davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (IA)

Fraudulent Contract- new complaint with both Credit Acceptance and XXXX XXXX XXXXXXXX XXXX XXXX. 
Failure to supply me with a complete copy of the contract and forgery of my electronic signature on at least two ( 2 ) documents the Credit Acceptance Disclosure form which has an electronic signature and and a XXXX XXXX vehicle service contract with my electronic signature nether of these were explained to me showed to me or authorized after by me that is why they were not supplied to me. or supplied to me with the 5 page copy of the contract i XXXX given nor was nor was the declaration of electronic signature form the first time i laid eyes on the XXXX docs was when i filed a previous complaint XXXX and they responded with an attached copy of these docs they are forging electronic signatures on disclosure notices and extended warranty and supplying customers with the documents. see attachment one for what i received from the dealership ( when there copying machine gave me a unreadable copy. see attachment two for what credit Acceptance sent to the CFPA. 

on or about XXXX i stopped in to possibly purchase a car From XXXX XXXX XXXX XXXX XXXX after test driving i decided to possibly purchase a XXXXXXXX XXXX XXXXs. XXXX XXXX informed me that the price of the the car was XXXX and if i could not afford the full price he had a couple of people i could call that could possibly finance me. talk to the first people who told me it would take or two before he could approve or deny me so we contacted the second choice Credit acceptance. a short time later a credit acceptance agent showed explaining the situation to this unknown name credit acceptance agent stepped into the role as a dealer as the dealer went outside to show a couple with a XXXX  several cars this agent who had another credit acceptance agent with him he was training. a possible witness. this agent while preparing the contract made several calls and at one point ask how much money can i come up with to get this deal push thru i told him XXXX i personally believe beside this dealer/ credit acceptance agent violating multiple TILA laws failed to disclose all sorts of things as noted in my previous complaint of which Credit acceptance answered only 3 of 9 claims when i called them about there response she said its perfectly legally to sign a contract with a nick name. which i find quite odd if my nick name is XXXX XXXX i am sure i cant file that on a legal document. Further when i ask there representee about the contract being assigned to CA obligates them she informed me that there position is what is between myself and the dealer is not between CA totally overlooking the fact it was a CA agent acting as a dealer who created the fraudulent contract and forged an electronic signature then purposely with held those docs to gain and upper hand.
Consumer complaint received 2020-05-07
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. (NY)

There is incorrect information on a credit report with one of the credit reporting agencies. 
After applying for a credit card with XXXX XXXX XXXX, I was denied a credit card because of the following reason : You have a closed account with an outstanding balance from XXXX XXXX XXXX.
Consumer complaint received 2016-09-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (GA)

The bank charges a {$3.00} fee to transfer funds electronically within 2 business days for customers with an every day checking account. The Bank does not identify the fee in its product documentation nor does it allow the user to adjust the '2 business day window ' when scheduling the transfer. In essence, this is a hidden fee to the user.
Consumer complaint received 2024-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (WI)

My federal XXXX XXXX loans were serviced by Great Lakes that became Nelnet. When the the Federal laws changed regarding loan forgiveness during the pandemic I called Nelnet to apply for forgiveness ( XXXX XXXXXXXX ) as a XXXX XXXX XXXX for 18 plus consecutive years. I paid on the loans from XXXX until I requested forgiveness in XX/XX/XXXX consistently via electronic payment. I did not request any relief during the pandemic from loan payments. My loans were paid in full as of XX/XX/XXXX. I made more than the amount of the qualifying payments ( 10 years ) while consistently employed by XXXX. I requested the refunded amounts ( since the start of the forgiveness process ) of overpayment ( beyond the 10 years of payments ) and/or pandemic period amounts paid ( march 2020-Nov 2021 ) several times from Nelnet, who consistently tell me to call other entities, Department of education, XXXX and now XXXX who did not service my loans. Department of education has record of the loans but XXXX did not service them and does not have any records. Most recently Nelnet told me its too late now to make any request when they have consistently directed me to call elsewhere ( XXXX who again doesn't have any record of servicing my loans ) to make the request. I was also told the correct entity was XXXX that doesn't exist anymore who I also called over the two year span for a refund. Under the federal rules I was to be contacted by a servicer or guarantor on how to request a refund and was never sent the information. I want the refund in loan payments I am entitled to.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (WA)

On XX/XX/XXXX I met up with a guy from XXXX to sell him some items I had. He paid me XXXX dollars as agreed to my chime account.all was well.. I lost my phone for a week and when I found it I tried to withdraw money from my account but XXXX 's XXXX. I looked at my account and seen on XX/XX/XXXX there was XXXX dollars taken from my account with out my knowledge or permission and they had given the guy who bought my items back his money. I didn't get my items back. I lost XXXX dollars. When I tried talking to customer service to resolve the issue I got hung up on 6 different times when I attempted to inquire about the issue. It's so frustrating to constantly be hung up on and XXXX dollars is allot of money to lose out on. They did ask me for the guys contact information which I did not have. So a couple weeks later I responded to a add and again went and sold him more of the same items so I could get his contact information so I could give it to chime customer service. I called them back and before I could even give them the information I was hung up on repeatedly every time I called back. Please help me get my money back. I have at least 8 months of weekly deposites of XXXX. Dollars and many many transactions with out any of them being fraudulent or any issues. This other party clearly fraudulently disputed the payment aweek after our transaction and was given his money back straight from myaccount.
Consumer complaint received 2022-10-04
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. (PA)

My name is 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 2020-05-07
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. (AR)

I recently applied for three different credit cards. I was denied on all three and really could not understand the reason behind it. I knew my credit was good and there was no way. I then pulled my credit report and saw an outrageous list of accounts that do not belong to me. I have never seen these accounts please delete these accounts from my report.
Consumer complaint received 2016-06-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (IL)

I was advised by a representative at Seterus they cant guarantee I would get reviewed for the principal reduction program my lender started to participate as of XXXX XXXX, 2016, because of my delinquencies and defaulting on a previous modification! I have written a detailed letter of explanation along with the guidelines and the letter Seterus has send me.
Consumer complaint received 2017-06-17
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (IL)

XXXX   XXXX ,    2017  CFPB :  JPMChase Fore closure Prosecutors for my ARM Loan  XXXX  threa tened to damage my Credit Score, while refusing to divulge my Credit Score to me, in Violation of the  Fair Credit Reporting Act ( FCRA ).   I want JPMChase to provide me, at no additional charge to me,  my Credit Score from every USA organization that provides Credit Scores o n me.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX
Consumer complaint received 2024-04-03
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (OH)

In XXXX, I was attending the XXXX XXXX XXXX XXXX and was misled when enrolling in so many ways. One of which was in taking private loans from Navient ( previously known as Sallie Mae ) to finance my education. These private loans came at a high interest rate and had a high risk of default -- in part due to predatory lending practices and well as being misled about education and career opportunities by the school. 

One of my Loans was for {$13000.00} and was dispersed in XXXX of XXXX. Since then, I have paid over {$16000.00} in accrued interest and still have an unpaid principal of {$8300.00}. 

The other loan was for {$10000.00} and was dispersed in XXXX of XXXX. Since then, I have paid over {$7000.00} in accrued interest and still have an unpaid principal of {$4400.00}. 

The estimated payoff date for both of these loans is in XXXX. 

Since graduating in XXXX, I have struggled to pay off my loans -- often having to choose forbearance or deferment while interest continued to accrue. I have been consistently strong-armed by Navient n an effort to be able to enter into repayment or to simply make payments. They used scare tactics as well as other means of harassment to get me to agree to various repayment terms. Eventually I was scared into an extended repayment plan which the company has profited from greatly due to the ridiculous amount of interest that has been paid and will continue to need paid. 

Navient has already been sued by XXXX state AGs regarding predatory loans to attend for profit schools such as the XXXX XXXX. This is ridiculous to allow this to continue to happen.
Consumer complaint received 2022-10-04
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (WA)

This account is being reported as XXXX days late and is showing as delinquent on my credit reports. The payment history on this account is being reported incorrectly and NOT BEING REPORTED FAIRLY. I was laid off in XX/XX/2009. With no job or income, I stopped paying on my credit accounts. The last payment on this account was in XX/XX/2009. You can clearly see on the attached info from Equifax that the payment status switched to XXXX in XX/XX/2009. This account went into default and was transferred to XXXX XXXX Higher Education. This does not constitute a payment and this account is being reported past the XXXX year threshold for showing on a credit report and should be deleted. I have disputed this several times with the credit agencies and I have written to XXXX on several times as well and this is still being reported incorrectly on my credit report and is stopping me from getting a mortgage. 

If this is not deleted then the account payment history needs to be updated and merged with my student loan account with XXXX. When I defaulted on my student loan, I had XXXX account, I now have XXXX accounts on my credit reports and XXXX are showing as delinquent. This is not fair to me and does not accurately reflect my payment history with my student loans. Please delete this account immediately from my credit reports.
Consumer complaint received 2024-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Summit A*R, Inc. (AZ)

I had to quit XXXX XXXX because my partner had XXXX  issues and could not be home alone. This was submitted to both XXXX XXXX XXXX XXXX XXXX XXXX. I have spoken with Hr at XXXX XXXX XXXX and this should have been dropped. I also supplied the XXXX  diagnosis from my partners doctor yet these guys keep it on my credit report and is now causing issues. As I am having trouble with the states of XXXX  and XXXX  on getting my XXXX licenses. They do not send anything proving this is still valid after I have sent this documentation to them multiple times.
Consumer complaint received 2022-10-04
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. (OH)

n accordance with the Fair Credit Reporting act XXXX, Experian 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 I DID NOT AUTHORIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-05
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (GA)

yes I did not receive an item from a merchant I advised my bank PNC and they issued a temporary credit but reversed it. By law if I do n't receive something even though it shows delivered to a mailbox I have rights to protect me instead of them working the case they denied my claim and I provided them with proof and claim and tracking information
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

Complaint against XXXX XXXX at the dispute center and a fraudulent charge To the excecutive office. 
XXXX XXXX Your XXXX XXXX at the dispute center is a total waste of time I am requesting XXXX office to contact me regarding this issue no later than tomorrow Otherwise a CFPB complaint will be filed. 
This mananger is a waste of time she is incompetent to answer simple question and resolve issues I was on the phone for over an hour and she didnt fix anything She shouldnt be in that position total waste of time. 
I have sent documents more than once regarding this dispute and also charge is on my account twice She couldnt fix the issue. She also provided incorrect info more than once. 

XXXX XXXX Sent from my XXXX
Consumer complaint received 2020-04-29
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. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

COLLECTIONS XXXX {$2600.00} XXXX XXXX XXXX {$700.00} XXXX XXXX {$4500.00}
Consumer complaint received 2015-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

I got a free 2 year credit report from experian and i noticed that there was something on my public records that i knew absolutely nothing about, i was also a minor at the time still going to school and living with my mother. i have tried calling experian, the court where it says it was filed at and many other places and nobody has been able to help me with this issue. i believe that it may be fraud, i need help finding information on this situation. thank you
Consumer complaint received 2024-04-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (MO)

When I got offered this loan I traded in a completely paid of 2017 XXXX  for this bigger XXXX  and the sales person told me I was at 8 % with the new loan but Ive not made any progress with the payment being ( -18 % ) paid off and when my financial hardships started I asked to refinance for easier terms and they told me no. I looked online to find my contract and they gave me at over 28 % on my loan! Not what I knowingly signed for and the loan is so malicious and predatory. Its impacting my day to day life, me mental and emotional health and the company has refused to refinance. Exeter is extremely crooked and should not be allowed to extend its loans to American consumers
Consumer complaint received 2024-02-19
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Conduent Incorporated (GA)

I just trying to fix this problem with my ID getting stolen and tried to dispute my account and I didn't get any thing done and was mislead and they are not trying to let me dispute anything and I really don't know whats or how to do any financial stuff at all so I think they taken advantage of me if someone could contact me about this matter please thank you .... XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (OH)

Good Morning, I tried to purchase ( 2 ) skid steers ( {$15000.00} total ) from what looked like a legit company in Florida several weeks ago. We wired the funds ourselves ( not a bank wire transfer ) and the company that I sent the funds to used the website and info from the original XXXX XXXX XXXX ( who is legit ) and hacked into their system using the false name of XXXX XXXX ( XXXX ). 

The web page is gone, phone number was disconnected the same day that I sent the funds. 

I contacted my local bank ( PNC ) fraud line reporting the incident the next day who advised contacting the local police for investigation which is done. I have been checking with the PNC Fraud center frequently, but they said the receiving bank in Florida XXXX  XXXX XXXX - hasnt responded to the PNC bank as of last Friday.
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I noticed on my credit report that there is an address that I have never heard of or lived at ever before in my life.I do n't know if this is a mistake or if maybe someone is using my information but I would like this address removed from my credit report.
Consumer complaint received 2015-11-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I disputed XXXX tax liens placed by the Idaho XXXX XXXX XXXX for taxes that I did not owe. This is damaging my credit tremendously. I should not have to pay the price for the Idaho XXXX XXXX XXXX overly aggressive and abusive actions. Transunions investigation left the items as accurate.