davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Arbor Professional Solutions, Inc. (MI)

As of currently the company has turned a XXXX XXXX XXXX XXXXXXXX XXXX  to my credit report under a debt collection agency called Arbor Professional solutions. Not only was I fully covered under a medical insurance plan that was never billed although presented but then it was placed on my credit report which medical bills aren't even allowed anymore. The company also tried to serve my parents with a subpoena to sue me for a debt that insurance should have and would have covered if proper procedures were followed. In accordance with the fair credit reporting act XXXX  arbor professional solutions, has violated my rights. 15 U.S.C 1681 section section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A sections 2 : it also states a consumer reporting agency can not furnish a a account without my written consent instructions. This is an error that is greatly affecting my credit score, my credit profile, my ability to acquire credit and my overall emotional state receiving daily calls and people coming to my home to deliver subpoenas.
Consumer complaint received 2021-05-01
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. (AZ)

A cell phone collection bill for {$79.00} happen to be incorrect and I never received a notice from collection company named XXXX XXXX. This dropped my score by 179 points, which I wasnt considered for a bank position due to this low score. 
In addition. XXXX XXXX credit card was paid and settled and continues to show a high balance. Ive tried submitting disputes to all 3 agencies. XXXX, Equifax and XXXX. No help. My scores were in the low XXXX just a month ago and now in the XXXX range due to one incorrect collection and a XXXX credit card which was settled to zero balance versus {$16000.00}. I need gainful employment and my score has been dramatically and unfairly reduced with my overall good payment status over the past couple of years. Please help!
Consumer complaint received 2017-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

XXXX keeps placing a paid off state tax lien on their site making my scores look bad. This lien was paid off way back when and completely removed back in XXXX XXXX. I have already contacted Equifax repeatedly as I was told that this is the only place they could have attained this information from. Equifax stated they would dispute it again and they then removed it or deleted it once more. They stated their info came from XXXX whom claims there is no lien. This is now the second time this is happening to my credit report without any explanation. The first time was a couple months ago and now again in XXXX XXXX. This needs to be stopped as I can not even tell what is accurate anymore and what is not, even though I know for a fact that the lien is not accurate since I have already had to verify it.
Consumer complaint received 2021-08-22
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: Experian Information Solutions Inc. (TX)

On XX/XX/2021 I sent out a letter to XXXX XXXXXXXX XXXX XXXX to dispute inaccurate information on my credit profile.For your records, I have enclosed a copy of my correspondence and mailing receipts with the collection agency. They have failed to validate this debt and I have nothing proving my obligation to pay this debt. This debt is not mine
Consumer complaint received 2021-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

A cell phone collection bill for {$79.00} happen to be incorrect and I never received a notice from collection company named XXXX XXXX. This dropped my score by 179 points, which I wasnt considered for a bank position due to this low score. 
In addition. XXXX XXXX credit card was paid and settled and continues to show a high balance. Ive tried submitting disputes to all 3 agencies. TransUnion, XXXX and XXXX. No help. My scores were in the low XXXX just a month ago and now in the XXXX range due to one incorrect collection and a XXXX credit card which was settled to XXXX  balance versus {$16000.00}. I need gainful employment and my score has been dramatically and unfairly reduced with my overall good payment status over the past couple of years. Please help!
Consumer complaint received 2023-03-27
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: Experian Information Solutions Inc. (LA)

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous request & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NC)

Resurgent Capital Services is in violation of the FDCPA by refusing to cease collection efforts after receiving written notification of my disputes against the collection accounts they claim I owe them money for. 

Resurgent Capital Services is also in violation of 15 USC section 1692 e ( 10 ) when they sent correspondence from XXXX XXXX XXXX on their behalf where XXXX XXXX XXXX claimed Resurgent Capital Serivces to be the creditor of the debts they claim I owe them which is provably false. 

The law is very clear regarding false misrepresentation and deceptive practices, and them allowing XXXX XXXX XXXX to represent themselves as creditors is false. The same thing happened to a consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resurgent Capital Services, and resulted in a bench trial and the conclusion was that Resurgent Capital Services had to pay {$250.00} per FCRA violation to XXXX XXXX They very clearly violated 15 USC section 1692 e ( 10 ) by doing the same thing to XXXX that they have recently done to me by allowing a company who represents them to send me correspondence that list Resurgent Capital Services as the current creditor which again is provably false. 

This correspondce from XXXX XXXX XXXX was also sent during a time when I had open disputes against Resurgent Capital Services regarding their inaccurate unvalidated credit reporting, and was also sent during the 30 day waiting period of receiving my written disputes. This is a violation of federal law which states that when a debt collector receives written notification a consumer dispute they must cease collection efforts for 30 days to complete a fair investigation. Unfortunately Resurgent Capital Services failed to abide by this law. 

I do not and have never had a contractual obligation of any kind with Resurgent Capital Services, nor can they provide any documentation showing that I have a signed contract with them regarding the two accounts they say I owe them money for. In fact, in XXXX of this year I requested for Resurgent Capital Services to provide a sworn notarized statement by a person who originally had knowledge of the alleged debts and they have failed to provide such documentation, and are continuing to report the negative tradelines. 

I also believe that Resurgent Capital Services is in violation of 15 USC section 1681 a ( b ) which prohibits collection agencies from reporting payment history on collections accounts. I have printouts of my credit reports from all three credit bureaus that show that they are reporting payment histories on collection accounts which is a very clear violation of the FCRA. 

I am demanding that they address and resolve my claims by deleting the negative tradelines from my credit reports and to cease from selling the collections accounts to another entity with prejudice. And this goes for both negative tradelines they are currently reporting.
Consumer complaint received 2022-09-16
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 XXXXXXXX has me at a score around XXXX  That is a huge difference. XXXX paints me as a Bum. 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 XXXXdays 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 XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-08-22
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: EQUIFAX, INC. (TX)

On XX/XX/2021 I sent out a letter to Equifax Credit information Services to dispute inaccurate information on my credit profile.For your records, I have enclosed a copy of my correspondence and mailing receipts with the collection agency. They have failed to validate this debt and I have nothing proving my obligation to pay this debt. This debt is not mine
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Spring Oaks Capital, LLC (AZ)

XXXX XXXX XXXX has been contacting my parents with text messages that include information about the amount of my debt owed. Repeatedly. Nearly every day. I did not give them permission to contact my parents about my credit card account and never gave them their contact information. The texts being sent are as follows : They keep coming down in what it will take to resolve this. 
This message is from Spring Oaks Capital , LLC. 

We are willing to accept {$330.00} to resolve your XXXX XXXXXXXX account originated by XXXX XXXXXXXX XXXX, which is now owned by Spring Oaks Capital SPV , LLC, for less than the full balance. 

We want to see you succeed, so we request that you review and take advantage of this offer by XXXX. We are not obligated to renew this offer. Please contact us if you need more time to reply to this offer. 

To view this offer, go to XXXX. If you have any questions, reply to this text or contact XXXX of our representatives at XXXX. We have agents ready to respond during normal business hours. 

We are a debt collector. Click here for important disclosures https : XXXX. Reply STOP to opt out.
Consumer complaint received 2021-06-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (VA)

I was approved for and incurred a debt consolidation loan from Upstart ; however, Upstart has not disbursed funds on the loan. The loan is accruing interest, and I have made my first payment on the loan. I have also personally paid off the debt this loan was intended to consolidate. I have called Upstart daily requesting information on the status of the disbursement but have not been helped. I have requested they provide a new amortization schedule for the loan based on a new disbursement date or cancel the loan altogether, but so far they are not willing to take any action on my behalf. The loan is reporting to the bureaus and is affecting my credit score. Please help me resolve this by either receiving the funds or terminating the loan altogether.
Consumer complaint received 2021-05-01
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. (PA)

I have called numerous times in regard to my credit profile with Experian. In my attempt to purchase a car from XXXX I was sent the wrong scores which gave me a huge interest rate. I decided to login to Experian only to see that the issue I tried to resolve is still there. My account is being hack and information being changed. Everytime I updated someone has access to change it again. My email is wrong, my address is was wrong and my name is NOT XXXX XXXX XXXX. My credit score gave me a 20.99 % interest on a loan. I also see I can't dispute anything on their site. There is a random company who recently added a collections account to my credit profile. XXXX  has already removed this fraudulent reporting but Experian will not givee the option to dispute. I have 7 days to resolve this so an update with my interest rate with XXXX  can happen. I have a XXXX XXXX  child that requires this car and I definitely can't afford the extra interest because of this scam. I do want my car but they should pay the extra interest if it can't be resolved in a timely fashion. The are letting this man destroy my life and doing absolutely nothing to resolve it. Everytime I call I'm lead around in circles with no results. I don't deserve this.
Consumer complaint received 2021-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION (CA)

I have been checking my credit reports and noticed negative accounts being reported. I have written letters via certified mail to the company asking for the company to please verify the account they are reporting is actually mine since I have no knowledge of these accounts. Per Fair Credit Reporting act the company has 30 calendar days from the time the letters are received to verify the account and send me proof. They did not do this. They also must report to the bureaus they are reporting to that the accounts in question have been disputed. They also did not do this. That is a major infringement on my rights and they have broken federal laws. I have time stamped documents of all communication with this company. I have informed these companies of the laws they have broken and asked them to remove the negative accounts they are reporting and they have refused to do so.
Consumer complaint received 2021-05-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (WI)

Dovenmuehle employees getting kickback from a crook  that stole XXXX XXXX XXXX XXXX XXXX see XXXX XXXX then XXXX {$6.00} bill tax asset.  " 08extraordinary year 'XXXX wink Stolen from U.S.! so he has cash to buy off Dovenmuehle with kickbacks. He is buying home for XXXX the value of a stolen XXXX XXXX valued home of a senior citizen!! 
identity theft, ( driver 's license stolen and forged deed ) she made payments for 42 years on the same Property, the Identity theft, forgery, deemed Credible by fbi XXXX office, SEC XXXX XXXX Id theft guy Stole {$80000.00} cash out stolen 2 recent mortgages identity theft.
Consumer complaint received 2021-01-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XX/XX/2021 To Who It My Concern My name is XXXX XXXX. I have a complaint against Bank Of America employees XXXX XXXX and his supervisor XXXX XXXX. XXXX XXXX informed me that Bank of America stop processing my mortgage application. The reason they stopped processing the application was unreasonable. I couldn't get an updated 401k statement. The virus was the reason i was unable to get an update statement. I need and have asked for a letter from Bank Of American stating I am not getting the mortgage. They refuse to give me the letter. Now, I am unable to get my Earnest money back. Thats the money I put down on the house I was going to buy. Please help me. I dont know what to do. I feel they are acting this way because I am an XXXX American women. 


XXXX XXXX XXXX ext XXXX email : XXXX XXXX XXXX at XXXX, ext. XXXX, email : XXXX. 







Thank You XXXX XXXX XXXX
Consumer complaint received 2021-10-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

There have been 9 transactions between XX/XX/XXXX and XX/XX/XXXX. 
These 9 transactions were charged to my checking account using my debit card. 
The vendor on these transactions appears to be XXXX. 
However, I have spoken with XXXX. The transaction number on my bank statement doesn't match the pattern or number of digits they use on their transactions. They searched their records for my name, debit card number, address and were not able to find any transactions matching my information. 

It appears as though someone created a merchant account and is pretending to be XXXX. 

The fraudulent transactions are as follows : XX/XX/XXXX {$97.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$70.00} XX/XX/XXXX {$110.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$110.00} XX/XX/XXXX {$96.00} XX/XX/XXXX {$90.00} XX/XX/XXXX {$50.00} I have reported this fraudulent activity to ( the real ) XXXX and my local XXXX Police Department ( Police Report # XXXX )
Consumer complaint received 2021-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021 I sent out a letter to XXXX XXXX  XXXX XXXX to dispute inaccurate information on my credit profile.For your records, I have enclosed a copy of my correspondence and mailing receipts with the collection agency. They have failed to validate this debt and I have nothing proving my obligation to pay this debt. This debt is not mine
Consumer complaint received 2021-10-13
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. (TX)

This account is still reflecting on my consumer report as " charged off '' with a {$0.00} balance. It was closed but not removed as requested per the previous report I submitted. Please block and removed per 15 USC 1681c-2.
Consumer complaint received 2024-03-18
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (NC)

ON XX/XX/XXXX A NEW COLLECTION CAME ONTO MY REPORT UNDER THE NAME TRANSWORLD SYSTEMS STATING ACCOUNT WAS OPEN ON XX/XX/XXXX FOR ORIGNAL CREDITOR NATIONAL GRID. I HAVE NEVER RECEIVED ANY TYPE OF COMMUNICATION FROM THIS COMPANY NOR HAVE I RECEIVED COMMUNICATION FROM NATIONAL XXXX. IN RECENT MONTHS NATIONAL XXXX WAS DELETED OFF MY CREDIT REPORT AS THIS IS NOT MY DEBT I HAVE NOT LIVED IN NEW YORK FOR YEARS AND I WAS NEVER CONTRACTED WITH NATIONAL XXXX  NOR WAS I CONTRACTED WITH TRANSWORLD SYSTEMS THIS COMPANY NEVER SENT ME ANY PAPERWORK NO PHONE CALLS NOTHING I WASNT EVEN GIVEN TIME TO DISPUTE THIS DEBT WHICH I WOULD HAVE DONE SINCE THIS ISNT MY DEBT. THIS ACCOUNT POPPED UP OUT OF NOWHERE IM NOT SURE HOW THIS IS EVEN LEGAL TO SAY AN ACCOUNT WAS OPENED 3 MONTHS AGO BUT IVE NEVER ONCE HEARD OF IT UNTIL IT NEGATIVELY RUINED MY CREDIT REPORT.
Consumer complaint received 2022-04-26
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. (WI)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX, XXXX  XXXX 15 U.S.SC 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 a account without my written instructions