davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-24
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)

Hello, I would like to report about Identity theft as I do not recognize this account and inquires. I checked again my profile and I realized that they are still there. When you are going to make investigation and remove these items? I am writing again, to request that you reinvestigate this account and inquiries, and delete them. I am very sad that I see them still there. Is it possible someone forged my name, or that you have confused me with someone else? I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these items. I have never gave anybody any permission for that inquires. Please review this and remove this as soon as possible.
Consumer complaint received 2022-12-17
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. (VA)

On the dates listed below i received hard inquiries on my Credit profile that i do not recognize and are fraudulent. I have a closed XXXX XXXX account that needs to be removed from my credit profile because it violates my right to privacy. 

XX/XX/2022 XXXX, XX/XX/202XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgence Capital, LLC (WI)

XXXX and XXXX is trying collect some mysterious debt from XXXX that I do recognize. 

Not only is this long beyond the statute of limitations, if this company is not fraudulent, is most likely due to the XXXX identity theft scandal from the early XXXX. 

They said I contacted them therefore I acknowledged the debt was real.
Consumer complaint received 2021-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (MI)

I get periodically unclaimed property award checks periodically from The Michigan Department of treasury unclaimed property division. XXXX XXXX XXXX XXXX Michigan XXXX : ( XXXX ) XXXX. ( XXXX ) XXXX ( XXXX ) XXXX. The successfully electronically deposits the checks periodically into my Chase Bank account successfully. But immediately as it's deposited it's stolen. After it's stolen it's replaced with a counterfeit check that looks exactly like it but it's a fake. I was spending the money from the fake for almost 3 years until I spotted the fake. I then completely complained. The unclaimed property award check is : State of Michigan PMT/Refund PPP ID : XXXX. XXXX. XXXX {$42.00}. This is how it's read on my bank statements. The original looks exactly the same. But the original deposited is stolen. Please investigate and help me get the original unclaimed property award back again. My bank 's name is Chase Bank. Complains number or customer service number is : XXXX XXXX XXXX.
Consumer complaint received 2020-05-26
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: EQUIFAX, INC. (CO)

While I was in the process of trying to rent an apartment, my credit report had to get pulled. i was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. these accounts do not belong to me. Please remove these items from my report.
Consumer complaint received 2021-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

I've contacted I C Systems regarding a XX/XX/XXXX account in collections that is showing on my credit report in the amount of {$360.00}. I explained to I C Systems that it is not my debt, and I requested for them to provide me verification of the debt. They advised me that they are unable to do so, and they continue to show this on my credit report.
Consumer complaint received 2019-02-20
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: WELLS FARGO & COMPANY (CA)

XXXX reports FICO score to Wells Fargo which allows me access to it. My credit rating throughout the last year was steady at about 825 ( see attachment ), then in XXXX, inexplicably, my score tumbled to XXXX. Shocked by the rapid decline, and knowing there were no triggering events, on or about XX/XX/19, I reviewed my credit reports from XXXX, XXXX, and XXXX. All were stellar -- no defaults, all bills paid on time, all closed accounts were left in good standing. I called XXXX, Wells Fargo 's supplier, to complain, and they threw it back on the bank, which in turn blamed XXXX.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

After the Equifax security breach, I am still unable to freeze my credit reports due to high volume on the online services as well as by phone. Additionally, these services will cost me personally when I need to lift the freeze, which is n't right.
Consumer complaint received 2021-08-07
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. (PA)

Equifax did not investigate the compliance issue stated in my letters. I was not verifying or validating any accounts. My letters demanded deletions due to your agency reporting accounts that would be result of being authorized or approved from a credit card based on The Congress ' definition of a credit card. Equifax also did not rebut my sworn and notarized affidavit that was mailed and received on XX/XX/2021. Affidavits are to be either rebutted with an affidavit or they are confirmed as judgement, therefore, my demands are to be met on the letter. You are also out of compliance since XXXX met my demands. All consumer reporting agencies are to have the same information if the accounts are the same.
Consumer complaint received 2021-08-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (IN)

I called Chase Bank, XX/XX/2021 at XXXX XXXX  who I have an existing mortgage with to speak with an advisor on refinancing. I was connected to a lady, who took all my personal information, ran our credit, took good faith money, and more. I was instructed to upload documents needed to continue, but was unable because she didnt email other documents or include pertinent information to my Chase account needed to submit the documents. When she did on XX/XX/2021 at XXXX MST, I noticed the properties address Im refinancing on the Loan Estimate and all documents she mailed out to me to be signed, were incorrect. Ive been emailing and calling her since XX/XX/2021, without any responses. Ive also tried calling and emailing her manager informing him of the error, but no one has called or emailed me. This is the worst customer service Ive experienced with any business. How can I sign paperwork when information on it is incorrect and I have additional questions regarding this process. What Im afraid of is that shell treat my not signing these documents as a backing out and keep my {$500.00} Good Faith deposit.
Consumer complaint received 2021-01-22
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. (TX)

XXXX XXXX XXXX is reporting a derogatory item on my credit file with XXXX, Equifax and XXXX. This account does not belong to me and I have requested for specific documentation under Section 609, 611 FCRA which requires XXXX XXXX XXXX to provide specific information to me such as copies of authorization to pull my credit, the times and dates of the authorization to pull my credit, copies of any purported contracts or agreements. Although I have requested this information XXXX, Equifax and XXXX  continue to report the derogatory item on my credit report. As of the submission of this complaint XXXX XXXX XXXX has refused to provide the required information under Section 609 FCRA and XXXX, Equifax and XXXX  continue to report the derogatory item in violation of The Fair Credit Reporting Act. Please find my 4th Notice to ALL parties under Section 609, 611 FCRA.
Consumer complaint received 2021-04-27
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: EQUIFAX, INC. (GA)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I have some information on my credit report that I have identified under FCRA 605b as being fraudulent and XXXX  and Equifax. I am a victim of identity theft and have identified the items that should be blocked under FCRA 605b The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Accounts from XXXX XXXX with a balance of {$18000.00} that was opened on XX/XX/2018 Installment loan from XXXX XXXX  with a balance of {$28000.00} that was opened on XX/XX/2018 And inquiries from XXXX XXXX XXXX XXXX ( XX/XX/2018 XXXX XXXX XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX ( XXXX XXXX ) XXXX XXXX ( XX/XX/2018 ) XXXX XXXX ( XX/XX/2018 ) XXXX XXXX ( XX/XX/2018 ) I have asked the bureaus to block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. They are willfully not blocking this information thus breaking the law so I am submitting it here so they will be held accountable as well as proof that this information was indeed sent. 

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2019-08-20
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. (MS)

RE: XXXX XXXX XXXX/ XXXX XXXX        My complaint is against XXXX XXXX XXXX also known as XXXX XXXX. I currently hold a home loan with them! My mortgage loan was sold to them (XXXX XXXX) back in XX/XX/XXXX. Since my loan was sold to them, it’s been a total nightmare! They claimed my loan payments were late when they weren’t! And I just got with them. They have been calling and calling harassing me as if I’m not making my payments!  When I first connected with XXXX XXXX they told me when I could start making payments, which was told to me wrong when I spoke to them in XX/XX/XXXX. They told me by XX/XX/XXXX is when I could start making my payments.  Fast Forward a couple month..  I went to check my credit file, my credit file indicated that I was still with XXXX XXXX XXXX XXXX all the way until XX/XX/XXXX...although payment were going to XXXX XXXX.  I also was writing to XXXX XXXX (XXXX XXXX) trying to dispute this situation several times and also behind a late payment for XX/XX/XXXX...And need I remind you, I WAS SOLD TO THEM and this is happening. I did not hear back from them at all! After making several attempts to reach out to them, I noticed they have me late again for several months when I was not! When a Loan has been sold to another loan company, consumers are entitled to protection. Mortgage companies have a legal obligation to protect consumers during loan transfers. And I felt like I was not. I did receive a letter from XXXX that my loan had been sold but when I call XXXX, they told me to give XXXX a call. I never received the Transfer notice. So I did call XXXX and that’s when they told me I had time to make arrangements but I still end up getting a late. I was in good standing with my last loan company up until I was given to XXXX (XXXX XXXX)…I am sending copies of the payment History dates that I made payments before the XXXX   day late! Oh and why I ended with making payments before a XXXX day late is because how my payments started with XXXX.
Consumer complaint received 2019-02-20
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

First my father XXXX XXXX died XXXX, modification was approved for XXXX and XXXX and XXXX. Faxed in death certificate, trust, grand deed, XX/XX/2018, Wellsfargo lost, faxed XX/XX/2018 lost, proof faxed XXXX, had for almost 4 months! Get letter dated XXXX that I, XXXX XXXX am the successor, so faxed in signed letter and modificaiton package. Wellsfargo home mortgage locked account and lock my fathers checking and savings account ( still locked ) with under {$50000.00}. I did right thing with trust, letting all of Wellsfargo departments know about his death! I could have paid the mortgage if wasnt locked out and if the money wasnt locked since i am the beneficiary! So mad why im treated this way and did the right thing when father died!
Consumer complaint received 2020-09-09
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: VW Credit, Inc (CA)

Hi there. 
Im not sure if I followed the right steps, but this is the problem that Im having. In XX/XX/XXXX I was involved in a accident with my motorcycle that was bought with a loan trough Volkswagen Credit inc. I was hospitalized but I always been in contact with VW credit to understand better what was the right thing to do. I payed my monthly fee  on XX/XX/XXXX and kept a line of communication with constant phone calls. All of the sudden on XX/XX/XXXX, right after I make my monthly payment, Ive received a letter that was stating notice of our plan to sell the property. I did contact them via phone to figure what exactly was going to happen. An associate of VW credit had reinsured me at the the time and told me to wait until the motorcycle was sold at the auction. The motorcycle was eventually sold and the new numbers where available ( what I howe at the time plus the tow company expenses minus the amount due the motorcycle being sold at the action ) I contacted VW credit to discuss the situation. Tone where different since the beginning ( even the way that normally the number was working before this happened an automated voice system was answering, now a real operator was answering my calls ) and I was asked to pay in full or to contact XXXX XXXX a company that handle those situations for us. I couldnt pay the amount in full so I contacted XXXX XXXX to discuss my options. When I contacted them they didnt have my info in file, they say was a mistake and to check again. So after few calls and days my file popped at XXXX XXXX. I spoke with an operator and found a solution that was beneficial for both parties. For the next year or so I didnt really need my credit score number for any particular reason until last month where I figure that my score was lower  than 600 when I was remembering having over 780. I asked for a credit report and discovered that VW credit had kept file me negatively since XX/XX/XXXX with 4 REPOSSESSIONS in 2 different time ( XXXX/XX/XX/XXXX and XXXX/XX/XX/XXXX ) I didnt even know that they were still involved and I tried to understand with them what they were expecting me to do exactly, I never missed a payment and I was always there for find a solution that could have benefit both parties. Now my credit score is as low as ever I had XXXX agent suggesting me to dispute this, but she was saying that trough them I cant have the cancellation of this record and that will stick on me for 7 years! 
I think there is some macro mistakes here ( the 4 times Repossession of a crashed/ sold motorcycle is one of them ) Im originally from XXXX and I might not be the most knowledgeable person about this matter, what I know is that I never refuse to pay ( unless asked to pay in full ) I never been late with the payments and that I kept a line of communication the all time.
Consumer complaint received 2017-09-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Balekian Hayes, PLLC (NE)

XXXX XXXX XXXX sent a debt of {$470.00} to Balekian Hayes , PLLC. in XXXX of XXXX. Balekian Hayes , PLLC used XXXX XXXX for debt collection. 
I paid this debt in full ( {$470.00} XXXX in XXXX of XXXX. I have a bank statement showing this payment cleared and was paid to XXXX XXXX. In XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX Indiana XXXX XXXX XXXX attempted to collect this paid debt. I requested verification and that they cease all attempts to collect the debt, in writing in XXXX XXXX and I sent proof of payment XXXX bank statement copy ) in writing in XXXX of XXXX. In XXXX of XXXX, I received a call from XXXX XXXX XXXX XXXX XXXX attempting to collect this same paid debt. I asked that they provide proof I owe this debt. 

My concern is that I am being contacted for a debt that was paid in full and now the burden falls on me to repeatedly prove it when it should have been marked as paid when it was paid in XXXX.
Consumer complaint received 2020-12-11
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: Choice Recovery, Inc. (OH)

On XX/XX/2014, CHOICE RECOVERY add a derogatory mark on my credit reports. CHOICE RECOVERY did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2018-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (TX)

We disputed this charge with our credit card company ( Barclay ) to XXXX XXXX XXXX.  We signed up for this service while on vacation and after returning and investigating the company we found that it was Fraudulent inducement and under the direction of our attorney were told to not make any payments, dispute the charge, and cancel the card. We have received absolutely NO goods or services from this company. None. We disputed the charge but Barclay denied our dispute despite the fact that we have no goods or services received. Now it is showing up on our credit report and we have always had scores of XXXX and above until this hit our credit. We have never been late on a payment of any kind for any loan.
Consumer complaint received 2021-02-24
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 reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX,, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2020-12-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Received email from Equifax that my dispute results were ready. I am unable to access the results. Error message " states site can't be reached ''. However, when I try on my phone it tells me I don't have an account with them. This is an ongoing problem with these websites which continues to happen and I'm really fed up of not being able to access MY information when I need to.
Consumer complaint received 2021-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (PA)

I'm having an ongoing issue with PNC bank. The branch I'm having issues with currently is XXXX XXXX XXXX XXXX PA XXXX. There was a fraudulent check tryin to be withdrawn from my account. They did not file a report about this issue. They did not give me the options or measures to take because of this issue. My account is compromised and I want to know the next steps. They are not giving me the ID of the person who tried to cash the check either. The bank manager 's name is XXXX XXXX XXXX. I recieved an email from him on XX/XX/XXXX and left a voicemail for him. He called me XX/XX/XXXX but he told me to call the main number. I called the main number and there was no complaint in place. I tried to stop by the branch but he was not working. I left him another message and emailed him on XX/XX/XXXX with no reponse. Another amail was sent febuary XXXX and still no response. I need this issue to be resolved right away and a police report filed.