davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (TX)

I was told the total amount of the loan inter is simply XXXX $ every XXXX . I asked multiple times what their APR is she insisted that there in no APR. And that it is only the XXXX $ every XXXX XXXX. She failed to mention that, thats every two weeks. So by paying them a minimum payment, I would never catch up and continue paying them for over a year. I was affect by XXXX  and temporarily lost some of our income. I elected to stop payments to them from my bank and try to reach a decision. I have reached out today awaiting a response back. However, I find it highly unfair, and downright scandalous the way they went about this. I send this to CFPB in hopes of # 1 them understand they messed up, # 2 learning some useful information regarding this matter, and how I could have done things different/better. # 3 hopefully if it is anyway possible warn others of this company before they fall vicitim. Its unfortunate they take advantage of people already in a hard situation with Low  scores. This money was borrowed as a emergency means, we unexpectedly had to travel across the country to family, we lost a close relative due to COVID. Please everyone, take heed when getting these loans. Check all your options, use this as a last resort option. Silent killers of all your hard work.
Consumer complaint received 2019-08-14
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. (UT)

I have filed several disputes with Experian regarding inaccurate information and one of the items is a XXXX account that only Experian is reporting still. I have sent proof that XXXX removed it multiple times yet EXPERIAN claims it is valid when they do respond or 2 of my disputes still have not been responded to and it has been well over 30 days for each of them. 
I called Experian today and the rep told me to file another complaint on here and attach the document again and they will remove it. I should not have to fight 5 years to get this erroneous item removed! 5 yrs it has been on my credit and I have had XXXX for 17 yrs! never have switched phone companies. 
You are affecting my financing and because of that and all the proof I have of my complaints & your responses my attorney said it is grounds for a law suit. 
The next correspondence will be from my attorney.
Consumer complaint received 2022-04-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (AL)

XXXX XXXX XXXX XXXX {$3200.00}, XXXX and XXXX {$350.00}, GLA COLLECTION COMPANY {$90.00}, and US Department of Education {$0.00} reported negatively on my credit monthly. XXXX XXXX XXXX XXXX was paid in full by XXXX and my insurance company. On XX/XX/XXXX, XXXX XXXX XXXX {$350.00} and XX/XX/XXXX, GLA COLLECTION COMPANY placed three collections of {$30.00} each on my credit report, which was already removed once. I have disputed multiple times. I have not signed a medical release to these companies. I have notified the companies several times and asked them to remove it. US Department of Education {$0.00} reported negatively twice. However, this is an error that noone seems to know where it came from. However, I am still in school.
Consumer complaint received 2022-04-03
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Lewis, McDonnell & Associates (CA)

The collection agency called my work place on XXXX/XXXX/2021. I was told by my employer there were people calling looking for me wanting me and saying something involving the law. I had no knowledge to this debt. By law all debts over {$600.00} the original company is required to issue me a copy of 1099-C when a debt is charged off with the IRS. I paid the alleged debt because I was threatened that the amount of money I had to pay if they involved the judged is alot more. I had reached out to them and send them a debt validation letter on XXXX XXXX 2021 and I haven't received any response.
Consumer complaint received 2020-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

This issue is with my Bank of America credit card security and privacy. I have been divorced for a year and a half and have a Bank of America card in my name that my ex-husband transferred over to me after our divorce. I took his email off the contact information and put my email address on there instead as soon as he transferred the card to my name. I have been late with my credit card payments a few times within the last year and a half, only a couple days or a week late each time, and Bank of America has sent my ex an email instead of me to remind me to pay. He forwarded the emails to me, which was humiliating. I also checked my account online and found that his email " mysteriously '' re-appeared on my credit card account. I've called Bank of America customer service about this issue to ensure that his email is removed from my account, and checked online to see that this issue was resolved. Every time that I checked online, his email " mysteriously '' re-appeared as the primary email address, instead of mine. Twice in the last year and a half, I called Bank of America customer service to make sure that MY email address was on the account ONLY as the primary email address and was assured that it was. So, why was my ex getting these late payment emails? This last time, Friday, XX/XX/XXXX, I received the attached email from my ex-husband. I called the Bank of America customer service line. The first associate assured me that my email was the only email on the account, told me she was transferring me to technical service to assist me further, and then disconnected the call. I called back. The second associate told me my ex-husband 's email was the primary email on the account, and mine was secondary. He or she connected me to technical service. This technical service associate removed my ex-husband 's email from the account. I then told her to close my Bank of America credit card account. I didn't know if this would help with the privacy issue or not. Saturday, XX/XX/XXXX, I checked my online account, and found my ex-husband 's email was back on my Bank of America credit card account as the primary email. Mine was listed as the secondary email. I have attached these screenshots, as well. I called Bank of America customer service again and demanded to talk to a supervisor. I was told that the one supervisor working the shift was in a meeting. I demanded that the supervisor call me back. The supervisor never called me back. I have signed up for free legal aid through my work and will be pursuing legal action against Bank of America in XXXX for XXXX  XXXX, but I am also contacting you - since if they're doing this to me, they are likely doing this to other people, as well.
Consumer complaint received 2021-05-05
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: Experian Information Solutions Inc. (TX)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I wrote XXXX XXXX and Experian to you requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from any of the credit bureaus or any acknowledgment that an investigation has begun. All letters were sent certified mail.
Consumer complaint received 2019-11-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

A debt collection company bought an old debt from XXXX XXXX the collection company portfolio recovery has been making robocalls to me and also obtained a phone number what's in my state and harassing calls all the time hang up calls I informed them a year-and-a-half ago that the debt was improper and fraudulent on XXXX XXXX behalf and also fraudulent on XXXX XXXX behalf I sent portfolio recovery many letters requested all my information including a signed contract they failed to do so they threatened me they made robocalls they called with false numbers they also told me to contact their attorney I have also sent their attorney an email and they refuse to respond to me also
Consumer complaint received 2020-01-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: WELLS FARGO & COMPANY (SC)

The loan was paid off in XX/XX/2011, but Wells fargo illegally applied the loan in payments instead of as a payoff. I have proven this to the credit agencies and had it removed. I have also sent in XXXX  paperwork to try to get them to leave me alone, but they continue to call on my non-profit phone number. They will not leave me alone, and they allowed my father, a man that is 26 years older than I am to access my account information in XX/XX/2011 to give him the payoff amount. 
So, they illegally allowed my father to access the account for the payoff, then he paid it off because my grandmother was a co-signer ( she gave him the money ), when I was already on XXXX  and had applied for XXXX  discharge, took the payoff, applied it in payments instead of as a payoff so they could accrue interest, and are now harassing me incessantly over illegal accrual of interest. Someone has to stop this crooked company. I am only one person, and they refuse to correct their errors. There is no way for anyone to fight them.
Consumer complaint received 2019-08-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Automatic Data Processing, Inc. (SC)

XXXX XXXX XXXX have my employer taking {$350.00} from my paycheck totaling to the amount of {$1500.00}. I never received any documents in the mail and all of sudden the money has been garnished from my payroll. This is against the law. I want my money back.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX continues to report to experian and XXXX incorrect info.they are reporting that I opened an acct with them XXXX of XXXX.i did not have an acct with them.i had an acct with XXXX mortgage. I requested proof of application with XXXX XXXX XXXX they ignore my request and refuse to stop reporting fraudulent information
Consumer complaint received 2019-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On or about XX/XX/XXXX, my card was posted with the following fraudulent charges : XX/XX/XXXX XXXX Other Services ... XXXX {$370.00} XX/XX/XXXX XXXX Other ... XXXX {$83.00} XX/XX/XXXX XXXX Other Services ... XXXX {$25.00} CapitalOne handled this very well in detecting the above as fraud. Sent me a new card, so on and so forth. 

Today I found the following fraudulent charge - keep in mind this is on a new credit card number that I haven't actually used yet - there is no possible way for someone to have stolen this number, so CapitalOne had to be the one to give them the card number for the fraudulent charge : XX/XX/XXXX XXXX Other Services ... XXXX {$22.00} I reported it as fraud. No response from CapitalOne. I called their call center. I'm then greeted with a frustrating IVR system and a customer service rep who deliberately manufactured static on the line while ignoring me for two minutes.
Consumer complaint received 2019-08-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (WI)

I have two PayPal mastercards accounts .. one is a PayPal cash card debit Mastercard card number XXXX XXXX and wanting is a PayPal prepaid Mastercard debit card card number XXXX I want them closed and I want a transaction history for both cards and I've been unsuccessful getting a hold of PayPal .
Consumer complaint received 2020-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XX/XX/XXXX car was in a total loss claim with XXXX the car was I was the the borrower my mother was the co borrower. On XX/XX/XXXX my mother passed away unexpectedly. Went to get the information to finish the claim couldnt because my name wasnt on the title registration or anything and she had no will ... which I had to pay for a lawyer to help me become the administrator XXXX XXXX and XXXX was aware of this, but all of a sudden they reported 2 missed payments which took 38 points away. Months later insurance company paid Nys gap paid and I never received a letter with the remaining balance I had called each week finally I paid the balance account is closed and paid and still is open and late on my report
Consumer complaint received 2017-12-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KS)

Was not notified of investigation status or results that I requested in the dispute I mailed. Credit Bureau refused to block item although it remains unverified and they never sent me proof of the instrument mandated that the credit bureau have as per FCRA Section 609.
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (MS)

I obtained a loan from XXXX XXXX several years ago who changed their name to Mariner Finance. I filed XXXX XXXX bankruptcy in early XXXX and the debt was included in the bankruptcy process. The total amount paid to them by the chapter XXXX trustee was {$1100.00}. My bankruptcy was successfully XXXX on XXXX and closed on XXXX. 
This company is showing a past due balance of {$2500.00} as of XX/XX/XXXX and negative accounts status. I filed a dispute with XXXX and received the following response : The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. So, Mariner ( a.k.a once XXXX XXXX XXXX is refusing to update the information and reporting inaccurate information.
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX US BKPT CT XXXX XXXXXXXX, 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 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX continues to report to XXXX and transunion incorrect info.they are reporting that I opened an acct with them XXXX of XXXXi did not have an acct with them.i had an acct with XXXX XXXX. I requested proof of application with XXXX  for XXXX they ignore my request and refuse to stop reporting fraudulent information
Consumer complaint received 2017-12-20
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: CAPITAL ONE FINANCIAL CORPORATION (NM)

Yes I got an alert from XXXX XXXX saying I had some hard inquiries recently. The two I do not recognize or did not give consent were both on XXXX XXXX, 2017 from XXXX and XXXX. I 'm not sure where they came from or how they obtained my information. I did not authorize them to access my credit report.
Consumer complaint received 2018-06-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (IA)

This is honestly so overwhelming I have about {$74000.00} in debt and I paid over {$500.00} a month for about 10 years and its over {$20000.00} more than originally XXXX I got shoot probably more than that every time I go into some kind of a forbearance or something because Ive been in and out of jobs when it goes back and repayment its always like oh you owe XXXX dollars your first payment is over 1000 and your payments are over 500 a month ill submit them on my paperwork and my income and then I think Im getting on a payment plan and Im getting forgiveness I paid over three other service companies money only to resend that because now then it gets involved again and then they just end up consolidating me and sending me paperwork I never signed for your eye think Im getting student loan forgiveness and I was in a consolidating my loans again with knobby aunt never what I want to do I keep thinking Im getting steam get forgiveness through the government but Im still with knobby aunts after like four times My loans go from XX/XX/XXXX to XX/XX/XXXX with consolidation dates all the way up to XX/XX/XXXX
Consumer complaint received 2022-04-03
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)

At the TransUnion website, there is an entry for a hard inquiry by XXXX on 2021-XXXX that I did not authorize. The TransUnion website does not seem to allow for this to be disputed.
Consumer complaint received 2022-04-03
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GOLDMAN SACHS BANK USA (MA)

I am unable to login to my Marcus Goldman Sachs online savings and CD account. I called the company and was on the phone XXXX customer service for apprx 30mins/ She advised me to report this to you. 
The address to the account was changed to somewhere in XXXX. 
I am still unable to access my account. 
I am concerned that they may have my SSN.
Consumer complaint received 2021-07-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Credit Karma (VA)

I have asked Credit Karma at least twice in the past month to close my account, and they have ignored my responses. When I create new tickets because I was ignored, they keep making up excuses for why my account is open. I do not have any disputes pending or any money in the account, so I don't know what the holdup is. When I closed accounts at other banks in the past, it was usually done within 24-48 hours. Please close my checking account once and for all Credit Karma! XXXX!!!
Consumer complaint received 2020-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XX/XX/XXXX car was in a total loss claim with XXXX the car was I was the the borrower my mother was the co borrower. On XX/XX/XXXX my mother passed away unexpectedly. Went to get the information to finish the claim couldnt because my name wasnt on the title registration or anything and she had no will ... which I had to pay for a lawyer to help me become the administrator XXXX XXXX and XXXX was aware of this, but all of a sudden they reported 2 missed payments which took 38 points away. Months later insurance company paid Nys gap paid and I never received a letter with the remaining balance I had called each week finally I paid the balance account is closed and paid and still is open and late on my report
Consumer complaint received 2021-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (OH)

CBE Group is fraudulently collecting on a debt that is not owed. I am buying a home and just found out that they are reporting inaccurate information on my credit report. I spoke with the original creditor and they stated that there is not balance and I only had to return an item which I did and it was verified. 

This needs to be removed permanently from all three of my credit reports immediately.
Consumer complaint received 2022-04-27
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. (NY)

I am a victim of identity theft. There are multiple fraudulent accounts on my credit profile from various companies like XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I demand that all negative/adverse fraudulent accounts are immediately and permanently deleted.
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WA)

CHAPTER XXXX BANKRUPCY : BANKRUPTCY XXXX doesn't belong to me. The courts do not furnish any of this information to the credit bureaus..They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information