davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have reviewed my Credit Report and seen a Number of Fraudulent Accounts and Inquiries. I have contacted the Creditors and they stated that they have No Evidence of my Credit with them.
Consumer complaint received 2020-05-01
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. (OH)

All my accounts with XXXX  has been closed since XX/XX/2020 due to loan consolidation with XXXX XXXX i called XXXX   and they was to update my credit report at the end of XXXX like the other loan servicers did and they failed to update credit reports correctly
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (FL)

As of XX/XX/XXXX Shellpoint purchased my loan from XXXX I had a balance with XXXX of {$130000.00} and paid of {$7000.00} before they took over now I have a balance of XXXX. I also began a modification review with Shellpoint in XXXX of XXXX because I couldnt pay XXXX of mortgage and it went up again to XXXX so I requested a modification I fell behind but always paying. On XXXX I requested a modification and they continued to charge late fees, and other fees while under review. I then got an approval letter in XXXX XXXX, XXXX to immediately begin paying a trail payment of {$960.00} beginning XX/XX/XXXX not giving me a chance to recover what I was behind XXXX and XXXX. They have since reported me to all three credit bureaus at a highe mortgage payment owed XXXX instead of what I actually owed thats unclear {$130000.00} and Late payments for the months in which I was under review for the modification affecting my credit by aproximately 40 points from where I was hurting my credit. Covid 19 took a toll on everyone and Shellpoint didnt take this into consideration and continued to report my balances incorrectly and lateness while under review.
Consumer complaint received 2018-06-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Northstar Location Services, LLC (IL)

A soft credit report was done by NorthStar Prime Credit Cards on XX/XX/2018. I have never done business with this company. 

On XX/XX/2018 a voicemail was left on my phone from NorthStar Location Services. 

Before and after XX/XX/2018, my parent 's phone was contacted once a day for months. I have phone records. I contacted NorthStar Location Services and asked them to verify whatever the debt was. In that letter, I also gave my address and contact details. I asked them to only contact me by mail and stop any phone calls or robocalls. They did not! They had my contact details and continued to contact my parent 's phone after I gave them my contact. Their phone number is not on the XXXX soft credit pull they did I notified NorthStar Location Services, I am going by their soft credit pull as I wouldn't have known about it if I didn't have credit monitoring, ( before 30 days and I have Certified Mail receipts - they received my letter on XX/XX/2018 ) that I disputed the debt and after asking NorthStar Location Services to validate a debt they did not respond in 30 days. I eventually found the original letter from NorthStar luckily I disputed within 30 days and have my rights per FDCPA. NorthStar did continue to collect without contacting me. I then sent them a letter to cease and desist. They continued to call my parents number, XXXX, after they had my contact info - this is harassment - and they still continue to call my phone!!!! NorthStar is working with another company, XXXX XXXX XXXX. XXXX  never contacted me after I asked NorthStar to  validate within 30 days. Neither company validated or contacted me per FDCPA. XXXX XXXX XXXX has put derogatory marks on all three of my credit reports even after and NorthStar failed to validate. After XXXX hit all of my credit reports I asked them to validate. I got no response. This is reporting illegally. 

I did dispute the debt with NorthStar before 30 days. I misplaced the first contact letter they sent me. I still validated in the time prescribed per FDCPA and received no answer. I will include that letter and I will also include the letters I sent NorthStar Location Services and XXXX XXXX XXXX. 

I have also sent this to the Illinois Attorney General 's Office, XXXX XXXX.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (OH)

All my accounts with navient has been closed since XX/XX/2020 due to loan consolidation with XXXX XXXX i called navient and they was to update my credit report at the end of XXXX like the other loan servicers did and they failed to update credit reports correctly
Consumer complaint received 2020-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (GA)

EOS CCA Debt in the amount of {$560.00}. I have disputed this information with the company. I have also reached out to XXXX the original creditor they claim the debt is from and filled fraud investigation with XXXX. Eos cca still have not removed the negative information from my credit reports which only reports on XXXX and XXXX.
Consumer complaint received 2018-06-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. ()

I sent ltc to my wallet today. On top of that, I received a notification that my transaction was suspended for 72 hours. But I need the money very soon. 

It was coinbase.com Referenz-Code : XXXX XXXX. XXXX 2018 XXXX LTC
Consumer complaint received 2020-06-30
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: EQUIFAX, INC. (CA)

Today XX/XX/2020 I was made aware of a few accounts on my credit report that do not belong to me. The accounts are from these companies XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX  XXXX. I have never opened an account with any of these companies nor did I benefit anything from these accounts that were opened in my name without my permission such as money, goods, services or any other benefit nor did I ever make any payment towards these accounts. I do not have any written/verbal contract with these companies and I never allowed them to run my credit. I don't know who is responsible for opening these accounts without my authorization but I have already filed a police report in hopes of getting my name & credit reputation cleared.
Consumer complaint received 2020-05-01
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. (NY)

There is inaccurate information that keeps getting " verified '' by equifax. XXXX XXXX is reporting negatively and its paralyzing me from moving. XXXX has told me they removed this account on XX/XX/XXXX but it still remains. Its removed off of XXXX. They told me 60 days which makes no sense and damages are still occuring. 

I called equifax to mail them the letter of proof from XXXX  but the unprofessional foreign agent would not oblige. I shared with him im a XXXX veteran unable to send this document by mail and he told me thats it tough luck pretty much. 

This is not right! EQUIFAX HIRES THE CHEAPEST PEOPLE WHILE IT AFFECTS MY LIFE I NEED THE FAX NUMBER AND THESE ITEMS DELETED THIS IS AGAINST THE LAW!! 

Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo morgage have add Credit changes on XX/XX/XXXX My credit was down -23 pts, with reason, payments have been on time for the past 5 years, I call them they referred me to this company, do to they dont see a reason why this was create for me. 
WELLS FARGO HOME MORTGAGE Remarks are meant to make your report more clear. If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. 
Between XX/XX/2020 and XX/XX/2020 the following remark was added to this account : Account in forbearance
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) 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 in accurate. I'm requesting that the accounts above be deleted immediately.
Consumer complaint received 2020-07-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

MONTH REPORTED : XX/XX/2020 AS A PAYMENT-BY-PHONE CUSTOMER, I CALLED ON XX/XX/2020 AT XXXX EASTERN TIME AND WAS PUT IN QUEUE WITH A CUSTOMER SERVICE REPRESENTATIVE WILL BE WITH YOU SHORTLY. 

I WAITED FOR TWO HOURS AND 16 MINUTES LISTENING TO THE RECORDING AS I HAD CALLED IN BEFORE CLOSING HOURS ON THAT DAY. 

I WORK FOR XXXX XXXX AND WE DO NOT GET PAID UNTIL THE END OF THE MONTH SO I MUST WAIT UNTIL MY PAYCHECK ENTERS MY ACCOUNT BEFORE CALLING INTO CAPITAL ONE. I HAVE BEEN DOING THIS FOR MANY MONTHS. 

BECAUSE OF A PROBLEM IN THE CAPITAL ONE PHONE SYSTEM CAPITAL ONE AUTO FINANCE REPORTED MY PAYMENT LATE AND MY CREDIT SCORE DROPPED 35 POINTS. 

I WOULD LIKE THIS DEROGATORY ENTRY REMOVED FROM MY CREDIT REPORT AND MY CREDIT SCORE RESTORED BECAUSE OF THIS OBVIOUS PROBLEM WITH THE CAPITAL ONE PHONE SYSTEM ON THE DATE STATED. 

MY SUPPORTING DOCUMENTATION IS THE SCREENSHOT OF THIS OCCURRENCE AND CHAT WITH CAPITAL ONE ASSISTANCE VIA XXXX. PLEASE NOTE, THEY TOOK DAYS TO REPLY WITH A SOLUTION. CHECK DATES ON ATTACHMENTS.
Consumer complaint received 2020-07-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Sent an Ability to Benefit application to Navient on XX/XX/2020. Navient has not responded with a conclusion until this very date, and has not kept me inform of any updates or changes they may have done, besides a letter stating that they are investigating, which has been quite some time. The address of the school in question was included along with other documentation in the application.
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (PA)

I would like to dispute the account that  XXXX   XXXX   XXXX  #  XXXX  has reported on my credit file. I sent a certified letter to the company by mail to the address provided online from the credit bureaus for  XXXX   XXXX  as 100 % accurate. The letter was returned to me as undeliverable and I provided a copy of the letter and a copy of the address provided by the credit bureaus along with this request. Please remove this off my credit report, the company is not accessible and can not prove this account is 100 % accurate. This is a violation according to The Fair Credit Reporting Act,  15 U.S.C. 1681 . This account is hurting my credit profile and I request that you remove it immediately. Please see the attached documents showing my attempt to contact  XXXX   XXXX .   Thank you in advance
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NY)

Original application for credit card denied by an automatic system based on 7 years old bankruptcy on the record. Requested review of original application, denied on the same bases. Spoke to multiple customer service reps on XX/XX/XXXX, including low level manager who said I will be contacted by higher level manager within 24 hours, who is not available on weekends. No call back received. Called back on XX/XX/XXXX, put on hold for 40 minutes just to be informed by account XXXX that their " systems are down '' and I have call back the next day. Just for reference, applying for Chase Flex with Credit score of XXXX and income of {$110000.00} with not a single payment missed in 7 years.Total round around.
Consumer complaint received 2022-09-12
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. (CA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 6. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX XXXX  Account Number : XXXX Delete this account. XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX  Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX. The following personal information is incorrect PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX AZ Account Number : XXXX XXXX. The following personal information is incorrect Employer XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. The following personal information is incorrect Employer XXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2020-05-01
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

I now have a temporary hardship forebearance plan agreement. 
Due amount by XX/XX/XXXX, is {$5900.00}. 
My case worker is XXXX XXXX. 
Yet, today a get a letter that shows assessed expenses of {$6000.00}. 
And at the end of letter it has an attorney and states attorney start foreclosure proceedings. 
And before remitting payment I have to call that attorney? 
I called in the past and I'm not dealing with him. 
The case manager in her letter never mentioned this from letter dated XX/XX/2020. 
I'm unemployed. 
And my health is not well. 
Why the double switch? 
I'm at a loss and about to enter a lawsuit against this company about the attorney and foreclosure.
Consumer complaint received 2018-06-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

My dispute is against XXXX XXXX XXXX XXXX My wife and I attempted to refinance our home last year and discovered a lien in my name filed in the land records of XXXX XXXX , Georgia . Pursuant to lenders instructions, we had to satisfy the {$1400.00} lien at or before closing. My wife and the lender attempted to contact the creditor to no avail. I contacted an attorney in XXXX to assist with acquiring the necessary information from the creditor to satisfy the lien. The attorney contacted several attorneys before finding the firm handling Midlands accounts. It was discovered that the creditors attorney failed to comply with Georgia law and re-file the lien within the seven year period from the original filing date. Therefore, under Georgia law, the lien was expired. However, the title company informed our attorney that the lien must be cancelled of record in order to obtain title insurance for the refinance transaction. Herein lies the problem, representatives from the creditors attorney stated there was no money due for the account in my name. When our attorney asked for a cancellation of the lien, the creditors attorney would not cancel the lien in the county land records. My wife and I asked our attorney to obtain the amount to pay off the debt. Again, our attorney contacted and spoke with several persons with the firm handling Midlands account and could not even obtain an amount to pay the debt off. We have been trying to refinance our home since XX/XX/2017. We can not refinance our home due to Midlands failure to release the lien or provide an amount to pay off the debt. Also, we have suffered significant damage because the interest rate locked by our lender has expired. We were not waiting for approval to refinance, but ready to close the transaction. Our attorney has suggested a suit against the creditor for slander of title. However, it our position that extra money on our part should not be spent. We are willing to pay monies to the creditor, if we can speak to someone with authority to handle the situation. We would like any assistance in being able to contact XXXX XXXX to release the lien or negotiated a payoff for satisfaction of the debt. Thank you.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

THESE HARD INQUIRIES WERE ATTACHED TO MY CREDIT REPORT WITHOUT MY CONSENT XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (TX)

This company, Commonwealth Financial is attempting to collect debt on an medical debt that is not owed to them nor have I ever had an account with Commonwealth Financial. Also, the reporting date is incorrect and the amount is reported incorrectly twice as two entries on my credit, further damaging my score.
Consumer complaint received 2018-06-25
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. (CA)

I called TransUnion today XX/XX/2018 and spoke with representative, I stated to him that, I have some recent unsolicited credit inquiries that have been added to my credit profile. 

I also stated to him that I was at one time a victim of fraud and that there should be a statement on my credit profile stating that " Must call consumer 'me ' to verify that it is really me applying for credit '' He said that there is nothing he can do about the inquiry and I must do it myself. How is that creditors can put information on your credit profile and the credit reporting agency can't do anything about it.
Consumer complaint received 2020-07-19
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. (IL)

THESE ACCOUNTS ARE STILL REPORTING INACCURATELY WHICH IS A FCRA VIOLATION. I HAVE NOT HAD PROPER INVESTIGATION RESULTS AND I AM UPSET PLEASE REMOVE THESE INACCURATE ACCOUNTS IMMEDIATELY.