davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (WA)

I had lost my job but have a job now. I have tried to work with One Main Financial and they are being so difficult. I need to get caught up on my payments, I need to know what my interest rate is and I need to know when this loan will mature. Nobody is able to tell me when this loan will be paid off if I keep making payment of XXXX a month which is the minimum monthly payment. They just keep telling my loan matures in 2019. What the XXXX does that even mean? Does that mean if I still owe a balance in 2019 that the loan is done being paid off and I won't have to make payment any more. I just want to know if I am behind in payments how long will it be to catch up? Once I am caught what is my interest because right now only like XXXX is going to principal. If only XXXX a month is going to principal when the XXXX will this loan be caught up, what will my interest be and when will this XXXX loan be paid off? Like I said they keep saying 2019 but won't clarify once the loan hits maturity and there is still a balance owed what happens to the amount due after maturity. I want the loan current now that I am working, I want to know why only XXXX out of the XXXX monthly payment is going to principal and I actually want to know how long it will take to get this loan payed off. No one can tell me know matter how hard I have tried to get this information.
Consumer complaint received 2018-06-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: LICTY, INC. (WV)

In XX/XX/2017 I was contacted by a company called XXXX XXXX. They told me that they have been sourced by the government to help implement an Obama administration debt relief program. I was explicitly told that by signing up with them they would consolidate my student loans and turn my monthly payment towards my loan into one third of the price of what it had been. I was explicitly told that after making this smaller monthly payment to XXXX XXXX for 4 years my loans would be paid in full. I was explicitly told that these monthly payments would be put towards the towards the principal of my loan. They said they were part of a government program. I received paperwork that was intentionally misleading. I have made the smaller monthly payments to XXXX XXXX for 12 months now. I was contacted by my student loan servicing company recently and told that my payment was past due. 

After communicating with the student loan company it became clear that no money had been put towards my loans in the past 12 months and that the company XXXX XXXX is a scam. I called XXXX XXXX to clarify the situation and cease payments immeadiately. I was told that they had nothing to do with my loans and are not a part of the government. It was explained to me that a bank called XXXX XXXX XXXX  had submitted a debt consolidation form to my loan company on my behalf and charged me a fee for this " service '' ( this is free to do on your own behalf through your loan servicer ) and that XXXX XXXX had purchased the loan from this bank and I am now paying off the new loan. When I communicated clearly that authorization for automatic payments has been withdrawn they refused to provide me with documentation that they had adhered to this cancellation and threatened me that if I stop these payments they would not just " go away ''. 
When I contacted the company, they said my file was incomplete & they needed more information. Every time I contacted them ( even after submitting all the previously requested information they needed ) I was told they always needed something else. I have paid {$440.00} to this company ( XXXX XXXX ) and owe {$1100.00}. And they have done nothing on my behalf to settle the student on debt. The contact number they have online is fake, when you call, it immediately disconnects. XXXX & the number used in email messages does not work either XXXX, the person that I would correspond with, his name was XXXX XXXX.
Consumer complaint received 2020-12-04
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. (VT)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2020-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (CO)

Credence Resource Mana filed a collections claim on my credit report in XXXX, 2020. Credence somehow acquired a delinquent account from XXXX that had my name on it. This account was created under my name but I knew nothing about it. I have been a victim of identity theft and I have been having issues like this for several years. I filed a dispute with a credit bureau ( s ) and I discussed the situation with a Credence representative. Credence mailed me a fraud packet and I filled it out and sent it back with  supporting documentation. The delinquent account was then removed from my credit report. Today ( XX/XX/2020 ), I discover that XXXX XXXX XXXX has filed another collections claim on my credit report for the same amount and again from XXXX. I called XXXX and explained the situation and they told me they have no record of my dispute or fraud packet and that I am going to have to go through he same process again with a fraud packet, etc. It appears to me that when Credence could not collect the debt because of fraud, they sold the account to XXXX. I am concerned this will never end and that XXXX will sell the delinquent account to a different company after they receive my fraud packet.
Consumer complaint received 2022-09-12
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

After years of never missing a payment on my Bank of America Visa, I missed a {$40.00} payment in XXXX because I never received a statement. I never went paperless. And I didn't receive any notification until XXXX. Then I contacted them and learned they'd been charging late fees of {$39.00} per month and have closed my account. And this shows on my credit report.
Consumer complaint received 2018-03-13
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: EQUIFAX, INC. (FL)

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Equifax XXXX   Re : Fraudulent Credit Inquiry To whom it may concern : Recently i received a copy of my credit report which showed Inquiries i didnt not authorize. I understand and aware that you should not put an inquiry on my file unless i have approved it. I have provided you with a police report and i am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed off my credit file immediately because i did not authorized them and they are fraudulent. 

List fraudulent inquiries : XXXX XXXX, XXXX, XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely XXXX XXXX
Consumer complaint received 2023-07-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

Caller spoofed Wells Fargo Customer Service number. They pretended to be wells fargo saying there was some unusual activity on my account and they wanted to confirm I approved the transfer of money to XXXX XXXX in texas. I said no and through a series of questions you would typically get through a bank, they said I needed to open a new account and gave me the new account number ( fake ). They said the supervisor would make sure the money was transferred to the account and could I wire the money over to him so he could assure deposit into my account.. Turns out all a scam and the money went to a XXXX account XXXX XXXX. Turns out when I called Wells Fargo they opened an investigation and determine this occurrence didn't meet their criteria for funds reimbursement and XXXX said the money was gone. I am not the only one falling for this scam per both the media and the XXXX XXXX agency.. My feeling is Wells Fargo failed to protect their clients by not notifying them of this particular scheme. This is a breach of trust. 
Wells Fargo claim number # XXXX
Consumer complaint received 2022-09-12
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX  # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The following accounts are all fraud and need to be deleted from my credit file immediately.
Consumer complaint received 2021-03-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MI)

My home mortgage was transferred from XXXX mortgage to Specialized Loan Servicing. The following is a brand new complaint submitted to Consumer Financial Protection Bureau due to servicing violations and failures by Specialized Loan Servicing taking place between XX/XX/2020 to present. 

>In the process of transferring my loan, additional fees were applied to my account.by Specialized Loan Servicing, and were added to my minimum mortgage payment. I have questioned these fees with Specialized Loan Servicing customer service with no help. Within the past 10 months, I have been promised supervisor call back on 3 occasions, yet never received a call. Within the past 10 months, I submitted 4 qualified written requests under RESPA law. I did not receive a timely or compliant response. 

>Instead, Specialized Loan Servicing kept me in their auto dialer collection queue, even though I revoked consent on multiple occasions to the robo calls under the TCPA ( Telephone Consumer Protection Act ). 

>Specialized Loan Servicing responded to this by disabling my online account and my ability to pay my monthly mortgage payment online I was forced to call in payment, to which Specialized Loan Servicing representatives require {$12.00} processing fee be added to my monthly payment. Specialized Loan Servicing also recorded multiple late payments on my credit report that were not late. 

>I have responded to Specialized Loan Servicing 's failures and nonconcented robo dialer phone calls by filing RESPA ( Real Estate Settlement Procedures Act ), TCPA ( Telephone Consumer Protection Act ), and FDCPA ( Michigan Fair Debt Collections Practices Act ) lawsuits in my state of Michigan >Anyone that has experienced this behavior from Specialized Loan Servicing should contact a local consumer rights attorney. The Telephone Consumer Protection Act alone awards victims amounts between {$500.00} and {$1500.00} per violating phone call, in addition to the other reliefs awarded under RESPA and MFDCPA
Consumer complaint received 2018-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (NV)

On XX/XX/2018 I contacted customer service at XXXX XXXX to inquire about lowering the interest rate & changing the payment due date. I wanted the due date for each month to be on the XX/XX/XXXX of each month instead of the XX/XX/XXXX of each month. They refused to cooperated with me. They closed my account because of delinquent payments, but I had complied with their request to pay back payments to get current. 
The bank DID NOT contact me by phone, email, or letter that they were doing this.
Consumer complaint received 2015-04-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (PA)

I have had a bank account at TD Bank NA in XXXX, Pennsylvania. I opened the account almost three years ago only used the account twice to use the counting machine in the branch, and so maintained a low balance. I have not deposited, withdrawn, or had any transactions with my account, including coin counting for over two years now. My account was noted as " inactive '' on XXXX 's system, and as such I was not able to conduct transactions over the phone, which I found out today. 

Recently, TD Bank converted my account without my consent to an account with a minimum balance. As a result, they charged fees to my inactive account for not meeting the minimum balance. TD may have assessed overdraft fees because the fees they assessed for not meeting the minimum balance brought my balance below zero. All of this without my consent and on an account they knew and had listed as inactive.
Consumer complaint received 2022-09-12
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. (TX)

( 1 ). In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

( 2 ). In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


( 3 ). In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


( 4 ). In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

( 5 ). In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

( 6 ). In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


( 7 ). In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NC)

In early XX/XX/XXXX I received a email saying something was added to my credit report so went to take a look and saw it was for national credit cards/airlines that I never applied or got an credit check for and it is supposed to come off my credit in year XX/XX/2020 but I never did any of this I just need information on getting it removed.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have inaccurate reporting all throughout my credit report, I have attached credit report with side by side comparison. 

According to the Privacy Act of XXXX  ( b ) CONDITIONS OF DISCLOSURE No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains unless disclosure of the record would be -- I have several charge offs listed on my report, I now know a charge-off is considered a certificate of indebtedness, which means it is income and income can not be reported on my credit report. 

I am also aware that transaction history can not be reported on my credit. 

I also want all unauthorized inquiries removed. 
15 USC 1681 states 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

Kohl 's Department Store The account was closed and/or paid in full on and/or before XX/XX/2020 The reflection on the account shows a {$95.00} balance, again the account was closed on and/or before XX/XX/2020 and/or no charges were made on and/or after that date. 
In speaking with several of Kohl 's customer service agents, each assured the account was being updated and a XXXX balance was going to be shown. 
The Federal Regulations are clear on any institution such as Retail when the account is closed and/or at a point of XXXX, it is illegal to continue to charge the consumer any fees and/or interest. The {$95.00} is the reflection of that illegal process. 
There are other consumers who are and/or have experience the same illegalities by Kohl 's Department store XXXX
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The credit report shows two XXXX XXXX accounts with late payments for the last 36 months, whereas I made all payments on time and agreed with XXXX XXXX. 

The credit report also shows a XXXX XXXX account with late payments for the last 36 months, whereas I made all payments on time and as agreed with XXXX XXXX.
Consumer complaint received 2022-09-12
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 2018-06-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (FL)

XXXX XXXX from Receivables Performance Management called about a " financial matter. '' They would not tell me what it was about until I verified my zip code. I refused. He was using my maiden name ( I've been married for 12 years ) and my current residential address. 

I told him to send a certified letter if this matter is truly " verifiable ''. He gave me his address as XXXX. XXXX XXXX XXXX WA XXXX. And a contact phone number of XXXX. 

They have also called XXXX repeatedly ( 3 times on XX/XX/XXXX, 2 times on XX/XX/XXXX ) They have called XXXX repeatedly ( Over 20 times in the past two weeks ). 

I have received no mail regarding this matter.