davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
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. (PA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-10-09
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. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-11-04
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. (FL)

VALIDATION CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX I am writing to verify that you have the right individual and to request that you provide documentation confirming this. 

Please supply me with a contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information. 

1.The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof the the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting this debt until you have provided validation of the debt.

Additionally I request that you do not access my credit report or report anything to credit bureaus.

I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2018-05-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (SC)

This is my second complaint against MDS. The most important of my complaints is that this company failed to provide a signed HIPAA Business Associate agreement between the original creditor and their authorized rep which means that they are clearly in violation of the HIPAA Privacy and Security Rules. I requested this document in my previous complaint through CFPB as well as in my second letter sent directly to MDS. Secondly they placed this unverified debt on my credit reports without making any efforts to contact me. I was only made aware of the debt when I took the liberty to check my reports. This companys collection and communication practices are evasive and deceptive and I would like for this company to please remove this negative account.
Consumer complaint received 2018-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AZ)

I have a new employer and I want my employer and employment information added to my Equifax, XXXX and XXXX XXXX credit report. Please add the following : Employer : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX, XXXX, Position : XXXX XXXX XXXX, Annual Salary : {$350000.00}
Consumer complaint received 2018-05-05
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harmon Law Offices, P.C. (MA)

I received a notice from an Attorney advising that a property in XXXX, Ma known as XXXX XXXX XXXX was up for a forclosure sale on XX/XX/XXXX I called the Attorney 's office { Harmon Law Offices, XXXX XXXX XXXX, XXXX, Ma XXXX } to inform them that I was not the owner of this property. I do not now, nor have I ever owned real estate anywhere is the USA! The proper owner of this property has the same name as me. I spoke to a woman named XXXX at the office, and she stated that the problem would be corrected, and I would receive no further contact. Yesterday, I again received a notice about this same property from the same Attorney stating that the sale of this property was postponed until XX/XX/XXXX, at XXXX. It also stated that this notice was an attempt to collect a debt, and that any information obtained would be used for that purpose. My wife and I are elderly, XXXX and living solely on Social Security, and do not want to be held responsible for a debt that does not belong to us! We struggle to get by as it is, and have our own housing issues, as we are in danger of losing our apt . due to the owners selling the house. This has just added to the stress we are already under, and we want this cleared up as soon as possible, so we can focus on what we need to do. Thank You for your time, and I truly hope you can help us resolve this problem.
Consumer complaint received 2018-05-05
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/ there was a fraudulent charge on my account for XXXX, then on XX/XX/ another charge for XXXX. They are claiming that since the original charge was more than 60 days they are not responsible for the 2nd. They refunded the 1st charge. Using their own logic, they would not be responsible for the {$1.00}, they reversed that which means it is all covered.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Direct violation of FCRA by reporting inaccurately to Credit reporting agency. Account listed as Charge off/Written off and reflecting as amount owed when being converted to income with IRS by being written off. No forms have been delivered to me.
Consumer complaint received 2018-04-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

I have had numerous issues with XXXX XXXX, the first issue has almost been resolved however I am still after 3 months outstanding a payment of {$230.00} which apparently comes from FHA direct! The other issue which is ongoing and I have numerous emails and phones calls logged with them, is that I have had my FHA mortgage since XX/XX/2012 and as soon as the 5 years were up and we met all the criteria to have the MPI removed, I emailed/called/wrote to them, never had a response albeit generic emails to say put it in writing to us why you want it removed and if you meet the criteria we will contact you! This was an ongoing issue, one one phone call the agent told me I would not be able to have the MPI removed as the Loan to Value was not enough and it was not a current valuation but original valuation, I explained I wanted to make a payment to bring the LTV down to the correct amount which would save me {$240.00} a month, yet again she said she would get the dept to contact me! they never did, they have documentation of all my email requests, XXXX XXXX at XXXX has confirmed this and I have been in touch with him since XXXX, so I have basically overpaid {$240.00} per month and I want a refund of this asap, they have told me I am correct and this should have been actioned and it is with the Manager, well it has been with the Manager for months! I want a resolution as this has so far cost me time effort stress and more importantly my hard earned dollars. Please can you help me reach a conclusion. XXXX
Consumer complaint received 2018-05-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (GA)

On XX/XX/XXXX, XXXX XXXX XXXX obtained a loan with Santander Consumer USA for a XXXX XXXX XXXX with XXXX XXXX. Upon signing the loan, we were not informed of the vehicle service contract sold with the vehicle. After several complaints about the additional amount, the vehicle service contract remained on the loan. 

Four months later, on XX/XX/XXXX, the vehicle was involved in an accident, where it was totaled by the insurance company, XXXX. Upon totaling the vehicle, the claim check for {$19000.00} from XXXX was not credited to XXXX XXXX 's account until XX/XX/XXXX. I filed a complaint with Georgia 's Department of Insurance regarding XXXX 's hesitation in paying the claim to Santander Consumer USA. 

The vehicle service contract was also cancelled and the refund was XXXX XXXX XXXX was told on numerous occasions by Santander that the check had not been received, even when she called Santander on XX/XX/XXXX. After numerous complaints and phone calls to XXXX XXXX and Santander Consumer USA, a letter was faxed to Santander by XXXX XXXX on XX/XX/XXXX informing them of the check sent to Santander by XXXX XXXX dated XX/XX/XXXX. Please note the vehicle service contract was cancelled on XX/XX/XXXX. A copy of the check was also sent in the fax to Santander. After speaking with XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX at XXXX XXXX informed XXXX XXXX that the check was cashed by Santander on XX/XX/XXXX. XXXX XXXX called Santander again on XX/XX/XXXX and was informed that Santander did receive the check for the cancellation of the vehicle service contract. She indicated that it takes 30 to 45 days for it to post to the account. It was very unprofessional for Santander to receive the check and not inform XXXX or XXXX XXXX. 

I feel it is wrong for Santander to receive the check, deposit it and refuse to post the payment. That is very unethical. XXXX XXXX has endured late fees and interest charges for the month ( s ) that Santander withheld the payments and refused to credit the accounts. It appears that this happened with XXXX and XXXX XXXX 's payments, totaling approximately {$21000.00}. Even until this date, XX/XX/XXXX, the check from XXXX XXXX still has not been posted to XXXX XXXX 's account although the check was cashed more than 10 days ago. This is unfair and unethical. The manner in which Santander does business should be investigated.
Consumer complaint received 2018-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

XXXX XXXX has continuously tried to collect on old debt. Even after being disputed ( they could not validate the information ) and being removed from my credit report, 2 years later it randomly shows up again on my XXXX credit report with misleading and incorrect information.
Consumer complaint received 2024-10-09
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. (NY)

I filed a complaint against Experian on or about XX/XX/XXXX regarding my XXXX XXXX status. Today is XX/XX/XXXX and there are still accounts relating to that crime on my credit report.
Consumer complaint received 2018-05-05
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: LEXISNEXIS (TX)

XXXX continues to repost and report inaccurate information from an accident that occurred over 5 YEARS AGO. At that time XXXX admitted to me the client that it was not my fault, and that i shouldn't have been at fault after they did a second investigation. They had advised me it was too late as they had already paid the other driver and that i should go ahead and sue them. This was coming from a XXXX employee. Well, they removed the information a few years ago since it was reporting inaccurately. Just recently they readded this information to my LexisNexus report, which is causing issues for me to be able to get insurance and is causing several other issues. I believe this information is not only being inaccurately reported. The police officer left the scene when i was in an ambulance and covered up the other driver running a stop sign. XXXX removed the information because they agreed it was inaccurate and false. I have attempted to work with XXXX and LexisNexus. LexisNexus reports this information as updated yet it's still showing on there and advised me to contact statefarm. It's a back and forth cycle i want this information corrected. As Information shouldn't be on a report past 5 years anyways. Per Texas state law.
Consumer complaint received 2018-05-06
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: Radius Global Solutions LLC (CA)

I leased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. in XX/XX/XXXX, the SUV was returned on XX/XX/XXXX which was its due date and the mileage on the SUV was XXXX ( I was allowed to use XXXX per year ) well within the target needed for a 3 year lease, I have a copy of the returned document.

The next thing I know is a letter from a XXXX XXXX XXXX debt collector, they are telling that the SUV was stolen and was eventually recovered and that I owe {$2200.00} dollars. I called and spoke with a XXXX XXXX in XX/XX/XXXX, I also called XXXX who refused to speak with me as they had turned this in to a debt collector. I have not been able to resolve this issue after calling and engaging now every month and feel my hands are tied, I need your help as they are also hurting my credit history.
Consumer complaint received 2018-05-05
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. (FL)

I tried to find out from the creditor that used the information they said they received from the credit reporting company. The company did not send new information they sent a month or two old information in my credit file. By doing this one of my credit card company lowered my credit limit after I made my new payments to all of my creditors.

Now one credit card company is showing my account as over the limit. It wasn't over the limit with XXXX and XXXX billing cycle because my limit wasn't lowered until I paid my bill a third down. Something is illegal going on. 
I sent 2 attachments : the 1st shows XXXX XXXX that's the company reduced my limit that makes my account appear over the limit you can see where they got paid the {$1000.00} and you can see all of my other debts got paid substantially as well who did not lower my limits ; the 2nd is a copy of XXXX credit report showing I am not over my creditblimit before I made the {$1000.00} payment to XXXX XXXX.
Consumer complaint received 2018-05-06
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

I leased a XXXX XXXX XXXX XXXX from Toyota Motor Credit Corp. in XX/XX/XXXX, the SUV was returned on XX/XX/XXXX which was its due date and the mileage on the SUV was XXXX ( I was allowed to use XXXX per year ) well within the target needed for a 3 year lease, I have a copy of the returned document.

The next thing I know is a letter from a XXXX XXXX XXXX debt collector, they are telling that the SUV was stolen and was eventually recovered and that I owe {$2200.00} dollars. I called and spoke with a XXXX XXXX in XX/XX/XXXX, I also called Toyota who refused to speak with me as they had turned this in to a debt collector. I have not been able to resolve this issue after calling and engaging now every month and feel my hands are tied, I need your help as they are also hurting my credit history.
Consumer complaint received 2018-04-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Commercial Services, Inc (CA)

National Commercial Services sent a letter saying they were acting on behalf of their client, XXXX XXXX, Client Re. No : XXXX, Account No : XXXX, Balance of Claim : {$7900.00}. I have no such debt with XXXX XXXX, or anyone else. The letter was as follows : Please be advised that your account has been referred to our internal Legal Department for review. The referral of this matter takes place only after traditional collection efforts have been exhausted. ( There have been no collection efforts made regarding this ) If our Legal Department does indeed qualify your account for litigation and there has not been a resolution as to the outstanding claims, we will assign the file to one of our contracted attorneys in your area to commence litigation. 

It is our sincere desire to avoid the time, expense and inconvenience to all parties brought about by a lawsuit. In that respect, we are willing to consider all reasonable proposals. 

This is a time sensitive matter. Please contact our office immediately in order to resolve this matter without further action. We look forward to your prompt reply. 

Online Payment : Please visit https : //secure.ncssubro.com/payment Hours of Operation - Pacific Standard Time : Mon-Fri XXXX XXXX - XXXX XXXX Sincerely, ALL CORRESPONDENCE SHOULD BE SENT TO XXXX XXXX National Commercial Services XXXX Ext. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX I have not replied in any way to this letter, believing it to be an attempted scam.
Consumer complaint received 2018-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (FL)

In XX/XX/2017 I used a convenience check in the amount of {$2200.00} from XXXX XXXX XXXX XXXX card that offered 0 % interest if paid back in full in 12 months. The balance I owe on the convenience check is {$2100.00}. In order to pay it off timely I needed to pay {$270.00} per month until the expiration of the promotion. In addition I need to pay on my non-promotion balance. The minimum payment on the non-promotion balance is {$45.00}. So I made 2 payments {$45.00} + {$270.00} and called requesting that they apply {$270.00} to the promotional balance. They refused saying my non-promotion balance needs to be paid in full before they will apply any payments to the promotional balance. 
I have used the same promotional offers from several other credit card companies over the years and have paid them off the same way by making the 2 payments. I've never been required to pay the revolving balance in full before applying payments to promotional balances. I even paid the same type of promotion off on another card as recently as this week. 
I feel XXXX XXXX is abusing the offer so they can penalize me by requiring me to pay the full interest on the promotion.
Consumer complaint received 2017-05-02
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)

I recently discovered that  XXXX   XXXX  reported my account as a Charge off on my credit report when I was denied a loan by  XXXX   XXXX  due to the Charge off. I immediately contacted  XXXX   XXXX  by phone in an attempt to rectify the error. I was informed by the customer service representative that my last payment was received on    XXXX   XXXX   ,    2011  and that my account was reported as a Charge off on   XXXX   XXXX  ,  2011 . We both agreed that it did not make sense that my account would be reported as a  Charge  off 2 days AFTER my payment was received. At the time  XXXX   XXXX  reported my account as a  Charge  off, it was paid in full with a  XXXX  BALANCE. I have spent HOURS on the phone with numerous customer service representatives. The phone calls have been extremely frustrating and have not produced a positive outcome. Every representative has told me the same thing " due to the age of this account, they do not have account records and can not provide me with the information that I am requesting '', yet they refuse to remove the inaccurate information from my credit report. I was told that a Supervisors would call me back on  XXXX  separate occasions. To this day, I have not received a call back from a supervisor. I have sent numerous certified letters disputing the  Charge  off that is currently being reported on my credit report and negatively effecting my credit. I have asked for validation of my account including details explaining my why my account is being reported as a charge off with a   XXXX   balance. I have asked for them to send me a copy of my payment history along with account notes. The letters that I received in response to my letters have been a one paragraph response stating that " they only report accurate information to the credit bureaus ''.