THEY STARTED TO CHARGE A XXXX CENT FEE FOR MY STATEMENTS! I DO HAVE PROOF, THAT I CALL DIRECT EXPRESS IN XX/XX/XXXX WHEN I NOTICE THIS XXXX DATING ALL THE WAY BACK TO XXXX!!! THIS IS MY MONTHLY XXXX CHECK!!!! I DO -NOT OWN A XXXX! I DO NOT HAVE AN ACCOUNT WITH XXXX XXXX LIVE!!!!!
Consumer complaint received 2019-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

I bank with Wells Fargo. They have been negligent in a false claim of fraud involving a gentleman who paid me {$1500.00} using XXXX over 6-7 transactions. Two months later he filed a claim saying it was fraud and he didnt authorize them or know me. XXXX the XXXX they debited my account for {$1500.00}. For over a month I was given run arounds. Wells Fargo said it was XXXX, XXXX said Wells Fargo. I asked what type of investigation was done? A thorough one wasnt because I was never contacted when he file the claim and got his money back. It wasnt until after I called when I saw the debit that they asked questions like were you expecting these payments and do you know this person. Questions I feel should have been apart of the investigation they did to determine his claim was valid. I informed Wells Fargo I had proof he was filing a false claim. I have emails, texts and XXXX messages between us identifying himself in the text and acknowledging he was sending me payments. His last message was can I get a refund. So how was it unauthorized if he wanted a refund? To use XXXX you receive a code when you send money to someone for the first time. He had to have received the code to send the first payment in order for the other 6 to be made. In spite of me saying I have the proof no one has even asked to see it and they are standing by their decision that this person didnt authorize this even though I have all of his messages to me saying otherwise. Even XXXX which he used initially then I refunded it and he says in one message he will send the XXXX once the XXXX refund is credited to his bank. I have been robbed WITH the banks help. My money was not safe. Now my account has been negative since XX/XX/19 and I have had problems paying bills through auto pay from this account because I refuse to be liable for the money they took. They didnt investigate throughly. I was never contacted during or after. I had to call them. They are saying file a legal claim or contact the person to work or out. The person lied so why would They help? He didnt go in and pull the money out. The police didnt assist him either. Wells Fargo signed off on him getting XXXX back without once reaching out to me and finding out I had proof he authorized these zelle payments. His word which was a lie was enough. I have all the proof and all he had to do was lie and say he didnt know me or authorize 6 payments. Nobody at Wells Fargo is trying to help me. They dropped the ball. Im eating the bill on their negligence and my Bills are falling behind now that I used that account on. My credit has dropped now from a late payment on my car due to auto pay from a negative {$1500.00} account., please Help me. The bank did not have my back.
Consumer complaint received 2019-11-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (KS)

On XX/XX/17 I talked to the CSR at the bank and he agreed to waive the late fee. I paid the instructed amount. The next month I received another interest charge. Upon calling, the CSR advised me that it was their policy that even if the bill and interest were paid in full I would have to pay interest for the additional two months before the interest charges were dropped.
Consumer complaint received 2023-01-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (FL)

1. On XX/XX/XXXX I attempted to cancel my extended warranty for a used vehicle I had just purchased. I purchased my vehicle through a dealership who also helped me secure financing. I had to submit a form to cancel the auto warranty. An agent of the dealership confirmed receipt of my warranty cancellation form on XXXX XXXX, XXXX and informed me it will take XXXX weeks for the warranty refund amount to be taken off the principal of the loan. 
2. On XXXX XXXX, XXXX I asked the same agent of the dealership to produce documentation of the warranty cancellation and " refund '' to my financing principal. They were either unwilling or unable to produce such documentation. 
3. On XXXX XXXX, XXXX I was informed {$2800.00} would be going to the lienholder and would be reflected on my next billing statement. 
4. On XXXX XXXX, XXXX No change was reflected on my auto loan statement showing {$2800.00} being sent back to the lienholder. 
5. On XXXX XXXX, XXXX I was informed by an agent of the auto dealership it would take XXXX billing cycles to apply to my account. 

Auto Dealer : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Lienholder : Ally Financial XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have mailed off several letters disputing all of the inaccurate information that continues to be reported to my credit report and is seriously affecting my profile. I have sent dispute letters to all XXXX XXXX  and TransUnion on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have yet to receive any investigation results or correspondence to show that the errors on my report have been deleted or at least a status of the reinvestigation I requested. The specific accounts in total error that I disputed and that should have been deleted from my credit reports months ago are : the 3 inaccurate late payments on XXXX XXXX XXXX XXXX. The erroneous late payments are being reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but the dates are inconsistent across each credit bureau. I have requested a reinvestigation and proof of how this information was verified with the original creditor and have received no results or proof of verification. This is unacceptable. The other erroneous accounts on my reports that I disputed are with XXXXXXXX  for a {$0.00} balance, XXXX XXXX {$0.00} balance, XXXX XXXX XXXX XXXX collection with balance of {$2200.00} lease is inaccurate. XXXX collection account with a balance of {$250.00}. XXXX XXXX account reporting inaccurate and inconsistent high credit limits across each credit bureau. XXXX XXXX XXXX collection with reporting balance of {$130.00} is inaccurate. And XXXX XXXX XXXX XXXX collection showing a date of last payment as XX/XX/XXXX is also inaccurate. 

The number of errors on my report, in addition to inaccurate spellings and versions of my name, inaccurate addresses, and duplicate social security numbers on my report are outrageous. I have disputed all of this and I have high concerns of being at risk for identity theft with the credit bureaus not taking accountability for their reporting errors and deleting this misinformation as soon as possible. I have received no reinvestigation results or removals of the information listed above that is impacting my credit scores.
Consumer complaint received 2024-02-01
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. (FL)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-04
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. (WA)

i am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified '' that i have disputed. please resolve this manner as soon as possible. 

thank you
Consumer complaint received 2017-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NJ)

I have had an American Express card since XXXX. I upgraded from green to gold a few decades ago and from gold to platinum a few years ago. On XXXX, I was assessed annual membership fees of {$720.00} ( {$550.00} for me + {$170.00} for my wife 's card ). This fee is assessed IN ADVANCE. I decided to close the account. It took me a few weeks to transfer several regular, automatic monthly payments from this card to another credit card. Having completed that, I called AmExp today to cancel my card. They will not refund any portion of the {$720.00} membership fee THAT I PAID IN ADVANCE. They offered to downgrade me to a less expensive card ( green card - {$95.00} fee ) and to give me a credit for a portion of the {$720.00}. I do not want that. I want to close my account and receive a refund of the unused portion of the membership fee. On a per diem basis, I 've had the card from XXXX through XXXX, which is 39 days. {$720.00} divided by 365 days multiplied by 39 days equals {$77.00}, to which they may be entitled. I demanded a refund of {$640.00} XXXX {$720.00} I paid minus {$77.00} to which they may be entitled XXXX but was refused. Can you help me, please?
Consumer complaint received 2021-06-29
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. (PA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (MD)

I paid my loan off last year. XXXX XXXX has been calling me everyday. When I ask for them not to call they said they don't have the capability to put me in do not call and that Navient sent my information to hundreds of places and they are calling me everyday. XXXX is one of the numbers.
Consumer complaint received 2023-01-09
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. (NV)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

The CFPB needs to really get their XXXX together. How do you keep closing a claim that I am filing stating that KOHLS is reporting a debt I do not owe because it was paid - then they respond and say it is valid?? HOW??? 
HOW is it valid when the bureaus show it paid and XXXX except XXXX   and HOW is KOHLS responding that the DEBT is valid??????????? you guys are all XXXX and do not know how to do your jobs. 

All you guys just think you can do whatever the XXXX you want and you are ALL in violation!!! Kohls debt collection and reporting on my credit report EVERY MONTH WITH A BALANCE THAT HAS BEEN PAID - how the XXXX is that valid? when I paid the debt and other bureaus show it paid. I paid KOHLS directly! 

kohls is in violation updating monthly to XXXX  for a debt that has been paid!!! I am contacting the attorney general and filing suit again both of you guys. What a XXXX joke. 

They are reporting a balance NOT owed and damaging my credit monthly. I have been denied financing because of it and guess what - that is grounds for a law suit -
Consumer complaint received 2021-09-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG FINANCIAL CORPORATION (MS)

I have spoken to someone from Check & Go in the past & told them that the account was not mine, I did not apply for a loan, the information they had on me was not mine. I asked them several times to remove it. I did not find out they referred the account to an collection agency until I applied for a housing loan & was denied due to the collection agency XXXX XXXX XXXX being on my credit report. I had no knowledge of this collection agency or any contact information to call/email them. I filed a XXXX compliant on XXXX XXXX XXXX XXXX XXXX collection agency. I received a response from them within 2 days. XXXX told me they reached out to the credit reporting agency back on XX/XX/2021 that the account was closed in their office & remove the account from my credit report. They agreed to send a second notification to the credit reporting agency to remove account from my credit report. With that being said I would like to file a compliant on Check & Go, XXXX XXXX XXXX XXXX XXXX & the credit reporting agency. I lost money applying for a housing loan & being denied due to this negative account on my credit report. I have to start the whole process over again. This is not fair. Something should be done about these companies causing problems like this.
Consumer complaint received 2021-09-16
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. (PA)

I submitted disputes and an FTC report regarding a fraudulent account on my credit. 

XXXX & Transunion : XXXX {$1700.00}