davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

Mohela states they refunded XX/XX/XXXX payment on XX/XX/XXXX. I have yet to receive the money. I have asked repeatedly for proof of the refund and have not gotten accurate proof that a refund even occurred. The amount is {$1700.00}. 

Mohela has sent letters stating inaccurate amount such as {$680.00} refund was processed. This is absolutely ridiculous, as that is not even the amount of my monthly payment. 

Where is my money, Mohela?!
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

NAVY FEDERAL IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT BY ILLEGALLY REPORTING DEBT THAT WAS SOLD TO XXXX XXXX XXXX XXXX XXXX, A DEBT COLLECTION AGENCY. 
A LETTER WAS SENT TO NAVY FEDERAL TO CEASE REPORTING AND NAVY FEDERAL IS CONTINOUSLY REPORTING INACCURATE INFORMATION.
Consumer complaint received 2023-01-02
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. (DC)

Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to clearly and accurately disclose all information in my file at the time of this request. Please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. By law, unverifiable accounts must be removed. The accounts listed below are not mine. They each are associated with inaccurate personal information. Please remove them from my credit profile and credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I previously contacted Experian about my credit inquiries. Now, two that were business inquiries are reporting on my personal credit report, which is not supposed to happen. The inquiries are from XXXX XXXX ( from XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX ). At this time, the inquiries have not been removed as requested.
Consumer complaint received 2021-01-21
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: JPMORGAN CHASE & CO. (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquired on XX/XX/XXXX, US SM BUS ADMIN ODA Inquired on XX/XX/XXXX, JPMCB CARD Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2023-01-02
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I received a letter from SPS telling me they were increasing my payment by {$260.00} a month. I called and spoke to them and they said the federal government passed a respa law that allowed them to collect 2 months of upfront impounds along with any shortage within a 12 month period. 

I am asking for a copy of the RESPA law that says they can collect 2 months of impounds from me when I have been in the loan for over 20 years. I also want something that shows they can collect funds within a 12 month period. 

I would like a 2 year history from the lender.
Consumer complaint received 2023-06-07
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. (FL)

I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXXXXXX XXXX  ) : Account Number : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I wasn't late. 
Thank You
Consumer complaint received 2023-01-02
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: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-02
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: EQUIFAX, INC. (MD)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-29
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. (CA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD 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 If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true XXXX accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am XXXX XXXX and Im submitting this complaint myself and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer and natural person, checked my credit report today on XX/XX/2023 and discovered that TRANSUNION placed a fraud alert on my credit report without my consent.
Consumer complaint received 2023-01-02
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (NM)

I was told that my payment card should have been done in the onboarding process, and it was not. 
Between XX/XX/XXXX XXXX, XXXX, I contacted the area handling the card issuance, and I was told that my information had never been sent to them by Conduent, who referred me to HR. When I asked for HR Contact info for this, My Trainers manager had my trainer tell me that my first paycheck would be a paper check then I would receive the Pay Card the following week. The XXXX XXXX has never shown up at all. Paydays were XX/XX/2022, XX/XX/2022, and XX/XX/2022. 
The XXXX XXXX by Conduent is an outright lie by the company. 
After filing many complaints with Federal Agencies, I finally received paperwork for the cancellation of a check Due XX/XX/2022, and I sent that back as per request. 
It is now XX/XX/2022, and I still have not received my pay card or paycheck due XX/XX/2022. 
If Conduent has no regard for Federal Employment Law, what keeps them from picking and choosing which federal laws to follow and which to ignore in working Fraud and Fraud Prevention on the Government Contracts they have? Such as Reg E or any other Federal Law concerning their Government Contracts?
Consumer complaint received 2023-01-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's been more than 60 days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately ACCOUNT : XXXXXXXX XXXX XXXXXXXX ACCOUNT : XXXX XXXX XXXX  XXXX ACCOUNT : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2019
Consumer complaint received 2023-06-08
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. (CT)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX
Consumer complaint received 2023-01-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

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 2021-01-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One is reporting an erroneous account on my credit reports with XXXX, XXXX, and XXXX. I have attempted to dispute the account with the credit bureaus along with Capital One directly but they have ignored my request. This is a violation of the Fair Credit Reporting Act and I demand the account be removed because of this. I have attached the latest letter sent to Capital One along with the Certified mail slip confirming that Capital One received my letter. 

CM to Cap One XXXX
Consumer complaint received 2017-05-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (OH)

First off I would like to thank you for sharing and letting Chase bank correct all there Legal mistakes along with all the other pretender lenders .my property was in a trust    XXXX   workflow  ID  XXXX   XXXX   XXXX  A ET AL  XXXX   XXXX  TRANSFER FR.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  CO TRUSTEES  XX/XX/XXXX  SPLIT FR  XXXX  CASE NO.  XXXX  FRAUD ON   XXXX   XXXX  , BECAUSE OF YOUR ACTION CHASE ENTERED FRABRACATED DOCUMENTS WITH THE STARK COUNTRY RECORDERS  XXXX  RELEASE OF MORTGAGE  XXXX   XXXX   XXXX    XXXX   NOW FIRST FRAUD THANKS TO YOU  XXXX  SATISFACTION OF MORTGAGE  XXXX   XXXX   XXXX  have a case in  XXXX   XXXX  OHIO  XXXX  MAYBE YOU COULD DO SOMETHING FOR THOSE WHO HAVE SUFFERED BY YOUR ACTION
Consumer complaint received 2023-06-07
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681 Section 602 A. States I have 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 written instructions
Consumer complaint received 2023-02-13
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: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-02
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. (MO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX  breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2017-07-18
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. (AL)

I am in the process of looking to buy a home. This is why I pulled my Credit Report. I could not believe the information I found. There are several loans and accounts on my report that I have no knowledge of and I contacted each creditor and have not been successful in removing these items, the reps were rude and told me even if I had  no    XXXX   XXXX   is reporting  XXXX  times as well. These are not my accounts! And I will not rest until I get results. This is preventing me from getting a home and I feel it is very unfair to have to pay for something I did not do nor had any knowledge of. These accounts are reporting in error. Please help me to resolve this,
Consumer complaint received 2023-01-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (MS)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. Mississippi Statute of Limitations MCA 15-1-29 & MCA 15-1-31 states that limitations to collect a debt is 3 years. XXXX XXXX has passed the statue of limitations to collect the debt. The statue started with XXXX with the date of XX/XX/2018 and refuse to show me a bill of rights sale. Then XXXX XXXX changed the dates to collect and has not validated the debt. These companies has refused to remove these accounts from the last 2 years. XXXX has hired an attorney XXXX XXXX XXXX and both request compensation for a debt that has passed statue of limitations as well as never validating the debt. 
I did not receive a notice before the summons as well. They lack standing to collect the alleged debt. They violated the 15 USC 1692 which states There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy and 15 USC 6802 which states Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
Consumer complaint received 2021-12-23
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: Experian Information Solutions Inc. (GA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2023-01-02
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: Experian Information Solutions Inc. (PA)

According to 15 usc 1681s-2 ( a ) ( 1 ) ( a ) it states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows it has any reason to believe the information is inaccurate. Experian is reporting this account as a charge off. By law a charge off is considered income ; Therefore income is not supposed to be be reported on a consumer report. This is invading privacy. Experian Remove this account listed under XXXX XXXX XXXX immediately. I am demanding you to do so.
Consumer complaint received 2023-01-02
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

CAPITAL ONE AUTO FINANCE REPORTED ON MY ACCOUNT AND TO CREDIT REPORTING AGENCIES ON XX/XX/2021 THAT I WAS PAST DUE 30 DAYS.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

According to 15 USC 1681 E ( B ). I am entitled to an accurate consumer report. I have disputed these accounts numerous of time and they return as verified. Now, In the State of Georgia the Statute of limitations on a written contract in the State of Georgia is 6 years. Both of these account must be removed off my consumer report immediately. XXXX XXXX XXXX XXXX XXXX {$2500.00} high balance. XXXX XXXX owed {$1300.00}. This account must be Deleted immediately. I will file for remedy for reporting inaccurate information on my consumer report.