davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (WV)

On XX/XX/2023, I requested a refund of my payments made during COVID ( XXXX XXXX XXXX ). As you know, payments were suspended during the pandemic, but I chose to continue to pay as I did not want to lose any ground. I am a XXXX  and, eventually, I hope to have some or all of my loan forgiven. I found out that even if one did not pay during the pandemic, one could still have the credit for the time. I also found out that I could be refunded the money I paid in and keep the time. So, I called MOHELA and requested a refund. The amount would be around {$20000.00}. 

They asked a few questions and told me that I would get a check between 60 and 90 days. I did not receive my refund. I called again in XX/XX/2023. I sent an email in XXXX or XX/XX/2023 and called again. They claimed that they had processed the refund and it was in the hands of the Department of Treasury. 

I haven't yet received any money, but the amount owed was promptly ( in XXXX ) placed back on the account by MOHELA. 

Thank you for anything you can do for me.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-09-06
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. (GA)

XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX I challenge the accuracy, compliance and reportability of this listing.I contacted creditors and was informed that these accounts were not verified. 

There are no contracts, no valid claim ... accounts were settled with original creditors grave errorsfalse claim and reportingI want these accounts removed immediately or litigation may follow ... 
Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2024-03-21
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. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - Account XXXX : XXXX
Consumer complaint received 2024-03-21
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. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX - Account XXXX : XXXX
Consumer complaint received 2023-05-09
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. (GA)

I want to let the credit bureaus know that I was a victim of identity theft and that I want these bogus items that are the product of suspected identity theft removed from my credit report. Credit bureaus are obligated to REMOVE any items identified in identity theft in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Here is the list of things I wanted to get rid of, once more. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance : {$390.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$930.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$710.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX A ) XXXX Balance : {$610.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2018 I went to Chase bank to cash a check for {$14000.00}. Which was written by a chase customer. They told me they could not cash the check because the company had a check cashing limit and chase did as well. I was told that If I opened a checking account that I could have {$4500.00} that day and then the remaining balance would be released on wed the XXXX. After I opened the account the banker then told me that I could not have any funds that day that they would release the full amount on the XXXX. I was sent a debit card by XXXX  on the XXXX in which when I tried to activate the card they said the card was closed. I called Chase customer service and was transferred to the fraudulent service department and was told that my account had been closed for reasons they could not tell me. The lady told me that I could go to any branch and call the fraudulent service department let them know what branch I was at and they would contact that branch and release the funds to me. The following day I went in to the branch where I deposited the check spoke to the same lady that opened my account and she then told me that I could not have the money until the XXXX and I could pick up the funds at the bank that the check had to clear.I then called the party whom the check was written from and asked if they could void the check and write me a new one and they could not because they said the check had already been cashed.. I then called the fraudulent department to find out what was going on and they said that my account was being closed and that it took 10 days to close the account and that the funds would be released to me on the XXXX I then spoke to his supervisor who could not help me and asked to speak to her supervisor who then said he would try to contact the branch and request the funds to be released. He then said that they denied to release the funds and that a cashiers check would be overnighted to me and I should receive the check by the XXXX. This is unacceptable. They have stole my money and will not give it back. This has caused me so many problems is going to ruin my credit which I have been working on building for over a year and caused me hardship at home. Please help
Consumer complaint received 2023-05-09
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. (NY)

This is my formal complaint regarding identity theft that I experienced. According to Fair Credit Reporting Act Section 605B ( a ), credit bureaus are required to remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) the proper proof of the consumer 's identity, ( 2 ) a copy of an identity theft report, ( 3 ) the consumer 's identification of such information, and ( 4 ) a statement from the consumer that the information is unrelated to any transactions. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1800.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-09
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: EQUIFAX, INC. (NC)

This is my formal complaint regarding identity theft. According to Fair Credit Reporting Act Section 605B ( a ), credit bureaus must remove or block any items that were opened without my knowledge, consent, or authorization within 4 business days of receiving the following : ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is unrelated to any transactions by the consumer. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXXBalance : {$1700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX XXXXBalance : {$4800.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$800.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$4200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX XXXX  Bankruptcy Date XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. The information below is what I can see on my credit file with the partially protected account numbers. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( You are the only reporting agency showing this remark and all reports are to be identical. ) XXXX XXXX XXXX c/o ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ( You are the only reporting agency showing this remark and all reports are to be identical. ) XXXX XXXX XXXX c/o ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
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. (IL)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-04-05
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. (CA)

Hi im writing regarding some fraudulent account on my credit report.I tried to fix it with credit bureaus and creditors no luck credit reporting agencies come back after investigation as the " information is accurate and verified '' i sent an FTC report those accounts does not belong to me i did not give any authorization to anyone to use my personal information to apply for goods and services som personal information is also wrong.I will attach FTC report .FTC report number is XXXX
Consumer complaint received 2023-05-09
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX FM XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$750.00}, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc (CA)

I opened a checking account with XXXX XXXX XXXX XXXX on XX/XX/XXXX. I funded it with {$100.00} then on XX/XX/XXXX I deposited a cashier 's check for {$4000.00}. I waited and waited but never did receive my bank card. So, on XX/XX/XXXX, I called XXXX XXXX and they told me that they had sent out the card already. Then they told me that it had already been activated and used, all {$4100.00} had been withdrawn/spent. I filed a police report and filled out XXXX XXXX 's fraud paperwork. XXXX XXXX gave me a temporary credit, then they reversed themselves and said that I owed them {$4100.00}. They then sent me to a collections company called The Best Service Company. I sent them a copy of the police report. They then sent me a letter on XX/XX/XXXX stating : " Based on the information that you have provided, the original creditor and our company do not consider your dispute valid and therefore the collection process will continue ''.
Consumer complaint received 2023-04-26
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)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$6500.00}.
Consumer complaint received 2024-03-21
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. (NY)

I'm reporting a fraudulent account opened in my name. The auto loan comes up in my credit scores but I never opened a account with that company. They opened it in XX/XX/year>. 

These are the addresses of the person who stole my identity. It comes up on my credit score and they are not mine. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXXXXXX AV XXXX XXXX, NY XXXX. 

This is the company the person took my identity from. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (IA)

From XXXX to XXXX they kept freezing and unfreezing my account preventing me from accessing my money and they have told a bunch of lies. And closed my account and refused to give it back. They steal from XXXX people.
Consumer complaint received 2023-02-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NY)

Finally spoke to someone around XXXX named XXXX XXXX in tax department. He said he would have answer for us based off of our mortgage going back to normal by XX/XX/10. The company said my taxes went up XXXX but they did not that illegal! They would do another escrow analysis to show that it was just a tax payment not paid from previous owners!!! And they will have it fixed by XX/XX/10! No answers with this place .. spoke to XXXX today in tax department and all of the sudden I dont have authority to speak to them even though my husband and father gave them authorization once and added me yo the account. You get nowhere with them! They just take your money and dont care! Horrible customer service!!
Consumer complaint received 2023-05-09
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. (NY)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. 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. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$70.00} XXXX XXXX XXXX XXXX XXXX Balance : {$21.00} XXXX XXXX XXXX XXXXXXXX Balance : {$12.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10.00} XXXX XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$11.00} XXXX XXXX XXXX XXXXXXXX Balance : {$39.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$70.00} XXXX XXXX Balance : {$21.00} XXXX XXXX XXXX Balance : {$12.00} XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}