davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Securus J Holdings, LLC (TX)

I woke up today Saturday XXXX to discuss someone named JPAY some prison related company used my XXXX debit card without my knowledge or consent. {$310.00} was taken out of my account illegally. I have filed a verbal and formal CASE with XXXX. I have researched and see CFPB has had previous complaints - lawsuit against JPAY. Either way, the transaction was fraudulent.
Consumer complaint received 2024-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I have thoroughly reviewed my records, and I can confirm that I have never had any dealings or financial obligations with XXXX XXXX XXXX or the reported account. This inaccurate reporting is not only misleading but also adversely affecting my creditworthiness, which has significant implications for my financial standing and opportunities. 
I've disputed the validation of debt with XXXX XXXX XXXX they have failed to provide proper documentation. 
Under the Fair Credit Reporting Act ( FCRA ), it is your legal obligation as a consumer reporting agency to ensure the accuracy and integrity of the information you report. Section 611 of the FCRA grants me the right to dispute any inaccurate information on my credit report and request its prompt investigation.
Consumer complaint received 2022-11-08
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. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more than 68 times nonstop this is exhausting they are not putting these fraudulent inquiries in dispute and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help
Consumer complaint received 2023-10-10
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: CAPITAL ONE FINANCIAL CORPORATION (OR)

XXXX Inquiry : XXXX XXXX XXXX  + Miscellaneous XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal ( XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX XXXX GREAT AMERICAN XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX CAPITAL ONE Inquiry : XXXX XXXX XXXX  + Bank ( XXXX ) XXXX CAPITAL ONE AUTO FINANCE Inquiry : XXXX XXXX XXXX I did not authorize any of these inquiries.
Consumer complaint received 2023-10-10
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: CORELOGIC INC (OR)

I didnt authorize any of these inquiries : XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX CREDCO Inquiry : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX + Television & Radio CREDCO Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Unions XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX + All Banks XXXX  Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been dealing with this issue for years, I think I am a victim of ID Theft. I have limited credit and someone is continuing to send my information into Bankruptcy court. Again I have no reason to file BK because I do not have any debt on my credit report. I have contacted XXXX XXXX and they informed me that no record of XXXX XXXX XXXX on my report. I was informed to inquiry with XXXX and XXXX. Also I checked with Trans Union and they informed that public record information comes from XXXX. I then contacted XXXX and was told that Trans Union does the reporting of public records ie BK 's not XXXX At this point no one is able to verify these are accurate and is unwilling to provide me with help. These are the Bankruptcy Cases I want to be removed, it is not a reflection of my character. I want XXXX, Trans Union and XXXX to remove these cases from my credit profile. 

XXXX XXXX case # XXXX date : XXXX XXXX XXXX case # XXXX date : XXXX XXXX XXXX case # XXXX date : XXXX XXXX XXXX case # XXXX date : XXXX XXXX XXXX case # XXXX date : XXXX XXXX XXXX case # XXXX date : XXXX XXXX XXXX case # XXXX date : XXXX
Consumer complaint received 2022-11-08
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: Experian Information Solutions Inc. (TX)

I have a XXXX balance late account from XXXX XXXX I never opened an account with them. experian says its a prepaid card. I need it removed from my credit on experian This account was never mine. I have disputed it with XXXX XXXX  several times and they wont remove it.
Consumer complaint received 2022-11-08
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. Below are the accounts that need to be removed : XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX Balance : {$360.00} XXXX  XXXX XXXX Balance : {$650.00}
Consumer complaint received 2023-09-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Brown and Joseph, Ltd (FL)

I received communication from my XX/XX/XXXXXXXX insurance that they overpaid me when I had a 'return to work ' established. 

The complaint is that I had numerous attempts to contact XXXX XXXX when my return to work date was approaching. 
I left voice mails/sent emails on numerous occasions with the date of my return to work. 

I had no return call or email that notified me they received this information I submitted. 

When I returned tor work XXXX XXXX, I received a letter from XXXX XXXX that they overpaid me by {$980.00}. 

I have to admit I did not respond until this past week as our family had a traumatic incident and almost lost my husband. I did respond just this past week ( Called XXXX and spoke with " XXXX '' who stated that I have a case worker " XXXX XXXX '' who will be reaching out to me ASAP. I explained email is my best contact ( XXXX ). I would like to try to set up some type of payment plan as paying {$980.00} at one time is quite a bit and would like to try to try to set up some type of payment arrangements. 
I have not heard back from " XXXX XXXX '' at XXXX XXXX as of yet. I do not want this balance to go into collections as this issue could have been resolved earlier if I would have had better communication with XXXX XXXX when I tried NUMEROUS times to give them my 'back to work date ' and no communication back to me that they even received all of my messages. 
If there is any assistance you can provide or send me in the right direction, I would greatly appreciate it. 
Thank you, XXXX XXXX
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

XXXX transactions using my card, PIN, account number, and routing number were executed while I was at work. Camera footage reveals my whereabouts and activities as well as the perpetrator at the time. This case is very straightforward and apparently my money isn't safe with Chase even with a new account. I was promosed a thorough investigation when I just want my hard earned money back. They never catch these perpetrators no matter how brazen.
Consumer complaint received 2023-07-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

I received emails to my personal email address on XX/XX/23 about a Citizens Bank application that I did not submit. I called Citizens Bank that day to request information, and the representative searched for accounts using my social security number. She told me there were no open accounts and to disregard the emails. 

I kept receiving emails, so I contacted them via Chat and they told me there was an open account now. They would not close the account because my mailing address is different than the one I have on file. I explained that the fraudster likely used a fake mailing address.
Consumer complaint received 2020-07-30
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: E Mortgage Capital, Inc. (CA)

I have two loans on my mortgage. the second one has 7.5 percent interest charge. i talked to E Mortgage Capital XXXX XXXX Mortgage Loan Officer / Broker and he told me that i can combine both of them with 2.999 percent. i submit all the documents and after one or two weeks Mr. XXXX XXXX XXXX. XXXX, E Mortgage Capital send me an email which Congratulations, your loan has been approved! If you could please gather the list of items mentioned below we can get final sign off and move forward with issuing loan documents and they send me phone number for an appraisal which he charge my credit card for {$460.00}. Today mr. XXXX XXXX send me an email which I am very sorry to inform you that the lender has declined the loan to refinance both loans due to the high loan to value. I will call you as well to discuss.we talk to each other and i asked him who is responsible for {$460.00} charge and he is telling me you. i called to my credit card company and dispute the charge.
Consumer complaint received 2022-11-08
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-23
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-12
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. (TN)

This is my 1st request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : {$1500.00} 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
Consumer complaint received 2024-03-23
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
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 # XXXX, XXXXXXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX Fin Account XXXX XXXX, XXXX  Account # XXXX, XXXX XXXX  Svc Account # XXXX, XXXX XXXX Bank Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
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: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (FL)

On XX/XX/XXXX, I submitted CFPB complaint number XXXX. On XX/XX/XXXX, Mohela provided a response that did not specifically address my complaints and included blatantly false information. 

Mohela is either grossly incompetent in managing the dates of correspondence, requests and actions, or blatantly dishonest. Either scenario is unacceptable. 

My feedback on the response is as follows : The response is not accurate. Information the company provided about the SAVE plan is accurate NOW, but is not accurate as of the time I submitted the application. Since the time of the application, I have refinanced a significant amount of my loans. It is also not the servicer 's job to decide which repayment plan is best for me. Further, the complaint was about the fact that a forbearance was placed even though I did not request forbearance. The servicer states that the forbearance was removed as of XX/XX/XXXX but that is false. In fact, this complaint was submitted on XX/XX/XXXX and the forbearance was not lifted at that time. It has since been lifted, so this point is moot, other than Mohela 's lack of timely response and either their blatant dishonesty or their lack of competence around the timeline. 

Mohela states that payment instructions were submitted on XX/XX/XXXX. This is also blatantly false as evidenced by the correspondence I attached to the original complaint. Payment instructions were submitted on XXXX and as of XXXX, still have not been applied.
Consumer complaint received 2023-08-19
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)

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

I checked my Equifax credit report and found some unauthorized inquiries on my credit report. I reached out to the companies and they didn't have any information on why the inquiries were filed on my report. Then I reached out to Equifax to correct my report and they said I have to file a report with the FTC. the FTC referred me to go to the cfpb because they are responsible for credit reporting fraud. I would like these inquiries removed off of my report immediately. 

XXXX. XXXX BANK XX/XX/2022 XXXX. XXXX XX/XX/2022 2022