davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (CA)

After reviewing a copy of my credit report, I noticed a collection accounts placed on my credit report from CMRE Financial services. I am requesting that you allow my attorneys and I to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, my attorneys and I are allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties agency. I did not give permission to any of my current or prior medical providers to release any of my medical information and/or records to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients signed authorization. I have never given authorization to release any information in accordance to my rights under HIPAA. Therefore, my request is threefoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Also an original copy of contract with original creditor that gives you the right to collect debt in pursuant to the FDCPA. Cease any credit bureau reporting until the debt has been validated by me and my attorneys. Also until debt can be validated by me, I am allowed under the FCRA to have any debts in relation to be removed from my reports until the items can be validated my attorneys and I. Please send this information to my address listed and accept this letter sent via the CFPB complaint portal as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting or accounts being placed with the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-11-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a few addresses listed inaccurately, so when the company of which I owe the debt to attempted to contact me they were unable to due to the fact of having inaccurate information inturn the debt was sold off to a collection agencys I also was exonerated on the bail by the judge so the only fee I should owe the bail company is the process fee not the the amount being portrayed
Consumer complaint received 2019-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

XX/XX/2019 Friday, Chase Bank, XXXX XXXX, ( Mgr : XXXX XXXX ), XXXX XXXX, XXXX XXXX, Michigan, XXXX. 
My deposits and withdrawals do not add up, reflecting a negative balance of $ XXXX. 
I talked with the bank manager to resolve the issue, she escalated this information further and was told someone would get back to me. 
My Account had a negative balance of {$5.00} this morning, before the deposit of XXXX. 
Account owing {$2000.00} ... ... .withdrawals of - {$21.00}, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, ( ATM withdrawal at this bank ) XXXX approximately XXXX. My balance is XXXX. 

The bank accessed a fee of {$34.00} for being over by {$.00}. It was reversed today. Therefore, the bank says it cancels each other out, it should not reflect a change in my balance if it cancels each other out? BUT IT DOES. SEE ABOVE. 

I do not have access online to my account, locked out. I signed up for overdraft protection ( was approved ), alerts to new charges and low balances by text and email. I do not receive them at all. 

My debts and deposits do not add up. I keep having this issue from MICHIGAN TO OHIO. When something is returned or reversed.
Consumer complaint received 2019-11-02
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: EQUIFAX, INC. (GA)

I started a dispute on Equifax 's website on XX/XX/2019 for inquiries I did not authorize on my credit report. I was told that you couldn't do it online with them but when I got on their website to see my inquiries, they had a dispute section for inquiries. So I filed the dispute and listed the inquiries I did not recognize and they said it could take up to 30 days. 4 days later I got the results of the investigation only to find out they did not look into the inquiries, they just gave me a way to look into them. So I called and asked if they weren't going to actually look into the inquiries what's the purpose of having that option on their website? Their response was that they're sorry.
Consumer complaint received 2019-11-01
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. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS (WA)

I recently noticed a bankruptcy on my credit history from 2015 that I did not file. Before contacting the personal information company ( LexisNexis ), I called the Court Clerk in question. She informed me that the bankruptcy was filed without an attorney and no record of who actually filed it. There was never a XXXX hearing, which is where the Court verifies the identity of the filer to make agreements with the creditors. The bankruptcy was dismissed without ever verifying the identity of the filer and any action taken within 2 months. 

Since I did not file this bankruptcy, I took my dispute to LexisNexis providing this information. I submitted the dispute request via LexisNexis 's electronic system at XXXX XXXX on XX/XX/XXXX, verified by their response email. As the 30 day deadline approached without any word from LexisNexis, I sent several follow-up messages to learn the status and continue to inform them that since the FCRA required a 30 day resolution, the deadline was coming up. They acknowledged, in writing again, receiving my request on XX/XX/XXXX, which started the timeline. Finally, on XX/XX/XXXX, a full 38 days after the submission, they claimed to mail the resolution report on XX/XX/XXXX, which is still after the deadline. When the resolution report arrived, it wasn't postmarked until XX/XX/XXXX - 39 days after the dispute was initiated. 

I spoke with a phone representative who told me that they kept the bankruptcy on my file despite never actually reaching out to the Court to verify and exceeding the 30 day mandated FCRA guidelines. I have reached out several times since the deadline has been exceeded and asked for action to taken and have heard nothing in response.
Consumer complaint received 2020-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have 5 accounts with Cap One. Two credit cards, personal and business, checking, money market and a {$100000.00} CD. I have been a customer over 10 years. I have put over a million dollars through your bank without so much as one late payment. Recently my business credit card was suspended without any notice. When I called to find out what the issue was it took hours on the phone and numerous times being accidentally disconnected and transferred from person to person. Finally I got an explanation that somewhere, somehow, it was determined that my business was an LLC and not a sole proprietorship as it had been when the card was opened. My business has always been an XXXX and was transferred to an XXXX XXXX several years ago. For this reason my entire business has been disrupted. All orders I need to make I can not make. I am providing produce, fruit, vegetables to the community for free as well as fulfilling my daily fruit orders. All my vendors and corporate fulfillment companies have this credit card on file as it's the only one I have for corporate spending. Your bank has created an immediate halt on my company and my ability to make orders. 
I was instructed to re-apply for a new card. I reviewed what you offer and now I see that all the cards have changed and the interest rates are 12-16 % higher than the card Ive had for over a decade. My points were confiscated as well. Luckily I had transferred most jut a week or so earlier. 

Additionally, in the past 3 months I have twice had Cap One add users to my card even though I have 2 levels of security on my cards and an an alert that says that there are never to be new users to my account. Most recently 4 new users were added and cards mailed to the XXXX. Fortunately I was able to stop the cards before they were used. I was lucky to have checked spam mail that day to find the emails from Cap One letting me know the users had been added. When I called in to ask why this had been done again with all the security I had in place, the answer was we do not know. It says clearly that no new users were allowed. That's the answer I got. 
All in all Cap One has created a nightmare for me and for someone who has 5 accounts and been a member for decades the treatment and lack of caring for the mess is unbelievable. Now I have moved all the money from the money market, and checking. Today I find that there are fraudulent charges on my personal card so that I can not cancel yet. 

On a last note, by deleting the $ XXXX credit line on my business card you will substantially decrease my credit score. 

I would like to speak with someone of authority in the corporate office as soon as possible to see if there is any way to rectify this complete nightmare. I do not have time nor can I wait 2 weeks to open and receive a new corporate credit card. I will also look into what governing body I can send my complaint to about your bank. 

XXXX XXXX XXXX
Consumer complaint received 2023-02-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (NJ)

I continue to request validation of this account and I have yet to receive it. 
Where is the original account with my signature so I can view it for myself?? 
This is hearsay and validation has not been provided. 

As I looked further, the " estimated month and year this item will be removed '' date is inconsistent across all three major credit reporting agencies. The information should be the same. This alleged account should be removed immediately due to inconsistent reporting and what seems to be considered re-aging the account. 
Cavalry Portfolio services has not validated this alleged account and can not continue to report inconsistent information.

I also see that different contact info is shown. If I wanted to contact Cavalry Portfolio Services, I would not know which address to send my dispute to.

I am submitting exhibits to show that Cavalry Portfolio services did not report consistently and appears to re-age this alleged account.

I am attaching supporting documents that will show that inaccurate and inconsistent information is being reported.
Consumer complaint received 2019-11-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (NY)

On the evening of XX/XX/2019, I noticed a paper underneath my door. As it turns out, the paper was a summons from MIDLAND FUNDING, LLC. However, the summons was not handed to me in-person and thus was issued in bad service. Also, the summons is defective as there is no affidavit in support of the summons, no affidavit in support of the complaint, and no contract attached to the complaint to verify that MIDLAND FUNDING, LLC is legally allowed to collect on an alleged debt. Basically, Midland Funding LLC is not the original creditor. They admit to having bought my debt from another third-party creditor. However, there is no chain of assignment attached to the complaint I received. Additionally, the complaint is not certified or stamped with a seal from the court. Please note that by failing to certify the complaint, the plaintiff has obstructed the rules of the chief administrative judge part 130 : costs and sanctions : section 130-1.1, where it states : ( b ) certification. By signing a paper, an attorney or party certifies that, to the best of that persons knowledge, information and belief, formed after an inquiry reasonable under the circumstances, ( 1 ) the presentation of the paper or the contentions therein are not frivolous as defined in section 130-1.1 ( c ) .Of this subpart, and ( 2 )  where the paper is an initiating pleading, ( i ) the matter was not obtained through illegal conduct, or that if it was, the attorney or other persons responsible for the illegal conduct are not participating in the matter or sharing in any fee earned therefrom, and ( ii ) the matter was not obtained in violation of Part 1200. Rule 4.5 of this Title.
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BMO Bank, N.A. (IN)

My identity was compromised while oversees from XXXX to XXXX. During this time a fraudulent account was opened in my name by BMO Harris. I demand that this item be removed from my XXXX  report immediately.
Consumer complaint received 2019-11-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Earnest Inc. (CA)

I have been trying to apply for student loan refinancing because my XXXX student loan was given to me at a predatory variable rate of 10 % and 9 % when I was just XXXX years old. As a XXXX year old woman, with a well paying job, I have been making over {$1600.00} payments on-time every month, but the principal in each payment is less than {$500.00}. My student loans have been in repayment for over 2.5 years. I applied to refinance with Earnest by applying for loan refinancing on XX/XX/2019. Although I am able to get approvals at other institutions with my good credit and low risk factors, Earnest denied my application because I didn't have a college degree. I believe this to be discriminatory to people who are unable to finish school, have to take extended breaks in enrollment, or have extenuating life circumstances. I pay my student loans on-time each month and maintain high credit and low risk factors as a borrower, only to be discriminated against when trying to lower my interest rates. When I spoke with Earnest on XX/XX/2019, they stated it is one of their requirements in their lending license. 

Having, obtaining, or not holding a college degree is not a risk factor in determining credit worthiness and should not be held against people trying to refinance their student loan debt burden. This type of discrimination is completely unnecessarily prejudiced towards borrowers with a very common academic path and does not determine one 's credit worthiness. I believe Earnest to be discriminating towards people from unprivileged backgrounds who do not/did not have the ability to have a linear college experience and are endowing extra pressures to maintain predatory student loan interest rates.
Consumer complaint received 2019-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (IL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that JPMCB - CARD SERVICE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Real Time Group, Inc. (NC)

XX/XX/XXXX, I purchased my home having a balloon account 80/20. Meaning, I have a first and second mortgage on my property. The first mortgage company is the XXXX XXXX  XXXX and the second mortgage company is Real-Time Resolution.  Receiving my current credit report, there are a total of three mortgage accounts that are reflecting inaccurate information on my XXXX credit report.

Real-time Resolution mortgage service is reporting to XXXX  two open mortgage accounts. THER IS ONLY ONE MORTGAGE ACCOUNT WITH THIS COMPANY. What is reporting is an account in the amount of {$48000.00} and another account in the amount of {$49000.00}. This type of error can hinder my creditability and place my debt ratio in a higher bracket. Again, I only have one mortgage account with Real-Time Resolution. 

I contacted XXXX  on XX/XX/XXXX via certified mail to inform them of the error. Aso, I have reached out to Real-Time Resolution to rectify the issue. As of XX/XX/XXXX, the issue has yet to be corrected. Reporting inaccurate information on a consumer report can lead to further action to take place against reporting companies.
Consumer complaint received 2019-11-01
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2023-02-09
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: AMERICAN EXPRESS COMPANY (CT)

On XX/XX/22, there is an unauthorized inquiry from American Express on my XXXX XXXX credit report. Let it be clear, I DID NOT APPLY for an American Express card! Nor did I receive any letter from American Express. XXXX XXXX illegally and negligently simply refuses to remove this inquiry yet it has been confirmed it needs to be eliminated off my credit report. This is the XXXX  TIME I am addressing American Express XXXX NEGLIGENCE!
Consumer complaint received 2019-11-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (NV)

For XXXX collection This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.