davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (GA)

OnXX/XX/XXXX, I applied for a loan through Big Picture Loans. I was approved for {$600.00} loan. They quickly approved my loan and within a few days, after giving them my banking information, I received the {$600.00} as a direct deposit into my XXXX XXXX XXXX Account. I was told there would be a finance charge, but there was no disclosure about the APR. When I received the first statement, they sent the following information ( copied from the emailed statement ) : Loan Status : Current Balance : XXXX Principal Balance : XXXX  Interest Balance : XXXX Scheduled Payment Amount : XXXX Next Scheduled Due Date : XX/XX/XXXX Due Date : XX/XX/XXXX Maturity Date : XX/XX/XXXX Amount to Bring Current : * XXXX Past Due : XXXX Fees Due : XXXX Current Due : XXXX Total Due : XXXX The only thing that caught my attention and made me think something was wrong was the maturity date. They are taking XXXX out of my checking account twice monthly. Why would the maturity date be XXXX XXXX? I have called the company and sent emails requesting more information with no response. Yet the payments are continuing to draft. I finally went on the website and figured out how to find the actual agreement, which states I am paying 636.2942 % interest, and at the maturity date I would have payed in total {$4300.00}. This is outrageous and I believe it is illegal in the state of Georgia. I was not informed of this interest. I would have never done this. I was unable to view the truth in lending disclosure until the loan was approved and the funds were delivered. I believe this is both fraud and illegal. I was furthermore informed by the company that they immune to the laws of the federal government because they are governed under tribal law.
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I need help. I do not mind paying what I rightfully owe to this company, however, I believe that 636.2942 % interest is illegal loansharking at best. I need assistance in handling this problem. To this date, I have paid a total of {$500.00} ( XXXX paid on XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX of XXXX XXXX ).
Consumer complaint received 2020-09-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

XXXX XXXX XXXX was trying to collect {$2100.00} for unpaid rent and damages and filed an eviction in XX/XX/XXXX. We went to court, which was in XX/XX/XXXX for the unpaid rent of {$730.00} and the court awarded them a total judgment of {$970.00}. Prior to court, XXXX XXXX sent a personal invoice for what they felt were total fees and tried to collect on damages, which there were none according to the judgment against me and XXXX XXXX collected on a Sure Deposit of {$2000.00} from XXXX XXXX XXXX XXXX and I believe this is the debt amount they sold to National Credit Systems which is incorrect. I have also attached the court document below showing the judgment owed.
Consumer complaint received 2020-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (CO)

I had an email from XXXX  saying that I had an alert on my credit report on XX/XX/2020. I checked my credit report and it said Commonwealth Financial was trying to collect a debt of {$520.00} and I had a derogatory account. I have received no phone calls, emails or anything about this debt? I dont think it is mine. Im not sure how to get ahold of the company and if this is fraud or not. I dont have any debt for that amount. This is a false debt and I would like to clear this up.
Consumer complaint received 2023-01-30
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: Radius Global Solutions LLC (NC)

Medical debt under {$500.00} reporting to all three credit bureaus. Reporting medical debt that has already been paid to original creditor. 

XXXX XXXX : XXXX XXXX XXXX {$51.00} {$120.00} {$120.00} {$120.00} {$700.00} Radius Global {$150.00}
Consumer complaint received 2020-09-22
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 (MA)

I have a Credit Card originally issued as a GM Card ( General Motors ) which I have had for more that 25 years. GM Card has become managed or owned by 'Capitol One ' of XXXX. XXXX XXXX XXXX, NC XXXX. My XXXX statement had a balance due of {$3000.00} due on XX/XX/2020. I paid {$2500.00} toward the balance on XX/XX/2020 leaving an unpaid balance carried forward of {$580.00}. My XXXX bill showed a current balance due of {$1500.00} of which I had a Interest charge of {$35.00}. The interest charge was on the unpaid balance from the previous month of {$580.00} so I was effectively charged 5.95 % interest for one months interest. That would be an annual percentage rate of 71 %. I would think that is a rather high interest rate by any standard. I complained to the company and they said it was charged from the date of purchase on the items. Had I known this I would have paid the entire balance in XXXX. Had I known this before XXXX I would have cancelled the card. These rates are predatory on credit card users and should be reviewed by your organization.
Consumer complaint received 2020-11-12
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. (NY)

I had bought a XXXX XXXX XXXX on XX/XX/XXXX {$24000.00}. 
Balance owed time of repo {$10000.00}. XX/XX/XXXX They sold the vehicle on XX/XX/XXXX {$12000.00}. 
A collection agency contacted me and said I owed them money. {$10000.00}. And shared with me that it was sold. I explained to them I dont owe XXXX XXXX XXXX Any money if anything they owe me {$1800.00}. Plus my antenna and the mats. 
I had offered to pay them and they refused my offer. It was less than the original agreement but I still offered. I do need help with this matter. Even if it is taken off my credit report. 
It has been charged off so they actually have got paid twice for this vehicle.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

There is XXXX account on my XXXX  XXXX being XXXX XXXX which is only on XXXX  and I never opened an account with this company. The XXXX  XXXX is XXXX which is only on Transunion and I never opening an account with this company.
Consumer complaint received 2020-09-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc. (NV)

I have previously filed a complaint with CFPB ( XXXX ) regarding MoneyLion 's failure to allow its loan clients to revoke ACH authorization. Within that complaint are additional details surrounding my initial failed attempts to revoke.

In MoneyLion 's XX/XX/XXXX response, the company offered to manually revoke this. To date, they have failed to do so, and this further indicates their deliberate refusal to honor customer requests to revoke ACH authorization as mandated by law. 

I am attaching a screenshot from within the MoneyLion app that shows my still-linked checking account of which I have repeatedly requested removal. I continue to receive an error stating " We can't delete your payment method at this time '' with each attempt to remove.
Consumer complaint received 2020-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NV)

I have contacted the state of Nevada on this matter and they have informed along with a response from the company letter. however they have also informed that LVNV Funding is not license in the state of Nevada as a collection agency but this company is reporting on my credit report as if they are the collection agency I'm enclosing a copy of my credit to show proof only for the CFPB please do not sure my credit report to anyone. i would like to get this matter handle as soon as possible thank you.
Consumer complaint received 2020-09-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Adjustment Service, Inc. (MS)

I SENT A LETTER TO MERCHANT ADJUSTMENT SERVICES, INC ON XX/XX/2020 ABOUT AN ALLEGED DEBT OF XXXX $ THAT I DO NOT OWE, I ALSO REQUESTED INFORMATION ABOUT THE VALIDITY OF THE ALLEGED DEBT THAT I HAVE NOT RECIEVED.I HAVE ATTACHED A COPY BELOW OF THE LETTER
Consumer complaint received 2017-08-10
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. (CA)

Supposedly I owe the amount of {$310.00} dollars to collection agency XXXX XXXX XXXX XXXX. At around the time in question I was still out of it, and was on some XXXX medications from my second XXXX. I had in home care, and am still XXXX from my XXXX XXXX. I would love to see the paperwork or some kind of proof that it 's mine, I could n't even have signed anything.
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have a Walmart Credit card through Capital One and when the Pandemic hit and I lost my job I called them and they waived the interest for XXXX I was very grateful and thought things were going to be ok moving forward. However I am one of them that has not gotten their unemployment yet and noticed that for the current month I was charged interest at a very high rate. I have not used my card since the pandemic started and now I am accruing charges and my bill is going up. I called on XX/XX/XXXX and a representative told me not to worry that I would not be charged interest again for this month and moving forward I would have to call every month and keep them updated. I get my statement the next day and it has interest on it and I called in spoke to a lady named XXXX who claimed to be a head supervisor and she said there was nothing she can do that the policy changed and the interest had to stay. How is that working with a customer or anyone for that matter. I would like for this to be looked into.
Consumer complaint received 2020-09-22
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. (IN)

On XX/XX/XXXX XXXX from The Equifax dispute department ( ID # XXXX ) informed me that although Equifax listed that the XXXX account was currently under investigation on my credit report, it in in fact was not. I have pulled my credit file every single day since XX/XX/XXXX ( when I filed the dispute ) through the Equifax credit product that I pay for and each time the account showed that it is still under investigation. I also spoke with a representative from Equifax in late XXXX who informed me that that dispute would be completed by XX/XX/XXXX. According to my records the Company did not respond and this account should have come off my credit report today. Additionally, each time I checked, I was prevented from disputing this item again because it showed that it was still under investigation. This is a recurring issue that I continue to have with Equifax. They have not investigated my complaints and the investigation notice on my credit file for this account has prevented me from being able to dispute it again. Additionally, I sent them copies of the letters that XXXX sent to the CFBP indicating that they do not have any account information matching my information.
Consumer complaint received 2020-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received two letters from Kohl 's department store on XXXX XXXX 2020. The first is a bill saying that I owe {$120.00} asap with a total balance of {$530.00} and the second is a letter saying that I owe that amount. The letters look very official with and have my full name and address. When I call the phone numbers on the letter they ask for my full social security number, which is what tipped me to this being fraud. I called Kohls and they confirmed that an account was opened in my name. I am working with them to make sure to cancel the card and the amount owed, but want to report this activity! 

Thanks, XXXX
Consumer complaint received 2020-08-12
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

A loan request was started with USAA. During the wait for closing date, i found a better interest rate which would assist me in the long run. I had paid for a VA appraisal with USAA, this cost me XXXX dollars. Now i am going with XXXX XXXX for financing and i have requested two different times for USAA to transfer my appraisal through the VA portal to the new lender. i a gave them the lender ID and contact information and nothing has happened. 

Could you somehow please help me with getting USAA to transfer My VA appraisal over to new lender?
Consumer complaint received 2021-09-17
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. (AL)

Paid a debt to XXXX XXXX for XXXX for hospital bill from XXXX XXXX and the debt has yet to be removed.
Consumer complaint received 2021-01-25
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing today in regards to my account with Capital One account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Consumer complaint received 2024-01-30
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (CO)

Currently dealing with Experian about my credit score they are claiming that I have delinquencies late payments, non-mortgage payment and not long history of credit which all XXXX of those things are false and when I call Experian they are showing that I have excellent payment history excellent loan paying loans back that I dont have a non-mortgage payment, and that my credit history is over XXXX years so I dont know I dont understand where the miscommunications coming from and how my credits being affected by something that they cant see you guys probably cant help me, but it would be nice if somebody could help me
Consumer complaint received 2023-01-30
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (MA)

To whom it my concern, I am issuing a formal complaint about CMG. I was transferred to CMG Mortgage in XXXX when I refinanced. I made a payment for my XXXX mortgage on the XXXX of XXXX and my XXXX mortgage on XX/XX/XXXX. See below. These proof of payment have been provided to CMG at least 4 times by me - and faxed by XXXX XXXX XXXX. I have been calling since XX/XX/20 with proof. 

I have called and provided proof of payment. I have emailed and provided proof of payment. I have called back again to confirm proof of payment. XXXX  XXXX XXXX has faxed the payment proof. 

CMG continues to send negative reporting on me to the credit agencies which is unwarranted. I have been on the phone for hours with CMG trying to speak with a supervisor and clear my credit. No one will help me. I keep being put off, but on hold and refused when requesting a supervisor. 

For CMG to destroy the credit of someone who has paid on time, when proof and communication is present, is horrifying.

CMG is unfairly trying to destroy my credit. This is completely unwarranted and unfair. I have paid on time. I have spent hours making calls, going through the proof of payment - and its the same story every time - no one will provide me written proof that this is in process and payments have been confirmed sent or honoring my requests to begin clearing the erroneous dings you placed on my credit. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-21
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC (GA)

I have received several calls about this 10+ old debt. I have instructed them to not call me. They continue to do so. They also spoke with my relative about this debt. This relative does not live in my home and I am unsure how they even got the number. But they were very detailed in giving them the information to pass on to me.
Consumer complaint received 2020-09-22
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. (TN)

All 3 credit bureaus are engaging in a scheme to keep a significant amount of the general public with bad credit so that they can receive more advertising and subscription revenue from high risk lenders. 

XXXX has provided me with 2 letters stating that they have deleted a bankruptcy that did not belong to me off of my credit reports. However, Equifax took it to another level. They switched companies and had some company called XXXX to report a bankruptcy that does not exist. There is no information to the company that fraudulently verified the info. 

I'm attaching the newest letter received from XXXX substantiating my claim and It should not take 60 more days for the three major bureaus to willfully violate my rights again. If it's not settled and deleted in 15 days, I am going to sue all three bureaus and lay out the scheme and ask the for class action certification. 

I have ask for verification on all inquiries showing up on my credit report and I have received no correspondence. I only consented to the US government and XXXX XXXX XXXX. 

There are several companies such as XXXX  that can not be contacted, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX that also should be deleted for unlawfully verifying entries that they know to be false.
Consumer complaint received 2020-11-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (CA)

Enhanced Recovery was collecting for a cell phone bill, I called Enhanced Recovery to pay it, and their collection agent promised me that if I paid them, they would delete it from my credit report at all credit bureaus. 
Their collection agent stated that all I had to do was dispute it through the credit bureaus after I paid them. 
So I paid them, and I have disputed this account multiple times through all 3 credit bureaus but Enhanced Recovery refuses to delete it as their collection agent promised.
Consumer complaint received 2020-09-22
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. (TN)

All 3 credit bureaus are engaging in a scheme to keep a significant amount of the general public with bad credit so that they can receive more advertising and subscription revenue from high risk lenders. 

XXXX has provided me with 2 letters stating that they have deleted a bankruptcy that did not belong to me off of my credit reports. However, XXXX  took it to another level. They switched companies and had some company called XXXX to report a bankruptcy that does not exist. There is no information to the company that fraudulently verified the info. 

I'm attaching the newest letter received from XXXX substantiating my claim and It should not take 60 more days for the three major bureaus to willfully violate my rights again. If it's not settled and deleted in 15 days, I am going to sue all three bureaus and lay out the scheme and ask the for class action certification. 

I have ask for verification on all inquiries showing up on my credit report and I have received no correspondence. I only consented to the US government and XXXX XXXX XXXX. 

There are several companies such as XXXX  that can not be contacted, XXXX XXXX, XXXX  XXXX  and XXXXXXXX XXXX XXXX  that also should be deleted for unlawfully verifying entries that they know to be false.
Consumer complaint received 2021-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Long & Foster Financial Services, Inc. (DC)

Prosperity Home Mortgage XXXX " XXXX '' XXXX originated my loan. When I went to make my first payment in XXXX, I realized only after mailing the check that I had dated the check as " XXXX '' instead of " XXXX. '' I contacted XXXX to ask them if they would accept the payment. The indicated that could not and that I would need to make an online ACH payment. 

XXXX actually ended up cashing both the mailed check and accepting the online ACH payment, so they received and accepted XXXX mortgage payments in the month of XXXX. XXXX then sold both the mortgage and its servicing rights to XXXX XXXX. 

XXXX failed to credit both of these credits to my account upon receipt as required by of XXXX CFR XXXX ( c ) ( XXXX ), and failed to transfer accurate and timely information relating to the servicing of my account ( XXXX CFR XXXX ( b ) ( XXXX ) ). 

XXXX claimed to have wired the second payment to XXXX XXXX, but provided no documentation. XXXX denies receipt of either the payment or any information about the XXXX  payment. 

On XX/XX/XXXX, I sent PHM a Notice of Error pursuant to XXXX CFR XXXX, which PHM acknowledge receipt of. 

Now, as of XX/XX/XXXX, PHM failed to respond to the Notice of Error in the time period required by XXXX CFR XXXX XXXX XXXX ) ( XXXX ) ( i ) ( c ). I was also not notified of an extension of the time period ( XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) ( ii ) ).