davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-28
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC (TX)

NorthStar Location services out of NY has contacted many of my family members, friends and even an ex ( who I haven't been with in 7 years ) SEVERAL times in the last 6 months. I have and others have told them to stop calling or harassing. I put my number on the do not call and then also have not sent me anything in the mail, ALL has been phone calls. There has to be some kind of relief against this type of harassment and embarrassment they have caused our family.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (PA)

I have been receiving unwanted credit XXXX  calls, up to XXXX a day even though I am on the DO NOT CALL list. It appears that Experian is the XXXX  since ALL the telemarketers mention that they are the ones who have provided them with my number. I have not been able to speak with anyone, or, found anywhere on their website to lodge a complaint. So hopefully you can help. Thanks XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC XXXX XXXX report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my XXXX XXXX claim. As per 15 U.S.C. 1681e-2, upon submission of an XXXX XXXX report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from XXXX XXXX within XXXX business days. The following information on my credit report is the result of XXXX XXXX and should be blocked : I am writing to notify you that I have fallen prey to XXXX XXXX. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX, NUMBER : XXXX.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

After reviewing the credit file from Experian. Noticed credit report has two late payments from XXXX XXXX Auto Account : XXXX Account status Closed Date opened XX/XX/2018 Account type Auto Loan Balance Loan Amount {$0.00} Two late payments display incorrectly. I'm exercising my rights from FCRA to review inaccuracies from credit reporting
Consumer complaint received 2023-02-07
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/2022 wells fargo made a payment on a court ordered, withdrawing almost {$1000.00} from my savings account. Wells Fargo did not verify nor confirmed the information before unlawfully withdrawing that large amount. To make it worse it was done a day before XXXX therefore canceling our family plans. The court order was not for either my husband or I, wells fargo was wrong by not verifying that they were taking it from the correct account. Wells Fargo had our money for 7 days trying to decode if a mistake was done. XXXX offered a small compensation, does not make up for our time lost with family during XXXX. Are we able go seek Compensation?
Consumer complaint received 2022-06-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AR)

I have had complaint w/this company last year they overcharged on escrow fee 's which i had to issue a complaint and it was resolved where they had to retract the $ $ they were trying to charge me. I tried to refinance w/another lender but couldn't do it due to not saving enough $ $ this company purchased my home mortgage last year. This year my payment has gone up XXXX they are trying to charge me a anticipated amount with a required amount for escrow of {$1100.00}. I am not willing to pay these charges they are committing FRAUD on the comsumer and need to be shut down. They have serveral complaints against them for same issues.
Consumer complaint received 2022-06-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Oklahoma Student Loan Authority (IL)

OSLA admitted to sending the loan to XXXX as promised but never did it after making the promise to send it. I have an attachment as proof. 

backstory : Department of Education contacted OSLA and told them to hand over All of my loans to TOTAL AND PERMANENT DISABILITY SERVICER. They told them they had 120 days. OSLA ignored them and has not even acknowledged what they were told to do. They have poor customer service and discrimination.
Consumer complaint received 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Found : Social Security Number Potentially Breached Site : XXXXXXXX - breach occurred in XXXX, XXXX On XX/XX/XXXX, XXXX announced that all XXXX locations, POS and gas pumps were potentially affected by a malware data breach that exposed customer payment card information between XX/XX/XXXX through XX/XX/XXXX. 

Connects XXXX takes the security of your funds seriously. Your card has been identified as a compromised card that was used at XXXX during the data breach. 

on XX/XX/XXXX XXXX, we found your Social Security number on a Dark Web site View Details Your Social Security number has turned up on one of the thousands of Dark Web sites we monitor each day for you. This activity does not necessarily mean that you are the victim of identity theft, but your personal information may be vulnerable.
Consumer complaint received 2022-06-17
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)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - 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 XXXXXXXX 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 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I HAVE REQUESTED BY EXPERIAN ON NUMEROUS OCCASIONS A PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CUSTOMER CONTRACT. I HAVE DEALT WITH RUDE AGENTS AND BEING PLACED ON HOLD FOR INORDINATE AMOUNTS OF TIME.UNDER THE FRAC ACT SECTION 609 ( a ) ( 1 ) ( A ), YOUR COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I DEMANDED TO SEE A COPY OF THE ORIGINAL CONTRACT WITH A WET INK SIGNATURE ON IT. COPIES OF COPIES ARE NOT VALIDATION AND ARE NOT CONSIDERED PROOF THAT YOU HAVE ON FILE. UNDER THE FCRA LAWS UNVERIFIED INVALID ACCOUNTS MUST BE REMOVED. XXXX,, EXPERIAN HAVE NOT GIVEN ME PROOF AS INSTRUCTED. AS A RESULT OF THIS CONTINUOUS REPORTING OF FRAUDULENT UNVERIFIED ACCOUNTS. THIS ACCOUNTS WERE OPEN BY THE THIEF AND NOT ME
Consumer complaint received 2022-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is a response with the complaint that was filed on XX/XX/22. The Bureau stated Account Name and Account number was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. 

They also violated my rights under 15 U.S.C 1691 Section 604 A Section 2 : They law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 U.S.C. 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 U.S.C. 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified, they consumer reporting shall promptly delete the information from the file of the consumer.

This also violates the statue of limitations - Fair Credit Reporting Act - 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] I have included the supporting evidence with the discrepancies circled. The credit report with the date of XX/XX/22 was submitted initially. The report dated on XX/XX/22 shows there are still discrepancies and even thought the stated they verified and updated. They did not.
Consumer complaint received 2022-06-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (NM)

My XXXX XXXX XXXX was insured by XXXX XXXX I was involved in a car accident XX/XX/XXXX. My car was totaled lost so I didnt have a car insured. I did call XXXX XXXX  customer service and explained that I was looking to buy another car but they sed they were going to place my car insurance on hold until I purchase another vehicle not charged me just keep the policy going. So What am I getting charged for between XXXX and today
Consumer complaint received 2020-04-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

When ever I have a fraudulent charge and dispute it, capital one ALWAYs rules against me, after they demand more information, on charges I didnt make and have no records of. its ridiculous. How am I supposed to have information on charges I did not authorize? The first was something I actually purchased, a trailer for {$250.00}. the seller sent a rubberband, I disputed, capital one denied my claim. the last one, was today, XX/XX/2020, when I disputed a XXXX dollar charge that I never authorized, was also denied. their reasoning is I supplied no information. How am I supposed to have information on a charge i never authorized? worse bank ever.
Consumer complaint received 2022-06-17
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (AZ)

Midland Credit Management XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Re : Debt Validation Request for Multiple Accounts Dear Midland Credit Management, I recently reviewed my credit report and noticed several debts that your agency is reporting. These debts are listed under the following original creditors : XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX A FIRST ELECTRONIC BANK THE BANK XXXX XXXX XXXXXXXX I am writing to request validation of each of these debts, as required by the Fair Debt Collection Practices Act ( FDCPA ). Unfortunately, I do not have the account numbers for these debts beyond what was listed on my credit report. 
To ensure that each debt is fully validated, please provide the following information for each account : XXXX of the XXXX : The name and address of the original creditor, the original account number, and the amount of the debt that is being claimed. 
Proof of Legal Right : Documentation that shows you have the legal right to collect each debt, including any contracts, agreements, or statements that pertain to the debts. 
Assignment Contracts : Copies of the contracts that clearly show the assignment of these debts from the original creditors to your agency. These contracts should detail the terms under which the debts were assigned and transferred to your company. 
Account Histories : A detailed accounting of all fees, charges, interest, and payments made on each account from the inception to the current balance. 
Proof of Last Payment : Copies of the last payment made on each account, including the date and amount. 
XXXX of Limitations : Documentation showing whether the statute of limitations for collecting these debts has expired. 
Please be advised that I am also notifying the Consumer Financial Protection Bureau ( CFPB ) of this matter. I expect that all collection efforts will cease until this information is provided. Failure to validate these debts will result in the matter being considered closed. Thank you for your prompt attention to this matter.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

TransUnion lowered my score when a collection account was placed on my report. After proving that the account had been paid by insurance, submitting a dispute and having the account removed. My score was lowered yet again by TransUnion for the account being removed. I was told that the collection account having been removed, lowered my credit age and therefore was calculated negatively on my score. I don't believe you should be penalized twice, especially when the account has been removed because it never should have been there in the first place.
Consumer complaint received 2023-02-07
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: FIFTH THIRD FINANCIAL CORPORATION (OH)

Recently, I did an investigation on my credit report which has caused severe XXXX and XXXX  upon me, and found unverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

On XX/XX/XXXX The credit bureaus stated Fifth Third Bank account # XXXX was properly investigated and came back as verified. However, how is that true when there are several inaccuracies showing on my report. With that being said, the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This grounds for removal. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- description of reinvestigation procedure. 

Below is a list of inaccuracies on Fifth Third Bank account # XXXX Inaccurately opened account dates : XX/XX/XXXX and XX/XX/XXXX Inaccurately date opened balance : {$240.00} and {$200.00} Inaccurately last reported on the account date : XX/XX/XXXX and XX/XX/XXXX Inaccurate date of last payment : XX/XX/XXXX and XX/XX/XXXX Inaccurate date last active : XX/XX/XXXX and XX/XX/XXXX Inaccurate monthly payments : {$35.00} and XXXX
Consumer complaint received 2022-06-17
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

Mortgage was paid in full at close of escrow when property sold three years ago. Mortgage still shows as unpaid, delinquent and three years behind in payments. Title company paid off mortgage as part of closing process and provided wire transfer confirmation, as well as audited final settlement statement. Both document are available for upload to support my complaint. Currently trying to qualify for a new mortgage and learned that this incorrect reporting is impacting my credit score and ability to qualify.
Consumer complaint received 2020-05-11
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. (MN)

I contacted LVNV Funding LLC back in XX/XX/2020. The account was removed from XXXX XXXX. The account was sold to LVNV Funding LLC. This credit card was obtained fraudulently. LVNV Funding LLC has put the collection back onto my credit report as of today Monday XX/XX/2020. I would like this debt permanently removed from my name and removed from my credit report.
Consumer complaint received 2022-06-17
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times.  transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.