davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (DE)

I have been hit with hidden charges. I was in a situation that caused me to lag behind on making on time payments. Then the account got closed. 

I have had this account since XX/XX/2021. The negative remarks ( delinquent payments ) that happened last year due to circumstances beyond my control are damaging my credit, causing me do being denied housing as well as being charged high interest rates. 
I have been trying to reach out to the company to settle and resolve the past due balance but in vain.
Consumer complaint received 2021-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I would like to file a complaint against Pen Fed Credit Union routing number XXXX. 

Pen Fed erroneously reported three thirty-day late credit card payments on my credit report for XXXX, XXXX and XX/XX/2017. I have made over 30 phones calls, multiple online disputes and in person meetings to resolve this situation. 

Because the payments were automatically sent via XXXX auto pay XXXX submitted proof of electronic payment directly to Pen Fed. XXXX even had a least two conference calls with Pen Fed to resolve this matter. 

The systems at XXXX are very automated and they were able to provide proof of payment and transaction IDs. XXXX also confirmed the payments were received by Pen Fed and not rejected. 

Pen Feds research appeared to be very manual. The response from Pen Fed has always been we dont see the payments or we must have sent the payments back. On several occasions I requested electronic documentation from Pen Fed showing that the transaction IDs were rejected, but Pen Fed could never produce documentation. 

It took so long for the issue to come to light because Pen Fed kept accepting the electronic payments. The electronic payments were removed from my account every month. Once Pen Fed received the payments it is their responsibility for misappropriating the payments. 

These were not payments that were mailed and lost in the mail. They were electronic payments that could be tracked by the sending institution XXXX XXXX XXXX. 

I included proof of electronic payment for every payment Pen Fed said they didnt receive. I continued to pay my monthly payments while this situation was being researched by XXXX and Pen Fed. Instead of being a good business partner, Pen Fed kept adding late fees on top of late fees during the investigation. 
Pen Fed never located my payments. I eventually had to file a fraud report with XXXX due to the misappropriation of my payments. 

Even though I repaid the payments ( I had already made ) and the payments were up to date Pen Fed cancelled my credit card while I was still reaching out trying to get my information updated. 

Not only do they have erroneous late payments on my credit report they also have Cancelled by grantor listed for the credit card. This only compounds the negative impact on my credit.
Consumer complaint received 2024-03-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/XXXX Synchrony bank randomly locked out of my hys account, after calling them they told me my account was under review, after confirming some information with me the representative informed that he had placed a note for them to unrestrict my account, it has been over XXXX XXXX  and countless calls later Im sitting here with no results, I currently have XXXX XXXX sitting in that account which I have no access to, this is very strange because XXXX XXXX later my Account is still frozen for reasons beyond my knowledge
Consumer complaint received 2021-01-17
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NEXA Mortgage, LLC (TX)

I contacted XXXX XXXX about a Bank Statement mortgage. I told him I wasnt interested in No ratio or similar loans because the interest rates were too high. Im XXXX XXXX  with good credit. I provided over a years worth of bank statements and pointed out the pandemic XXXX ( unemployment ) payments made to me and the SBA loan. 

He evaluated the bank statements and told me I needed a CPA letter. I questioned this as its {$90.00}. He said its important and provided a template. I had a CPA fill out the annual funds received and the expense ratio ... which is 1 % because I audit from home. This is backed up by bank statements. 

He also ran a credit report and charged me {$27.00} for it. 

He then pulls his bait and switch. The Bank Statement product isnt available to me because of the XXXX payments and too low of an expense ratio. 

He cost me {$110.00} in hopes of me agreeing to a much more expensive product Id already told him I wasnt interested in. This is a deplorable tactic.
Consumer complaint received 2024-03-09
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (TX)

I never received any calls, emails, or mail regarding this debt before it was reported to my credit. When collector finally mailed me information of the amount, to the correct mailing address, after I filed a complaint. They sent me a completely different lease with another person information on it that is not me. I still have the envelope and can show proof of this incorrect information.
Consumer complaint received 2022-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MO)

I received an invoice in the mail from XXXX ( supposedly ) with an invoice date of XX/XX/XXXX- it was sent to my previous address and rerouted to my new address. It stated that I owed for a shipment from " XXXX XXXX XXXX XXXX '' in XXXX, California to " XXXX. '' XXXX '' in XXXX XXXX, California. I live in Missouri and have never lived in California. I sent photos of the invoice to the XXXX Scam email address and contacted them via XXXX to see if this was a scam. And if so, to remove it from any accounts associated with me. I do not have a shipping account with XXXX and have never mailed anything with the company- so I am not sure how this even happened. I never heard from XXXX about the false invoice. Then on XX/XX/XXXX, I received a collections notice in the mail from TRANSWORLD SYSTEMS INC, dated XX/XX/XXXX. It was sent to the wrong address as well ( our neighbors down the street ). It claimed that I owed XXXX money for ( 8 ) different invoices for shipments sent before XX/XX/XXXX. I never got ANY notice of these shipments, but that's not surprising because they had nothing to do with me! On the letter, it said I could dispute the charges if I sent correspondence via mail by XX/XX/XXXX. This is clearly a scheme. I tried calling TRANSWORLD with the number provided on the letter, but they just sent me to a voicemail. No one has called me back. At this point, they are trying to get almost {$150.00} out of me for shipments that I had nothing to do with. I've seen this has happened to many other people by searching online. Both companies need to be investigated.
Consumer complaint received 2016-12-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc. (MS)

Over 2 years ago my identity was stolen. XXXX allowed someone to open a XXXX acct under my maiden name. I have not been that name in over 10 years. The account was opened in XXXXXXXX and I have lived in XXXX for over 10 years. No matter how many times I fax the documents that XXXX or whatever collection agency they turn it over too they do not fix it. Even though everytime I call XXXX and refax the documents they assure me everything is fixed and not to worry. I just went thru this in XXXX 2016 and I am going thru it again now as they have reported the XXXX act against my credit/SS # as a charge off which has totally messed up my credit. I call XXXX and nothing gets resolved. I call the credit collection and nothing gets fixed. I have faxed and refaxed the documents more times than I can count. What does a person have to do to get something resolved like this. I have more than proven it is fraud acct that I do n't owe and should not be responsible for. I have done everything I have been told to do and still nothing but a bad mark against me that I ca n't get anyone to fix!! PLEASE HELP ME!!! I have been calm, cried, screamed done everything!! EVERYTHING THEY HAVE ASKED YET NO ONE FIXES THIS AND IT IS DESTROYING MY CREDIT.
Consumer complaint received 2022-01-18
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. (WI)

I have requested verification and validation of debt for these accounts and have not received it at numerous attempts. I have requested proof that these accounts belong to me and have not received it. I have requested proof that I have initiated an agreement to obtain these accounts, nothing has been received. I have requested immediate removal of these accounts after they did not receive verification or validation after 30 days and the bureau has not done so. It has been XXXX months. These accounts do not belong to me.
Consumer complaint received 2021-04-07
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. (TX)

XX/XX/XXXX - SENT LETTERS TO ALL 3 BUREAUS DISPUTING ACCOUNT INFORMATION AND REQUESTED A FULL INVESTIGATION TO VERIFY POTENTIALLY ERROUNOUS INFORMATION AND DETERMINE IF THE ACCOUNT NEEDED TO BE REMOVED. I ALSO ASKED FOR AN UPDATED CREDIT REPORT AND IF ANYTHING IS VERIFIED I REQUESTED A COPY OF ANY PAPERWORK USED TO MAKE THIS DETERMINATION RESULTS : VERIFIED INFORMATION NO EXPLANATION NO UPDATED REPORT WITH ANY EXPLANATION OR DETAILS ON INVESTIGATION XX/XX/XXXX - SENT A REQUEST FOR A RE INVESTIGATION. STATED THST THE INFORMATION COULDNT POSSIBLY BE VERIFIED BECAUSE THE INFORMATION WAS STILL INACCURATE AND DIFFERENT ACCROSS ALL 3 BUREAUS. 
RESULTS : VERIFIED WITHOUT ANY CHANGES OR EXPLAINATION. 

XX/XX/XXXX ASKED FOR A FULL INVESTIGATIION AND DISPUTED ACCOUNT AGAIN. THIS TIME ASKING FOR FULL DETAILS ON INVESTIGATION RESULTS : NO CHANGES MADE NO INFORMATION PROVIDED XX/XX/XXXX : REQUESTED AN INVESTIGTION AND DISPUTED INFORMATION ON ALL 3 CREDIT REPORTS RESULTS : NO RESPONSE ALSO I QUALIFIED FOR ACCOUNTD TO BE DISCHARGED. THE AMOUNTS WERE REMOVED NOT THE DERROGATORY INFORMATION. ALL DERROGATORY INFORMATION MUST BE REMOVED IMMEDIATELY OR DELETE ACCOUNTS ALTOGETHER. 

PLEASE REFER TO ATTACHED DOCUMENTS FOR CLARITY
Consumer complaint received 2021-02-24
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. (NC)

when my credit cards debts increases by sometimes less than {$20.00}, my credit score drops by XXXX to XXXX points I do feel that is fair and is bad business, because if they drop my credit scores every time my credit cards debts drop {$20.00} or less, my credit score will always be low, that not right. I need my credit report audit from all 3 reporting bureaus, because something is not being done on a professional basis.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (WI)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX Balance : - XXXX  XXXX XXXX XXXX Balance : - XXXX XXXX Balance : -XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (AR)

In violation of the Education and privacy act, I signed the privacy form stating that the school will not provide transaction information to any third party companies. The family and educational act of 1974. As a federally protected consumer I opt out of any and all authorization I the consumer may have given written, verbal or non verbal per 15usc6802.
Consumer complaint received 2022-01-18
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. (GA)

I have submitted multiple disputes with the credit bureaus for well over six months now and they continue to report inaccurate items on my report without my consent. I have asked them how did they verify these items and I am not getting any answers besides a letter stating 'the item is verified '. I have proof that the other bureaus have deleted the item so why are EQUIFAX, XXXX and XXXX continuing to reporting them.Please Help!
Consumer complaint received 2024-03-09
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

I have a confirmation email stating that my deferment request was processed but Navient has reported my account as delinquent. Their reasoning was that the document I'd uploaded did not specify whether or not I was enrolled full time or part time, although the largest font on the " ENROLLMENT VERIFICATION FOR XXXX XXXX '' clearly states " XXXX XXXX  STATUS XXXX  FOR XXXX XXXX XXXX. '' I ask that Navient correct my credit report to reflect that I am not delinquent and provide me with an income based repayment plan which I will begin this year.

Thanks
Consumer complaint received 2022-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT.

I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2022-01-18
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. (PA)

Recently ( XX/XX/XXXX ) I applied for a home mortgage loan with XXXX XXXX. In the process I was informed that I have a collection balance of amount {$140.00} reported on my credit. Firstly I am not sure where it came from and for the past three months I was working with my mortgage officer to figure out what it is and how to resolve it. I had a lot of hospital bills and I used to clear it off as and when required. I remember paying all of my bills around XX/XX/XXXX. Not sure about this debt and I need more information on the same. I tried to contact the collections company several times but no luck. I sent them mails twice ( on XX/XX/XXXX - First class mail and on XX/XX/XXXX- Priority mail the second time ). There is no response yet. I feel that I have been patient enough in waiting for a response after multiple attempts. I am helpless now and not sure what to do. My credit score is down for no reason and I am in a situation to pay more monthly mortgage which is totally unfair. From what I have researched so far, to the best of my knowledge I think this is a UDAAP violation. Looking for support.
Consumer complaint received 2021-09-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I owed cash central but i paid thru XXXX XXXX XXXX  have photos of paid receipts, i sent to cash central, they kerp refusing to take off my credit report an accepting it was paidthis is really hurting my credit an very annoying to have photo receipts an not accepting this
Consumer complaint received 2024-03-09
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: GOLDMAN SACHS BANK USA (NJ)

I am going to keep this message brief and concise for this text field. For details regarding what happened, please refer to the attached document 'complaint-detail.pdf '. 

Date of transaction : XX/XX/year> Amount : {$230.00} Actions taken by you or the company : I attempted to dispute this credit card fee, but it was nonsensically declined even though I provided what was requested by Goldman Sachs Bank. Further details are provided in the attached file 'complaint-detail.pdf '. 

I have attached 3 files : XXXX  - This document contains the details of the issue intended for reading and review by the Consumer Financial Protection Bureau ( CFPB ). 

Documents Requested-merge.pdf & XXXX - These documents were requested by Goldman Sachs. These are the copies of the response I sent back to them for your refrence. I will further explain it in the XXXX. ''
Consumer complaint received 2023-05-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

To Whom It May Concern : I am writing to dispute the accuracy and fairness of my credit report. Specifically, I am disputing the information regarding my XXXX XXXX XXXX account number XXXX. I have reviewed my credit report and noticed that XXXX XXXX XXXX has reported several late payments on my open-ended credit/credit card account. 
According to 15 USC 1666b and 15 USC 1681a ( 2 ) ( A ) ( 1 ), transactions and billing errors are not to be reported on a consumer report. It is important to note that reporting late payments on an open-ended credit account/credit card is illegal. In accordance with 15 USC 6802b, any such information should not be included in a consumer report. Therefore, I am requesting that these late payments be removed from my credit report. Furthermore, I am disputing the accuracy of other information reported by XXXX XXXX XXXX. The reporting of inaccurate information violates 15 USC 1681e ( b ), which requires that all information reported to credit bureaus be accurate and verifiable. 
Therefore, I am requesting that XXXX XXXX XXXX verify the accuracy of all information they have reported to the credit bureaus. If any information is found to be inaccurate, I request that it be removed from my credit report immediately. In accordance with the Fair Credit Reporting Act, I am entitled to a free copy of my credit report from each of the credit bureaus once per year. I have enclosed a copy of my credit report highlighting the inaccuracies and errors I have discovered. Please investigate this matter promptly and respond within 30 days. If you find that the information in question is inaccurate or can not be verified, please remove it from my credit report. 
Thank you for your attention to this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2022-01-07
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: Experian Information Solutions Inc. (PA)

I reached out to them XX/XX/2021 letting them know they are not using proper reporting practices using XXXX XXXX compliance. They are also directly violating my consumer rights As per Section 611 ( a ) of the FCRA They are stil reporting late payments and the account status showing past due when in fact this item was not properly verified and is inaccurate and was not removed from my report.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

This is a charge off account still being updated inaccurately as this account was charged off. IRS states that a charge off is considered cancel debt, nothing can be collected, and can not be reported on my credit report. According to 15 USC 1681 ( e ) B this is a violation of my rights.
Consumer complaint received 2021-04-07
Product: Credit card or prepaid 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: DISCOVER BANK (TX)

On XX/XX/XXXX me and other 500 clients were scammed by The XXXX XXXX/XXXX  XXXX XXXX. They promised to render services as of the date the purchase and contract was made, they never did. The services were for them to open up my XXXX business, administer my business, and file any other paperwork on my behalf and they would also get paid 30 % from my earnings. My XXXX business was opened until XX/XX/XXXX and I did all the filing they never helped me with none of that. They only provided brief information on what I had to do to open my LLC. Their service fee was XXXX plus XXXX to a " lender '' who told me I he would help me get approved by credit card companies. This lender by the name of XXXX XXXX and XXXX from XXXX worked with the XXXX to get people approved within 30 to 45 min. Later on I found out they were also charging these fees to get extra money from customers. I got approved for XXXX {$11000.00}, Discover {$10000.00}, XXXX XXXX XXXX {$5000.00}, and XXXX {$4000.00}. My XXXX business was only up from XX/XX/XXXX till XX/XX/XXXX I notified my cards after I saw that my business was put on vacation mode for far too long with no explanation. I later found out by another client that the 4 owner/managers of the XXXX were suing each other. XXXX who was in charge of managing all orders for each store had stolen our personal information as well as card information. Later on XXXX, one of the owners posted on a XXXX  group what was going on between them. He only put out that all stores would be put on hold. Most of the clients and myself did the buy back provision before the deadline and never received our money back. I only got the response from XXXX saying he could not sign the document to give back my money because he didn't have anything, to speak to his lawyer. He later on explained that they were suing XXXX to get all customers paid for since he had been stealing all the funds. I provided all information that the credit cards needed from me and made a dispute and they told me they could not help me since it had been more than the 60 days. I understand its more than the 60 days but these people promised me and signed contract which they fail to fulfill. As to what I understand these four credit card companies were contacted by them so I could get approved. I do not have the funds to keep paying for a debt that I got scammed and never had full service rendered to me.