davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (WA)

I have two credit cards through commenity bank, one with XXXX and one with XXXX Victoria Secret. Both cards are being paid on time or nothing is owed. I started recently receiving up to 20+ calls a day coming from various numbers with a XXXX area code. Example of numbers is XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX etc etc. As soon as I see this number I block it and then almost immediately it calls again with a new XXXX number. I googled a few of these numbers and each time it shows up as complaints people are making for robo calls and it says this is coming from Commenity Bank. The super weird part of this is that my account is in good standing and Im a good customer that always pays on time. I dont understand why they would be harassing me. Just so that this stops I made an extra payment today for {$40.00}. Regardless they are relentless and they are putting my son and I in jeopardy because we are experiencing XXXX XXXX and they are also calling from unknown numbers. The problem is that so does law enforcement. The calls are getting so out of hand that I have silenced unknown numbers. This means when law enforcement is trying to contact me as a victim of ongoing XXXX XXXX  they cant get through because they also often use unknown numbers. I believe this robo calling is unlawful harassment and it needs to stop and is making my life as a victim of abuse and my childs even worse. This needs to stop.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-24
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. (FL)

According to 15 USC 1666b under timing of payments, it states that a creditor can not treat a payment on a credit card account under and open end consumer credit plan as late for any reason. I have called and sent letters to to both XXXX XXXX XXXX  and XXXX XXXX XXXX of the law. I was advised by both XXXX XXXX XXXX  and XXXX XXXX XXXX advised me that by LAW they are not allowed to remove any late payments. I called XXXX at XXXX and spoke to XXXX XX/XX/2022 she advised me that they are not governed by the CFPB laws and do not have to comply. I called XXXX and spoke to XXXX on the XX/XX/2022 and he said that XXXX can not remove the information without the consent of the original Creditor. I am the original creditor. I extended my credit through my open ended credit card ( what is normally call the social security card ). I quoted the law and I was advised that of the law and still will not remove the illegal information. I explained the same to Experian and advised them that facilitating the posting of my information know the law is illegal and that they are opening themselves up for a lawsuit. I was told take my best shot.
Consumer complaint received 2023-07-17
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. (CA)

XXXX case # : XXXX ( deducted credit score XXXX points ) never get adjust XXXX XXXX did removed incorrect delinquent history, but not late payment history, from my credit report. 
The late payment was a mistake and I reported it to XXXX XXXX. 

My credit score ( never NOR adjust ) after the delinquent history payment was removed. 

I disputed the late payment with the credit bureaus, but my dispute was not successful.
Consumer complaint received 2023-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

To Whom It May Concern, I am on an IDR plan ( REPAYE ) for my federal loans. I was with Great Lakes before COVID pause, then with XXXX XXXX, and now with MOHELA ( account number XXXX ). My loans was transferred from XXXX to MOHELA in XXXX. 
When I was with XXXX, I received emails instructing me to recertify my income in order to continue being on IDR plan although no income recertification was required during COVID forbearance period. Following misinformation by XXXX, I recertified my income on XX/XX/XXXX and the recertification was approved on XX/XX/XXXX. The recertification resulted in much higher payment compared to my payment right before COVID forbearance in XX/XX/XXXX. 
It is due to XXXX 's misinformation that I am now punished for trying to follow my loan servicer. I should had had the same benefits as everyone else because we were not required to recertify income during COVID forbearance. 
I have tried to have this fixed by calling MOHELA and but the conversations have not been fruitful. They told me they could not undo the recertification even though from researching online and discussing with others who were in the same situation, they were able to get their recertification undone. 
Attached documents include : 1. My recertification application on XX/XX/XXXX XXXX. Proof of my monthly payment with XXXX XXXX right before COVID forbearance ( the last email for monthly payment due on XX/XX/XXXX ) 3. My recertification receipt on XX/XX/XXXX ( when I was falsely asked by XXXX to recertify despite being on COVID forbearance )
Consumer complaint received 2023-08-01
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. (AZ)

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 2018-04-24
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. (CT)

XX/XX/XXXX-XXXX hard inquiry XX/XX/XXXX-XXXX hard inquiry Both are on my report, having been told they will be there for 2 years when it wasn't me, I was a victim of idenity theft though no balance ever occured, no loss of funds were obsessed by me, therefore was told by my local police Department no report was required.
Consumer complaint received 2023-06-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc. (PA)

Apparently my identity was stolen and someone opened a account with Kay Jewelry Comenity Bank I been trying to explain to XXXX XXXX XXXX that I was a victim of identity theft and I have rights regarding this debt, nobody verified the debt with me or anything as of today the debt is not on my credit report but this against the fair credit act and I will be taking legal process if it appears on my credit report.
Consumer complaint received 2020-11-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (IL)

Harris and Harris debt collection XXXX XXXX XXXX XXXX XXXX, 2020 XXXX XXXX,2020 XX/XX/XXXX2020 XX/XX/2020 XX/XX/2020 Request to stop calling Not our account They continue to call
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

There has been three opened student loans or student federal loans in my name fraudulently and I have NEVER been to college or received any money through a student agency I have been trying to dispute and it keeps coming back as accurate I will give any proof needed I just need this off my report
Consumer complaint received 2022-12-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-24
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: EQUIFAX, INC. (FL)

According to 15 USC 1666b under timing of payments, it states that a creditor can not treat a payment on a credit card account under and open end consumer credit plan as late for any reason. I have called and sent letters to to both XXXX XXXX XXXX  and XXXX XXXX XXXX of the law. I was advised by both XXXX XXXX XXXX  and XXXX XXXX XXXX advised me that by LAW they are not allowed to remove any late payments. I called XXXX at XXXX and spoke to XXXX XX/XX/2022 she advised me that they are not governed by the CFPB laws and do not have to comply. I called Equifax and spoke to XXXX on the XX/XX/2022 and he said that Equifax can not remove the information without the consent of the original Creditor. I am the original creditor. I extended my credit through my open ended credit card ( what is normally call the social security card ). I quoted the law and I was advised that of the law and still will not remove the illegal information. I explained the same to XXXX and advised them that facilitating the posting of my information know the law is illegal and that they are opening themselves up for a lawsuit. I was told take my best shot.
Consumer complaint received 2022-11-03
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. (FL)

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXChapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I experienced fraudulent charges on my account on XX/XX/XXXX. I immediately filed a claim in the amount of {$4200.00}. Wells Fargo not only filed the claim incorrectly but cost me XXXX of dollars in time with their unprofessional service. I then went to the bank to file a complaint. Within a week of no warning or communication, my debit card was canceled and a temporary credit in the amount of {$4200.00} was placed on my account on XX/XX/XXXX. I called to find out that they had refiled the claim, correctly this time, in the amount of XXXX. Claim ending in XXXX. From that time, I spoke with 5 different representatives. Three from the claims department and 2 from the executive office. the two claims representatives that I spoke with on XX/XX/XXXX and XX/XX/XXXX informed me that the claim was being finalized in my favor and that the temporary credit of {$4200.00} was not a permanent credit. I asked for additional confirmation several times on a recorded line due to receiving misleading information since the original claim had been filed back in XXXX. I was told that the information was true and correct and that a letter stating this information would be mailed out to the address on file on XX/XX/XXXX. Now, today XX/XX/XXXX, I spoke with claims representative number 3, and the information that I have received is completely different with zero resolution as stated before. I am extremely frustrated dealing with this misleading fraudulent company. I am requesting an investigation be opened and have contacted the executive office once again to file a new complaint.
Consumer complaint received 2022-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2018-04-24
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Velocity Portfolio Group (MA)

Velocity Investments LL and XXXX bought lending clubs junk debt. They left an envelope on my steps claiming they are going after my wages. What?? Why the hell are these guys. Seems like a scam but googling them it looks like this is their business model. I have nothing to pay them so I find the fact they left an envelope on the steps at a condo building with the wrong name on it pretty sad.
Consumer complaint received 2023-09-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (NC)

It has come to my attention, the BANK, has transfer an account to RADIUS GLOBAL SOLUTIONS immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. RADIUS GLOBAL SOLUTIONS is refusing to discuss my concern about their account #, without me first verifying the information they have on file. How can I verify information that doesn't belong to me?
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (GA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 SECTION 602 STATES THAT I HAVE THE RIGHT TO PRIVACY!! 15 USC 1681 Section 604 a section 2 it also states that a consumer reporting agency can not furnish an account without my express written consent ; under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-03
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. (TX)

I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing this CFPB Complaint to seek the removal of specific accounts from my credit file. This action is based on a mutual agreement between myself and XXXX XXXX XXXX, as supported by the enclosed correspondence from XXXX XXXX XXXX, dated XX/XX/2023. As XXXX XXXX XXXX, I currently maintain an active loan account with XXXX XXXX XXXX. Following discussions with their representative, we came to a consensus to close the mentioned accounts and have them eliminated from my credit history. The attached written confirmation clearly indicates our intent to close these accounts and erase all related information from my credit report. Here are the account details : Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$35000.00} Date of Closure : XX/XX/2023 Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Date of Closure : XX/XX/2023. I want to emphasize that XXXX XXXX XXXX and I reached this agreement in good faith, with both parties understanding that the necessary steps would be taken to ensure the removal of the closed accounts from my credit file.
Consumer complaint received 2022-12-06
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. (MI)

My name 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I live in California and have made my payments to PHH Mortgage Company. If my payment is going to be delayed within the 30 days mark I have always notified them. My niece was making a payment back in I believe in XX/XX/XXXX and out of the blue the representative said we have increased your mortgage payment. Mind you I have a fixed 30 year loan. I was never notified at all about an increase. The only increase I was aware of is when Trump increased it by {$100.00} ( and it should not have been ) and I had a few late fees I am aware of. 

It seems each time I talk to someone the storyline changes. I was told for months that I owe for the late fees and the amount I was owing was like {$150.00}. I feel like some where I am being taken advantage of and I am a senior citizen. 

My original house payment was {$1700.00} ( approximately ) and now I am paying {$2000.00} and something. How? Like I had mentioned the late fee and the {$100.00} increase I should be only paying. I was told this is my new payment due to increase in my property value and like I said they claim it has been since XX/XX/XXXX. I was not informed of such a thing until XX/XX/XXXX when my niece was making the mortgage payment. 

I made my mortgage payment by phone on XX/XX/XXXX and was charged a phone fee {$17.00} and was not informed. My niece was reviewing the payment confirmation and was like it seem like your payment is increasing. I need help because I don't like where this is headed.
Consumer complaint received 2022-11-25
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. (TX)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX  XXXX XXXX ) XXXX XXXX and XXXX XXXX XXXX ( Original Creditor XXXX XXXX  XXXX XXXX ) XXXX have violated my rights.

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.