davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
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. (NY)

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 the 3 Credit Bureaus was XX/XX/2022, 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 proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-03
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: EQUIFAX, INC. (CA)

I was reviewing my credit report and these accounts from XXXX XXXX XXXX. These accounts are unfamiliar to me. I don't know these accounts. I filed an FTC report and I've attached it here.
Consumer complaint received 2018-11-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diverse Funding Associates LLC (GA)

On XX/XX/XXXX XXXX XXXX From XXXX XXXX XXXX XXXX ext. XXXX, representing XXXX XXXX, XXXX. sent me a written agreement to pay a charged off XXXX credit card. The settlement amount was {$2900.00}. The amount was to be paid making monthly payments that started on XX/XX/XXXX. I have made every monthly payment since beginning this agreement. On XX/XX/XXXX XXXX XXXX from XXXX XXXX ext. XXXX, called claiming the " verification of employment was now scheduled ''. When I returned his call I was informed that he was now collecting on the original XXXX account. He said he too worked for XXXX XXXX, XXXX and claimed I had not made any payments. After further conversation he said he was mistaken, I had only missed the XX/XX/XXXX payment. I had proof that I made that and all payments to XXXX XXXX at XXXX XXXX XXXX. He then told me that my current balance with XXXX was over {$3000.00}, which is more that the settlement amount that XXXX XXXX had given me in writing. He went on to explain that he " may '' be able to get me the same settlement amount but needed to know when I could pay the balance because this might help my case. I told him that his information was incorrect and that he needed to get everything in writing and send it to me. I have not received anything yet and do not want a lawsuit because of unlawful debt collection practices.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (NY)

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 the 3 Credit Bureaus was XX/XX/2022, 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 proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : 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 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-11-08
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Action Financial Services, LLC (FL)

I have received several letters from various Debt Collection Agencies regarding XXXX XXXX University. I have reported many of them previously and have had my income tax refunds taken regardless. 

I recently received yet another bogus letter, dated XX/XX/2018, from an agency calling themselves Action Financial Services , LLC demanding a sum of {$12000.00} for XXXX XXXX University. On XX/XX/2018, I contacted the number listed and spoke with a XXXX XXXX and then a XXXX XXXX, who advised me they were actually from XXXX, an agency that previously tried to extort money and that I previously reported since they did not answer phones nor set up payment arrangements. All they did was threaten lawsuits and to withhold income tax refunds. 

For the past two years, my income tax refunds have been withheld by various fraudulent agencies and I am still receiving threatening and abusive letters. I requested proof of the debt and received paperwork that does not reflect any funds already taken. 

I am tired of the threats and disgusted by the corrupt and fraudulent actions by the agencies involved in addition to the US Department of Education and the IRS. 

In this case, XXXX, is not only harassing me they also admitted doing it under another company name of Action Financial Services , LLC. The debt amount can not be correct nor do I trust a " debt collection agency '' that does not answer their phones, does not set up payment plans and does not have an accurate amount. 

The education from XXXX XXXX University was never received. There is no completed degree. My Income Tax Refunds have been taken repeatedly yet I am still getting threats from several different agencies and for different amounts.
Consumer complaint received 2018-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates (NJ)

A debt validation letter was sent out to collection agency, LJ Ross Associates ( account # : XXXX ) during the earlier part of XX/XX/2018. Collection agency promptly replied and validated that debt was paid in full to the original creditor ( see attached ).

However, said collection is still listed on my XXXX  credit report. A letter dated XX/XX/2018 was sent to XXXX  to contest the negative item.

Please assist in resolution of this matter. I appreciate the help! 

Thank you!
Consumer complaint received 2022-05-03
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2020-01-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

On XXXX XX/XX/XXXX, my mortgage servicing company charged me the amount of my mortgage ( {$1100.00} ). The mortgage servicing company then tried to charge me again on XXXX XX/XX/XXXX for the same amount for the same month 's payment. The result of this was an insufficient payment charge to my bank account ( {$29.00} ). The mortgage servicing company then tried to charge me again on XXXX XX/XX/XXXX resulting in another insufficient payment charge to my bank account ( {$29.00} ). Additionally, the mortgage servicing company added an insufficient payment charge to my loan account ( {$30.00} ). Due to the mortgage servicing company attempting to charge me for one month 's payment three times, I was unduly charged and additional {$88.00}. I called the company 's customer service line, who advised that it was an error on behalf of the company, and that it could be rectified by me sending the company my bank statement indicating the successful payment on XXXX XXXX and the subsequent charges. I sent the requested information through their customer service e-mail function shortly after and have since heard nothing from the company. I have continually had issues with this company, one which was handled by the CFPB.
Consumer complaint received 2020-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (MI)

On XX/XX/31 Chime closed my account. After several emails and calls they stated the would send me tracking info and a refund check. Approximately XXXX I received the check. Try to deposit it into my NFCU account and it was declined as stating the issuing bank rejected it. I also went to the issuing bank, XXXX  XXXX XXXX and they stated the check was also no good! I have called Chime and all they can tell me is someone will contact me in 24 hours or go back to the bank and tell them to call then to verify the funds. I have been going through this whole issue with Chime for almost a month! They sent me a bad check!!!!!
Consumer complaint received 2021-03-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stenger & Stenger, P.C (MI)

I am a XXXX year old woman with XXXX XXXX XXXX. My only source of income is Social Security which is protected by federal law from being garnished. Stenger has previously been informed of my circumstances. 
On XX/XX/2021 XXXX filed a Summons & Complaint. On XX/XX/2021 an unknown white male showed up at my door. Being a single XXXX year old woman, I do not answer my door to unknown. In the process of banging on my door unknown male maliciously destroyed my doorbell. I believe this is Stenger 's way of trying to intimidate seniors. I knew at a later date that this is the process server Stenger hired because I found his notice blowing around in my yard when picking up trash. I have filed a complaint with the police and will be seeking reimbursement of the cost incurred in obtaining and installing a new doorbell. 
Also, I am drafting a grievance against Stenger with the Michigan State Bar. 
From my research on Stenger they are known to be very shady. I am watching out so they do not try to enter a Default Judgment. They are " bottom feeders ''.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I submitted documentation to XXXX to prove that I legally changed my name, including the court order, my new social security card, and state drivers license, but they refused to update my name in their records and continue to use my previous legal name in reports and correspondences.
Consumer complaint received 2022-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

XX/XX/22, XXXX XXXX  - received call/voice mail from unknown number ( caller id listed as Unknown ). Roughly, this is the vm as transcribed by XXXX XXXX XXXX XXXX : Hi, this is [ worried ] XXXX calling from GCC. Please contact me or any of our representatives at XXXX today until XXXX XXXX or any weekday from XXXX XXXX to XXXX XXXX XXXX XXXX 

I XXXX the phone number and it came back as Gulf Coast Collection. All the entries were pretty much the same as my voicemail. 

I did not call the number. I don't know what debt they could be calling about.
Consumer complaint received 2021-01-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My account was sent to charge off in XX/XX/XXXX. The charge off amount was {$3000.00}, The card limit was {$2500.00}. However, I starting making {$10.00} payments on my own to in XX/XX/XXXX to reduce my balance and make a positive effect on my credit score. My {$10.00} payments are not showing on my end on my credit report as being paid. 
It states not payments to creditor. The current Balance is {$2800.00} and last week my credit score dropped 20 points. I called XX/XX/XXXX and was told that the credit bureau automatically calculate my score based off something not sure what they meant. In addition, I called the Company that I owed my balance to and I was told that the only way for my score to change was to pay off the balance or pay the settlement of {$1400.00}. I was even told to use my stimulus, the nerve of that representative from the credit company. I would really appreciate your help. Thanks
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

In 2019, LVNVFunding LLC as a successor in interest to XXXX XXXXXXXX XXXX XXXXXXXX. contacted me saying that I owed {$590.00}. My reply to LVNVFunding LLC as a successor in interest to XXXX XXXX XXXX, XXXX, was I do not owe this debt. I also requested verification of the debt and it was not validated. Currently, VNVFunding LLC as a successor in interest to XXXX XXXX XXXX, XXXX. with the help of the Law Offices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX has a judgment for wage garnishment. 
I am disputing this charge.
Consumer complaint received 2020-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WA)

We have a mortgage with the following company : Shellpoint Mortgage Servicing XXXX XXXX XXXX  XXXX XXXX, Michigan XXXX Shellpoint escrow does not pay the Homeowners insurance, we pay for this premium each year. Twice a year, Shellpoint sends us a letter stating that the insurance policy has lapsed and that they are imposing a policy at a rate which is 10X the cost of our policy. Each time this happens we upload a new copy of the policy which Shellpoint ignores and implements their own policy. Phone calls can not be routed to the organization which issues the policy letter, the Escrow organization denies responsibility, and all documentation is not acknowledged. Twice a year I have to have my insurance agent resolve the issue which takes several days to resolve. 

We have no recourse to prevent this issue, we can not get in touch with the correct department and we can not get this resolved.
Consumer complaint received 2020-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I wrote all three credit bureaus in XX/XX/XXXX about a bankruptcy they have on my file that was filed in error, I have provided proof of that and XXXX XXXX has removed this information from their files which was also provided to the bureaus as well. They are in violation of my right to an accurate credit file. They have verified nothing and this information needs to be deleted. I have written several letters since XXXX bringing this error to their attention. As a last resort I am filing a complaint and will consider legal action if they do not comply.
Consumer complaint received 2018-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MI)

Attempted to use the trustedid premier equifax product ( I have been given this product free because I was identified last year as one potentially affected by their data breach ) to monitor my credit during a temporary unfreeze period ( XX/XX/XXXX to XX/XX/XXXX ) verified by all three credit bureaus ( XXXX, XXXX and Equifax ). At first, trustedid exhibited an error message, but that was fixed mid-week ( XX/XX/XXXX, probably ). After that, trustedid exhibited a message " your credit is frozen. '' I have  verified with the equifax phone system that my credit is indeed NOT frozen, and was issued a verification number. I did this for the second time early morning yesterday, XX/XX/XXXX. I also did it earlier in this week ( probably XX/XX/XXXX ). 
Earlier in this week ( probably XX/XX/XXXX, maybe XX/XX/XXXX ) I called equifax customer support to inquire why I was unable to used trustedid to monitor my credit when I had unfrozen the credit and had a verification number for that action. They told me I HAD TO give them my full social security number to unfreeze my credit. I did not want to give in to this, but I did, having the credit unfrozen until XX/XX/XXXX and being issued another verification number. When I had time to see the result ( XX/XX/XXXX ), I still saw the message " your credit is frozen. '' I called equifax customer support XX/XX/XXXX, AFTER using the phone again and issuing an unfreeze of my credit until XX/XX/XXXX and receiving another verification number. I asked why I could not monitor my credit when I had issued a credit unfreeze. They tried to make me surrender my social security number, again, to perform a credit unfreeze. I refused and I cursed at the equifax representative, which is the first time I remember ever doing to any representative for any company. I hanged up and called back and got a different representative, who tried to get my social security number but I stopped them cold and demanded to know why my credit could not be monitored with trustedid when I ABSOLUTELY HAD UNFROZEN MY CREDIT with a pin and had a verification number. They then diverted to a time issue ( i.e., when did I unfreeze it ). I told them I had issued an unfreeze a couple hours before. I was told to try again in a couple hours. 
Well, I waited about 20 hours. Tried today, XX/XX/XXXX, to monitor my verified unfrozen credit. The message " your credit is frozen '' is all I get from the trustedid online service. It does not allow me to monitor my credit. The service it claims to provide does not exist for me. Trustedid is a non-functioning outrage, a lie.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I deposited a check in to my Chase Bank account on XX/XX/2020. That check cleared the makers bank on XX/XX/2020. My receipt for the transaction said i would be funded on XXXX XXXX. I called Chase bank inquiring about the funding, yesterday. The y said it would not be funded until XXXX XXXX. I then told them they needed to fund this deposit and they left me on hold for an hour. I am sure Chase has the funds. This appears to be fraud.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

There are multiple fraudulent items on my credit report. I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me but they are still reporting on my credit report. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2020-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NJ)

AMEX reversed $ XXXX of credits that were earned, so with no explanation. I called in about it, was told back office did it, but they did not leave any notes. 

This is a massive theft of legitimately earned cash back. 

I have attached the downloaded statement showing this.
Consumer complaint received 2021-06-25
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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (LA)

I paid credit Acceptance in full and they agreed to remove it from my credit report immediately. All other reporting agencies did except XXXX. The company denies derogatory being on the paperwork but XXXX XXXX still has not fixed it after multiple reports and calls.