davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX. This account was never late XXXX XXXX Account XXXX : XXXX the following status incorrect and incomplete and its reporting inaccurate balances XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Mistaken Identity XXXX/XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX. This account is not in compliance per the FCRA due the reporting of unverified and Incomplete balances XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2019-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (VA)

On XX/XX/XXXX, I received health care services from a hospital provider and provided them with my proof of having two insurances, a primary and secondary. The hospital provider made copies of my two insurance cards front and back. When the claim for XXXX XX/XX/XXXX was sent to my primary insurance by the hospital provider, the total amount due was {$2200.00}. My primary insurance paid {$1200.00} on XX/XX/XXXX. This left a balance of {$310.00}. However, this hospital provider has refused to send a claim to my secondary insurance company which is XXXX. On XX/XX/XXXX, I sent this hospital providers billing department an email letting them know that I had spoken to XXXX and was aware that they did not submit a claim to XXXX. There was no direct response. On XX/XX/XXXX, I called this hospital providers billing department and spoke with XXXX regarding my balance and provided my secondary insurance information again. However, this hospital provider refused to bill my secondary insurance and took adverse action against me by having their collection agency, Aargon Agency Inc post that I owed the hospital provider {$300.00} on my consumer credit reports. I believe this unfair business practice by the hospital provider will have long-standing negative effects on my financial status and credit worthiness. I also believe they knew or should have known that XXXX would have discounted or paid the remaining balance off in full since I am a protected class.
Consumer complaint received 2020-05-12
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. (LA)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2020-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (WA)

I received a letter dated XX/XX/XXXX that my account was closed due to my " history of account usage ''. It was one of my oldest credit cards ( since XXXX! ) and I have always used it correctly and paid off the full balance each month. I had called the bank Barclay since then for more than 5x, inquiring the exact reason why they closed my account. But they were not able to give me a personal explanation, other than repeating that same phrase over and over again. When I googled it, I found many cases of account closure were cited with the exact same " reason ''. I'd like to contest the decision, not knowing why exactly my account was closed and not being able to defend myself in case of a gross misunderstanding. It's also a shady practice to choose to close my account at this particular difficult time. What a shame to be their loyal customer for 8 years!
Consumer complaint received 2021-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OR)

Last year I had an income based forbearance in effect due to expire XX/XX/XXXX. When the Trump administration delayed payments for everyone, only the interest accrual was affected & Navient sent a letter explaining how the interest would work and that was it. 

Since XX/XX/XXXX I've been getting harassing phone calls and emails from Navient demanding I either pay {$430.00} by XX/XX/XXXX or I reply " YES '' to an automatic economic hardship forbearance that will accrue interest to be added to my principal balance after the forbearance period is over ... which, according to them, will be in one month. 

According to the announcements made by the Biden admin and on Navient 's own website, I'm required to do nothing. The interest is supposed to be set at {$0.00} and payments voluntary, yet I'm being harassed daily to either pay or circumvent the 0 % interest guaranteed by Biden until XX/XX/XXXX by applying for this specific forbearance. 

I'm afraid to contact Navient at this point because I simply don't trust them. They are also trying to get me to pay " late fees '' that were forgiven by Sallie Mae in years prior, that suddenly popped up in XXXX. I've repeatedly asked for help with getting XXXX forgiveness only to be given " income driven '' deferment/forbearance instead. All of my loans are Government issued. I've never applied for private or school-sponsored lending.
Consumer complaint received 2022-07-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (AZ)

On thursday the XXXX of XXXX ally repossessed my vehicle with out any notice they refused to give me information to retrieve my personal belongings from said vehicle or even tell me where its located i have called to request said info multiple times with no success some of the items include a carseat XXXX XXXX tablet check book and other items
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIRST HORIZON BANK (TN)

My husband passed away in XXXX of this year. I went into the XXXX, Tennessee branch with my ID, his death certificate, our marriage certificate, and my birth certificate to prove my identity. I told them he had passed away and needed to close the account. They advised me that since I was not listed on the account, this request could not be processed, and they placed a block on his account. They have since depleted his checking account balance by charging monthly fees. This is their way of stealing the little money he had left. It should be illegal for them to do this. I went to the bank two times before this and changed his debit card and PIN. They never even ID me or blinked an eye that I wasn't on the account. Death is trauma alone ; I shouldn't have to be doing this to close an account. They shouldn't manipulate their clients by charging fees, so they don't have to give up the funds.
Consumer complaint received 2022-04-03
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. (NY)

in accordance with the fair credit reporters act. XXXX  account # 's below 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 a account without my written instructions. 

XXXX XXXX XXXX XXXX  XXXX account : XXXX XXXX. XXXXXXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account : XXXXXXXX XXXX XXXX XXXXccount : XXXX
Consumer complaint received 2020-05-12
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: National Credit Adjusters, LLC (WA)

This account that I am reporting was originally a short term payday loan I am a Washington State resident I went to Oregon state got a pay day loan for {$350.00} And some unexpected things happened and it wasn't paid then this account was added to my credit report which the original contract at that time did not state anything about Credit reporting the original company is called XXXX XXXX then just recently it was sold off to a company called NATIONAL CREDIT ADJUSTERS LLC This company never ever notified me of anything that they had purchased the account they never sent anything in the mail stating that they were going to add this account to my credit report there was no communications I had contacted XXXX XXXX collections department and asked them what happened and they referred me to the 3rd party company that has obtain the Debt And because of this tough time with covid19 Money is tight I had used Part of my stimulus money to pay this in full.. On XX/XX/XXXX it was paid in full Originally when I had contacted XXXX XXXX I had a verbal conversation and I told them if I was able to pay this account in full would they be able to contact the 3rd party debt collector and tell them to remove this off my credit report and they said yes but they said I have to contact national credit adjusters They referred me gave me the number I spoke to to people that day the 2nd person I had set up the payment it was processed and they have no other reason to report this on my credit report I have submitted multiple disputes and nothing has changed I have provided documentation to the credit bureaus supporting all the information is true that I gave from me contacting the original debt collector which was XXXX XXXX then they referred me to the other company to pay it and they are refusing to take it off and this is a big problem specially in This time of need because I have other bills that I need help with and this sitting on my credit report is really badd when it was added to my credit report my score went down Big time All I'm trying to do is get this removed and move on with my life because I did not receive any notifications from this company no phone calls no emails no nothing up until I contacted them pay them in full So if we can get this fixed that would be nice
Consumer complaint received 2022-12-28
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)

On XXXX XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX XXXX XXXX as well as equifax 's XXXX  date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-15
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 60 days straight with XXXX  i spoke to a representative agent name 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 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 XXXX more than 21 times. XXXX 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-09-25
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. (OH)

Without my permission or knowledge, I was erroneously credited with an approximately {$500.00} dollar " overdraft protection. '' Later, this amount was deducted from my account, causing an overdraft that jeopardized litigation I am currently pursuing in federal court. This deduction was also made without my knowledge or permission. I contacted the bank by phone on XX/XX/XXXX, and spoke to six different people over the course of an hour. No person I spoke with could point to any document I signed or any agreement I made at any point authorizing either this credit or this debit from my account. I instructed the bank to close my accounts, but was told that they could not do so with a negative outstanding balance ( even though that negative balance was due to an unauthorized debit by the bank itself ). I then informed the bank that it was no longer authorized to conduct any business in my name, that my business relationship with it was terminated as of today, and that any further account activity would be reported to the police. The bank has been unable to prove that it has legal title to the funds that it deducted from my account without my knowledge or authorization. I therefore consider these funds stolen, and am following up with local law enforcement.
Consumer complaint received 2022-12-28
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)

This is my fifth request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Here are the list of items that needs attention in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (MN)

I tried logging on to my XXXX XXXX account for the first time. It was weird Because it said I had an account made with my email. I reset the email got on and its saying I took some sort of loan with a company called Credence resource manage for almost five thousand dollars. It also said I lived In XXXX When I live in XXXX  the loan company is in Texas and I have no idea who they are.
Consumer complaint received 2019-10-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZenResolve, LLC (ID)

I received a letter in the US Postal mail on Friday, XXXX/XXXX/XXXX, from Zen Resolve stating that XXXX XXXX had placed my account with them for collection. The Zen Resolve statement shows that Zen Resolve started the collection process with XXXX XXXX on XX/XX/XXXX with a principal balance of {$1100.00}, interest of {$670.00}, fees of {$60.00} and a total amount due of {$1800.00}. I attempted to call XXXX XXXX and Zen Resolve, but it was after business hours. 

On Monday, XX/XX/XXXX, I called XXXX XXXX and they told me that they couldn't give me any information about the loan because it had already been sent to a 3rd party for collection. 

I also called Zen Resolve on XX/XX/XXXX and spoke to two employees, XXXX and XXXX, who informed me that they would have their manager, XXXX XXXX, send me the original loan documents corresponding to the Amplify Loan in my name. 

The documents were received on XX/XX/XXXX at XXXX XXXX via email from XXXX XXXX at Zen Resolve. After reviewing the loan documents, it was clear that this was not a loan I had ever applied for and I had been a victim of identity fraud. 

I sent an email back to Zen Resolve on XX/XX/XXXX at XXXXXXXX XXXX  stating the following : This XXXX loan by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the information attached is fraudulent. XXXX XXXX did not sign these documents, does not have this loan ( # XXXX ) and the bank account information is not his account. The name of the bank XXXX XXXX and the routing/account numbers ( XXXX are not accounts he has or has ever had. The email XXXX is invalid and not an email XXXX XXXX has or ever had. The phone number XXXX XXXX XXXX XXXX is not a valid phone number. 

We would like to file a dispute and have been informed by XXXX that we need to file a police report. We will do that shortly. What paperwork or information do you need to receive to for the dispute resolution? 

Please advise. 
XXXX At XXXX XXXX on XX/XX/XXXX, I received an email from Zen Resolve stating that we take fraud/identity theft seriously and requested that I fill out their FTC Identity Theft Affidavit, have it notarized and returned to them. 

I am currently in the process of completing the documents. So, far Zen Resolve has been responsive, but has asked me to include my FTC complaint report about XXXX XXXX with their packet.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.