davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (IL)

I have had multiple loans with Navient since I enrolled in school almost XXXX  years ago. XXXX of them is paid off now but the other has a little over XXXX XXXX balance on XXXX XXXXXXXX borrowed. I have paid almost XXXX XXXX in interest over the life of this loan alone. 

The loan in question is from a school that is part of the XXXX XXXX XXXX  settlement.

I am a XXXX XXXX XXXX  of that suit and my federal loans with them are in the process of being discharged. Over the years SallieMae/Navient has told me over and over and over that my only options are deferment or consolidation. Over and over I have asked for help or leniency as not only did I have private loans with them but federal loans with the Department of Education. Paying off all of these loans has been a real struggle but especially now that my interest rate is almost 17 % on the loans I have remaining. I borrowed {$6.00} to try to get a degree from a school that has now been found guilty of misleading students and forcing private loans on them to cover what federal loans wouldn't. Navient has made XXXX XXXX in profit off of my loans and I still have XXXX XXXXXXXX remaining. How is this right? How can institutions like Navient get away with fleecing hardworking people who are just trying to better themselves and their families? It shouldn't be allowed.
Consumer complaint received 2021-07-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (NV)

Was contacted by a collections agency about a debt owned I allegedly owed to them to the amount of {$2700.00} for a XXXX XXXX. How ever in an attempt to valid this debt I received information that violates XXXX law that required the creation of national standards to protect sensitive patient heatlh info from being disclosed without patient 's consent or knowledge.
Consumer complaint received 2020-06-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Harley Davidson Financial Services Inc (IL)

Purchased a motorcycle from a private seller that has his loan through Harley Davidson financial services. Purchased it on XX/XX/2020. Our credit union paid off his loan with HDFS on XX/XX/2020. 

Since the purchase I have been unable to register the motorcycle in the state if Illinois due to HDFS dragging their feet on releasing the lien and sending the title to me. On XX/XX/2020 the state of Illinois raises the taxes, title registration and license plate fees by 50 % which will cost me several XXXX dollars more to register than if this had been completed in a timely manner. As of this complaint it has been 14 days since HDFS received the payoff and credited the account as paid off. 

HDFS must either expedite the handling of the title and release of XXXXien,  or agree to pay the extra costs associated with the registration and tax process, as it will be a result of their slow response.
Consumer complaint received 2022-03-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America card Credit card! So Many times I spoke to again yesterday -- -- -- - saying and adding intrest on a card lost in XXXX of last year! I have been making pays on the {$1500.00}, I took as cash advance in XX/XX/21! XXXX is all I pay on! period trying to collect {$3600.00} plus intrest for a card that was lost! I am a XXXX XXXX and this is crazy!
Consumer complaint received 2017-11-28
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. (TX)

I contacted Transunion and XXXX about incorrect items on my credit report XX/XX/XXXX certified mail. I disputed collection accounts on my credit report, alias l, updating name and addresses and inquiries on my credit report. I received a letter from Transunion 2 weeks later around XX/XX/XXXX that stated my permission was not needed for companies to run my credit and place hard inquiries on my credit report and I had to contact the companies. I tried to call them around XX/XX/XXXX to once again advise that there was unauthorized inquiries they were reporting XXXX XXXX XX/XX/XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX. 
On XX/XX/XXXX I received an updated letter from Transunion that showed some items removed but other accounts it stated dispute not specific ; verified and updated. However Transunion failed to send my validation from the creditors reporting negatively on my credit report. Such as XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX # XXXX # XXXX. I have not received any documentation with my signature or a contract showing I entered into a contract with these companies.
Consumer complaint received 2015-03-24
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (FL)

Creditor Synchrony Bank is using unfair credit practices. The company has reduced my credit limit on a number of occasions and each time it is without timely notice, i.e. written communications. Since this has occurred, I took notice of the timely of the mail and they took adverse actions to my account prior to my notice thereof and further more reduced my credit limit below my outstanding balance. Since this company has taken over for GE Capital it has been a nightmare. I want my credit limit restored so it does not continue to adversely affect my credit until such time as I can pay the account off.
Consumer complaint received 2021-03-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paypal Holdings, Inc (MA)

Pay Pal set up a policies to communicate them with issues of the account that I possess with them which make it extremely difficult to contact them with issues on the account, In doing so paypal is in violation of regulations involving consumer fraud and disputes in Transactions. 

Pay Pal is also in violation of the American XXXX  act as they are making their site extremely difficult to use by using endless prompts and loops to contact them that lead either to useless information or to automatically hanging up on their clients. 

They are maintaining their positions by using their monopolies on financial transactions.
Consumer complaint received 2018-03-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: OCEANSIDE MORTGAGE COMPANY (IL)

Our servicer Oceanside Mortgage migrated to a new payment system. I set up the XX/XX/XXXX payment manually due to the migration change. I additionally set up the bank information for automatic debit. 

For some reason, Oceanside did not process the auto payment information and did not take the XX/XX/XXXX and XX/XX/XXXX payment. When I discovered this in XX/XX/XXXX, I contacted Oceanside and discussed ways to make up the shortcoming.

We agreed upon three payments in XXXX XXXX XXXX and XXXX to rectify the balance issue then resume our regular payment. Payments are being made as scheduled. 

Oceanside is however continually contacting us and sending letters starting account is heading to foreclosure. We contacted them several times, they have acknowledged the payment arrangement but continue the mail email and phone calls. 

We want the harassment to stop and for them to honor their agreement
Consumer complaint received 2017-11-28
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. (TX)

Experian and XXXX credit companies are not updating my personal credit that I have disputed and that Lenders such as XXXX/XXXX XXXX, XXXX XXXX and XXXX have disputed on my behalf. XXXX XXXX mortgage disputed my loan so that Experian and XXXX would update it to a " In good standing and up-to-date account. My student loans held by XXXX and XXXX XXXX have XXXX balances and have been dismissed due to my XXXX XXXX. Also, they will not update and remove old information from my report such as what XXXX has done. XXXX is working on my report but Experian and XXXX refuse to update my credit and give me an accurate credit score. In fact I am unable to get a credit score from Experian. Please help me with this issue.
Consumer complaint received 2017-11-28
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. (FL)

This is a loan that has been charged off since 2014. I have not made a payment since 2014, and this account has reported as closed/charged for a long time. Lately XXXX has been reporting it as open, with a late payment report as well. This brought my credit from XXXX to XXXX. I have not called them, or made any agreements to pay off my outstanding debt, and I never will. I need to rebuild my life, and my credit. I am a single father, and I raise my child on my own. I ca n't buy a house for a long time because of this. Or even a new Car.
Consumer complaint received 2018-02-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (NM)

On the night of XX/XX/ I was looking through my mail when I noticed an envelope from XXXX XXXX XXXX, having a credit card with I opened it immediately. In said envelope was a new credit card I took it off the paper and turned it around and I looked at the name, XXXX XXXX, was the name on the card. I have no idea who this person is, I have never even heard that name before. I then called XXXX XXXX XXXX to find out what was going on. On the line with them their automated machine told me had a balance of XXXX, I was completely floored. I then tried cancelling all cards linked to my account, which I thought was only one, the one I applied for. When I was finally able to talk to someone, she transferred me to their fraud and protection department. I spoke to XXXX and she told me that this person authorized themselves on my account using all my personal information. XXXX XXXX increased my credit limit to XXXX the same day and ordered a card for herself. XXXX also told me that XXXX purchased XXXX on XX/XX/. She also told me that this person actually called twice once at XXXX and again at XXXX on XX/XX/. The conversation ended with XXXX telling me to contact the credit bureaus and to put an alert on my social security number.
Consumer complaint received 2017-10-03
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: BARCLAYS BANK DELAWARE (MO)

My ex husband was awarded my credit card debts in my divorce. Due to his negligence to pay the monthly fees, it has effected my credit report negatively and dropped my score significantly. He is the responsible individual for these, not me. He has not paid on these items since taking over the debts. I do not have the finances to cover these debts like he can do. I have tried to contact these companies and they have yet to remove me as the responsible party.
Consumer complaint received 2017-10-03
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: Experian Information Solutions Inc. (NY)

I have recognized hard inquiries on my credit card, which i did n't authorize. I did not give them my consent, it was not court ordered, or was not for insurance or employment purposes and it was n't a firm offer of credit. Hard inquiries by these companies on these dates was not authorized : *XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX *XXXX XXXX  XX/XX/XXXX *XXXX XXXX XX/XX/XXXX*XXXX XXXX XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-09-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (DE)

transworld systems inc. XXXX XXXX XXXX XXXX de. XXXX ( XXXX ) XXXX assigned date XX/XX/2020 has been sending me collection notices in the amount of {$200.00} the collection has been reported as past due balance. I do not know this company. i have never done business with this company. this company does not have a contract with my signature
Consumer complaint received 2018-06-07
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. (FL)

Please remove the following fraudulent inquiries from my TransUnion Credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-11-28
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: Experian Information Solutions Inc. (MI)

I have submitted a police report to all 3 credit beuros aeveral times reguading the following i b quires. I need them removd immediately because they are causing negitive impact on my credit report. Th r y are not mine and never authorizrd. Here is list of inquiries, thank you XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AFNI INC. (VA)

On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX which they received on XX/XX/XXXX asking for validation of a debt that tgrh stated I owed. XXXX XXXX XXXX was unable to provide that information because so they stated they would give the account back to XXXX XXXX ... Shortly after I seen that I now had a XXXX XXXX debr on my XXXX report through a company called XXXX in the amount of {$1.00}, XXXX in which I was never notified by XXXX via mail in reference to this debt, lastly I received a bill from a company by the name of Afni for XXXX XXXX with a debt amount of XXXX ... These companies has failed to provide any proof that this is my debt and XXXX XXXX keep selling my account to multiple people without any contractual obligation from me ... I asked that this account be removed from my report by XXXX, I ask that my information be taking from Afni system and not to be sold or transfered to any other company because they have failed to provide me with the audit trail of the said account ....
Consumer complaint received 2017-11-28
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. (WA)

I did not authorize these inquiries at any point in time, I have attempted to get them taken off to no avail, without proper response or action from the credit reporting agency, transunion XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2018-06-07
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. (NY)

Information and documents were provided to Experian in efforts to remove negative information being reported by Experian, however Experian has not removed the negative information.
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FinCo Services Inc DBA Current (AZ)

On theXX/XX/2020, my sons allowance was allowed to be stollen from his current card. While he slept their lack of security allowed someone to charge at the same place,XX/XX/XXXX, Approximately 20 times in a few hours. They will not respond to us we must contact them only by text. They said if we would file a dispute form they would replace the money while the dispute is being challenged. When we check on it they text that they are still waiting for a response. They have not issued his Money back, they do not allow any contact, he has started school and has no access to his own prepaid money. We filed the dispute on XX/XX/2020 and no response and no money returned so he can remove it.
Consumer complaint received 2015-09-07
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc. (TX)

Last month, in XXXX 2015, I applied for credit at Conn 's in XXXX XXXX, Texas for a new TV and entertainment stand. I attained the products and received my payment booklet a few weeks later. 

On XXXX XXXX, 2015, I purchased a money order for {$37.00} for my first payment. I was not able to mail it off that day. 

On Sunday, XXXX XXXX, 2015, I received a call from Conn 's saying that my payment was late. I was told that it would be due on the XXXX of the month, by the store sales rep. My booklet indicates that it is due the XXXX of the month. 

The woman told me no, that it is due the XXXX. I told her that I would put it in the drop box that day, but, due to Monday being a holiday, the postal service wo n't pick it up until Tuesday. She was nice and said she 'd document that on my account. 

A few hours later, I got, yet, another call from Conn 's about my account. I was stunned to hear that, until my payment is processed, they would be calling me DAILY. I said, no, they would n't. I received no other calls that day. 

Monday, XXXX XXXX, 2015 I received NO LESS that XXXX phones, along with a text message AND an email about this payment. Unfortunately, I deleted the email and text, but, have a screenshot of Conn 's acknowledgement of my request for stopping text notices. 

I called back and spoke with another person and told them NOT to contact me again today, tomorrow, or any other day, as this is harassment. I also informed them of my intent on filing this complaint. I hope they do n't attempt to contact me again.
Consumer complaint received 2021-07-05
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: Specialized Loan Servicing Holdings LLC (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2018-06-07
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: ENCORE CAPITAL GROUP INC. (AL)

I have disputed this entry that is reflected on my credit report by XXXX XXXX to the credit bureaus as well as to the company itself. This entry reflects that I have a balance and a past due balance ; however, I have never engaged in any business transactions nor signed any contracts with this company. In my recent dispute sent to Midland inXX/XX/2018, I requested that they provide : An agreement that stated their authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary Midland failed to comply. I am requesting that this entry albeit not being validated be immediately removed from my credit reports.
Consumer complaint received 2022-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have filed a FTC complaint, and Transunion still refuses to remove the items listed in the complaint. FTC report # XXXX Please remove the items IMMEDIATELY ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX  XXXX XXXX {$71.00} XXXX XXXX XXXXXXXX {$860.00} XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX INQUIRIES-HARD XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX SOFT INQUIRIES XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXXTRANSUNION XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX