davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (HI)

I have sent a letter on XX/XX/XXXX to the 3 Credit Bureaus ( Experian, XXXX, XXXX ) asking to Verify Inaccurate Information that is reporting on my Credit File under all 3 bureaus! 

On ( XX/XX/XXXX ) I received my Dispute Results back from Experian. 
This is my Report # XXXX for XX/XX/XXXX As I was looking through my Dispute Results, Experian verified that I had a Public Record that they have obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX. They also, listed the contact information which is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX GA XXXX, or visit https : XXXX 

I personally contacted XXXX via Phone ( XXXX ) to request my Consumer File, no  which the Agent I spoke with could not find a file under my name and social security number! I also submitted on their website an Electronic Request Form here : https : XXXX  I filled out all my personal information as stated on their website! 

Today, XX/XX/XXXX : I received my XXXX Letter in the mail stating that they were unable to process my request at this time. XXXX had conducted a search of its databases based on the information provide to them, but was unable to locate a file sufficiently matching my data. 

Consumer Number : XXXX Case Number : XXXX I do NOT have a File with XXXX so how is Experian, XXXX, XXXX  verifying PUBLIC RECORD information from XXXX if my information does not exist with XXXX? The 3 bureaus Experian, XXXX and XXXX is REPORTING INACCURATE information on my Credit File/Report and I want it REMOVED IMMEDIATELY!!!!
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

Experian will not delete a 10 yr old account from my credit report. Its been delinquent since XX/XX/XXXX and and they will not make XXXX the creditor show the correct information showing the entire delinquency nor remove the account which was delinquent each year from XXXX and every single year stayed delinquent since then. Further more XXXX  states loan was XXXX payments XXXX a month but a balance still due off over 14,000. This backs up the fact the account was delinquent the entire life of the loan and was repoed yearly. The account was never current n again. Being 10 yr old account should be removed. Especially since XXXX agreed to remove previously
Consumer complaint received 2021-07-14
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: Strategic Alliances, Inc. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2020-04-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (MA)

I contacted this company to see what help they were providing customers like myself during this pandemic. The best they would do is place one payment at the end of my payday loan, which is no different from what they would do as one-time courtesy outside of this worldwide pandemic. I told the representative that I was unable to keep up with these payments. The representative offered no help. The representative went on to say that missed payments would be subject to the terms and agreements documented in the contract. In speaking with a friend about it and describing the loan I was in, the person informed me that payday loans are illegal in Massachusetts given the high interest rate that exceeds the lending requirements of the state. I was also informed that this loan falls under predatory lending and violates Massachusetts law. I went to the Massachusetts website to obtain more information. The website did have information stating payday loans being illegal in Massachusetts. The original loan amount was XXXX dollars. The company is withdrawing more than XXXX dollars out of my checking account every two weeks. The interest rate on this loan is 584.6071 % and I'm paying close to 700 dollars per month, most of which is interest. When I took out this loan, I did not realize how high this interest would be. In the end, I will pay more than XXXX dollars for a XXXX dollar loan. I've already paid the original loan amount back with interest. I can not keep up with these payments. What are my options?
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Paypal Holdings, Inc (TX)

PayPal issued me a business credit card without my permission. A notice was sent to my email that an " opt out '' should occur. However, I feel credit cards should be an explicit " opt in '' and not an opt out as most consumer privacy laws. Without this opt out, a physical card with active credit limit was mailed to my household. The card was cancelled through PayPal, but customer service was unreachable by phone and did not respond to my request to know how or why the card was sent in the first place.
Consumer complaint received 2021-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

I am currently enrolled in Income Based Repayment plan for my student loan which is operated by FedLoan as I work towards Public Service Loan forgiveness. Despite many efforts ( I am talking years of trying to fix my account and requesting several times the errors go under review ) with Fedloan to resolve issue aroundpaymentsnot being counted, but this continues to be unresolved. I have 7 XXXX XXXX loans, 3 of those are subsidized and 4 are not. They are not counting 8 qualifyingpayments based on what my account is saying " you do not have a bill for this payment period '' on my loans number 1-3. They are not counting 10 of my payments on my loans number 4-7 with the same primary reason for denial " You do not have a bill for this payment period.

Below is the Breakdown of the loans : Loan 1-3 1 DIRECT STAFFORD LOAN, not counting a payment because they did not issue me a bill : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX XXXX. XX/XX/XXXX Loan XXXX XXXX DIRECT STAFFORD LOAN, not counting a payment because they did not issue me a bill : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX 8. XX/XX/XXXX 9. XX/XX/XXXX 10. XX/XX/XXXX ( this payment was made but was when i was with XXXX so my attached payment history from Fedloan does not include this, but they counted that payment on loans 1-3 but aren't counting it on loans 4-7 ) If we need to get XXXX ( it may be called XXXX XXXX XXXX  XXXX  XXXX XXXX now ) involved XXXX I am happy to help facilitate that. But the error is also on Fedloan for not transferring my data correctly or not applying it to my loans 4-7 appropriately.
Consumer complaint received 2020-04-29
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK (AZ)

On XX/XX/20 a {$50.00} payment was scheduled on a recurring basis from my savings account and the balance was below {$50.00}, the following day I transferred the difference of {$47.00} which {$41.00} and {$8.00} was the actual balance, my history shows that every month I transfer the funds from accounts to cover charges due each month. 

TCF Bank charges fees to customers the next dat without giving customers any leverage to make a simple transfer the following day before they charge customers {$37.00} fee. I REFUSE TO PAY TCF A FEE!
Consumer complaint received 2020-10-13
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. (MD)

I emailed Navient on XX/XX/2020 requesting that they apply my additional payments to the principle because I noticed that they applied it to principle and interest. They responded on XX/XX/2020 and told me they were unable to apply my payments to principle only because I had accrued interest. Is this possible that I can not pay down my principle? I have paid so much interest on my loans over the past 16 years and my balance has barely gone down. I am now in a position to aggressively pay off my loans, but feel like my provider is making it so challenging to get ahead. This just seems unethical. Thank you.
Consumer complaint received 2022-09-11
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. (NC)

Upon reviewing my credit report I found information I did not recognize and/or did not authorize. They are the following : Inquiry-XXXX XXXX XXXX Collection ( s ) XXXX XXXX XXXX acct. XXXX XXXX XXXX XXXX acct XXXX # # # # # # XXXX I am aware that in accordance with the Fair Credit Reporting act the accounts listed above have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-06
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING XXXX XXXX XXXX XXXX XXXX  XXXX Opened : XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX Balance {$13000.00}
Consumer complaint received 2021-10-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (TX)

I was a victim of identity theft on line now i can not open any account when i applied for a job online and was defrauded with fraudulent checks being deposited on my account unknowingly been a victim of a crime against banking institution until i was notified that the check issued by the supposed to be employer was a fraud and did not clear. Ever since then I was declined to open any account that teach me a lesson not to apply for any transaction or jobs on line. Some electric company also claim i have an unpaid utility in Mary land and an apartment there i told the police i have never been to Maryland.
Consumer complaint received 2018-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Best Service Co.,Inc (TX)

The account THE BEST SERVICE CO/XXXX  with account number # XXXX is still reporting this collection account to XXXX  Credit Bureau while the XXXX and XXXX already deleted it. This account should be delete also in XXXX since this was closed and dispute was resolved.
Consumer complaint received 2020-04-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I initially reached out to this agency requesting verification of debt that is listed on my credit report via mail on XX/XX/2020. The company received the letter in which I stated in the letter : I am writing to request that you please the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity. 

I received a letter stating that they have talk to their client and the have verified my name, address and the amount that was owed dated XX/XX/2020. I also received an account itemization with in this letter. I contacted the agency and spoke to XXXX, and XXXX who stated that information sent was proof that I owe the debt. While talking to XXXX he stated that the itemized bill was from the creditor and the address was verified as a different address from the one on the bill that was sent to me via Wakefield and associates. XXXX also stated that I asked for a itemized bill in which he stated that is proof that I owe the debt and this what is sent when some one asks for verification on debt. XXXX XXXX the account specialist stated that the letter was received for my request and that I have no right to request such validation of debt via a letter unless I request the information via the court system. I asked was he denying me the right to request the information stated above. XXXX XXXX stated that I do not have the rights to request the information via a written letter. 
This company continues to report inaccuracies to the credit bureau and is violating 15 U.S. Code 1692e. Section 2 ( The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ) and, section 10 ( The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. )
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My Chap XXXX bankruptcy was discharged XX/XX/20. The discharged status has not been updated on my Transunion credit report. I disputed the information through XXXX XXXX and it came back verified and they didn't update the status.
Consumer complaint received 2020-04-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

1. My loan was consolidated without my consent 2. The Specialized Loan Servicing LL are not providing me with monthly statements 3. I have asked of copy of past monthly statements and have been denied.

4. I have asked for payment history and loan agreement and have not received it.

5. I have received inconsistent answers from their customer representatives regarding my concerns.

6. I have been told that I have an excess amounts on my loan but have also been told that the interest on different months is past due.

7. I was told by one representative that they were not ready to receive these loans from XXXX XXXX XXXX and that is why there are so many discrepancies since their system was not set-up for these loans and funds and payments are not being applied correctly.

8. I sent a letter with my original concerns, they acknowledged receiving my letter, XX/XX/2020 but their response letter was dated until XX/XX/2020. Over one month before a response was provided. 
This situation has cause me grief, frustration and unnecessary stress.
Consumer complaint received 2020-04-28
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Grant & Weber (CA)

I never received a letter, email or phone call when they took over the debt back in XXXX, and it just showed up on my credit report in XXXX. They are charging me interest rates on a medical debt when the original debt collection agency ( XXXX  ) was not, and they say the interest charges will never stop if i don't pay. They refuse to take any type of settlement payment, and when i asked for a written statement disclosing the process of what happens ( he owes this much, on this payment and this is what happens after you pay, etc ) and he said no. They also told me that the derogatory mark in collections will stay there even after 7 years? ( I thought it wouldn't be considered a derogatory mark after i payed it ) He then oppressed me by saying he thinks i'm insecure because i'm asking them for confirmation they wont steal my money like so many other people claim have happened. This is completely unacceptable.
Consumer complaint received 2022-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX was contacted to specifically deal with weeds within the landscape beds. XXXX XXXX an XXXX XXXX XXXX was dispatched to our residence to complete a site survey and convey the services the company would render. XXXX was escorted around the property and is noted via audio/video on surveillance system in which the specific weeds and vines were identified for removal. XXXX XXXX also took digital images of the specific areas whereby the weeds were growing and stated XXXX has the ability, tools, equipment and personnel to remove the weeds within the landscaping beds and to keep them from growing including a monthly treatment. This was the only service requested from XXXX XXXX XXXX on approximately XX/XX/2021. 

At a later date, an XXXX XXXX tech came to the residence to perform a service. Prior to service the tech was asked about the service plan he was to perform and he indicated he was going to spray the grass. The tech was informed that grass treatment was not in agreement with our service request and that he was only to treat the landscaping beds. At that point, the tech indicated that the chemical treatment was not intended to treat landscaping beds and that the chemical would in fact destroy all of the plants, weeds and flowers as the chemical can not isolate weeds from other plant life. At that point, the tech was told, not to perform any services short of treating weeds within the landscape beds. The tech informed us that, he was unable to perform this type of service and that we were misinformed as to the type of services XXXX XXXX XXXX performs, which is only to treat weeds, fungus etc, within grass and not landscaping beds. 

In conclusion, XXXX did not perform any related services based on what sold to us as a service.
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (GA)

Robinhood randomly restricted my checking account access and I cant use my debit card for any transactions. All my money is in this account and they just restricted it randomly and are holding my money hostage and giving me electronic responses whenever I contact them. I cant transfer money, pay bills or do anything. I want my money back now!! Ive been using this account for months without issue then all the sudden they restrict it for what?! Give me my money back so I can find a new bank to go to, this is ridiculous.
Consumer complaint received 2020-04-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IL)

I refuse to pay 50 % on a student loan Ive paid 10 x over. I hav e no problem owing what I owe for school which has probably been paid 10 x over : I had my loan way down. I started making goodi have no problem. I will not pay 50 % this is worse than the title stores. Can someone please help.
Consumer complaint received 2021-09-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

I originally borrowed {$250.00} I paid back the total amount due on my next payday. I had sent an email previously and asked to extend the loan due to lack of funds. I received a phone call in reply to my email and I was offered a {$500.00} loan in exchange I had to pay off the current loan for {$250.00}. I agreed to do this. She asked me to go online following the payment date and request the new loan. When I was in the process of signing the e-documents, it was confusing and somehow I was redirected to another page during the signing process that apparently set up an extension on the first payment due. Which came with a price tag for refinancing the loan. As I stated, this was confusing and I thought it was referring back to my previous loan and now refinancing my new loan. It was not asking that, instead it was having me re-finance a loan payment that I hadn't even received the funds for yet. When the time came to have the money withdrawn via ACH. it took out more money than I allocated in my budget, which left me severely short to pay my other bills due. I called and spoke w a representative. We argued and she would not offer a solution, was extremely arrogant and I told her that if she would not compromise and replace the additional funds for the " refinancing of the loan '' that I was unaware that I even signed for, that I wanted to remove authorization immediately from Cash Central having access to withdraw monies from my account. She said they would continue to attempt withdrawals until they are paid in full. I then called my bank XXXX, and told them the situation and they suggested closing the account, so I did just that. Now, 4 weeks has went by and over a 2-day period XXXX XXXX used my debit card to withdrawal one {$600.00} in 3 separate transactions. I never gave permission for Cash Central to use my debit card, in fact, when I paid online and was asked if it was a one time payment or did I want to store the card for future transactions, I said no. They used my card from a one-time payment and had to have stored the card and used it without permission. Now I am having to wait on a fraud investigation by my bank XXXX before they return the funds and I have a car payment scheduled to debit account. This company is shady and I hope that my complaint will keep others from going through what I have had to.