davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (OH)

FRANKLIN COLLECTION SVCS INC To Whom It May Concern, The reason for my dispute is FRANKLIN COLLECTION SVCS INC was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also FRANKLIN COLLECTION SVCS INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 FRANKLIN COLLECTION SVCS INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation FRANKLIN COLLECTION SVCS INC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where FRANKLIN COLLECTION SVCS INC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. If FRANKLIN COLLECTION SVCS INC even tried to contact me regarding this Fraudulent collection account I will sued for harassment. Please have them remove this collection account immediately.
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I sent Equifax several letter disputing inaccurate, inconsistent, and/or unverifiable accounts on my credit report. Each time Equifax would reply that the investigation is complete and the account was verified as accurate although in each letter I asked they provide me with proof a proper investigation was done and documentations that the proper procedures were made and information on who they verified the information with. Equifax has failed to supply me with the information
Consumer complaint received 2019-11-14
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 HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

State of XXXX XXXX of XXXX XXXX XXXX XXXX, being first duly sworn, deposes and says : Identity : I am the individual whose name appears on the credit report issued by on XXXX, Equifax and, XXXX XXXX. 
Reinvestigation : I would like a reinvestigation on these account pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( b ) ( XXXX ). 
Dispute of Inquiries : I dispute the accuracy of the following inquiries listed on my credit report 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 These inquiries were made in violation of 15 U.S.C. 1681b and 1681n, as they were not authorized by me or made for legitimate business purposes. 
Dispute of Collections : I dispute the accuracy of the following collections listed on my credit report : XXXX XXXX XXXX. These collections were reported in violation of 15 U.S.C. 1692g and 1692c, as they were not valid debts or were not properly communicated to me. 
Dispute of Charge-Offs : I dispute the accuracy of the following charge-offs listed on my credit report : MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. These charge-offs were reported in violation of 15 U.S.C. 1681e and 1681i, as they were not accurate reflections of my creditworthiness or were reported in error. 
Late payments : I dispute the accuracy of the following late payments listed on my credit report : XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and, XXXX XXXX XX/XX/XXXX. These late payments were reported in violation of 15 U.S.C. 1666b and 1637a, as they were not the result of my failure to make timely payments or were reported in error.
Consumer complaint received 2024-08-07
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. (OK)

I have submitted XXXX different disputes with Experian to remove something off my credit report. On the second dispute I submitted information from the company that had the account that they proved it was fraud and the account should be taken off my credit report. I have also contacted the company numerous times and they said they have submitted that it has been sent to have it removed off my credit report and that Experian has never contacted them throughout this process. 

Experian is not investigating like they should, and is refusing to remove this off of my credit report. Then they are also asking me for more documentation, like a copy of my Drivers license, divorce documentation, SSN card, and police reports. When everything I have already submitted before, and majority of that they don't need. 

This is highly questionable and concerning even when I have submitted documentation that they need for proof to get it removed off my credit report.
Consumer complaint received 2019-11-14
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: Innovis (OH)

To whom it my concern, I have several inaccurate names on my credit file the do not belong to me and need to be corrected. My name is XXXX XXXX XXXX please delete remove any and ALL variations abbreviations or likeness to my name. 
I need the following fraudulent address removed from my credit report. they are not accurate. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX- XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX  XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , OK XXXX
Consumer complaint received 2019-11-14
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: BMW Financial Services NA, LLC (TX)

I have never missed a payment and have always paid before the next payment was due. There is no where on the statement that states BMW reports on a rolling 30 day reporting. 
XX/XX/2019 was paid XX/XX/2019 XX/XX/2019 was paid XX/XX/2019 I was reported 30 days late for my XX/XX/2019 auto payment on XX/XX/2019 and I couldn't understand what happened. I disputed it and it came back no change. On XX/XX/2019 paying my XX/XX/2019 and was told that I was already reported to the credit bureau as being late because they reported on a rolling 30 days and not month to month. I called back and spoke with another representative who told me the same thing and that I should read my statement and it states that BMW reports on a rolling. I read my statement and it doesn't read as such. I am disputing the two times late payments with BMW.

If they are reporting on a rolling 30 days it should clearly state such.
Consumer complaint received 2019-11-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (SC)

I've contacted Navient Student Loan requesting a lower and more affordable monthly payment, but my request have fallen on deaf ears. The company is wanting me to make a monthly payment of {$1500.00}, which is completely unattainable. {$1500.00} a month is more than 70 % of my monthly income. I explained this to the representative and asked if there was an income-based payment program I could participate in, but I was told that was not an option. I'm completely out of options at this point.
Consumer complaint received 2019-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I sent {$2000.00} to my friend on XX/XX/19. My account was locked on XX/XX/19, stating suspicious activity in the account. I contacted Chase Customer Service on XX/XX/19 and I was told that they could do nothing over the phone and that I could walk into any branch and show 2 forms of identification to unlock the account. 

I went to the Chase XXXX XXXX branch on XX/XX/19, where they verified my 2 forms of identification and the name of my friend to whom I sent the money. I was told that my account was locked to ensure the money was sent to the correct person. The Chase branch banker called up Customer Care to notify that I showed them the 2 forms of ID and to unlock the account, but Customer Care said my friend 's name was not the name in the receiving bank account and that they think my account is compromised and my account can not be unlocked. My funds are now frozen and they refuse to close my account. 

I was told by the branch manager that I would not be able to open a new account with Chase and that I should come back in 2 days, for them to call Customer Care again to see if my funds could possibly be released and my account can be closed. 

The people at the branch were very understanding and apologetic about the situation.
Consumer complaint received 2019-11-14
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Loan Science, LLC (WI)

I have been in the process of applying for forbearance with XXXX  who holds my private loan with XXXX XXXX XXXX since XXXX of XXXX. Payments began to accumulate due to a paperwork error and I began to be reached out to by Loan Science, the debt collector. I have continued to work with XXXX  as well as Loan Science to amend the error and have since been stuck in the review process on the XXXX side. Since XXXX I and my mother, a consigned, have had continued multiple phone calls almost daily despite having had two conference calls with XXXX and Loan Science regarding the matter. Today XX/XX/XXXX I had received yet another call at XXXX, this time including a voicemail from Loan Science stating to call to return their call as they have good news. I return their call and I am then informed that my request for forbearance had been denied by XXXX. I had informed them that I had been checking daily and was not informed of such a decision. The woman I spoke with insisted that I had been denied and that I should apply for a payment plan. Following the phone call I contacted XXXX to confirm Loan Sciences claim. XXXX  informed me that my forbearance request was still in review and that no such decision had yet been made. Loan Science has consistently harassed both my mother and I despite being asked to no longer be contacted by my mother and my consistent attempts to keep them updated with XXXX. In addition they have continued to attempt to deceive myself and my mother with claiming previous voicemails that were never left as well as claiming forbearance was denied by XXXX when it is not the case. I have been contacted on the following dates. 

XX/XX/XXXX - 1 time XX/XX/XXXX -4 times XX/XX/XXXX - 2 times XX/XX/XXXX - 1 time XX/XX/XXXX - 2 times XX/XX/XXXX XXXX4 times XX/XX/XXXX - 2 times XX/XX/XXXX 2 times Calls maintain this level of frequency with both myself and my consigner to the end of XXXX beginning of XX/XX/XXXX.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX - XXXX - This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. 

XXXX XXXX XXXX  XXXX XXXX XXXX - This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. 
XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXXXXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXXXXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX XXXXXXXX - Not all bureaus are reporting this account that way you are reporting this account. It shows a lot of inaccuracies and inconsistencies. Please remove this inaccurately reported account from this report.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ALLY FINANCIAL INC. (TX)

Upon trying to finance a vehicle Ally Bank denied me and my wife a loan. They sited information from XXXX, XXXX, and XXXX. The key factors where Serious delinquency, and public record or collection filed. Time since delinquency is too recent or unknown, To many accounts recently opened. Too many inquiries last 12 months. The fair credit act states that the information on any credit report has to be 100 percent verifiable and I take issue with erroneous information on my credit report. This bank has engaged in redlining and that is a federal crime.
Consumer complaint received 2019-11-14
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. (FL)

I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STATE EMPLOYEES CREDIT UNION (NC)

North Carolina State Employee 's Credit Union is reporting a auto loan on my XXXX  credit report, which is not reporting correctly. Account shows paid on time for last 4 months. When it should be on time for the prior 2 years. Missing 2 years of on time payment history. Attached below is the difference in what is reporting to my XXXX  vs my XXXX. Please report correctly.
Consumer complaint received 2019-11-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

The lender is charging me a above there listed interest rate have already filed on complaint and there response is so sorry to bad, I have tried calling to speak with a supervisor and get hung up on I have requested arbitration and they have said its to late but I have already filed for arbitration on my own. California laws strictly limit lenders for tilte loans between the amount loaned $ XXXX {$10000.00} to charge only 3 % monthly interest and capped at 36 % annually. Loan company says that is not true and dont know were I get my information.
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I had an unexpected electrical bill for a rental property in the amount of {$1700.00}. CitiBank offered a flex pay arrangement for that so I signed up for it. They only gave me {$1100.00} for the flex pay. Leaving {$600.00} outstanding. I have outstanding credit - FICO of XXXX. I always pay my balance off fully, have never been late. There is over 10k credit available on that card and {$35000.00} on a different card with them so it seems they have refused me credit without cause. I chatted with an agent who said it was a computer program that decides the amount flex will loan. I asked to speak to a supervisor and there was no chat available so only a phone number ( I am very hard of hearing and it is not easy for me to do business on the phone. ). I tried but the agent did not know how the credit decisions were made. I asked to speak to that supervisor and was disconnected. 

I also asked how the flex payment would affect my automatic payment for the full balance and did not get a good answer. Seems the staff are not trained on this flex product.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listing on my credit reports. 
XXXX XXXX Reported : XX/XX/2019 {$140.00} There is no contract, no valid claims ... account was settled with original creditor ( XXXX ) and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Consumer complaint received 2019-11-13
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. (SC)

SENT IN DISPUTE DOCUMENTS VIA USPS CERTIFIED MAIL, AND WELL AS THROUGH EXPERIAN 'S UPLOAD PORTAL 2 MONTHS AGO. I AM SUBMITTING THESE DOCUMENTS ON MY OWN BEHALF. I WILL ASLO UPLOAD THEM IN ONLINE. PLEASE DO NOT SAY THIS IS A COMPANY SUBMITTING THEM. Send in information via CFPB to update my address to prevent any future access to my sensitive information. I've had several attempts of someone trying to open accounts in my name because I was still receiving prequalified offers in the mail at a previous address. I've purchased a home and no long want to receive promotional offers from companies that Experian allows to do a soft inquiry on my credit profile. I would like for Experian to block and remove any inquires that didn't originate from me as well as update my current address to show accurately. Several accounts were successfully opened in my names that are fraudulent and Id like to that them removed immediately. This information is listed below, both accounts and hard inquires that are a result of identity theft.