davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Northstar Location Services, LLC (AR)

My Name is XXXX XXXX XXXX and I am writing to file a complaint against Northstar Location Services concerning a recent soft inquiry on my credit report. I noticed that Northstar Location Services conducted an inquiry on my credit report without my explicit authorization. Given that I do not recall initiating any transaction or agreement with this company, I am concerned about the legitimacy of this inquiry and the potential implications it may have on my credit profile. 

Furthermore, I am requesting validation of any debt that Northstar Location Services claims I owe. I have not received any formal communication from them regarding this alleged debt, nor have I been provided with any documentation that confirms its validity. Just in case I was a victim of identity theft and In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that Northstar Location Services provide written verification of this debt, including the original creditor 's details, the amount owed, and any supporting documentation. 

Please investigate this matter and assist in ensuring that my credit report remains accurate and that my rights are protected. 

Thank you for your attention to this issue. 

Sincerely,
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-05-14
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: EQUIFAX, INC. (UT)

delete hard inquiries ccordance with the Far Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Jection 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRSTBANK PUERTO RICO (FL)

On XX/XX/XXXX my lease account with First Bank in Puerto Rico was paid in full. On XX/XX/XXXX the  account was shown in the credit report with " Collection '' status and indicating missing payments on XX/XX/XXXX and XX/XX/XXXX. Letters and personal handling of the payment in full documentation was provided to First Bank with their response indicating that the corrections will be performed. 

On XX/XX/XXXX during the purchase of a new car, the credit report on XXXX still indicates the account on the same status : Collection and with missing payments on XX/XX/XXXX and XX/XX/XXXX. Communications were made again with First bank with the same indication that the situation will be corrected. The interest paid to have the car were higher that the average due to this report. 

A new credit report was received from XXXX, with this account on the same status. A call with First bank was performed today, XX/XX/XXXX,  with XXXX XXXX at XXXX from First Bank and her indication was that they have the documentation that was provided on XX/XX/XXXX, but no correction was made.
Consumer complaint received 2022-01-05
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Block, Inc. (NC)

Cash app closed my account for no reason now has my money on the account Nd I cant access my money or cash out my money cash app disabled my card XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I appreciate your time to REMOVED some of the items in my file that resulted from an alleged identity theft but I have an ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this issues in a previous letter and XXXX & I am including it here again with the new attached XXXX report. Ive informed my attorney of my intentions & they are excited to hold you accountable in case of your willful noncompliance : 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please note that you have 4 business days to REMOVE the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX NEW YORK, XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$1900.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} Chapter 13 Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter 7 Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter 7 Bankruptcy XXXX XX/XX/XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XXXX Balance : {$980.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3300.00} XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is XXXX. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

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
Consumer complaint received 2016-02-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

My FHA home loan was sold from XXXX XXXX XXXX to Nationstar about 2 years ago. During the past 2 years I have repeatedly asked to be provided an itemized list of debits and deposits to my escrow account ( my county property tax, mortage insurance premium and home owners insurance are handled through the escrow account ). I believe I have been overcharged mortgage insurance often times being charged 2 to 3 times a month for mortgage insurance. Suddenly XX/XX/XXXX my MIP decreased from XXXX to XXXX without explanation. Further I have had to demand this information because until about 2 months ago it was not provided on my statements.
Consumer complaint received 2024-05-13
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MN)

I tried to use my American Express gift card on XX/XX/XXXX and XXXX to pay for a room charge of {$220.00} at the XXXX XXXX XXXXXXXX, XXXX, IL. The card was swiped onsite and appeared to have been accepted. The next day I received a call that the charges had not gone through. I then tried to work with the director of operations to process the card. Over and over, he was receiving the error that the security code was missing, when in fact he was typing it in. He then sent me a card authorization form and I typed in the information myself, including the auth code, card number, expiration date, etc. I received the same error. 

Upon calling American Express, they informed me that the credit card processor ( XXXX XXXX XXXX XXXX ) requires a name on the card. I had previously used this card at another hotel so did not anticipate this hurdle and had planned to use this gift explicitly for this purpose. American Express told me that there is nothing that they can do, and XXXX also could not process the card physically. Now I am forced to put the room on another credit card that I can not use my current gift card to pay the balance of.
Consumer complaint received 2024-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account name : XXXX Account number : XXXX Account name : XXXX Account number : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX Equifax are all reporting a collection, originating from XXXX I guess, on my credit file. 
I filed an FTC Identity Theft, report number XXXX, & sent it in, along with this cover letter, * SEE ATTACHED FOR ALL*, stating that it was identity theft & to please delete it from my credit report along with copies of my passport and my social security card on the XXXX of XX/XX/2024 & mailed it to all 3 bureaus, XXXX XXXX XXXX Equifax XXXX it came back verified I called again & spoke to XXXX and then XXXX & received a Case Number XXXX asked to speak to a supervisor that I wanted to escalate the matter, I was told I would receive a call back in two days, I never did. 
Equifax XXXX XXXX are still in process? or? Im not sure but I havent heard anything yet I want this derogatory information removed from my report as it hurts my chances of obtaining credit, housing and employment
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I just checked and reviewed again my Equifax credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Northstar Location Services, LLC (WI)

I purchased an extended auto-warranty policy, the only charge recurring on my only credit card. The only time I used the service, I waited 2 hours for a tow truck to tow my car about 4 city blocks. I handed the tow driver my only key-fob ( he asked for it ).

My vehicle was towed & I never saw the fob again. The auto shop owner where it was towed, told me that the tow driver had destroyed it.

I had so much trouble dealing with them, I canceled the policy. My only credit card continued to get charged ( it had a small limit ) and my fob is gone forever. Somebody owes me something. 
The policy manual clearly states that a partial reimbursement is due upon a request to cancel policy, & I want my fob reimbursed at cost. Reimbursement= XXXX XXXX XXXX debt cleared/ pd in full= $ XXXX {$1000.00} for harassment/damage to credit. 
Because the policy cancellled at my request, the card continuing to get billed, it eventually damaged my credit, still damaging. 
The card company offered a dispute resolution, suggesting paying the balance in full. 
The debt collector has called several times a day, sending 2-3 harassing letters per week for months, and worse, the warranty company emailed me last week, XXXX week in XX/XX/year> to come back as a customer??? No.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX You are in direct violation of The Fair Credit Reporting Act XXXX has violated several of my rights. 

15 USC Section 1681 Section 602 A. Clearly states that I have the right to privacy.

15 USC Section 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC Section 1666B. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update thi account immediately as you are in violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Consumer complaint received 2023-05-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ascension Recovery Management (OH)

I received a letter in the mail today XXXXXX/XX/XXXX from acension recovery management llc stating they are trying to collect a debt that I owe XXXX XXXX XXXX XXXX XXXX. I am unaware of this debt and tried to call the number provided to dispute ( XXXX ) and also the number on their website ( XXXX ) multiple times to each number and my call never gets answered nor do I have the option to leave a message. The letter states I have 30 days to dispute this charge which I am trying to do but nobody answers the phone at either number during business hours.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to inform you that the associated account linked with XXXX XXXX has undergone successful discharge through the Internal Revenue Service ( IRS ) via a 1099C form. Attached herewith is Copy B of the processed 1099C from the IRS for your reference. 

As a direct consequence of this account being settled and discharged by the IRS through a 1099C, I hereby request the immediate deletion of the collection balance currently being reported on my consumer report under the names and alias " XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation.
Consumer complaint received 2024-05-12
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: SYNCHRONY FINANCIAL (IL)

I was trying to buy a house and realized I had damages to my credit report. According to the 15 U.S.C 1681 law, there should NOT be any damages to my credit report. it is a defamation to my character.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.