davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

My entire monthly payment of {$1200.00} was applied to interest only. Nothing was applied to the principal. My loan servicer is MOHELA and this practice, to my knowledge is illegal. 

My account has not been placed in administrative forbearance. I submitted an official complaint through their process as well.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CL Holdings LLC (AZ)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2023-12-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION (MA)

The Company 's website incorrectly reports information regarding the amount they are taking from my bank account. Their excuse is that they sent me an email with the correct payment amount, but that still doesn't explain why their website is reporting false information. The Company sends the same exact email every month for years letting you know that your payment is being auto debited from your bank account and then expects you to notice that the final email notes a completely different amount for the balloon payment. However, anybody that relies on their website for this info will be given false information. 

As a result of their broken website, I incurred a {$35.00} insufficient funds charge from my Bank because I did not transfer the funds to my checking account in time. I knew the balloon payment was coming and would have transferred the funds, but I checked their website prior and it incorrectly stated that only my normal payment amount would be coming out on the specified date. Their website is broken. I fully understand the terms of the balloon payment and knew it was coming, but the website did not give me a chance to prepare. 

As shown in the screenshot attached, I was presented with incorrect information stating that the 'Payment Amount ' was {$230.00}. Based on this information, I assumed I would be making the XXXX Payment as a separate debit from my bank account, rather than the monthly AutoPay on XX/XX/. 

The Autopay authorization on their website also makes it very unclear that the balloon payment will be taken as an AutoPay.
Consumer complaint received 2023-12-17
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: NAVY FEDERAL CREDIT UNION (PA)

I contacted XXXX XXXX XXXX for 100 % VALIDATION and 100 % PROOF OF CLAIM and did not receive a response to the below listing on my credit report. 

XXXX XXXX XXXX Last reported XX/XX/2023 XXXX Open balance 12 NAVY FEDERAL CREDIT UNION Original creditor
Consumer complaint received 2023-12-14
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: CITIZENS FINANCIAL GROUP, INC. (CT)

1. I PURCHASED A PACKAGE TRAVEL WITH EXPEDIA.COM USING MY CITIZENS CARD. 
2. AFTER BOOKING MY PACKAGE WITH 2 HOURS. I WAS TOLD EXPOSED TO XXXX. WITHIN 4 HOURS. I CALLED XXXX REQUESTING A CANCELLATION DUE XXXX 3. XXXX HAS A 24 HOURS CANCELLATION POLICY FOR THE FULL REFUNDS 4. AFTER SPEAKING TO A REPRESENTATIVE. I WAS TOLD THEY ARE UNABLE TO CANCEL MY TRAVEL PLANS... I WAS INFORMED TO CALLED THE HOTEL AND AIRLINES DIRECTLY FOR ANY CANCELLATIONS. 
5. AFTER CALL THE HOTEL AND AIRLINES. I WAS TOLD THEY ARE UNABLE TO CANCEL MY SERVICES SINCE I HAD BOOKED IT ONLINE THROUGH A ( THIRD PARTY. 
6. I IMMEDIATELY CALLED BACK XXXX EXPLAINING MY OUTCOME FROM THE HOTEL AND AIRLINES. SAYING THE HOTEL AND AIRLINES DID MADE MY RESERVATIONS. AND I REQUESTING MY CANCELLATION. 
7 XXXX IS MISLEADING AND DISHONEST. MY TRAVEL PLANS WAS CANCELLED WITHIN 4 HOURS. XXXX HAS 24 HOURS TRAVEL POLICY FOR THE FULL REFUND CITIZENS BANK IS ( UNACCOMMODATING ) I AM UNABLE TO COMMUNICATION WITH THE DISPUTE DEPARTMENT. THEY ARE NEVER RETURNED MY CALLS. 
8. I KEPT CALLING CUSTOMER SERVICE TO ESCALATE MY FRUSTRATIONS. THEY ARE NOT HELPFUL. 
CITIZENS WROTE A LETTER SAYING WHAT IS XXXX POLICY IS AND THEY ARE NOT TRYING TO BE FAIR WITH MY RIGHTS.. AND RETURNING MY FULL FUND
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (IN)

I was just charged {$24.00} from Experian. I asked for a refund but they wont refund and I cant get them to cancel my subscription!!! I can not cancel from the website or by phone. I keep getting customer service and they repeat over again that I will have a free credit report. I have tried several ways to cancel with no luck!!! I hope you can help me. I have never paid for this service and did not give them permission to charge me.
Consumer complaint received 2024-04-30
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: EQUIFAX, INC. (TX)

I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those accounts.
Consumer complaint received 2023-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (MO)

XXXX I started the account in XX/XX/XXXX. I had my XXXX debt down to XXXX before XXXX of XXXX. They took XXXX payments out then returned payments then closed my account permanently. They refused to send a bill so finally in XX/XX/XXXX I got bill for over XXXX. They completely restarted my account over an increased the credit them. But it said I owed I contacted them they sent me records 6 months later make it look like the account was opened in XX/XX/XXXX. XXXX they had not right to close account there was over XXXX in XXXXXXXX XXXX account Bank even XXXX the payment was withdrawal from their end and returned from their end. Then to start my account over increased credit but force me to pay a debt I didn't acquire at all. The account been permanently closed since XX/XX/XXXX. I can't an haven't been able to use the account since XX/XX/XXXX. I've paid the XXXX plus late fees plus now over XXXX in debt I never created. I'm not the only person who has had issues with XXXX doing this. A there seems to over been other complaints an possibly a law suit of things like this. I want the money back I've been forced to pay since XX/XX/XXXX on the XXXX debt I didn't create on a permanently closed account. I have old bills and other pdf proof on this account ( XXXX ) but its on a damaged phone i cant access XXXX. I have few item on new phone XXXX. I'd have to make copies and mail in proof.
Consumer complaint received 2021-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (FL)

On or before XX/XX/2021 I received a notification via e-mail from XXXX XXXX regarding my credit score. My credit score had dropped more than 35 points as a result of a delinquent cable bill that was sent to CREDIT MANAGEMENT LP, a debt collection agency in XXXX, Texas. Unbeknownst to me, a bill in the amount of {$1000.00} was owed to XXXX XXXX for cable/cellular services provided in the state of Texas. Shortly thereafter, I submitted a dispute through XXXX  and awaited the results of their investigation. 

I finally received correspondence on XX/XX/2021 regarding the aforementioned matter a long with the results of their investigation. XXXX, apparently, found that the " disputed item was verified as accurate ; however other information has also changed. '' According to the investigation report, the account was placed for collection on XX/XX/2021. It was then updated on XX/XX/2021. 

On XX/XX/2021 I contacted XXXX  to contest the findings of their investigation. I spoke with a XXXX  representative and explained the following : The debt owed does not belong to me. I do not owe any sum of currency to XXXX XXXX. I have never, in my life, ever visited the state of Texas. Moreover, it has been, approximately, more than 10 years since I've had cable in my own home, which is in XXXX, Florida.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

A credit card was opened under my name with Capital One - I did not open this account/it was not me. 
Capital One closed the account and I have frozen my account through XXXX and notified the credit bureau.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment 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 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (SC)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2023-04-25
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 fair Credit Reporting act XXXX account has violated my rights. 15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MO)

XX/XX/2022 Trascation 1 amount {$66.00} money transfer from my Chime account to another person 's Chime account during XXXX XXXX. 

Transaction 2 amount {$10.00} money sent from my Chime account to cash app to one of people who was participating in the XXXX XXXX. 

Transaction 3 amount {$100.00} money sent from my Chime account to same person who received {$10.00} XXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc. (RI)

Someone other than me, applied for a credit card under my XXXX account. 3 times. 

All 3 times were denied by XXXX. I have disputed all XXXX with XXXX and now Experian. 

The thing that is unfair, is that these fraudulent applications have resulted in 3 Hard Inquiries on my credit report. As soon as the fraud perpetrators hit send on the fraudulent application, I get a Hard Inquiry on my Credit Report. But Experian gets 90 days to remove them from my Credit Report after XXXX tells them the applications were fraudulent?!?! Where is the fairness in that? 

I have since locked my Experian credit file.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

These accounts listed here are all opened fraudulently without my permission : There is identity theft occurring on my credit report. 

Account Name XXXX XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Identity Theft
Consumer complaint received 2023-12-14
Product: Credit reporting 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)

According to the fair Act 15 USC 1681 section 602 states ACCURACY AND FAIRNESS OF CREDIT REPORTING : ( IN WHICH THIS IN NOT BEING HONORED OR BEING REPORTED TRUTHFULLY ) 15 USC 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer. XXXX, EX [ ERIAN AND XXXX are all unlawful reporting inaccurate information. As the consumer I have the right to make sure my private information isn't being shared this statement is backed the 115 US 6801 and it states " It is the policy of Congress that EACH financial institution has an affirmative and continuing obligation to respect the privacy of it costumers and to PROTECT THE SECURITY AND CONFIDENTIALITY OF THOSE NON PUBLIC AND PERSONAL. 15 USC 1681-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISHANY INFORMATION RELATING TO A CONSUMER OR TO ANY CONSUMER REPORTING AGENY IF THE PERSON KNOWS OR HAS RASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. THESE COMPANIES SELLING MY INFORMATION AND COMMITTING SECURITIES FRAUD. I PULLED THEIR XXXX AND XXXX FILINGS AS WELL AS DOWNLOADED ALL MY DATA PLUS MY CREDIT PROFILE AND THE INACCURACIES ARE STILL THERE AND THEY FAIL TO PROPERLY INVESTIGATE THE ISSUES ATE HAND AND FAIL TO PROVIDE PROPER PROOF. NEITHER COMPANY ARE MAINTAINING REASONABLE PROCEDURES ALSO 12 CFR 160.7 STATES " A CONSUMER MAY EXERCISE THE RIGHT TO OPT OUT AT ANY TIME " I AM OPTING OUT OF YOUR ILLEGAL REPORTING SERVICES ''
Consumer complaint received 2024-06-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (AL)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2023-07-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

The problem is as of today XX/XX/XXXX  XXXX has my name incorrect on my credit report this is not me and this is false information. I want all this information wiped clean on my Experian account. 

I can provide my correct information such as my driver 's license. 

Thank you.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I previously wrote you to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 

I contacted the U.S. Bankruptcy Court courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have included a copy of the response from the courthouse for your reference. 

It is quite clear that someone from Experian lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ). 

As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report : " XXXX XXXX Bankruptcy '', Docket # : XXXX Please respond to me in writing once this removal has been completed. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-13
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: NAVY FEDERAL CREDIT UNION (CA)

An unauthorized charge of {$3200.00} on XX/XX/2023 was charged to my credit card. Ive tried disputing with navy federal but was told theres nothing they could do about it without proper documentation. Ive submitted documents and was told those wouldnt work. So I appealed for a 2nd time with more documents and was told I can no longer appeal my case. This charge has been extremely detrimental to my credit score and completely unacceptable
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I recently received my credit report and noticed an an account that was not reporting accurately. I had late payments that I was in fact paid on time the consumer report agencies need to report all information with complete accuracy. This account has not been late on payments I have attached a copy of to this complaint on the following dates XX/XX/year> I am now request you investigate and provide verifiable proof with record showing that I had late. If this information can not be verified I request these payments be updated to paid on time immediately as this is affecting my credit, and I have always been on time.Thank you for your understanding and prompt actions.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Radius Global Solutions LLC (OH)

Someone opened an XXXX XXXX XXXX  account in my name in a city I have never lived in. I have repeatedly told the company and disputed the charge but they have not closed it. I have filed police reports, provided proof that I have never lived at the address they have listed, and I've never even lived in XXXX, OH. This account is still open, still on my report, and now they are threatening court action. I have had the same cellphone and carrier in XXXX, OH since 2003. I have no idea who used my information to open an account in another city but I am at my wits end trying to prove it is not me.