davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-05
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: Experian Information Solutions Inc. (OH)

I have reviewed my Credit report and found several account unrecognized items from THE CREDIT BUREAUS office XXXX XXXX XXXX XXXX ***, XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX***. I don't remember doing any business or having having a contract for services.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, XXXX 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 ) XXXX 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 XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where XXXX 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.XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.
Consumer complaint received 2019-10-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (FL)

I returned the equipment ( mobil device ) to the XXXX store and cancel the account, around 7-8 years ago.. 

They said that I didn't. So XXXX started to bill me for the mobile device, then after a couple of years, they changed the debt to it was for calling services ( I used to have an unlimited plan ... ) and recently they change the date to XXXX. The original date comes from XXXX .... 

They want me to pay for their mess, they change the supposed reason for the debt and the dates to justify the collection ... they try to deceive me, to harm me ... 

By the way, I have my mobil service with XXXX XXXX XXXX since XXXX XXXX or XX/XX/XXXX ....
Consumer complaint received 2020-01-20
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6700.00}, {$9000.00}, {$14000.00}, {$7900.00}, {$30000.00}, {$11000.00}, {$200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6700.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$14000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7900.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$30000.00} -This is not my account. 


-- CLOSED ACCOUNT 6. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$200.00} -This is not my account.
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

the student loan place on my credit report has not been verified with the origninal loan signed promissary note by the loan service company XXXX. The service company XXXX, told me they did not have the original promissary. so they put one together with the consolidate loan info, which also does not have my signature, an is not the orginal promissary note, they did not prove the load to be mine, besides the document they put together for the missing promissary not, they do not have attendance records or original loan documents. 

I need to have the loan removed from my credit report since they have not proven the loan to be mine.
Consumer complaint received 2019-09-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (NC)

Overdraft applied and posted while transactions still pending .... 
Argumental document provided by bank not even in chronological order. 

I HAVE SEVERAL EMAILS AND COMMUNICATIONS IF FURTHER DOCUMENTATION IS NECESSARY
Consumer complaint received 2019-10-09
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: Exeter Finance, LLC. (WA)

XX/XX/XXXX My information was used, did not allow my information to be shared, theres no open account Exeter Fin XXXX, TX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX avenue My information was used, did not allow my information to be shared, theres no open account XX/XX/XXXX XXXX My information was used, did not allow my information to be shared, theres no open account
Consumer complaint received 2019-08-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc. (GA)

ONLINE INFORMATION SYSTEMSXXXX XXXX XXXXXXXX NC XXXXXXXX XXXXHas placed medical collections on my XXXX Credit Report, which they have not validated. I have sent them a Demand Letter, explicitly stating the requirements for debt validation as per the terms of the law;To: ONLINE INFORMATION SYSTEMSXXXX XXXX XXXXXXXX NC XXXXI am sending this letter due to your incorrect reporting to the Credit Bureaus. This erroneous reporting negatively impacts my credit which hinders my ability to get financing. I’m requesting in accordance with the Fair Debt Collection Practices Act (15 USC 1692g, Section 809b) notifying you that your claim is disputed and validation is required. I am not requesting verification rather I am requesting validation as per the referenced title and section of the law. Please provide me with the complete evidence you have stating that I am legally obligated to pay you.I request the following:Justification for the claimed amount, including invoices or receipts.Explanation of how you calculated the amount owed.Copies of any documents stating that I agreed to pay the claimed amount.The identity of the original creditor.Proof that the Statute of Limitations has not expired on these accounts. Proof that you are licensed to collect debt in my state.Your licensed numbers and Registered Agent or Agent of Service.I will require 30 days to investigate any proof sent with this claim. During this time collection activity must cease and desist. If any action is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will consult my legal consul. If I personally don’t receive a response from you for validation of these accounts within 30 days, all references to the accounts must be deleted from all three Credit Bureaus. As they have received this letter via certified postal mail, I expect them to remove the collections from my credit reports because the debts are not valid and unless they are able to prove the debts are valid I must not have false information negatively impacting my credit report.
Consumer complaint received 2020-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I got a letter from Chase bank on XX/XX/XXXX, but I was not sure if the letter was legitimate. The letter asked for private information, including my social security number. The letter also provided a phone number, which I chose not to blindly trust. Therefore, I called Chase card services to verify the authenticity of the letter. After all, I only have credit card accounts with Chase. When I called card services, they had no idea about any letter sent to me. Therefore, I told them that the letter is probably fraud and I chose not to act on the letter. On XX/XX/XXXX, Chase sent me a letter telling me that they closed my accounts and my credit cards because I did not act on the letter. I am unable to use my Chase credit cards. I called Chase credit card services and they can only see that my account was closed. They can not see that I got a letter from Chase bank.

How can Chase bank and Chase credit card services be so disconnected? It's dangerous to expect  consumers to trust a phone number in a letter because a fraudster can easily sent a letter with a fraudulent phone number, where the phone number connects the unwitting consumer with the fraudster. I have been sent fraudulent letters asking for personal information for verification purposes before ( I believe it was a fraudster pretending to be XXXX XXXX XXXX ). It is dangerous to set an expectation for the consumer to trust a phone number listed on a letter. Chase card services should know when Chase bank sends a letter threatening to close the credit card account if social security forms are not submitted.
Consumer complaint received 2020-01-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (GA)

I called and paid a settlement amout to BMW Financial for my XXXX XXXX XXXX. Before paying the settlement amount I was told that since Im paying it off they would remove all of the late payments. Recently I have been keeping an eye on my credit and noticed that they never did. I called them last week to see what was going on and why the fees have not been removed. I was told that he didnt care what I was told he was not removing anything.
Consumer complaint received 2019-10-10
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. (GA)

I am writing this due to the non-compliance with the CRA Experian. They have failed to remove information that Was affiliated with personal details That were Challenged in the past. I Strongly believe that they are in Violation Of the FCRA And are outright refusing to uphold the law.
Consumer complaint received 2019-08-18
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: AMERICAN EXPRESS COMPANY (TX)

I am complaining  regarding some of the hard inquiries on my account I dont recognize some of them I will list them XXXX XXXX XXXX XXXX

Amex

XXXX  XXXX XXXXI have tried to get these removed but no one is responding to me if u could help that would be great Thank you
Consumer complaint received 2019-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONLINE Information Services, Inc. (OH)

I had an open account with XXXX  XXXX of $XXXX. This was paid on XX/XX/2019 or close to that date. Online services,inc has this account and once it was paid, they have refused to update the account or delete it. I’ve disputed it multiply times, included the paperwork showing that it’s an XX/XX/XXXX account balance, but Online Services, Inc, refuses to acknowledge the information.
Consumer complaint received 2019-10-10
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. (RI)

I pulled my credit before I went to the dealership and notice some accounts that were not mine on my credit report and some inquiries.I attached another report of the problems i'm having with my report with the collections accounts. The inquiries are transunion 1. XX/XX/XXXX XXXX XXXX XXXX XXXX 2. XX/XX/XXXX XXXX XXXX 3. XX/XX/XXXX XXXX equifax 1. XX/XX/XXXX XXXX XXXX 2. XX/XX/XXXX XXXX XXXX 3. XX/XX/XXXX XXXX XXXX/XXXX
Consumer complaint received 2019-10-10
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I have two leases with XXXX XXXX ( NMAC ). I have made every payment on time on both leases up until this past XXXX of 2019 where I made one late payment on one lease and two late payments on the other lease due to an unexpected family emergency. Since then ( XX/XX/2019 ), I have made all of my lease payments on both cars on time. I even paid the late fees associated with the previous late payments. Now I have a new born daughter and I am trying to get approved for an apartment to accommodate my growing family. But I keep getting denied because of the late payments posted on my credit report and my score has decreased significantly because of this reporting. I contacted XXXX XXXX to explain my situation to the representative and even a supervisor but to no avail. I was told that they do not do courtesy removals of missed payments on credit reports and/or scores. I then asked them what am I supposed to do because with the addition of my daughter I need a better living situation and with the missed payments, it has become hindering to me to be able to get suitable living. The response was a long pause and then an " I'm sorry but we are not able to help you ''. To not continue to have inquiries pile up on my credit report and affect my scores, I have refrained from applying for anymore apartments. But my obviously my family situation has not changed. I still need to have adequate living for my family and my current living arrangement is not good enough. I just feel so helpless. I have been a very responsible person when it comes to my payments and because of one emergency  unexpected event in my life where I could not make a payment, I am being punished for it. I'm sure a situation like this has happened to and/or can happen to anyone especially including those who work for XXXX XXXX. But they still showed no compassion.
Consumer complaint received 2019-08-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (GA)

In XX/XX/XXXX I was sued by Midland Funding LLC for a debt I did not owed and on XX/XX/XXXX the lawsuit was dismissed . I expected a that Midland would stop reporting it to the Credits. Bureau what did not happen. XX/XX/XXXX I send a correspondence asking to do so but at my surprise on today date Midland continues to report this alleged debt to the credits bureau By keeping reporting this alleged debt Midland Funding LLC has ported prejudice to me So I’m coming to you to file this complaint
Consumer complaint received 2019-10-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC (NY)

I was renting an apartment in XXXX, Florida. Cable TV service was through XXXX. When I vacated the apartment ( XXXX/XXXX 2019 ) the cable box was inadvertently left behind. After a number of weeks, I received either a telephone call or written notice from Waypoint Resource Group, a debt collection agency, saying that I owed them {$440.00} because the cable box was not returned. ( This is unlikely as the management of the luxury building would have returned the box to XXXX when they took possession of the apartment. ) When I received the first telephone call I asked the caller who they were and when the person said they were calling about a debt I owed for non return of the cable box, I said that I never received an invoice from XXXX. The caller then said that I owed {$440.00} and when I questioned the amount as being far above what I would have owed for the non return of the cable box, the caller said he was in no position to determine that and that is what I owed, so I was left in the position of having to overpay Waypoint for a cable box that I had not ever received an invoice from XXXX for. 

I am ready to pay XXXX XXXX   invoice if Waypoint produces an invoice from XXXX. 

The first indication that this matter had been sent to a credit agency was when I went through my annual review of my credit reports. Checking on who Waypoint is, their record of complaints indicated that it was possible they were not following acceptable debt collection procedures.
Consumer complaint received 2019-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NV)

I have been trying to remove my PMI payment for more than 1 year.  I have never made a late payment - ever.  The mortgage company, Ditech, required that I obtain a new home appraisal, which was done approx 2 years ago - my loan to value is currently below 80% and still, they refuse to take the PMI off of my payment despite numerous requests.
Consumer complaint received 2023-04-06
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. (NY)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX My rights have been violated, 15 USC 1681 section 602 A states I have the right to privacy, 15 USC 1681 section A section 2 also states a consumer reporting agency can not furnish a account without my written instruction ; 15 USC 1681c ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer report containing any of the following items of information, any of the other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1 681s-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 innacurate.
Consumer complaint received 2019-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (IL)

For some reason Barclays Bank Delaware has not sent me proof of my obligation of this alleged debt as requested and continues to report this trade-line to the major credit bureaus. This is creating issues for me such as higher interest rates, lower credit scores, job declines, and application rejects for outstanding balances owed. 

I disputed this account XX/XX/2019 on my XXXX  and XXXX  credit reports to no avail. To date, Barclays Bank Delaware continues to ignore my requests and they continue to ignore my consumer rights. 

I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting in my credit report. All unverified accounts must be deleted. 

Who verified this account? What documents did they use to verify? Where are the documents used to verify? 

The only correspondence that I received was a letter informing me they received my dispute. This does not qualify as verification per FCRA. This company is in violation for continuing to verify the account with the credit bureaus without providing the evidence as requested. It is my contention that Barclays Bank Delaware knows they can not tie me to this alleged account, otherwise, they would have done so when I made my initial request. Barclays Bank Delaware is blatantly disregarding the law.
Consumer complaint received 2019-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Bought a new car XX/XX/2018 the financing department hit my credit with a hard inquiry for a loan 3 times bringing my credit down 30 points. I have contacted the car lot and Transunion explaining to the the other two hard hits on my credit need to be removed because I only bought one car not three. There was no need to hit my credit report three times for the same new car.
Consumer complaint received 2019-08-18
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: ID Analytics, Inc. (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I chooseto opt-out of your disclosing future information until further notice including the XXXXReport and other furnished XXXX XXXX, Sage Stream, XXXX   inquires regarding all personalinformation. This security freeze request not only restricts credit bureaus and creditors, butalso future potential employers until I lift this restriction. Under the Fair Report Act, you arerequired to comply. My name is XXXX XXXX . My current and only address is: XXXX XXXX XXXX XXXX,Ohio XXXX. Please remove any telephone number thats not XXXX.Please delete the following addresses: XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX,oh XXXX, XXXX XXXX XXXX XXXX,ohio XXXX
Consumer complaint received 2019-08-18
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)

I would like to request a security freeze placed on my Consumer Disclosure Report. I chooseto opt-out of your disclosing future information until further notice including the XXXXReport and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personalinformation. This security freeze request not only restricts credit bureaus and creditors, butalso future potential employers until I lift this restriction. Under the Fair Report Act, you arerequired to comply. My name is XXXX XXXX . My current and only address is: XXXX XXXX XXXX XXXX,Ohio XXXX1. Please remove any telephone number thats not XXXX.Please delete the following addresses: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,oh XXXX XXXX XXXX XXXX XXXX,ohio XXXX