davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (IA)

I applied for the SAVE repayment plan. For some reason it was only applied to 2 of my 17 loans. I called to get an explanation of why it was not applied to all of my loans ( they are all the same XXXX federal loans ) they told me that it should have been applied to all the loans and to just reapply for the SAVE plan again. So I reapplied and received notification it was denied. I reapplied again and received notification it was cancelled. I called Mohela again and asked why the SAVE plan wasn't being applied to all my loans and again they said it should be and they reapplied for me over the phone and now I am receiving notification that the new application that they did for me is a duplicate. So the SAVE plan is still NOT being applied to all my loans and there is no explanation for why and my monthly payment for the other loans is put on a LEVEL plan that I did not sign up for and can not afford. I can not get an answer from anyone at Mohela about why not all my loans are going towards the SAVE plan.
Consumer complaint received 2023-08-26
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 2023-03-06
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. (MI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX 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 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 XXXXXXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (TX)

XX/XX/ I deposited a check for {$2500.00} into my Wells Fargo checking account XXXX received a bank message that check was returned and the funds were disappeared from the account. Message said frozen/block Spoke to Wells Fargo customer service and they said reason was the payor 's account was either frozen or the check was blocked. 

Spoke to payor - their account is with XXXX XXXX XXXXXXXX- and the payor checked with XXXX XXXX XXXXXXXX, and they said that the check does not even show up on their statements as if the check was never deposited. 

XXXX XXXX XXXXXXXX also said they had plenty of assets in account and there was no blocks placed of any kind. 

I am caught between now with both insufficent funds fees and with late charges and with bills accruing. Playing with people 's lives for their convenience, people like me are left helpless.
Consumer complaint received 2023-03-23
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX 2. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
4. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 
6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account.
Consumer complaint received 2024-05-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alorica Inc. (VA)

I have reached out to this company over the past several years trying to resolve this debt but to know avail I clearly stated to them that I was a part of the XXXX  XXXX data breach and that this debt is not mine I have never made a payment to this company ever they falsely reported that I made a payment from a secured savings account I never did I asked them to send me a complete payment history of this acount to see when and what method the alleged payment was made they never sent it and they are reporting this account wrong on my consumer report thats a direct violation of the fdcra also they listed the account as unsecured but they said I made a payment from a savings account that I had secured with them, I see they have charged this account and have received tax credits from the IRS but they want give me a 1099-c so I can file it with the IRS so that Ill be in total compliance with all tax laws and I have reached out to them on several different occasions but to no avail.
Consumer complaint received 2023-08-26
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. (FL)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/2023.
Consumer complaint received 2019-05-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (WI)

I went to make a withdrawal from my account on XX/XX/2019 and found that I could not. I was under the impression that the ATM was not in working condition because this particular machine has issues periodically. The following day, XX/XX/2019, I attempted to make a purchase and my transaction was declined prompting me to call AMEX. The balance was not accurate and so I requested to hear the transactions. Upon listening, I find that there has been a purchase made that I do not recognize and request to speak to an agent to get more information about the charge. I speak with the agent, find out that the person used my information in a totally different state and am then put through to the fraud department where I file a dispute about the charge. I can't remember the exact length of time that I was told by the agent that it would take for the investigation, but a replacement card would be mailed out in 7-10 days. I was advised by the agent to go online in order to view a statement so that I could see more transactions. When I did that, I found two more purchases and called AMEX customer service again so that those charges could be disputed. I was again put through to their fraud department, but this time was told that the charge had not actually gone through yet ( funds had been removed from my balance and put on hold ) and I would have to wait until the charges went through in order to dispute the charges. I wait until the following week, either XX/XX/XXXX or XX/XX/XXXX and no card so I call in and am advised that they won't be sending a replacement until XX/XX/2019. I waited patiently thinking/hoping that my replacement would not take 29 days to be issued. On XX/XX/XXXX, I call in and speak to at least three different agents before I have to ask for a supervisor who informs me that the first agents that I spoke with on XX/XX/XXXX and their fraud department never followed up with my dispute. The billing department closed the case and never gave the information to the fraud department. By this time, the second fraudulent charge has now been processed and paid out. I was told that the dispute has now finally been filed and a replacement card will be mailed out. I don't have any faith that this will happen at all.
Consumer complaint received 2023-12-19
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I purchased steaks and hamburger from XXXX XXXX, an online meat delivery company. The box arrived, the meat was thawed, and spoiled. It arrived in a cardboard box that was not insulated, nor packed with dry ice. The meat was not editable and had to be put in the garbage. I contacted the company and they refused to provide a refund. I filed a dispute with my credit card company, see attached exhibit # 1, I filled out the form that they requested describing the problem, see exhibit # 2. They denied my dispute, see exhibit # 3, claiming " it lacks all of the previously requested information ''. I sent to them all of the information possible concerning the issue. I filed a request to continue the dispute, see attached exhibit 4. On XX/XX/XXXX they sent to me the exact same form letter, " it lacks all of the previously requested information ''. I not only explained my dispute to the customer service representative, I filled out the form completely, and I sent them 3 pictures of the plain cardboard box that the spoiled meat arrived in. What responsible company sends {$460.00}. of meat in a plain, uninsulated box.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC (SC)

A consumer may exercise the right to opt out at any time. I requested to opt out of the transaction history being reported to my consumer report. I requested in writing and via phone over 4months ago. According to 15 USC 1681 602 states there is a need to insure that consumer reporting agencies exercise responsibilities with fairness, impartiality and a respect for the consumers right to privacy and according to the privacy act 1974 I have right to privacy and at this time my privacy is being violated.
Consumer complaint received 2024-05-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TSC Accounts Receivable Solutions (CA)

I reviewed collection on my credit report from TSC Account Receivable that I owed XXXX XXXX XXXX XXXX  from a stay back in XXXX. I made 3 payments to TSC before I knew I had a right to ask for verification that the debt was indeed correct since I had health insurance which should have covered my stay at Cornerstone. TSC did send me a bill from XXXX. I thought the bill was legitimate until I contacted the billing department of XXXX ( the medical facility ) and they did not have me in the system as a patient with a balance owed. I then tried to get the debt removed because there is no records of money owed from the actual medical facility. TSC informed me that because I already made 3 payments and have kept in contact they were going to pursue the debt no matter if it is incorrect.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC (MI)

On XXXX XXXX. I received XXXX credit alerts from XXXX, XXXX, and XXXX that I took out a loan on XX/XX/2024 for {$1000.00} at XXXX XXXX This debt was was sent to a collection agency XXXX XXXX XXXX. 
I have NEVER taken out a loan to this company, nor do I use Any payday loans. This debt isnt NOT mine. I called XXXX yesterday their office was closed. This is VERY alarming that Check Mart would send information to XXXX without doing their Due-Diligence by making sure all Information was correct. Both companies have VIOLATED the Truth In Lending Act, And please explain how a 3rd Party collection agency can report to the Credit Bureau. Consumers has 30 days to dispute the debt and be provided proof that the debt is valid.. 

That CLEARLY didnt happen! That is Clear Violation of FDCPA, and FRCA Especially when you have the WRONG person, and affecting someone Credit Score. To add insult to injury Im going through a background check for a higher job Clearance. This could totally DERAIL my ability to get that position. So I have to XXXX my Time to get this all straightened out. And let my employer know. Because Both of these companies have been negligent. If this details my career in Anyway I will be seeking legal advice in terms of a Civil suit. Im trusting this matter will be handled expeditiously!
Consumer complaint received 2024-06-17
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: Experian Information Solutions Inc. (GA)

I have filed a Report with FTC ( REF # XXXX ), regarding the following unauthorized Inquiries on my Consumer Report. 
15 U.S. Code 1681 b - Permissible purposes of consumer reports I did not give verbal or written permission for my information to be shared with Credit Reporting Agencies, this is violating my rights as a Consumer. 
The following XXXX XXXX ran XX/XX/year>, HARD INQUIRY XXXX XXXX XXXX ran XX/XX/year>, HARD XXXX XXXXXXXX XXXX XXXX ran XX/XX/year>, HARD INQUIRY Thank You,
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I hope this letter reaches you in good health. I am writing to request specific information concerning the method of verification utilized by Equifax in reporting bankruptcy information. 

Upon recently receiving information from your database indicating a bankruptcy entry on my consumer report, I am seeking clarification regarding the procedures and methods employed by Equifax to verify and validate such bankruptcy information. 

I kindly ask for the following details : The specific procedures and methods used by Equifax to verify bankruptcy information. 
Any documents or criteria utilized in the verification process. 
I recognize the significance of accurate and verified information within consumer reports and am keen to ensure the integrity of the data associated with my profile. 

I kindly request your response to this inquiry within 15 days from the date of receipt of this letter. Your cooperation in providing these details is essential in addressing and resolving any discrepancies related to my consumer report. 

Should there be any specific forms or additional information required to facilitate this request, please do not hesitate to inform me. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in providing the necessary information within the stipulated timeframe.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (OR)

During the months of XXXX and XXXX of XXXX, XXXX illegally accessed my Lexis-Nexis XXXX report XXXX  times with a hard inquiry. The dates were the XXXX, XXXX ( on which XXXX requests occurred ), XXXX, and XXXX ( XXXX requests ) of XXXX, and the XXXX ( XXXX requests ), XXXX, XXXX, XXXX, and XXXX of XXXX. I did not apply for credit or insurance on those dates, and in any case, XXXX is not a lending agency or insurance company -- meaning that the ultimate recipient of my report information was never provided to me. I disputed the information with Lexis Nexis in XXXX of XXXX  which removed the inquiries. I called XXXX and the customer service agent had no knowledge of these inquiries. During the dispute with Lexis Nexis, they failed to provide me documentation of the results of the dispute on a claim I failed to authenticate my identification. I mailed the identifying documentation requested via certified mail on the XXXX of XXXX, XXXX. It was delivered on XX/XX/XXXX. I have not yet received a response.
Consumer complaint received 2024-02-26
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-26
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. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-26
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. (NC)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXXXXXXBalance : {$0.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXXBalance : {$2600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} 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