davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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
Consumer complaint received 2024-11-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am filing a complaint against Bank of America for returning a payment for non-sufficient funds. First, Upon further review of my account, there was enough money in my checking account to cover the payment. Second, I have overdraft protection turned on, which virtually eliminated the problem with non-sufficient funds ( NSF ). Third, Bank of America did not communicate with me in a timely manner or at all about issues. They have not been proactive with their communication.
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX XXXX issued by XXXX XXXX has reduced my credit limit from {$4000.00} to {$1000.00} without notifying me which has resulted in a drop of 30 points to my credit score [ XXXX  & Transunion ]. When I tried to contact XXXX XXXX  the representative could not provide me with actual details why was not the consent taken from the customer esp for a decision that would negatively impact the Credit score. I would request CFPB to review this and consider adding regulations to help consumers from such predatory practices of banks. I think we should be clear to apply the same kind of rules that exists for an entity that checks consumers credit report be applied when they make decisions that would negatively impact their credit score.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

Citi Cards closed my account while I was on a payment program arrangement due to hardship during the covid19 pandemic.My payment are current and in good standing and I have credit available. But yet they chose to close the account regardless. To take this action in the middle of a pandemic when I was trying my best to pay them and keep the account in good standing I deem it inhumane, discriminative and predatory practices. As a result of their actions and without prior notice to me. My credit score has now been negatively affected.. I respectfully ask your office to investigate this matter fully. Your office should not just send out letters to the company company but investigate the issue at hand and punish them accordingly. As previously stated and in case I need to remind anyone we are in the middle of a pandemic and people are suffering both health wise and financially also. Their action are unjustifiableand should not be allowed under any circumstances. 
XXXX XXXX
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CLGF Holdco 1, LLC (FL)

XXXX XXXX XXXX Milestone was sold to XXXX and then to XXXX XXXX. I paid XXXX XXXX on XX/XX/2022. The account shows XXXX. They told me that if I submitted the letter to Milestone it will be shown as XXXX XXXX or something of the like. 
It doesnt. It shows Derogatory and while there is a XXXX balance it doesn't mention me paying anything in good faith which is unfair. 
Milestone reps told me because they did not get the money they will be leaving it on there but I know that is unjust and illegal because they did get money during the chargeoff. 
I spoke to XXXX XXXX on XXXX XXXX at XXXX XXXX XXXX who claims it isn't here issue either. 
I have a receipt. 
XXXX XXXX XXXX says its not them to remove it but the 3 credit bureaus have assured me it is their doing. My rights have not been abrogated. Please delete this damaging account information.
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (TX)

FCRA violations : accounts not mine XXXX XXXX Account owner Individual Account Original Creditor XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date assigned XX/XX/XXXX Account status Unpaid FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Open. 

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX complex XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

so i contacted this company about my credity report having false and misleading information on it and not only is the false items still on my report but also they have yet to respond to me and it has been like over 2 months. I dont know whatg i am supose to do if i have already wrote them and didnt get anything back.
Consumer complaint received 2024-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (CA)

When booking a flight on XXXX XXXX at the payment step an offer is shown by Citi cards to save {$200.00} and get XXXX miles. I applied and was approved, but was then told my card would not arrive for 7-10 days and the offer was not available for the flight I was booking.
Consumer complaint received 2024-12-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Arivo Acceptance, LLC (KY)

In late XXXX I paid {$500.00} down on a XXXX XXXX XXXX. Payments of {$400.00} a month was fine but literally days after driving to car off the lot ( XXXX XXXX XXXX XXXX XXXX in XXXX Ky ) I noticed abnormalities while shifting. I purchased the extended warranty from the dealership and was told it would be taken care of. After sitting hours at the dealership I was told it was normal in those types of cars and that it wasnt nothing to worry about. Fast forward to early XXXX the transmission was completely not shifting right at all. I called Arivo Acceptance and informed them of the issues I was having. Asked them about making payment arrangements due to having to pay extra to get he car diagnosed and serviced. I was told by Arivo that I could take the car back to where I purchased it and that Arivo could finance me another vehicle with no issues if I didnt want to do that then they would finance me the extra funds to get the transmission replaced but I would need to provide quotes. All of which was a lie. The transmission went completely out of the car after numerous attempts to get Arivo to hold up their end. Ended up losing my job due to the transmission being out and being a single mom of XXXX kids. I found myself in a pickle. I had no choice but to stop paying on the loan and had to save for another vehicle asap or else I would have lost everything. After all, Arivo assured me they would help me fix it since I reported an issue literally days after buying the car. Fast forward to XXXX of XXXX, the car ultimately was reposessed. Apparently after paying on the car for 3 years did nothing. I owe just us much now as I did when I bought the car. I received my deficiency balance. It doesnt appear that Ive made any payments ( according to the paper ) thought I know darn well I have. Not to mention them charging an upsurd fee for repossession, cleaning ( the car wasnt dirty ), auction fees, etc. this was the first and last time I will ever finance another vehicle and I am XXXX XXXX XXXX now. Not to mention Arivo contacted people I wasnt even directly associated with ( not sure how they got their number ) and was asking questions about me! HOW EMBARRASING! I thought they would contact my contacts provided which would have been fine. But for them to contact people unrelated to me is just ridiculous. The balance they sent a letter to me about says I owe them much more then what their app is reflecting. Probably close to XXXX more than what I actually owe.
Consumer complaint received 2022-07-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Eagle Financial Services, Inc. (OH)

To whom it may concern, I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty frustrating to be honest, but I know that mistakes happen. I trust you'll fix the situation. 

Here 's the wrong info : 1. This is a billing error always paid as agreed on time this is an error this account in violation. 
EAGLELOAN Account XXXX : XXXX Please remove it from my credit report. 


I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payments showing here. 

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 

I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

Experian erased my address accidentally. The notes in their files show they removed the address accidentally yet they have failed to resolve it. Every agent switches me to another person who tells me they made a mistake yet they cant fix it. They have asked me to upload my information YET the portal doesnt work!!!! Their actions are causing me financial harm as I am unable to get up to date Fico scores, file disputes or view my account
Consumer complaint received 2022-07-11
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: Bread Financial Holdings, Inc. (GA)

I have a Victoria Secret credit card through Commenity Bank. On XX/XX/XXXX, I received a notification from XXXX that my credit report was pulled from this creditor. Keep in mind, I have multiple credit cards through this bank. I called their customer service department on XXXX to speak with a representative at Commenity bank. At XXXX EST, XXXX proceeded to tell me that her supervisor said because I updated my income, that resulted in an automatic hard pull, which is showing up as a hard inquiry on my credit report. I spoke with a supervisor named XXXX at XXXX AM on that same day who told me that this was true. She told me that I asked for a credit increase on XX/XX/XXXX and this is the reason why the report was pulled on XX/XX/XXXX due to this request on XX/XX/XXXX. I proceeded to tell her that is impossible. As I previously mentioned, I have several commenity Bank credit cards and I have requested credit limit increases in the past which have only ALWAYS resulted in a soft pull. I logged into my Experian account and can see all of the credit limit increases that I have asked for under soft pull inquiries- none of the credit increases I have requested through commenity bank are displayed under the hard pull inquiries list. Several other consumers have noted the same problem that Commenity Bank is pulling customers credits without their consent but have been able to speak with a supervisor and get this hard inquiry removed. Since I was not able to, this is why Im reporting this incident. Keep in mind I also reported this same bank through CFPB ( complaint ID XXXX ) in which they responded and told me they would not be reporting any such thing to the credit bureaus.
Consumer complaint received 2022-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NY)

Hello Consumer protection, please protect me! 

I am XXXX XXXX XXXX and, This stealing must stop. I paid my H.O. Ins policy in full as I always have. Im the XXXX XXXX  on my policy. ( See attached ) Its Paid in full, so XXXX is not paying anything. Theyre just stealing money from my escrow. 

They have not made a payment at all for years. WHERE IS MY MONEY? 

My homeowners insurance goes down My Property taxes goes down ( see attached dated documents ) But SLS. Continues to take payments for these escrow bills out of my account knowing they are not paying anything or any agency. WHERE IS MY MONEY from my escrow account? 

I need ALL OF MY MONEY BACK I NEED MY ESCROW OUT OF THE SLS AND TO BE PAID ONLY BY ME. 

This is larceny, fraud and criminal because SLS KNOWS THEY ARE NOT PAYING MY ESCROW -.BUT INSTEAD STEALING MY ESCROW FUNDS. 

See SLS lie below saying they are making payments. My insurance company is not collecting double payments. Im the writing insurance agent. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX BY. XXXX ( XXXX ) XXXX -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX Date : Friday, XX/XX/XXXX Subject : We Just Made Your Insurance Payment To : XXXX Error! Filename not specified. 

Hi XXXX XXXX, This is a confirmation email to let you know we just made one or more insurance payments for your loan ending in XXXX. 

XX/XX/XXXX {$1500.00} XXXX XXXX XXXX Our customer website makes it easy to view your loan information. Click the View Transaction History button below to access your account. 

You can make payments, order payoff quotes, change contact information and much more. 
Never miss a payment! Set up recurring monthly ACH payments credited directly to your account. 
Go Green! Help the environment by signing up for electronic document delivery. 

Error! Filename not specified. 

We have also created easy to follow XXXX videos to guide you through what to expect if your loan servicing has recently transferred to Specialized Loan Servicing LLC. The videos also explain the information included in your periodic statement and your escrow analysis statement. 


Questions? Contact Us. 
Error! Filename not specified. 
Monday Friday XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Error! Filename not specified. 

www.sls.net If you no longer wish to receive email communications from Specialized Loan Servicing LLC, click here to unsubscribe. You may also update your email preferences by logging in to www.sls.net to access your account. Select the Customer Profile link, then selecting the Change Email Preferences tab.
Consumer complaint received 2022-11-04
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

On XX/XX/2019 I attempted to purchase XXXX tickets to the XXXX/XXXX game in XXXX from two separate individuals and was scammed by both. The first did not send any ticket through XXXX as promised and the second individual sent scanned tickets through email that when I got to the XXXX stadium ( XXXX XXXX ) I was told they were not authentic. Both individuals blocked my number and would not answer when I called from a different phone.
Consumer complaint received 2020-09-03
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION (MD)

I have additional Information to provide under my complaint. Please see the attachment. I also requested Consumer Protection to get a Copy of this cancel check in my name. They refuse to give one to me. My complaint Number is XXXX. Also the the Letter that was date on XX/XX/2020 the Representative told me it was back date since XX/XX/2020. they never have no intention to speaking with me to resolve this issues. I am devasted how I am being treated in this matter. Navy Federal doesn't have no intention to investigate or speak with me. I ask this Office to retrive all documents on these Fraudlent charges.
Consumer complaint received 2022-07-08
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. (TX)

These are ALL fraudulent inquiries on my credit report that I just found. 

XXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous )
Consumer complaint received 2022-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company (IL)

MERCHANTS CREDIT GUIDE is aware that I refused to pay the alleged debt they say I owe. MERCHANTS CREDIT GUIDE is aware that the alleged debt is a result of identity theft. MERCHANTS CREDIT GUIDE has been requested to cease and desist all collection efforts through all mediums. MERCHANTS CREDIT GUIDE has also been requested to cease and desist communication through any mediums including credit reporting agencies. 
MERCHANTS CREDIT GUIDE was notified in XX/XX/2022, XX/XX/2022, as well as XX/XX/2022 about the fraud taking place in this transaction. MERCHANTS CREDIT GUIDE continues to harass me for payment yet hasnt provided the following : A. Original Account-Level Documentation B. A chronological listing of the names of all prior owners of the Debt and the date of each transfer of ownership of the Debt, beginning with the name of the Creditor at the time of Charge-off, if Respondents are initiating a Collection Suit on behalf of a Debt Buyer C.A certified or otherwise properly authenticated copy of each bill of sale or other document evidencing the transfer of ownership of the Debt at the time of Charge-off to each successive owner, including the Debt Buyer on whose behalf Respondents initiate a Collection Suit. Each of the documents evidencing the transfer of ownership of the Debt must include a specific reference to the particular Debt being collected XXXX. A document signed by the Consumer evidencing the opening of the account forming the basis for the Debt ; or ii. Original Account-Level Documentation reflecting a purchase, d.

payment, or other actual use by the Consumer
Consumer complaint received 2021-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX in regard to this incident. Please investigate these matters and remove the disputed items as soon as possible. 

Please remove the inquiry below : XXXX XXXX, XXXX - XX/XX/2021 2021