davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-04
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 (MA)

MOHELA has had my loan portfolio, including my XXXX  forms, since XXXX. I can not get them to give me an updated payment count. They told me in XXXX it would update in a month and it didn't. XXXX and XXXX have passed by and it hasn't updated. 

I spoke to an agent today and they said it would be another 90 days. I told them that wasn't acceptable as they've had all of my documentation since XXXX and I need to know my qualified payment count for planning purposes around my employment and getting married for tax purposes. They said they'd transfer me to a " supervisor '' but I was put on hold and no one picked up the phone.
Consumer complaint received 2023-12-06
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. (NJ)

XXXX XXXXXXXX XXXX furnished an account that does not belong to me. When i reached out to get more information about the false report they threatened to sue me if they dont receive the funds to this account. Now I have reason to believe that this account was fraudulent and its impacting my consumer report and credit score.
Consumer complaint received 2018-08-28
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)

XXXX Please reopen this case. XXXX closed it before they even received my documents/ proof. 
Please see the attachment. 
The dates do not match, I did not sign this or have it notarized ... The entire thing paints a clear picture of forgery and fraud. 

This is not my signiture, I sent your company proof that it COULD NOT be my signature ( as I was out of the country on federal government work ). 
Also, you have not addressed why my credit report now shows Im on a New 40 YEAR mortgage with my ex-wife. 
I need any and all paperwork regarding this.
Consumer complaint received 2023-11-17
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. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-11
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: EQUIFAX, INC. (CA)

I noticed inquiries that I do not recognize and believe to be fraudulent. 

See below : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 -- -Equifax -- XXXX XXXX - XX/XX/2022
Consumer complaint received 2023-08-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CO)

Chase Bank refunded and the sent back an ACH transfer for an overcharged amount. 

I disputed a transfer to XXXX XXXX XXXX for a breach of contract, warranty of habitability and retaliation issue. The bank has said they only cover overcharge issues, but did not contact me for the information related to my claim. 

No forms were mailed to me as was mentioned by phone on two separate disputes. 

The fees are an overcharge, but this claim was filed incorrectly by the agent on the phone. I had pay rent in full and left the property. There was a number of fraudulent charges added to the account the funds were sent to. The money sent was not being applied to any balance owed over fees were placed on the ledger. 
I view this as a fraudulent, but under the banks terms this should fulfill an overcharge claim. 
They've chosen to file the claim as a breach of contract and ignore this issue.
Consumer complaint received 2023-04-25
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. (OH)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2022-11-08
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account US Dept ED # XXXX, Account # XXXX, # XXXX, XXXX XXXX # XXXX, XXXX Self-Reported # XXXX, XXXX SELF-REPORTED # 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 an account without my written instructions.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently began looking into moving and I noticed inaccurate information on my report I began reaching out to XXXX & TransUnion to get this information updated/ changed/ Deleted with no success or response Im hoping this complaint can get something resolved
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft I have provided all requested documentation to have all listed items REMOVED from all credit bureaus immediately as a victim of indentity theft. I demand the removal of ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-29
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: Security Credit Services, LLC (TX)

Company thats reporting incorrect information : Security credit services securitycreditservicesllcXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Contacted dates XX/XX/2024 XXXX The lady hung up on me after being rude and telling me she hears these complaints all day. 

XX/XX/2024 XXXX i called XX/XX/2024 XXXX i called XX/XX/2024 XXXX i called XX/XX/2024 XXXX i called XX/XX/2024 XXXX i called XX/XX/2024 XXXX i called XX/XX/2024 XXXX i called I already sent letters explaining being a identity victim
Consumer complaint received 2024-01-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NC)

On my latest American Express statement I noticed my card renewed and an annual fee was charged. I contacted American Express today to cancel my card and refund annual fee. I had to ask multiple times to cancel the card. I was then told the fee would not be refunded since it had been more than 30 days. Amex offered multiple offers to keep my account open but they all required agreeing to not close the account for 12 months resulting in an additional yearly fee. I asked to speak to a supervisor and requested a formal complaint be open for deceptive practices. I then asked to speak to their manager to confirm the complaint. The manager stated there would be no follow up since my compliant was marked internal. I reiterated my concerns 1. By the time a customer realizes there is a fee its too late to cancel.

2. There is no way to stop/turn off the auto renewal.

3. American Express does not follow up with customers who file formal complaints for deceptive practices and/or policies.

Representative told me they could not email chat but to reference ID i.e. XXXX
Consumer complaint received 2024-04-12
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: EQUIFAX, INC. (NY)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2024-01-27
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 (UT)

XXXX XXXX Capital One employee in fraud asstance not speaking clear about transaction with my Credit card.Capital one Walmart rewards MasterCard credit card..I mentioned to the employee about charge.She said i get XXXX in temporary credit on my card with in 2 -5 days? Well its here it is XXXX XXXX my balance i owe is XXXX  and Available is XXXX} with XXXX credit limit?? Well i never got my refunded back from Wal-Mart XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Utah XXXX is where i shopping at and paid them with my Credit card i got approved .Item been returned on XXXX XXXX and they said i must wait 10days for refunded.They ship with XXXX  to Ohio..When they get it i must wait more days about 10days, and my receipt has something wrong i mentioned at Wal-Mart, the refunded going on wrong credit card its not mine last 4digits XXXX, ..It was not used for purchasing my last 4digits XXXX, and my refunded should be credit to card.As of today its XXXX XXXX my purchase item is sitting in XXXX XXXX XXXX, Utah since XXXX XXXX and it is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  is sitting on our returned item.Capital one supposed give my refunded back over 17days ago credit to my account, i check today XXXX XXXX not available yet.
Consumer complaint received 2023-10-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (NC)

On XX/XX/2023, my credit report was obtained and was used to apply to multiple creditors. Someone broke into my car and stole all of my items including personal bank cards, id and social security. My credit has had a fraud alert on it to not be obtained and the companies still went against my credit protection and faulted me for a debt that was not mine. I have been in military training and have no way of applying to anything.
Consumer complaint received 2023-11-16
Product: Credit reporting 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)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to dispute the following information that appears on my Equifax consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated unde

r 15U.S.C 1681 Section 602 A. Section I has the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : I
t also states that a consumer reporting agency can not furnish an account without my written instructions. 

Account : XXXX XXXX XXXX
Consumer complaint received 2023-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2018-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (MI)

Recently, my mortgage was sold from XXXX XXXX to Home Point Financial ( despite similar names, there is apparently no connection to one another ). After having received notification that my mortgage was sold, I immediately went online to create an account and added the necessary information for automatic, recurring monthly payments to be made. Shortly thereafter, I received a letter from Home Point stating that they had a system glitch which accidentally reported to the credit bureaus that I was late on a mortgage payment. When I called for explanation, I was assured that it was taken care of, and that I would not be negatively affected in any way. Not long after this incident, I started receiving threatening letters claiming that I had neither personal property insurance or insurance for my condominium association at large ( both of which I indeed had ). Upon receiving this letter, I called and was instructed that during the process of aquiring my loan, it was my responsibility to provide proof of insurance. Immediately, I sent the proof of insurance both for myself and for the condominium association ( which was not easy to obtain ). A month later, I received another threatening letter stating that because of my failure to provide proof of insurance ( which I had indeed sent over the month prior ), the mortgage company would purchase insurance on my behalf, which would amount to {$23000.00} annually ( as seen in attached document ). Completely distraught over what I was reading, I called Home Point Financial the same day I received the letter, XX/XX/XXXX, and spoke to an employee whose name is XXXX XXXX ( according to another employee with whom I later spoke ). This employee very rudely and harshly exclaimed that I had not sent over the proper documents ( though it was later confirmed that I did, in fact ), and that she would correct the situation after I re-sent the updated insurance documents. Despite having sent over ( now multiple times ) proof of my personal home owners insurance and proof of the condo insurance policy, on XX/XX/2018, but dated XX/XX/XXXX ( just two days after having spoke to XXXX XXXX and sending once again all applicable documentation ), I received a letter stating that the company went forward with purchasing an insurance policy in the amount of {>= $1,000,000} in my name without any written or oral consent or knowledge on my part ( as seen in attached document ). Once again, I called Home Point financial, this time speaking with an employee named XXXX, who apologized and assured me that this policy, which was taken out in error, would be cancelled. On top of this entire debacle, XXXX informed me that Home Point did not properly notate ( upon purchasing my mortgage ) that my loan is indeed set up for Escrow payments, now causing my property taxes and home owners insurance policy payments to be delinquent.
Consumer complaint received 2023-11-16
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. (NY)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I HAVE NEVER BEEN LATE WITH XXXX XXXX XXXX. THEY ARE SHOWING XXXX AND XXXX 2024 LATE PAYMENT. THIS INFORMATION IS INACCURATE.
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NV)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.