davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Aargon Agency, Inc. (FL)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the XXXX  Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-01-03
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. (TX)

I never consented nor benefited from the attached inquires, please block and delete all inquires. If Experian believe i did any good and services from the following transactions, please let them have one of their senior executive sign under the penalty of perjury that i did receive indeed.
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. (NC)

You have continued to report XXXX XXXX as a collection account even though I have made you aware that it is inaccurate.

See attached the alleged creditors response to my verification request of the reported collections information.

If this is not rectified, I will be following up with legal action.
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. (MA)

XXXX XXXX is supposed to remove all 3 tradelines from the 3 major credit reporting agencies as part of a class action lawsuit settlement. I submitted the lawsuit paper to all 3 credit bureaus and they will not remove the tradelines from XXXX. I contacted XXXX XXXX several times to remove the tradelines with no sucess at all. It is part of a settlement regarding repossessed vechicles with balances being reported on the credit bureaus. XXXX XXXX XXXX is supposed to remove the information on all 3 major credit bureaus. Ive disputed st least 3 different times to all 3 credit bureaus and they will not remove the information.
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: EQUIFAX, INC. (NC)

You have continued to report XXXX XXXX as a collection account even though I have made you aware that it is inaccurate.

See attached the alleged creditors response to my verification request of the reported collections information.

If this is not rectified, I will be following up with legal action.
Consumer complaint received 2019-12-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX LN # XXXX To whom it concerns : My Loan was purchased by Lake view loan servicing LLC XX/XX/XXXX. I made changes to my bill pay and auto payment through my bank.. Fast forward, My XX/XX/XXXX payment went out as usual. The statement arrived and show that I had a late fee and the payment was over due. I call loan care immediately, I called my bank. Long story short. 
The loan payment had been going to an account number not the loan number. I went round and round on the phone, finally spoke with a supervisor, a XXXX XXXX. Well he got most of my issue straight. The XXXX payment did post the missing money was found. 
My XXXX payment went out on the XXXX of XXXX. The money got refunded to my account thanks to Mr. XXXX. 
So, for XXXX payment, I had my bank send a check. ( accelerate XXXX payment ) The check was to arrive by XX/XX/XXXX. I have called lakeview loan servicing. They can not answer to where the check is. nor an accurate time line to process. I ask about the late fee? Well payment is due by the XXXX. '' Late fees are automatic. You might get a one time waiver '' The front line phone people have no answers but get the money ... 

1. It should take 7-10 days to process my check 2. The check has been there for over a week. It has not posted 3. late fees automatic? I'm not late, its their process that's late. 
4. There is no continuity to correct problems.. Every time you call, get a new employee and issues start all over and no one knows what to do. just follow script for answers to the customer .... 
I
Consumer complaint received 2019-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WI)

The servicing of my mortgage note was recently transferred to LoanCare. Why, as a consumer, do I not have a say in the company servicing my mortgage? I have had several mortgages in my lifetime and all of them have been consistent with one another until now. I had no say in the matter and as of now, have no choice but to accept LoanCare as my current mortgage servicer. The problem I have is that I have become accustomed to the grace period of 16 days. Monthly mortgage payment is due on the XXXX of the month and considered late if payment not received by the XXXX of that month. Now that I am stuck with loancare, and have no choice, I am being charged to make a payment unless I apply for auto withdrawal out of my account or make an online payment by the XXXX of each month. How is this possible? I have been paying my mortgage on time by the XXXX for years. All of a sudden out of nowhere, the servicing rights of my mortgage change and now I have to pay a fee in order to make a payment? This is absurd. How is it not law that servicers can not charge a fee unless payment is received after the XXXX of the month? It should be the same across the board. I don't want to work with loancare. I want a new mortgage servicer. How do I make this change? Please advise as I refuse to pay a fee if I want to make a mortgage payment on the XXXX of each month.
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 — Account status incorrect
Company: EQUIFAX, INC. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/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: EQUIFAX, INC. (MD)

On -- -- -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 2023-01-23
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. (FL)

There are many account inquiries on my credit report that I do not recognize. 

XX/XX/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
Consumer complaint received 2021-07-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (TX)

I made my house payment for XX/XX/XXXX on XX/XX/XXXX. As of now the PRMG portal states I never made a payment and I'm 29 days late as of now. I called mid month and nothing has changed a investigation was scheduled but I'm like what is there to investigate the payment was taken out my bank account where did it go or where is it?
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion used Capital One monthly statement of my SECURED credit card ( secured with my OWN MONEY ) showing a due balance of {$100.00} on a credit line of {$550.00} to drop my credit score by 151 points from XXXX to XXXX!!! OUTRAGEOUS!!! 

I do not understand why and how Transunion is using this information and how can they decide that {$100.00} out of {$550.00} is a MAJOR PROBLEM!!! 

I called ns poke for over 30 minutes to an agent, nothing happen and I am really upset.
Consumer complaint received 2021-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd (NJ)

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 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.
Consumer complaint received 2021-08-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TN)

Greetings, around XXXX my Chime account was closed suddenly and without warning. They stated I would receive a check in the mail from my balance. 2 months have passed and they are now stating no check was issued because I did not have a balance to refund. That is not accurate as it had over {$4000.00} between both checking and savings accounts. They are stating only they can close accounts without any notice at any time and won't elaborate any further. Please help me.
Consumer complaint received 2021-07-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc. (UT)

On XX/XX/2021 I received a series of emails in quick succession from MoneyLion indicating my new XXXX bank account is ready, my debit card is in the mail, my phone number has been updated and my mailing address has been updated. The problem : I never opened an account with MoneyLion and the phone and address indicated in the update emails are NOT mine - I don't live in North Carolina and never have. Whether this is truly fraud or some sort of bait tactic by MoneyLion themselves is unclear. Either way - it's criminal.

I contacted MoneyLion and they agreed to close the account in question but would provide no other information or assurances. For example : " were any of my actual bank/credit accounts exposed or connected to the MoneyLion account? '' Answer : " we can't tell you that but we assure you nothing bad has happened. Have a nice day. Goodbye. '' What a crock! The fact that the account was created in the first place means something bad has happened.

To summarize : my only impression of MoneyLion is a very bad one and I suspect I'm not alone. Fishy company for sure.
Consumer complaint received 2021-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (LA)

My mortgage was recently transferred to NewRez LLC. Twice in the 6 months they have been servicing my mortgage they have taken unauthorized disbursements from my esrow account to make payments that are unnecessary and unauthorized. The most recent one occurred on XX/XX/2021. As of this moment they have not reversed the charge and my escrow account is missing {$2200.00}.
Consumer complaint received 2021-12-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

XXXX fraudulent checks for {$1700.00} were deposited into my account on XX/XX/21 and on XX/XX/21 I called chase and alerted them that the check in my account was scam while it was on hold. A representative told me that everything was fine and that the check had been returned and I was fine. On XX/XX/21 the bank sent me a letter saying that my account would be closed. I called and was told technically Im still liable for the {$3400.00} unless I filed a claim and I needed a police report to file. I filed a police report then called back. I talked to about 5 different representatives and they all sent me to a claims line where the phone would say the wait time is 50 mins and then the phone would hang up. I called on today ( XX/XX/21 ) and once again got hung up on. After speaking to my bank branch manager. She informed me that claims can not be done in the bank and they have to be done over the phone.
Consumer complaint received 2021-07-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: WELLS FARGO & COMPANY (CO)

-May XXXX my LOC with Wells Fargo was cancelled without notice. This reduced my available credit by XXXX which negatively impacted my credit score by 36 points. 
-In XX/XX/XXXX the bank reinstated my line of credit due to a consumer complaint by me, which then increased my credit score by 36 points. 
XXXX XXXX Wells Fargo is now going to remove all Three of my lines of credit which will reduce my overall available credit limit by XXXX this will very negatively impact my credit score. 
-Wells Fargo will cancel 2 of my line of credit account by XX/XX/XXXX, and one account by XX/XX/XXXX.
Consumer complaint received 2019-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Avant Credit Corporation (MN)

Paid off Avant card back last year paid {$300.00}. when i told them someone stole my card & account they did not refund any of the money. They locked my account have not sent me one letter and I have not used the card since i paid it off.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2019-12-17
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. (CA)

Since XX/XX/XXXX I have contacted the creditors listed and all three credit bureaus ( XXXX, Equifax, and XXXX  ) disputing the unknown inquiries and asking them to provide documents to support their claim of authorization such as identifying documents and a legal contract/agreement bearing my signature. For over six months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers with too many inquiries that hinders my ability to get credit. This is my last attempt to resolve this issue without legal assistance. 

XXXX XXXX from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance
Consumer complaint received 2019-12-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (TX)

Made contact with XXXX XXXX XXXX XXXX  and advised to cancel services as I was going to another carrier. Representatives continued to say account would be closed however, they continued to keep account open for 2 additional months and subsequently sending a notice of failure to pay for 2 months of service. I was not using the device or their service however, they refused or just did not cancel my service. Finally sent invoice indicating I owe XXXX and failure to pay will result in my account being referred to outside collection agency and it will result in a negative impact on my credit report. Received a letter from collection agency XX/XX/2019 showing a balance of XXXX
Consumer complaint received 2021-07-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC. (NY)

before the pandemic i stared i got a contract with XXXX XXXX on XX/XX/2020, but 2 month after covid stared and i stared having a lot of financial problems cause my income went lower, i call them to ask them to please stop the payments explaining the situation, the also opened an credit account and instead of they stop with the payment even i make a few of the payments the increased from {$500.00} to almost {$800.00} dollars, they send me to collection from the same company and i called them to ask them to stop cause im not willing to take vacations for now, I'm a healthcare worker and this is not the right time to be taking any type of vacations cause we don't know when this is going to stop. i called the credit card collectors and i ask them to stop calling me and to removed the balance cause i never used the services of XXXX XXXX the only thing i did was paid and looses money. The collector continues calling me at least every 5 minutes in the entire day i have blocked many numbers but they call and call. i dont want to deal with them and i don't want their services cause they are very desconsiderates this is a pandemic they should do exceptions with the clients if is that they really want the people to go and uses their resorts, this is the worse experience ever. i don't want them to keep calling me.

thanks for your help.