davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (LA)

I have once again tried to contact this company. Today. 
I was told that they have to send me to another department as they cant help me yet they never once asked why I was calling. 
I was then transferred to a person who identified himself as XXXX XXXX who then told me the same thing. I was then put on hold and subsequently sent to a voicemail. 
I was trying to ask why they are reporting this debt, who they got my information from as XXXX declares in their contracts that they do not sell or give info to third parties. 
Both these companies have been selling my securities over and over Also, Jefferson capital claims my account opened in XXXX of 2023 which is incorrect
Consumer complaint received 2022-12-17
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: National Credit Systems,Inc. (NC)

I sent a letter on XX/XX/2022 to National Credit Systems. My tracking number was XXXX. However the letter was sent back and the address was listed as unknown, although the address is on my credit report. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know whose address is on my credit report under National Credit Systems.
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have noticed some incorrect addresses on my credit report that I never lived at. 
My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have noticed some incorrect addresses on my credit report that I never lived at. 
My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-04-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (TN)

On XX/XX/year> XXXX XXXX, I did a purchase with paypal, The Paypal company instead of using the type of source to pay a particular bill or order that I had with Walmart they are picking and choosing which accounts to take out the money and using their available credit tour on their website last, by doing this that put me at risk of not having them enough money in another account causing an overdraft, because it's not clearly stated on the website with PayPal that some of this money is coming out of my checking account, I find this practice deceiving, non trustworthy, and sneaky
Consumer complaint received 2024-04-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: ARVEST BANK GROUP, INC. (OK)

I was having problems with increased insurance rates. I got a new insurance company that charge {$1900.00} for the year. I told Arvest Mortgage company to put the {$1900.00} in escrow from my checking account so my monthly payments would be lower. Arvest gave the insurance company the full amount of {$1900.00} and needed more money in escrow as a XXXX month cushion. I asked why didn't they give the insurance company monthly payments from escrow? They had no response. Since ai do not pay property tax as a 100 % XXXX American veteran, I requested to end the escrow account which was approved by Arvest. My principal and interest is {$520.00} and some change. Today, Arvest overcharged me {$770.00}. They need to refund my money immediately. I called them at least XXXX times in XXXX weeks addressing the problem. I was STILL OVERCHARGED.
Consumer complaint received 2022-09-29
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-04
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act 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 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 2022-09-29
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. (MD)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) 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. States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (IA)

I am trying to contact the servicer for my student loans MOHELA. I was recently transferred to this servicer. Each time that I try to call the servicer for my issue the phone tree gives a nearly 3 minute message about call volumes and then says transferring to an agent. The system then disconnects. I have called on multiple occasions. 

I have attached a screen shot of my payment summary. I submitted a payment of {$2500.00} total. I wanted to pay off loan number 5. And I wanted the rest of the money to go to the interest/principle outstanding to loan # 1 so it can be paid off sooner ( {$1200.00} ). I don't want any of it to be applied to loan # 2 My employer is paying me XXXX month specifically for my loans so it is important to me that this money be applied correctly. It was not clear to me from the website how to do this. Additionally there is no transparency from MOHELA as to how they apply funds. Without being able to talk to anyone from MOHELA it isn't easy ( or timely ) to correct these issues.
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BOEING EMPLOYEES CREDIT UNION (WA)

Hi, I traveled from the XXXX in XXXX and arrived in XXXX XXXX with my Kids on XXXX, we had tourist visas that is valid for XXXX year and XXXX months of stay per arrival. I was dealing with a legit agency that was located in XXXX and they were able to extend the tourist visas for me and my kids. I have all the receipts of extension and they're attached in this complain. Before I Traveled out of XXXX in XXXX the boarder in XXXX in XXXX airport did not let me and my kids go. They forced us to pay an amount of ( {$9600.00} ) for staying long term in XXXX while we had all proper receipts documents, valid visas, and extended visas we showed to them. But they still have charged my BECU debit card that amount of money. They have asked me to sign on their receipt for authorization, but I refused to sign. I attached a copy of their receipt. I have disputed the charge, but my bank institute was not able to solve the issue, so they reversed the charge in XXXX. Please let me know if you need any other documents.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

Due to my understanding someone reported false information an false address an date of birth on my Equifax credit report cause my credit report be poor along with false information to harm my credit an long proving false information to credit card company denied my credit requests everything be removed off my report reporting false information to all XXXX credit bureaus company allowed to stop false information being reported with. Full disclosure an investigation need to file my name is XXXX XXXX XXXX XXXX XXXX XXXX what's on my identification an state issue identity card address fraudulent activity that someone use my personal information to uptain credit online illegally here is the supported document to support the claims an request to forward this to support my Equifax settlement i never received
Consumer complaint received 2024-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (WI)

I applied for a new loan with Mohela on XX/XX/2024. I wanted to change from a PSLF loan to a graduated loan because I could not afford the payments under the PSLF. When I applied I was told a decision would be received in less than 2 weeks. I just received the decision today. 
I received a denial letter for an extended loan which is not what I requested back on XX/XX/2024. I requested a graduated loan. 
I have placed this loan into forbearance twice now because it takes Mohela so long to respond and now they processed the wrong loan request. 
I can not continue to place this large loan into forbearance while I wait for Mohela to get things correct. I need to know if I can change my loan to a graduated plan as applied for.
Consumer complaint received 2024-04-04
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (TX)

I had disputed debt with Hunter Warfield collections by email with attached dispute. I requested written documentation and more information to verify the debt. I provided my full address, full name ad the account number and original creditor. I do not owe this debt and Hunter Warfield has wrongfully placed me with collections without allowing my opportunity to dispute the debt. I made several attempts to dispute to their email on XX/XX/XXXX and again on XX/XX/XXXX after their automated response refusing to validate the debt. Please see attached dispute.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2022-05-15
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. (TN)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2019-11-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (IL)

Application ID XXXX This application was taken and they failed to accept any proper forms of ID. In order to ID me they used incorrect data. I answered all my questions correctly and they stated they were incorrect. At that point I offered numerous forms of ID which they would not accept and would not return my calls with a manager. They ended up showing the soft hit on my credit for it regardless but then stated it was not me. I believe they are not properly identifying their customers as they are required to. This was my first time dealing with Comenity Capital Bank but all other institutions properly validate ID.
Consumer complaint received 2022-09-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : Account : XXXX # XXXX. 
Inquiries : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX
Consumer complaint received 2022-12-17
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: EQUIFAX, INC. (FL)

File ftc report already on identity theft and fraud to all three credit bureaus they have refused to removed XXXX hard inquiries on my Equifax and XXXX report
Consumer complaint received 2023-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I recently created a credit monitoring account and noticed that someone has been illegally using my information to apply & get credit cards. Which caused a couple of inquiries to appear on all 3 of my credit reports that i never authorized anyone to do so and to my knowledge this is a violation to my rights & the law, and all fraudulent inquiries should be removed.
Consumer complaint received 2022-09-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION (WA)

A official copy of my Notice of Complaint by Affidavit regarding the Discriminatory Actions and Federal Law violations made by the corporation in question is being attached to this CFPB complaint along with the evidence/proof that proves the allegations herein Please take note : A copy of said notice will be mailed out today to the the financial institution and its registered agent via XXXXXXXX XXXX Mail 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-09-29
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. (SC)

My name is XXXX 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 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (FL)

I made my monthly auto loan payment to Ally Financial for XXXX on XX/XX/2022. The payment went through successfully and I received payment confirmation. The representative on the phone told me the payment would process immediately and reflect as paid. I had explained due to hurricane Ian I was unable to have the payment drafted sooner but made it before the 30 day. 

Now on XX/XX/2022 I received a notification from XXXX credit bureau that my auto ally financial was 30 days late. Dropping my score XXXX points. I have proof of payment that was made before the XXXX. 

I spoke to ally and they said it will take 45days for a investigation and have it removed. I need this matter resolved sooner as Im in the process of purchasing a home. This was not my fault as the payment was made before the 30 days! This is negatively affecting me. Im suffering from XXXX due to ally financials error! 


Ally Reference number : XXXX
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America decreased my credit line for no reason last year. They have no justification as the payments were never late, they were on auto-pay. Bank of America NEVER notified me that they were taking this action. They refuse to work with me or accept responsibility for damaging my credit report by decreasing the line to where I'm utilize 99 % of the balance, whereas before I was at 33 %. I'm an XXXX and things were a little tight for me and my family these last XXXX years. Bank of America refuses to work with me and will not do anything for me as the consumer. They are extremely rude and insulting over the phone.
Consumer complaint received 2023-02-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the following accounts listed on my credit report. The information reported is inaccurate and does not reflect the actual status of these accounts. I request that you investigate and remove these items from my credit report as soon as possible. 

XXXXXXXX XXXX XXXXXXXX late payment account : I have never been late on a payment to this creditor. 

XXXX XXXX XXXXXXXX collection account : I have no knowledge of this account and do not owe any debt to this creditor. 

XXXXXXXX XXXX XXXXXXXX charge off account : This account has been paid in full and should not be reported as a charge off. 

XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX collection account : This account was settled and paid in full, and should not be reported as a collection account. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX collection account : This account was also settled and paid in full, and should not be reported as a collection account. 

XXXX. XXXX XXXX XXXX XXXX account : This account was settled and paid in full, and should not be reported as a collection account. 

XXXX. XXXX XXXX XXXX XXXX charge off account : This account has been paid in full and should not be reported as a charge off. 

XXXX XXXX XXXX XXXXXXXX charge off account and XXXXXXXX XXXX XXXX XXXX charge off account : These accounts have been included in my bankruptcy and should be reported as such. 

XXXX XXXX XXXX XXXXXXXX charge off account : This account has been included in my bankruptcy and should be reported as such. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX collection account : This account has been included in my bankruptcy and should be reported as such.