davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (NY)

Equifax has made the conscious decision to block me from even entering the page I reported this when I called in XXXX .When this report was filed against Equifax for letting the thieves have my  credit file. Now theyve given me a Number XXXX it is a automated service that the automated lady will not let you go anywhere. 
I just tried to get into my account the page closes from a halfway page and from the top and bottom comes to the center of the page and locks me completely out. This means that they have given my credit report to the theories and I need help you have all of my information in all of the attachments that I have sent but now they will not allow meTo have an account this is really really bad Ive had some strange and shady things happen and I just finished talking to experience whatever is being done it is spreading over to XXXX. This is the most scariest situation this has been going on for years now and I didnt know what to do before but I know what to do now now Im going to the attorney general in foul the papers that was sent to me before I took sick. This needs to be investigated to the full us at this point theyre denying me access and this should let you all know theres something is very very wrong here thank you This is the most scariest situation this has been going on for years now and I didnt know what to do before but I know what to do now now Im going to the attorney general and foul the papers that was sent to  me before I took sick. This needs to be investigated to the fullest at this point theyre denying me access and this should let you all know this something is very very wrong here thank you XXXX XXXX. XX/XX/2020
Consumer complaint received 2020-07-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 12 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 

Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2018-02-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On or about XX/XX/XXXX I noticed a XX/XX/XXXX charge on my account for {$100.00} by XXXX I did not at the time recognize the charge. I contacted Bank of America ( BofA ) to inform them of this unknown charge. The account was closed, my account credited {$100.00} for this change. On XX/XX/XXXX BofA sent me a letter indicating the matter resolved. 

On XX/XX/XXXX I respond to a correspondence from XXXX. They reminded me that I did in fact make a purchase for {$100.00} from them under the name of XXXX 's XXXX. Since the account was closed I offered to pay him immediately with my new BofA card. He processed the payment. 

On XX/XX/XXXX BofA charged my account for {$100.00} indicating that the original charge was not fraudulent. On XX/XX/XXXX I contacted BofA to inquire about XXXX being credited. After more than an hour of phone transfers through multiple departments I was told that XXXX would be credited. A week later I contacted XXXX to inquire if they had received such a credit ; he told me no. I contacted BofA, again I was transferred though multiple departments, asking for proof that the payment to XXXX was made. BofA was unable to provide me with proof nor offered any help resolve it.
Consumer complaint received 2021-06-09
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. (OH)

I have sent several letters to Equifax in regards to unauthorized inquires that I've noticed on my credit report and they have failed to meet the request of deleting these unauthorized inquires from my credit report. I need these inquiries DELETED immediately from my report I do not who these belong to but I did not authorize these. I've already contacted the companies and they advised for me to contact your office.
Consumer complaint received 2021-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

RESURGENT/LVNV FUNDING Account number XXXX I am a victim of identity Theft and this account is reporting on my credit file and negatively impacting my scores. This account does not belong to me. I have tried to fix this but have not gotten a response or proof of this account.
Consumer complaint received 2021-02-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (VA)

About the XXXX of XXXX Lakeview Loan Servicing took money out of my account to pay my mortgage. First, my bill is due between the XXXX and the XXXX of every month and I usually pay by check. I tried to resolve this issue with a representative of the organization ( Ms. XXXX XXXX ). Second, Ms. XXXX XXXX said I needed to call a number to get this situation resolved. I did not have any time to call the number because I am taking care of my mother who is sick in Florida. Third, A representative said they called my house number but they couldn't find my cell number. This is the same number this organization was contacting me when they wanted my business. Fourth, a representative closed my claimant without resolving the issue. Fifth, Ms. XXXX XXXX said in the beginning of her email, dated XXXX at XXXX XXXX " Of course you can Mr. XXXX ''. This was in reference to me saying I will file a complaint. ( In my opinion this was her way of saying so what. I am going to do whatever I want and your complaints do not impact me. ) Instead of her saying let 's try to resolve this to protect her company. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-26
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. (KY)

This is my second attempt to remove these fraudulent accounts from my credit reports. My first attempt was sent back to me by the CFPB stating it wasn't me submitting it. This is me!!! XXXX XXXX, so please forward my complaint to the CRA 's!!
Consumer complaint received 2021-10-12
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: Commonwealth Financial Systems, Inc. (KS)

I sent commonwealth financial a validation of a debt letter and in return they sent an itemized statement, ( in which I asked for a validation of debt. ) They've yet to validate the debt that belongs to the hospital in which commonwealth bought. When talking to commonwealth, after not receiving what I asked for, they were rude, and hung up during me speaking, after stating they sent out paperwork. Might I add, again not DEBT Validation. Another CSR even stated they should of been removed from bureaus.
Consumer complaint received 2021-05-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2021 {$970.00} dollars were taken from my hard earn savings account by a scammer, It was a puppy scammer, I called my bank right away and to my surprise they don't help you at all. They started a claim and on XX/XX/2021 got an email basically saying that they couldn't help, XXXX is not backed up by them or XXXX Bank of America whom I've banked for 12 years basically just didn't care and said too bad so sad we can't get the funds from XXXX XXXX you are XXXXand on your own. The bank the funds where transferred to is XXXX XXXX XXXX same they are saying too bad so sad. I spoke to Bank of America and asked why is it that they provide service with XXXX when really it doesn't guarantee scams or frauds. Being that it was a service provided by my Bank, I honestly thought they would back up any scams or frauds. Like XXXX does ... Never have I had a claim with my bank, I try to be very careful but I fell for the Scam. Trying to get a puppy for my family and my XXXX needs son. Such a shame that MY bank XXXX Bank of America XXXX can't just help me by giving me the money back for being a Loyal customer for over 12 years, having a checking, savings and credit card with them. Never have done a claim. Is so sad people are taking advantage of others during this Covid-19 Pandemic and even the banks, my bank ( Bank of America ) just basically is telling me I'm on my own. I'm hoping your agency can assist me with something. I have all my 3 credits frozen because the scammer has my Identity Information ( name, address, phone ) they did try to open a card. I have created an FTC claim and iC3.gov, XXXX for the SCAM/Fraud not my bank. Never will I use XXXX again. Hope XXXX XXXX or Bank of America look into my loyalty and refund me my hard earned money as a curtesy refund. This goes to show no one cares about your loyalty and my bank only cares about the money I give them.NOT the money I loose for USING a service they PROVIDE. Feels like a scam from my bank telling me : here use THIS service XXXX but if you make a transaction or get scammed don't come to us. I wonder if they get money from XXXX for each customer that uses the service. Is all a big SCAM. I guess my scammer was trying to make rent payment.
Consumer complaint received 2020-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT FILE AND CAME ACROSS TWO INACCURATE ACCOUNTS AND AN ENTRY UNDER INQUIRIES THAT IS REPORTING ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRY DOES NOT BELONG TO ME AND IS IN NO WAY AFFILIATED WITH ANY TRANSACTIONS THAT WAS MADE BY ME. THE ACCOUNTS AND INQUIRY WAS NEVER AUTHORIZED BY ME. I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER AND RESOLVE THIS ISSUE BY REMOVING THE DEROGATORY ACCOUNTS AND INQUIRY OFF OF MY CREDIT FILE.
Consumer complaint received 2021-10-12
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)

I am trying to improve my fico score so I can move my family into a better living condition. 
I have taken steps to call all the creditors on my report that are showing negative on XXXX XXXX score. Each one stated I would have to dispute the account so they can move forward to delete, remove, or erase it from my report with their response. I have a copy of the creditors that were deleted from my XXXX Credit Report to show the creditors that responded back with the delete, remove, or erase statement. I have called several times to XXXX, XXXX, Experian on XX/XX/2021 and on XX/XX/2021. On XX/XX/2021 I got a copy of the revised updated report with the same old information?
Consumer complaint received 2020-11-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation (FL)

Debt collection Attorney XXXX XXXX XXXX XXXX, FL, claimed they were hired by Onemain Financial to collect on a defaulted unsecured loan with a balance of {$9000.00}. This Junk debt buyer provided no contract which reflected they were hired buy Onemain Financial to represent them and the copy of the contract they provided to me that I supposedly signed now suddenly has my new married name and initials, which has been clearly altered. The initials have been typed and so has my complete signature. When I signed the original contract, I went into the local branch and an XXXX was used to capture my initials and signature which was my former name. 

This junk debt buyer did not provide me with a notice to appear in court, which is how they were able to obtain a judgement against me. they have sent garnishment notices to business that I have never been employed with. I am head of household which my attorney has filed the necessary paperwork and they don't want to accept it and is now challenging it
Consumer complaint received 2022-01-08
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: GLA Collection Company, Inc. (KY)

( GLA COLLECTIONS ) at ( XXXX XXXX XXXX  XXXX KY XXXX ) has been sending me collection notices in the amount of ( {$74.00} ) the collection opened XX/XX/2020 has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-10-12
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)

I am trying to improve my fico score so I can move my family into a better living condition. 
I have taken steps to call all the creditors on my report that are showing negative on my fico score. Each one stated I would have to dispute the account so they can move forward to delete, remove, or erase it from my report with their response. I have a copy of the creditors that were deleted from my XXXX Credit Report to show the creditors that responded back with the delete, remove, or erase statement. I have called several times to XXXX, Equifax, XXXX on XX/XX/2021 and on XX/XX/2021. On XX/XX/2021 I got a copy of the revised updated report with the same old information?
Consumer complaint received 2020-01-28
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 — Investigation took more than 30 days
Company: OUT TECH, INC. (PA)

Bureaus of account management continues to furnish information on credit file going against FCRA Guidelines. Company sent to information regarding debt. Time of service, I receive medical assistance which covers @ 100 %.
Consumer complaint received 2022-02-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (LA)

Im a victim of identity theft that has been ongoing for several years. I submitted my ID theft report and police report via disputing with credit bureau. The company refuses to remove the account. I have never been seen by a physician in XXXX Florida. Also, I have health insurance through Medicare and Medicaid. If I had been seen by a physician, I wouldnt owe a bill.
Consumer complaint received 2022-02-10
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: CBC Companies, Inc. (TX)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2020-09-22
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. (NC)

I have submitted several letters to the credit bureaus and have been ignored for the past 90 days, I have inaccurate information on my credit report and demanded on several occasions that they be taken off. Starting on XX/XX/2020 I disputed inaccuracies with my mailing addresses and names on the account, on XX/XX/2020 I disputed 5 accounts on each reporting bureau and certified the copies and have yet to hear a response, i also enclosed copies of my drivers license, w2 with social and two forms of residency proof and got one letter saying i failed to identify on my address cleanup. I am in the process of certifying another letter with 5 more disputes per bureaus and I am in frustration and am ready to file a law suit against the agencies for the damage of my report. I would appreciate if you can look into this further.
Consumer complaint received 2021-10-12
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. (NV)

My old XXXX XXXX - XXXX XXXX XXXX account is misreporting a balance owed to Equifax when it was included in a bankruptcy that was filed years ago. This is inhibiting me from getting a loan and should be fixed ASAP.
Consumer complaint received 2021-08-21
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: BARCLAYS BANK DELAWARE (MI)

Hello, I have repeatedly disputed a fraudulent charged off account that is showing on my credit reports. As soon as my wallet was lost, I immediately contacted all my cards and canceled them and when I begin to see fraudulent accounts showing up on my credit report I contacted the police. I have worked very hard for my stellar credit, however I can't seem to get this inaccurate information removed permanently from my report. This company has an account that is fraudulent and they are reporting it as if it was mines. I have tried everything, but they still will not do whats right. 

This company is bullying me and tarnishing my credit even after Ive pleaded with them to seek the truth and do the right thing and remove this fraudulent charge off of my account and stop reporting it to the three major bureaus. Please help me. The next step is legal action
Consumer complaint received 2021-06-09
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. (TX)

Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.
Consumer complaint received 2020-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

I have/had a mortgage loan via NewRez LLC. 
I had a monthly automatic bank withdrawal for payments. 
I had a remaining balance as of XX/XX/2020 substantially less then my normal monthly payment. 
As of XX/XX/2020 I can no longer access my account information on line through the NewRez customer website. The account is identified as " inactive ''. 

NewRez made a withdrawal from my bank account of the total scheduled monthly payment, where I would expect a withdrawal of only the funds necessary to pay off the outstanding loan balance. 

Upon contacting NewRez via telephone, I was told that this is the way their systems operate and they could provide no further information as to the status of my loan or the process for returning the additional funds ( residual balance ) they withdrew from my bank account.
Consumer complaint received 2021-10-12
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: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX and MUFG Union Bank. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}. The Account Opened is MUFG Union Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.