davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-25
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: Aargon Agency, Inc. (MO)

I sent in the police report and the order from the judge to have the fraudulent information removed from my credit file to Aargon collection agency, and was told by the supervisor it will remain on the credit file even though it does n't belong to me. I indicated to the supervisor, by law it has to come off the credit file because it is n't my debt. It has been a month and it 's still displaying on my credit file. It is on all three credit reporting agencies. Please have this removed from my credit report, and conduct an investigation into this collection agency for illegal activity.
Consumer complaint received 2019-05-11
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. (PA)

Fraudulent credit Inquiries on my credit report over the past two years I didnt apply or authorize for any credit company to access my credit from XX/XX/XXXX to XX/XX/XXXX XXXX
Consumer complaint received 2017-09-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS (NY)

The mortgage broker XXXX XXXX XXXX XXXX # XXXX XXXX from OneTrust homes never disclose the interest rate to me. After she got back to me with high interest rate ... I told her I would like to change the plan for 7 arms she asked me to pay her money after I agree and got the letter and confirmation she decided to change the plan saying it 's not longer available.
Consumer complaint received 2021-09-09
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: Experian Information Solutions Inc. (FL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2017-07-07
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. (OH)

My husband and I have started looking into a home mortgage and we discovered that I had a few unknown items/errors on my credit report. For this complaint the credit card closed and charged off is showing from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX. This account shows as closed on XXXX/XXXX/2013. The balance showing owed/charged off is {$2700.00}. I have no knowledge or ownership of a credit card account from XXXX XXXX XXXX.
Consumer complaint received 2018-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (MD)

date XXXX/XXXX/XXXX creditor XXXX XXXX XXXX XXXX original account # XXXX convergent account # XXXX original creditor XXXX XXXX XXXX  amount owed XXXX total balace XXXX
Consumer complaint received 2018-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

On XXXX My Credit report shows a Lowes account that was financed Thur GE Capital Bank XXXX XXXX I was writing to Lowes they say it was sold to XXXX XXXX and I wrote them and all they did was change the Account Open date from XXXX TO XXXX Ive wrote to XXXX several times regarding this error and the statute of limitations has passed and this account should be removed off ALL 3 credit bureaus So Im reaching out to you for help Thanks
Consumer complaint received 2019-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Please Know that I have sent certified mail letters to all three major credit bureaus for a consistent 18 months ; Transunion, XXXX and XXXX. 

Incorrect and erroneous information continues to appear. I continue to be denied for housing to basic additional credit. Specifically : * A paid-off car that I haven't owned for over four years * Collections which are not mine and were proven that I have experienced identity theft * All credit cards have been paid-off * All car debt from the past year has been paid-off * All student loans have been paid consistently for over two years, despite incorrectly showing 'default ' and loans which were clearly consolidated. 

Do know that I have sent final notices to all the bureaus with the intent to sue them in small claims court due to all the problems that they have wrought! I have followed the procedures, yet continue to be ignored. Further information includes incorrect names and addresses. 

Why do these entities have no recourse from the government? Why aren't they held liable for the damages they due to people by continuing erroneous and incorrect information? Penalties and fines must be imposed with further accountability. People should NOT have to be subject to the games they are playing!
Consumer complaint received 2021-08-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MI)

Someone hacked into my personal Venmo account and applied for a credit card on Friday XX/XX/XXXX. After getting approved for XXXX via my account they made a transaction for XXXX dollars through a venmo store. Then at XXXX XXXX they made a transaction for XXXX to another venmo account. I was logged out of my personal venmo and thought it was strange. Created a new password and noticed these charges. I then immediately contacted the Venmo customer service and they claimed they resolved the issue. My Venmo account is now frozen and I never received a formal email describing that would happen. Nor did then representative on the phone explain that my entire account would be frozen. Im very concerned as to how this happened.
Consumer complaint received 2019-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (VA)

On XX/XX/2019, I made the poor choice of engaging John C. Heath , Attorney at Law , PLLC. d/b/a Lexington Law Firm ( referred to now as LLF ) in a contract to remove any derogatory remarks from my reports provided by consumer reporting agencies. 

The following day, I was charged {$15.00} for a credit report which is offered to me for free both by Federal regulation directly from the source. The terms of cancellation and methods of cancellation are exceedingly vague and difficult to locate within their website, the primary platform by the customer interacts with LLF. 

On XX/XX/2019, I was charged {$100.00} for credit repair services prior to see any results. As of the time of this writing, I have not received any communication from LLF or evidence of legitimate work let alone positive results. 

The claims made on their website offer services which are impossible to offer with a broad caveat that " Lexington provides the Website for your convenience '' and " any representations, promises, recommendations or inducements that may be made by or through any party ( including vendors ) found at, on, through or from the Website. '' Evidence of their predatory practices are illustrated further in the terms and conditions of the contract, only available in full once you have already paid and engaged them in work. See : " Lexington can not guarantee and you are not paying for a particular credit report outcome or result ; you are paying only for Lexingtons efforts on your behalf. '' Further, that LLF utilizes the guise of a legitimate law firm to include the prominent featuring of various attorneys throughout their front facing and back-end websites makes a mockery of the law. The implication that you might have success in repairing your credit due to case management performed by a lawyer is deliberately misleading. 

The fact that you are only able to fully assess the terms and conditions of the contract after you have paid LLF, the claims and contents of their website and their untrue or purposefully misleading representations lead me to believe they are in violation of 12 USC sections 5531, 5536 and likely many more. 

Since I am financially stable and only out {$120.00} due to the very limited amount of 'work ' performed on my behalf, I'm taking this swindling as a good lesson learned. However, many other customers may not be so lucky. As such, I am submitting this complaint primarily to warn others who may be less financially secure or perhaps desperate for help from falling victim to LLF.
Consumer complaint received 2017-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have debts on my credit report from   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and  XXXX  that are all listed as charged off/past due. However, all debts listed on my credit report have been satisfied with each creditor. I have contacted all parties and in some instances it 's has been more than 60 days without them correcting the information on my credit report.
Consumer complaint received 2017-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OH)

I have a series of loans for my daughters ' college tuition financed by Nelnet. Although my daughters graduated several years ago, Nelnet auto debits my payments each month from my checking account and the interest rates are all fixed. Nelnet is increasing my monthly payments for the second time since my daughters ' graduation dates. I received a notice from Nelnet that it would increase my payments by more than {$130.00} per month. I called its customer service number and requested a management audit of my loans and payment history. I received an updated notice from Nelnet that indicated it would increase my monthly payments by approximately {$30.00} per month. I never received the detailed explanation from a Nelnet manager explaining how my payments could increase if the principal amount loaned did not increase, I did n't miss a payment and the interest rate is fixed.The only possible explanation is that Nelnet is misapplying my payments. Again, I request a full management audit of my loans and payment history, and a senior manager 's detailed explanation of why Nelnet has to increase my monthly payments.
Consumer complaint received 2017-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OR)

On XXXX I tried both by internet and phone to contact this company to freeze both my credit and my husband 's credit. I could not get through and ended up mailing the information required to freeze each of our credit reports by XXXX Mail. I also sent XXXX checks to pay for the service for each of us. The mail was certified delivered and I have n't yet heard a word from anyone
Consumer complaint received 2021-08-06
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. (NY)

To whom it may concern, I was looking at my XXXX XXXX i noticed inaccurate information. I noticed XXXX XXXX  put a late fee on my account on XX/XX/2020. I called XXXX XXXX  on XX/XX/2020 they admitted i was never late. I asked them if they can send me this in a document form they said they couldn't. I just want this late fee removed from all credit reporting agencies as this is inaccurate information and I always paid on time.
Consumer complaint received 2019-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

By law By FCRA I have a right to know who the furnisher of information is when reporting information on my credit report. Please READ section 611 of the FCRA. I am only asking what the law states. You are saying I filed bankruptcy in 2016 I ask several times who is the furnisher of information so I can get this corrected. You refused to tell me just ignored and sent repeated letters saying verified. WHO VERIFIED? WHAT IS YOUR METHOD OF VERIFICATION? MORE IMPORTANTLY WHO IS THE FURNISHER OF INFORMATION ON THIS BANKRUPTCY 2016. You then finally answer and said the courts was the furnisher, gave me there information and stated if I have questions contact them. Well I went down there and wrote letters. THE COURTS SAID YOU LIED!!. They said they are not the funisher of information and did not give you bankruptcy information on me. The Bankruptcy court went and sent me not 1 but 2 certified letters stating this and much more proving they are not the furnisher. PLEASE SEE EVIDENCE!! PLEASE. Please Delete this unverified Bankruptcy. I pressed you for the truth sent repeated letters trying to get this so called funisher of information on this Bankruptcy contact information that the law allows since you refuse to tell me. PLEASE DELETE! Delete this unverified bankruptcy. After several letters and loss of weight and sickness this has caused me you sent a letter now claiming XXXX XXXX is the furnisher of information. Now here again you are not telling me the truth. I contact XXXX XXXX they then sent me several documentation refuting your story. I have not 1 but 2 letters form XXXX XXXX stating they tried to contact you to get this matter cleared up as this has put me in and out of the hospital repeatedly, I have XXXX XXXX and fell into deep XXXX over this, I am trying to deal with this unlawful activity you are doing against me. I have documentation from XXXX XXXX stating they have 0 bankruptcy filings on me. What is more XXXX  conducted there investigation and saw they were reporting in error contacted XXXX XXXX and did the right thing and deleted. SEE EVIDENCE!! PLEASE LOOK AT THE EVIDENCE PLEASE!! I have enclosed other documentation showing and proofing my case. XXXX CONDUCTED INVESTIGATION AND SAID THEY HAVE NO RECORD OF ME EVER FILING BANKRUPTCY!! Please DELETE this unverified Bankruptcy at once. 
I have included letter from my Attorney as we are prepared to file a federal lawsuit as you are in violation of THE FCRA. 
I am not asking for a free handout. Just look at the overwhelming evidence do the right thing and DELETE THIS UNVERIFIED BANKRUPTCY. Please do the right thing. 

WHO VERIFIED? WHAT WAS YOUR METHOD OF VERIFICATION? WHO IS THE FURNISHER OF INFORMATION?? 
PLEASE DELETE DELETE DELETE DELETE DELETE before we got through on this federal lawsuit.
Consumer complaint received 2021-04-22
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/XXXX, I called the bank because I was experiencing issues with making payments due to Covid. The associate and I discuss options and we agreed to a 12 month hardship program with payments coming out every two weeks. The payments were taking out of my bank account as expected. I would still get calls from the bank to collect but I would say I was on a hardship program and they would say the called in error. I was informed today, XXXX XXXX 2021 that I did not meet the criteria for the hardship program. I dont know how a company can do this. First the agreed to it. Second, they showed acceptance by withdrawing the money from my account but now they are saying I dont qualify and want to put me in a program that doesnt fit my need. I believe this is misleading and borderline fraud.
Consumer complaint received 2017-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stellar Recovery, Inc. (AZ)

XXXX claims that we had signed a 12 month contract for their services. XXXX claims that we own them {$170.00} of a service contract. We never signed a contract and were in a month-to-month agreement. We asked them to provide proof that we signed a contract and they were unable or unwilling to do so. We refused to pay the {$170.00} as we are not responsible for a contract that we never signed.
XXXX sent the {$170.00} amount to a collections agency named Stellar Recovery, Inc. ( XXXX ). We called today to inform them that the amount was in dispute and that we do n't recognize them as the holders of the debt. We asked Stellar Recovery , Inc. to remove the item from our credit report until they were able to prove that we were responsible for it. Stellar Recovery refused.
It is unfair and abusive for this matter to negatively affect our credit when neither XXXX nor Stellar Recovery has been able to provide evidence that we own them money.
Consumer complaint received 2022-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2017-07-27
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)

On XXXX/XXXX/2017 I have attempted to contact Transunion multiple times. I have spoken to two different supervisors both named XXXX and XXXX. I mentioned that I would be willing to provide the needed information in order to resolve this huge issue. I also explained that I understood my rights as a consumer and legally transunion was suppose to send out a 5-day prior letter stating this the information ( inquires ) originally deleted due to glitches on two different occassions, were now going to be re-added. However they failed to do that. Out of the three credit beauras this is the one that has left a bad experience and have failed to assist with proper information. And as far as a resolution, I am requesting that all of my Hard Inquires be removed from my credit report
Consumer complaint received 2017-07-27
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. (TN)

This account is showing up on my XXXX report as negative. Also it is showing up a a foreclosure. This needs to be corrected with XXXX  and XXXX. Please alert them of this reporting negative on my XXXX report. All other agencies have corrected it.
Consumer complaint received 2018-01-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I made a series of sales of virtual currencies on Coinbase on the following dates, for the following amounts and with the following reference numbers issued by Coinbase {$4800.00} USD XXXX XXXX XXXX {$2800.00} USD XXXX XXXX XXXX {$5000.00} USD XXXX XXXX XXXX {$200.00} USD XXXX XXXX XXXX {$130.00} USD XXXX XXXX XXXX The destination I chose for the proceeds was my bank account. I was told expected payout for each transaction would be the following day. Then I saw elsewhere on the site that it would take 4 to 6 business days for funds to arrive. 

The sales on the XXXX and XXXX did not arrive until XXXX XXXX, a full 12 and 13 business days after the sales. 

The remaining transactions have yet to arrive. It has been 9 and 10 business days since the transactions on the XXXX and XXXX. 

I have sent repeated inquiries to Coinbase over the past two weeks to no avail. They have yet to respond. Their XXXX for their support functions also has ignored my repeated XXXX and direct messages. In the time that these funds have been in transit, I could have earned a decent return on them.