davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-25
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Sentry Credit, Inc. (FL)

I had created a XXXX debit card which was recommended as an employee. It was linked to my bank account and the money I used was my own money. A week before I received my card in the mail I saw a charge for XXXX I brought this up to customer service and called XXXX to return my money and cancel my account. I was furious that this happened because it was a debit card which meant someone is taking my hard earned money to buy shoes not even in XXXX. They apoligzed and returned my money in 3-5 days. A week later it happened again over drafting my account I called XXXX again and they said that this transaction had to be processed three times and returned back again in 3-5 days they also said how they cancelled my card and have a new one for me when I explained to them I just did n't want an account with them because this should n't have happened. I also had to call my bank and get them to reverse the overdraft fee. I got the money back agian and then the following week they took out the money again over drafting my account again. I called them for the third time and they said they reversed the transaction again and it will return in 3-5 days hoping this was the last time I called my bank again to reverse the overdraft fee. After two weeks I get a call saying I owe a balance of XXXX for the shoes I bought I explained that I had already disputed with someone that I did n't make this purchase they looked through the records and said oh OK yeah I see that. We returned the money twice and I said actually three times you took my money three times and returned it three times. That 's when they claimed that they gave me an extra XXXX one from my bank and one from them and that I need to pay it. I looked at my account and did n't see any extra money and I refused to pay the balance something that should n't have even happened and caused me allot of problems with my bank. A full month of problems for a fraudulent charge on a debit card I did n't even recieve before this happened and inconsiderate reps that did n't follow my wishes to close the account just to keep me as a card holder.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX is reporting a late payment on XXXX ... this is a 30 days late payment that i dont recognize as mine, because i never been late on this account. If yes, you must to send me proof for this late payment...
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT. 

1. Account Name : XXXX XXXX Account number : XXXX Date opened : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSWORLD SYSTEMS INC (FL)

I took care of the settlement balance of {$720.00}. I was told that the debt would be removed from my credit reports and it is still reporting. Confirmation of payment is XXXX
Consumer complaint received 2020-10-15
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. (FL)

There are currently numerous inquiries and accounts listed on my credit report that I have no knowledge of. These inquiries and accounts were not authorized or initiated by me and was a result of fraud or malpractice.
Consumer complaint received 2024-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NJ)

In XXXX, I made two lump-sum payments to my loans with XXXX. For this reason, my due date was pushed back to XX/XX/XXXX. However, when my loans were switched to MOHELA for the purposes of the Public Service Loan Forgiveness ( PSLF ) program, they reset my payment date to XX/XX/XXXX. I am filing this complaint because MOHELA should honor my original due date. I should not owe payments last or this year, as I should receive credit for the payments I made ahead. I contacted them about this and they did not offer me an explanation for resetting the due date nor a resolution to this matter. 

In addition, I'd like to make a complaint that as I was trying to work with MOHELA to provide an answer to this issue ( and to the fact that they placed me on the SAVE plan without my consent or request ), they placed my account on the wrong type of forbearance, resulting on XXXX and XX/XX/XXXX not counting toward my PSLF count. I was advised on more than one occasion by customer service representatives that they were placing me on an administrative forbearance and that months during that time would count.
Consumer complaint received 2024-01-18
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. (NY)

I see on my credit report that my transaction history is being reported. As per 5USC 552a, the Privacy Act of XX/XX/1974, and 16 CFR 313, I invoke my right to protect my privacy and for XXXX and credit reporting agencies to uphold the law, that includes experian XXXX and XXXX
Consumer complaint received 2016-05-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Valentine and Kebartas, Inc. (NH)

I spoke to a rep XXXX/XXXX/16 from Valentine and Kebartas letting them know I am disputing the validity of the debt and for them to cease communication with me. They call repeatedly every half hour and also after I told them to cease communication on XXXX/XXXX/16 @ XXXX. They are very rude and one rep even hung up on me.
Consumer complaint received 2016-02-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (OR)

Commonwealth Financial Services contacted me by phone telling me I had by end of day the next day to pay a debt of {$2000.00} or they would be sending me a summons for criminal charges. They tole me the additional fees could be upwards of {$8000.00} if we ended up in court. I told them to send me something in writing. I received a letter from XXXX XXXX ( XXXX XXXX? Email address was XXXXXXXXXXXX ). The letter stated that I had to settle the debt by XXXX/XXXX/XXXX to avoid any further collection proceedings. I received several harassing emails after our initial contact. I looked in my records and saw that this account had been satisfied in full with XXXX XXXX XXXX back on XXXX/XXXX/XXXX. I feel that this was a complete fraud tactic to scam me out of {$2000.00}.
Consumer complaint received 2024-02-13
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: EQUIFAX, INC. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

USAA keeps correcting the balance I owe them on my credit report then putting it back on my credit report. They have been doing this for years when the debt has been paid in full. They are still reporting it as a current debt and keep refreshing it like it is a new debt. I want the debt removed from my credit report and I want USAA blocked from reporting on it ever again as I do not do business with them for this very reason and have no intentions of ever returning as a customer again after this poor management of my accounts.
Consumer complaint received 2024-01-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA (NY)

Due to financial hardship, I am a government worker who can not afford my XXXX loan payments. I called MOHELA to see the agent 's options and was offered a forbearance, which added interest to my loan. 

Due to the growing interest on my account, I've already added approximately {$25000.00} to my loan. I sent an email complaining to the White House, too. 

The margin in my budget is only {$300.00}. I have to use that for transportation to work because I need a car and the Public Transportation here is unreliable ( for example, it took me one and a half hours to travel six miles )!!
Consumer complaint received 2024-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MO)

Mohela has failed to communicate important and accurate information in a timely manner. Mohela student loans were put into forbearance due to the covid pandemic from XX/XX/XXXX- XX/XX/XXXX. I received communication stating that loans would go back into repayment starting XX/XX/XXXX. Therefore, I made a payment of {$21000.00} that went through on XX/XX/XXXX. In XXXX and XXXX I continued to get notifications and billing statements that stated that monthly student loan payments were due. I made multiple attempts to pay those bills. However, each time I would make a payment I would be notified that my financial institution returned my payment due to No account/ unable to locate. I continued to get notifications that my account was past due. On XX/XX/XXXX I received an email that stated Your account has been placed into an administrative forbearance ( meaning no payment is required ) for payments due between XX/XX/XXXX, through XX/XX/XXXX. You are not required to make a payment until XX/XX/XXXX This was the first time I was notified that my account was in forbearance. Which means I was notified after the forbearance period was over. 

Had I known that my account was in forbearance I would not have made the {$21000.00} payment. I also would have not attempted to make any further payments during that time. In addition, Mohela also shows inaccurate information when I try to view my PSLF qualifying payments online. I wouldnt have made the {$21000.00} payment if I knew that the number of PSLF eligible payments was inaccurate on my account when I view it online. 

Repayment has again restarted in XX/XX/XXXX. I attempted to make a payment on XX/XX/XXXX. The payment was again returned to me and I received the same message that my payment was returned for the same reason of No account/ unable to locate. I continue to receive notifications that my account is overdue despite multiple efforts to pay it. I spoke to an agent on the phone on XX/XX/XXXX and was told that a supervisor would call me back. I spoke to a supervisor on XX/XX/XXXX and she could not determine what the issue was. I was told they would investigate it further and call back within 7-10 business days. Meanwhile, my account is still accruing interest and Im unable to make any payments. I would like all payments made from XX/XX/XXXX - XX/XX/XXXX to be returned to me. I was given misleading and false information. These issues can never be resolved due to long call wait times, and processing errors and delays.
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have had transaction fraud with Capital One Spark Business for over XXXX years now. The first time this happened was in XXXX. They cancelled my credit card and gave me a new one- charging off my outstanding debt because it was not mine. I was a victim of transaction fraud that same year again so i called between XXXX and XXXX. I was given another credit card and the debt was charged off. I have been calling nonstop because i want answers with the outstanding debt. I called in XX/XX/XXXX, and they told me there was a fraud investigation that was taking place. That it would take approximately XXXX days to get an answer. I turned to a non-profit because i needed help, Capital One kept giving me the runaround. So a Housing Counselor called Capital one on my behalf today, XX/XX/XXXX. XXXX XXXX # : XXXX said that the fraud investigation would take approximately XXXX  days to complete and on the system, the fraud claim was placed on XX/XX/XXXX. They do not want to resolve my claim and this is affecting my credit score/report and also my ability to get any new types of credit. I have always paid on time and never exceed my limit.
Consumer complaint received 2024-01-31
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (TX)

I've called Discover Student Loan multiple times requesting prove that I've cosigned for these loans. I'm always told, I'll receive something in the mail and as of XX/XX/2024, I still haven't received anything in the mail.I have also applied for XXXX as well, due to my illness and this is still currently under review.
Consumer complaint received 2024-01-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (AZ)

On XX/XX/XXXX, XXXX  XXXX alerted me of a negative addition to my credit report that dropped my score over XXXX points. ( i have perfect credit, no late payments or charge offs ect. ) When i investigated this it was a collection company MRS BPO the original debt was to XXXX XXXX  a cell phone company opened XX/XX/XXXX for an amount of {$340.00}. With a cell number of ( XXXX ) XXXX that is a Michigan area code, i live in XXXX and have never had business with XXXX and i have had the same cell company for over XXXX  years! I was never contacted by XXXX nor the collection company just found it on my credit report. The credit collector had only a small amount of info and was told to contact XXXX but was never able to speak to a person only a bit on line, so i filed a dispute with XXXX and the other XXXX companies XXXX XXXX and XXXX to get some results and answers, my perfect credit is being ruined by this debt collector and XXXX and i want it removed this is not my debt, i have never used or done business with XXXX and do not have a cell phone from them.
Consumer complaint received 2024-01-30
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation (TN)

i made a hasty decision because my mother-in-law was XXXX and was trying to help out my husband with paying for hotel bills going back and forth to and from our destination. i asked for a loan. it had to be secured with my car if i got it it was demanded that collateral was a must. i transferred my loan from my credit union to go with XXXX main. then i came back a year later to state i wanted to get additional funds due to me going to Hawaii for my anniversary and again used the car for collateral. now i have been paying payroll deducted however i what to go back to my credit union due to the interest rate is too high. i inquire and was told the young lady that wrote up my loan is no longer there and that my title to my car has been lost. spoke with a XXXX XXXX and she swears she is working on it and have called several times within this past year and still have not gotten a response to how they will rectify my issue. Bad customer service, It is like they want your business and then once they get it it is all downhill after that. Til this time and time i have not gotten a call back. so now i feel like i am being held XXXX with this loan because they have lost my title and now i can not go anywhere else.
Consumer complaint received 2024-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello and thank you for taking the time to help out with fraudulent transactions that Ive already reported to Bank of America On XX/XX/XXXX a transaction from XXXX posted onto my account and every other day since then there has been charges ranging from {$60.00} upwards of {$300.00} I reported these already to Bank of America and have my police report number, I was advised to hold onto these details incase the investigative team asks for it later I wanted to reach out because I havent received my credit for these transactions and any help would be greatly appreciated, thank you
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX. & also XXXX XXXX XXXX XXXX TX. I have notified the police, FTC, and collection agencies, and my private information was used to get these apartments and is currently being used for goods and/or services. This address is in the FTC affidavit in the personal information section as XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX TX are fraud addresses.
Consumer complaint received 2024-01-18
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. (PA)

These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists the fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenience to me as consumer.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. Over 60 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored in my disputes. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted expeditiously. If the accounts are not deleted immediately, I will file for litigation due to the stress you have caused me. My information may have got into the hands of the wrong person as I have been a victim of fraud.
Consumer complaint received 2024-01-18
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. (NV)

Experian, XXXX and XXXX didnt remove late payments need to remove Late payments from XXXX account XX/XX/23 XX/XX/23 XX/XX/23 ( 15 US 1666b ) Im showing proof each payments was made on time
Consumer complaint received 2024-01-18
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. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. XXXX XXXX XXXXXXXX ACCOUNT # XXXX, XXXX XXXX  XXXX ACCOUNT # XXXX XXXX XXXX  XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 A. STATES IHAVE 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 2017-01-25
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Credit, Inc. (TX)

Sentry Credit INC XXXX, WA. This company bought my outstanding loan from CREDIT BUREAUS which is XXXX years old. Added interest to my balances and trying to aggressively collect the debt saying they will make sure the collections remain in my credit reports for another 7 years.
Consumer complaint received 2024-01-18
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. (LA)

I am the author of this complaint and I have attached my ID and SSC to verify my identity. I have also attached a case study ( XXXX XXXX XXXX XXXX XXXX ) to further back my standing Dear Consumer Financial Protection Bureau, I am writing to submit a formal complaint against XXXX and Experian for violations of the Fair Credit Reporting Act ( FCRA ) in connection with inaccurate information on my credit reports. I believe these inaccuracies are negatively affecting my creditworthiness and financial standing. 

The inaccurate information pertains to the following accounts : 1. XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX 2. XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) 3. XXXX XXXX XXXX ( Original Creditor : XXXX ) 4. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) 5. XXXXXXXX XXXX 6. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX I have already submitted dispute letters to both XXXX, XXXX and Experian, detailing the inaccuracies and requesting a correction. However, to date, I have not received a satisfactory resolution. I am seeking the intervention of the Consumer Financial Protection Bureau to address these violations. 

I believe the credit reporting agencies have violated the FCRA by reporting inaccurate information and failing to conduct a reasonable investigation. This has caused significant harm to my credit standing, affecting my ability to secure favorable terms on credit and loans. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that XXXX and Experian comply with the FCRA. I am also requesting that you provide me with updates on the progress of your investigation. 

Enclosed with this letter are copies of the dispute letters sent to XXXX and Experian, along with any supporting documentation. I appreciate your prompt attention to this matter and thank you for your assistance.