davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-09
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. (TX)

Is CFPB or any other government agency planning to file suit against Equifax? If these credit monitoring companies including Equifax took ownership to collect all the critical and sensitive personal data ( PCI/SPI/CPNI/RPI ) they should accountable for the security breach. The following article shows how irresponsible Equifax is which not only needs tougher law and punishment but rather govt should shut down these agencies ASAP [ XXXX XXXX XXXX XXXX ]. These companies are just skimming money from the consumers and do not stand up to protect consumers privacy.
Consumer complaint received 2017-08-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NJ)

applied for a loan through XXXX XXXX to one main on XXXX XXXX 2017, received an approval for 2 types of loans. XXXX car and up to XXXX personal. Document says just need to finish up bring your check book to One Main in XXXX, NJ. I get a call on Monday asking for different information saying that was a pre-approval. The letter is not it clearly states approved. they take additional information say it needs to go to underwriting and they will get back to me by the end of the business day. 10 minutes before they close I call and they said oh it just came out sorry we cant due to a bankruptcy that was discharged 7 years ago and open judgements, Mind you I pulled my credit today and have 1 judgement that is paid in full that I am waiting for it to come off. The information they gave me today is the same nonsense they gave me back in XXXX when I applied. I have attached the first letter from XXXX showing I had to provide more information and then was denied. I have also provided the letter from the XXXX stating approved and nothing saying otherwise.it states bring your things and we will fund same day. this is bogus false advertising and i 'm being discriminated against because someone did n't do their job right today and looked at the old denial possibly. big difference in letters and they are not looking at my credit from the 3 major bureaus who only how the one judgement
Consumer complaint received 2022-02-08
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: TOYOTA MOTOR CREDIT CORPORATION (PA)

Toyota motor credit is continuing to report false information on with all three credit agencies, I'm not reasonable for any debt or outstanding loan balance or reposition. please remove this reporting immediately from all three credit agencies or legal action will follow. I did give authorization for any to be placed in my name or on my credit profile with Toyota motor credit.
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I took a loan out XXXX XXXX. XXXX XXXX XXXX. XXXX LOUISIANA. I PAID THE LOAN OFF ON XX/XX/XXXX FOR XXXX TO XXXX XXXX XXXX LOGGED IN AS XXXX XXXX. ON XXXX XXXX A UNAUTHORIZED CHARGE OF XXXX TAKE FROM MY ACCOUNT UNAUTHORIZED. REPORTED TO CAPATIAL ONE BANK THEY GAVE ME CLAIM # XXXX. 
I REQUSTED CAPITOL ONE TO GIVE ME TO FRAUD DEPARTMENT BUT AFTER 6 WORKING DAYS STILL HAVE NOT RECEIVED ANY HELP FROM CAPITOL ONE XXXX
Consumer complaint received 2017-08-22
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. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Consumer complaint received 2022-10-06
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (TX)

on XXXX/XXXX/XXXX I opened a citi bank account because I was going to switch from my current bank. I thought i was making the right decision. So, i opened the account online. Therefore, the card comes in the mail about 7-10 days after the account is opened. I wanted to transfer the funds I had in my current bank to the new Citibank checking account. My account was n't enabled for inter institution transfer so i wrote a check from my current institution to the new one. Check cleared everything is dandy, or so i thought! I found out today without notice over the phone that my account is in the process of being closed due to " fraud ''. I think this is complete discrimination. I did not commit fraud, nor have I ever. I had XXXX for 10 years with no issues. The representative supposedly said that I was advised not to do " self-self '' checks, she was very rude but I was NEVER told that. I only had the account for a week why would they feel the need to tell me that?
Consumer complaint received 2017-09-02
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. (VA)

I have disputed a bankruptcy case with XXXX & Transunion which they came back saying the information is verified. Advised my bankruptcy is being listed as chapter XXXX when it should be a chapter XXXX they stated it came back verified. I wrote the office of the clerk they advised me that they do not report bankruptcy. case information to credit reporting agency. Per section 609 ( a ) ( 1 ) they are required by law to verify through physical verification of the judgement. Public record information was never validated. I ask them to delete the judgement due the inaccurate reporting.
Consumer complaint received 2017-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (TX)

I closed my account with XXXX on XX/XX/XXXX, I paid all that was owed and received confirmation of my account being left in XXXX both for services or installment plans after my payment of {$74.00} dated XX/XX/XXXX. 

I received a collection letter dated XX/XX/XXXX from XXXX XXXX XXXX. stating the following : Creditor : XXXX, XXXX Client Account # XXXX Convergent Account # XXXX Amount Owed : {$250.00} After receipt of letter I went to the XXXX store on XX/XX/XXXX and was contacted with costumer service XXXX XXXX EID XXXX who said he could not provide information on my account, that I needed to contact the collector for information on the amount owed. Same was told by the store clerk. 

On XX/XX/XXXX I contacted the Collector XXXX XXXX XXXX, who told me that they could not provide information on my account other than the amount owed, in addition they failed to identify themselves. 

I have sent a letter to the collector disputing their harassment and the debt. 

It is very unfortunate and illegal the manner in which this companies act. No one provides information, not only this they fail to provide anything in writing. It is as if the strategy is to force the consumer to give up and pay an unlawful debt.
Consumer complaint received 2017-09-09
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. (IA)

Equifax mishandled my information and I was listed as a potential victim according to their security web site following the recent hack. I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Consumer complaint received 2017-08-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX allowed an unknown party to change the name on my XXXX   Credit account. Then lowered by credit limit negatively impacting my credit score. I now have another name associated with my credit profile and social security number due their error.
Consumer complaint received 2019-10-25
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (TX)

XXXX XX/XX/XXXX Radius Global Solutions XXXX XXXX XXXX XXXX, MN XXXX I got a call today from XXXX with your company. She broke federal and state laws in her attempt to collect a debt that I dispute but that you argue is valid. How can you decide it is valid when your company has not even heard my objections to the debt? This is an unfair practice and I am forced to report your company to the proper authorities. XXXX also tried to verify my identity BEFORE she mentioned what company she worked with, which is another violation of federal and state laws. 
I attended XXXX University Online with the help of federal student aid monies. I withdrew in XXXX of XXXX and my last day of class was XX/XX/XXXX. XXXX provided me with a letter dated XX/XX/XXXX, which concerned my federal student loans and repayment options. Nowhere in the letter dated XX/XX/XXXX is mentioned a spurious {$800.00} that you are fraudulently trying to collect from me. The school, XXXX, also sent me a letter dated XX/XX/XXXX regarding my student loans. This letter also does not mention any {$800.00} owed to the school. 
While I was attending, there was intense pressure from the school to get me to sign a private loan agreement, which I steadfastly refused to do because the repayment terms were not affordable for me and my situation. I never signed anything stating I would owe the school {$800.00}. 
The school knew very well I was dependent on financial aid to attend, and they in fact returned a student loan to the feds when I withdrew. If this {$800.00} was truly a valid debt, then surely they could have retained that amount for themselves when they refunded my loan. Instead, they refunded a certain amount and they are now trying to fraudulently collect {$800.00} from me, which I never ever agreed to pay. Your company is under contract with them, and your company is also engaged in deceptive and unfair debt collection practices. I will alert the appropriate federal and state agencies about this matter, I assure you. 
I look forward to your response. 
Sincerely, my name cc : atty cc : consumerfinance.gov cc : State of Texas Attorney Generals Office
Consumer complaint received 2017-09-02
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. (CA)

I have been trying to fix this problem since XXXX, but the credit bureaus just go by the word of the Creditor. I reported to the bureaus that that account is not mine because it could n't be my signature because I was fresh out of the hospital from my XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want to see that paperwork with my so called signature to prove that it 's not me. I have the right under the Fair Credit Reporting act to ask and get a copy of The contract with my signature.
Consumer complaint received 2017-08-21
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I am still disputing this debt that you stated is VERIED but did not confirm that it is VALIDATED, I contacted the original creditor who was unable to validate this credit account was mine. I am responding in a timely matter to your attempt to validate this debt because I still consider this debt as '' still in dispute ''. I would like documentation to clear up my reasons for disputing this debt ( agreement that bears signature of the alleged debt, complete payment history on the account to prove the debt being collected is correct, etc ). In addition, you must also be aware that until you validate this debt, you can not continue to report this information on my credit report as that is non- compliance with FTC XXXX Accounts- XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reporting twice XXXX XXXX acc. XXXX, XXXX
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

This complaint is with Equifax - my data was compromised and now they wrongfully made me consent to an illegal agreement to give up my rights by forcing me to find out if my information was compromised. This practice should be stopped immediately.
Consumer complaint received 2017-08-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

I checked all my US Bank records, there was ONE document I missed when I first sent the complaint to US Bank. Complaint number XXXX in the amount of {$18000.00} on XXXX XXXX, XXXX, another {$10000.00} on XXXX XXXX, XXXX, in the Total amount of {$28000.00}. with the same address, recipient, account but two different amount. 

Beneficiary Account number : XXXX Recipient Bank : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  Recipient NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( next to XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2017-09-02
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (CA)

Last year around XXXX 2016, Nordstrom out of nowhere froze my credit card with them. I have tried every attempt to contact them through their online messaging center and through phone. Every single time I message, they do n't give any answer other than to call them. Every single time I call them, they do n't tell me why my account is frozen, and do n't tell me what I can do to unfreeze it, do n't tell me who I can talk to or call, and they never call me or follow up to continue the conversation so that I could reach a resolution.
Consumer complaint received 2017-09-09
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. (TN)

The large Equifax hack leaked my personal financial identification data. My credit cards, XXXX, and other personal identifiable data could potentially be used to steal my identity and commit fraudulent financial acts.
Consumer complaint received 2022-09-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (GA)

XX/XX/XXXX XXXX of my loans for {$43000.00} was transferred to Navient. 
XX/XX/XXXX my balance erroneously jumped to {$100000.00}. 
XX/XX/XXXX my loan balance was {$110000.00} XX/XX/XXXX {$55000.00} was subtracted from my account changed the balance owed to {$55000.00}. I was told this was to correct the error they made over 7 years ago. 

Navient had been accruing and charging me interest on money that I didn't owe. They erroneously added {$58000.00} to my loan and then 7 years later only removed {$55000.00}. When I discovered this issue I began asking the customer service reps about it when they call and they won't address it. They keep saying it's been fixed, move on. They did this to my other loan as well. Below are those details. 

XX/XX/XXXX my loan was {$33000.00} and the balance jumped to {$70000.00} ( + {$36000.00} ) XX/XX/XXXX loan balance was {$73000.00} XX/XX/XXXX {$36000.00} was subtracted from the loan and new balance was {$36000.00}
Consumer complaint received 2017-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OR)

I have 2 issues against 2 lenders. 
First one is XXXX XXXX. I sent in more than was required For My Minimum Paynent and instructed them in writing as to how I wanted the excess funds to be applied. They repeatedly failed to follow my instructions. 

Second complaint is against Naviant. When my loan was transferred to Naviant, they set my payment amount to the rate I had been paying, which was significantly higher than what my minimum payment amount was with XXXX XXXX. We wanted to pay my loans off faster and have been able too, but would like to have the option of the lower amount. ( Original payment was around {$500.00} and new one is around {$900.00}. )
Consumer complaint received 2017-05-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cash Express, LLC (TN)

XXXX was the lady who set up my flex loan and payday loan. I had only met her through lending relations. I had been making payments promptly as required. I work full-time at a similar company and as needed at XXXX XXXX. I work at XXXX XXXX usually around the busy holidays and special events such as graduations. XXXX XXXX XXXX weekend I worked Friday evening, Saturday night, and all day that Sunday. I was confronted by XXXX 's husband XXXX. XXXX is the Cash Express employee who processed my loans. XXXX 's husband, XXXX, works in the XXXX at XXXX XXXX. I rarely see or speak to him even when I am working due to his position. However, XXXX XXXX XXXX weekend when I worked he approached me saying, " I did n't know you knew my wife? '' I asked who his wife was and how I 'd know her. XXXX stated, " You owe my girl money! '' I laughed and told him to shut up. He stated, " I 'm serious. '' I asked how I owed his wife money. He said " My wife is the XXXX woman at Cash Express. '' I told him I did n't owe them anything. He said, " Oh, you must have paid them off. '' I told XXXX to leave me alone and walked off. He laughed and said, " We all broke around here ''. After XXXX XXXX XXXX weekend, that following Monday, I was due for my payments at Cash Express. I  received two calls from the XXXX XXXX XXXX location but I did n't answer. The calls persisted for 2-3 days. I assumed they deposited the check and it returned back to them. I received a call from a different number that was n't one of their store numbers ; maybe a personal number. XXXX stated her name and I told her I was going to do a Debt Consolidation to pay the two accounts with them off and that I did n't want any communication with her after the call. She stated her company does n't work with payday consolidation companies, I said okay. She said she will be taking me to court and hung up. I was never going to make a complaint on anyone or the company itself, but when she verbally threatened to take me to court and now I 've received court papers, I have no choice. My privacy was invaded and personal information was given to someone that should 've never known about it. I know the lending laws and I do not approve of how she shared customer information with her husband regardless of him working at a job I work at here and there. I am very distraught about the whole situation and having to report a business for something that should 've never gotten out of hand!
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

I tried to unfreeze my credit report. It could not be done online, and asked that I send in documents. I sent in all documents. They charged me the XXXX $ fee, but have not unfrozen my account.
Consumer complaint received 2017-09-09
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. (TX)

On XX/XX/XXXX, Equifax announced that a " cybersecurity incident '' compromised confidential information including social security numbers, birth dates, addresses, drivers license numbers, and credit card numbers for approximately 143 million U.S. consumers ( or roughly 66 % of all adult Americans, as I understand it ). 

After checking with Equifax, I have learned that my information was compromised. 

This " cybersecurity incident '' was discovered on XX/XX/XXXX, and the company allowed over a month to elapse - a month during which my social security number and a handful of other identifying information could have been used to impersonate me - without notifying me in any way ; then when they did notify the public it was through a general message on their website with no direct contact to let me know that the press release had been published. If it were n't for traditional and social media, I would not have even known that my identity had been compromised well over a month ago due to the negligence of Equifax. 

Again, despite having access to my address, to multiple phone numbers, many ways to contact me, Equifax decided to say nothing publicly for over a month, and then to issue a public statement with no way of me knowing that the statement was made if not for third parties. 

Equifax has offered a free year of credit fraud monitoring, but frankly this is not a solution. My identifying information can not be recovered, and I will still be at risk for far longer than Equifax is willing to monitor my information for possible fraud. To ensure that my identity is secure after the one year, I would have to enroll in a paid program - effectively rewarding Equifax with my business for its negligence.