davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I gave my credit card number to a moving company for a deposit for a move. When I was alerted that the charge had come through it was for a different amount and the company name was different than who I gave my card number to. I called the moving company immediately to question why this charge was coming through under a different name. The answer that they gave me was fishy so I asked for a refund and to cancel the move reservation, they refused. I called Capital One immediately and disputed the charge as well as cancelling the card I had given to the moving company. The moving company responded to the dispute with fraudulent documents claiming that I had e-signed and therefore agreed to a cancellation policy. I sent numerous documents proving that I had never received the fabricated documents. I also sent proof that the IP address as " proof of e-signature '' was not my IP address. Capital One would not resolve this dispute saying that " they were not able to review the evidence under Mastercard guidelines ''. I was told by a Capital One representative that the moving company knew these guidelines and therefore submitted fraudulent documents knowing that Capital one would not review any evidence that I provided. I was told by a dispute representative that '' if you give your cc number over the phone you are not protected and are essentially consenting to any and all charges that a company may charge '' This is absolutely sickening, what if this company had charged XXXX and then submitted fraudulent documents backing it up? Capital One would do nothing? I feel that Capital One is complicit in these scams by merchants. Shame on them ....
Consumer complaint received 2021-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates (OH)

Received notification through XXXX XXXX that there was a collection amount of {$990.00} owed to a collection agency, MBA Law. I also received a letter in the mail from MBA Law stating the collection amount but no information provided as to where this came from. 

The original creditor name was XXXX XXXX, a hospital I have never been to and is only affiliated with two hospitals in the state of Ohio, the city of XXXX and the city of XXXX ( all other locations are not in Ohio ). I live in XXXX, Ohio and both of these hospitals are much further than my local XXXX hospital ( where I always go to if need be ). I have not been to the hospital at all this year and with COVID going on I chose to visit my local urgent cares if I had to. Since I do not have health insurance I paid upfront for every visit at a local urgent care. 

Since this has been turned over to MBA Law my credit score has decreased significantly over this. I have had a credit score of XXXX and above on XXXX, XXXX  and XXXX since I have established credit. 

Again, I have not been to a hospital at all this year and I am completely baffled how I have a hospital bill from XX/XX/21.
Consumer complaint received 2021-07-30
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. (DC)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-07-30
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-30
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. (MO)

My idenity has been compromised and now looking at my credit file, I see a lot of accounts on there thats unfamiliar, unknown and unauthorized by me. So these following accounts are fraudently placed on my report. Im demanding these accounts be removed immediately. 

1. Acct XXXX XXXX {$170.00} 2. Acct. XXXX XXXX {$170.00} 3. XXXX XXXX XXXX - XXXX 4. XXXX XXXX {$2100.00} 5. XXXX XXXX {$2100.00} 6. XXXX XXXX {$790.00} 7. XXXX {$180.00} 8. XXXX {$370.00} 9. XXXX XXXX XXXX  {$800.00} 10. XXXX XXXX {$710.00} 11. XXXX XXXX {$2100.00}
Consumer complaint received 2021-07-30
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. (MO)

My idenity has been compromised and now looking at my credit file, I see a lot of accounts on there thats unfamiliar, unknown and unauthorized by me. So these following accounts are fraudently placed on my report. Im demanding these accounts be removed immediately.

1. XXXX XXXX XXXX {$170.00} 2. XXXX XXXX XXXX {$170.00} 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2100.00} 5. XXXX XXXX {$2100.00} 6. XXXX XXXXd {$790.00} 7. XXXX {$180.00} 8. XXXX {$370.00} 9. XXXX XXXX XXXX {$800.00} 10. XXXX XXXX {$710.00} 11. XXXX XXXX {$2100.00}
Consumer complaint received 2024-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

Tonight, XX/XX/XXXX at XXXXXXXX XXXX., I received an email from Mohela alerting me that I was past due on my student loan payment ( attached ). This is the first time I was notified that I even had a payment due let alone that I was now past due. 

I logged into my Mohela account to make sure I did not miss anything. I looked at the loan information for both loans, and they both said I was past due and that my next payment is expected on XX/XX/XXXX, in the amount of {$260.00} ( {$130.00} for the current payment and {$130.00} past due ). I went to my messages in the website and saw a letter from Mohela telling me I was past due. The letter was dated XX/XX/XXXX. Mohela waited over 24 hours to even send me the email to let me know my account was passed due. What kind of business practice is that? 

Mohela never notified me of my SAVE application being approved ( applied in XX/XX/XXXX ), nor did they notify me that I would be taken off the administrative forbearance they put me on to process my SAVE application in XXXX ( CFPB complaint filed ), nor did they notify me of payment due on XX/XX/XXXX. In fact, on Mohela 's website, it states they are required to notify me 21 days before my bill is due. This never happened. 

As you can see by the documents I attached, Mohela hasn't sent me any letters or emails about a payment being due. The notification for payment due should have been around XX/XX/XXXX, and in my messages for my account, there is nothing. I logged in just before the end of the year to see if there was any update on a payment date or information. There was nothing, confirming to me that Mohela did not update my account. 

Mohela has violated my consumer rights by failing to notify me of payment due and then emailing me at XXXXXXXX XXXX ( after business hours ) to let me know I am now LATE, after placing me on a forbearance without even telling me why. Plus, I can't call anyone at this business because wait times are four hours each time only to get an agent who can't answer any basic questions. Mohela can not legally report it late to the credit bureaus due to the Dept of Ed 's on-ramp policy for the COVID pause so if I see a notification that this occurred, I will be back to file one again. 

This is an unacceptable practice especially if they are supposed to be the " experts '' in servicing of federal student loans. The company can not even complete the correct tasks of bill notification or responding to complaints with the right information. Mohela should be held accountable and heavily fined for their inability to do their job correctly and efficiently. The sad part is my tax money is being sent to pay this company. They have exposed how predatory and corrupt the entire student loan system is. Mohela is nothing but a for-profit entity gobbling up free tax money and providing lousy services to the citizens. It's time to cancel ALL FEDERAL STUDENT LOAN DEBT.
Consumer complaint received 2021-07-30
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. (CA)

Called multiple times after submitting disputes for the same items involving identity theft. Uploaded multiple copies of FTC report obtained from from the Idtheft.gov website. Was told each time Experian was unable to validate the report. I explained that the report was downloaded from the correct website and then uploaded directly to Experian. Each time I was told to start the process all over again, do exactly what I had done before, hoping each time they were able to finally validate my dispute. I finally asked for a supervisor. She told me they had checked the report with the FTC and they said it wasnt a valid report! How could this be?! One of the reports was filed over the phone with them directly. I asked the supervisor if there was some way to figure out how to rectify the problem. She tells me to call the FTC, file another report, and do the exact same thing again. At this point I realize it would be best for me to contact the FTC and see if they can help me. I asked the supervisor for her name and employee number or some way to identify her. She tells me she put it in the internal notes of my file. I then explain that I would like the information for myself so that when I call and explain the situation to the FTC, I can tell them who I spoke with. The supervisor then advised me that if that was the case, she would no longer speak with me and hung up. Im still at a loss for words on just how bad the customer service was even from management.
Consumer complaint received 2021-07-30
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. (CA)

XXXX XXXX XXXX is reporting a fraudulent account XXXX {$270.00} on my credit files. I have filed a cfpb complaint against XXXX and uploaded the FTC Report # XXXX for their records. Also, attached is my license, utility bill, and ssn card to verify and process my block and delete request of this fraudulent account. There are fraudulent inquiries as well on TransUnion and XXXX  that are list in the FTC report. I have never had any business relationship with XXXX XXXX XXXX or the original creditor.
Consumer complaint received 2021-07-30
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: CCS Financial Services, Inc. (CA)

Credit Collection Services is reporting an account that is fraudulent to the credit bureaus. I do not owe money to their client XXXX. I have never owned a property in XXXX XXXX, CA that required services from XXXX. CCS, nor XXXX has never contacted me about said debt. This account is bogus.
Consumer complaint received 2021-07-30
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. (MO)

My idenity has been compromised and now looking at my credit file, I see a lot of accounts on there thats unfamiliar, unknown and unauthorized by me. So these following accounts are fraudently placed on my report. Im demanding these accounts be removed immediately. 

1. Acct XXXX XXXX {$170.00} 2. Acct. XXXX XXXX {$170.00} 3. XXXX XXXX XXXX - XXXX 4. XXXX XXXX {$2100.00} 5. XXXX XXXX {$2100.00} 6. XXXX XXXX {$790.00} 7. XXXX {$180.00} 8. XXXX {$370.00} 9. XXXX XXXX XXXX  {$800.00} 10. XXXX XXXX {$710.00} 11. XXXX XXXX {$2100.00}
Consumer complaint received 2021-07-30
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. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX XXXX BREACH AND XXXX HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-07-30
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other ( XXXX ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX, never gave you any written consent to include any of this information to my consumer report. 


XXXX XXXX, BEST B Inquiry : XXXX XXXX, 2020 As a consumer by law these inquiries on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state pursuant to XXXX XXXX XXXX, also Ive XXXX involved and sent this letter to the CFPB, attorneys general XXXX and the better business bureau and Federal Trade commission XXXX 

PLEASE MAIL ME AN UPDATED CREDIT REPORT SHOWING THE REMOVAL OF THESE INQUIRIES
Consumer complaint received 2021-07-30
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. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2024-03-19
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. (WI)

DESPITE MY PERSISTENT EFFORTS TO CONTEST THE INACCURACIES IN THE INFORMATION REPORTING IN EQUIFAX, XXXX AND XXXX, THE ISSUE REMAINS UNRESOLVED AS TO DATE. 

EQUIFAX REINSERTION OF PREVIUOSLY DELETED ACCOUNT : XXXX XXXX - XXXX XXXX XXXX The following personal information are incorrect : Incorrect DOB - 1991 - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - This in incorrect. 
Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX XXXX XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
This account is not mine : XXXX XXXX - XXXX XXXX XXXX The following personal information are incorrect : Incorrect Name - XXXX XXXX XXXX This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - This in incorrect. 
Please remove this immediately and only report accurate information. 
This account is not mine : XXXX XXXX - XXXX
Consumer complaint received 2021-07-30
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: JPMORGAN CHASE & CO. (PA)

on XX/XX/2021, i sent a letter to the creditor disputing an unauthorized inquiry made on my account. I would now like to take legal action if this fraudulent item isnt removed from my credit report because its having a major negative effect on my current score. The failure to provide investigation results after 60 deems violation of the fair credit reporting act and must now be removed. thank you for your help.
Consumer complaint received 2024-03-19
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. (IA)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

Bank Of America is reporting a negative balance of {$1100.00} debt on my credit reports which doesn't belong to me, first reported on XX/XX/2018, I've never opened an account with them.
Consumer complaint received 2024-01-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (WI)

XXXX I used PayPal via XXXX to pay {$150.00} for a purchase. Immediately after, I realized it was a fake account/scam. Then the person disappeared. Now I am receiving a collection request from XXXX XXXX XXXX Reference # XXXX, account # XXXX. When a person uses PayPal to pay a third party a question is supposed to come up asking if the payment is for Friends and Family or a transaction for a purchase that includes consumer protection. This question did not come up during my transaction. It automatically defaulted to Friends and Family which offers no consumer protection. This is a gap in the XXXX or PayPal system. I immediately reported this to PayPal and XXXX as well as my financial institution. Monies were moved from my accounts to create a XXXX balance for funding PayPal/XXXX but payment still processed leaving a negative balance in my PayPal account . I have since been blocked from using PayPal since the debt has not been settled. I have screenshots of this transaction and notes from my conversations.
Consumer complaint received 2021-07-30
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK (FL)

I applied at discover mortgage loan pre qualification online they told me they wouldnt run my credit they did I ended up getting a hard inquiry and not a soft pull they lied I called them they told me they couldn't remove it I asked them why they said they couldnt so I said I had to report it it must have been something along the lines of XXXX antagonists. Im trying to obtain an efficiency through my XXXX XXXX  or Section 8 on SSI