davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-06
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: Upgrade, Inc. (NY)

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

. Identity Theft UPGRADE INC Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

. Identity Theft UPGRADE INC Account Number : XXXX This is not mine. 

Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.
Consumer complaint received 2024-02-06
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. (OH)

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an ID theft report. find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX XXXX Balance : {$680.00} XXXX XXXXXXXX XXXX XXXX : {$170.00} XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-12-06
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: NAVY FEDERAL CREDIT UNION (NY)

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

. Identity Theft NAVY FCU Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

. Identity Theft NAVY FCU Account Number : XXXX This is not mine. 

. Identity Theft NAVY FCU Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

Identity Theft NAVY FCU Account Number : XXXX This is not mine. 

Identity Theft NAVY FCU Account Number : XXXX This is not mine.
Consumer complaint received 2018-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I missed a real estate tax payment in early XXXX. Bank of America ( hereinafter BOA ) paid the real estate taxes and sent me a letter saying they wanted to establish an escrow account for future mortgage payments. When they failed to make the next real estate tax payment by the due date, I paid the taxes on XX/XX/XXXX to prevent them from coming delinquent. Shortly thereafter BOA wrote to me claiming that I owed them the amount of the tax payment. I wrote to BOA on XX/XX/XXXX to explain what happened and to ask them to correct their records. Their answer was unsatisfactory so I wrote to them again on XX/XX/XXXX and sent them a check for the amount I owed them ( {$10000.00} ) After several e-mails nothing was resolved. I continued to make my mortgage payments ( XXXX ) along with the amount of escrow for real estate taxes that I had calculated. I received several phone calls from BOA attempting to collect the amounts that I did not owe them. I referred the caller to the correspondence I had with BOA, to no avail. 
Finally on XX/XX/XXXX, I personally went to the closest BOA branch and met with a Ms. XXXX XXXX and explained the problem to her. She asked me for copies of the previous correspondence and my cancelled check in payment of the disputed amount, which I provided to her. Sometime shortly after that meeting she called me and said that she had talked to their mortgage people and that everything should be sorted out in a timely manner. She also stated, which I now know to be false, that none of this dispute had been reported to any credit reporting authority. 
Since then I have received multiple phone calls from BOA and each time I have referred the caller to MsXXXX XXXX so they could find out what happened. I even provided the caller with her phone number. Finally on or about XX/XX/XXXX I received yet another phone call from a BOA employee that called herself XXXX, and I yet again referred the caller to Ms. XXXX for clarification. 
In the interim I purchased a new vehicle and I was surprised to learn that the interest rate on my auto loan was much higher than I anticipated. When I checked my credit report I discovered that, contrary to MsXXXX XXXX statements, BOA had been reporting every payment since the original correspondence as a overdue to all of the major credit reporting corporations. 
I have recently received two letters from BOA. One telling me that the amount of the escrow payments now due with each payment is exactly the amount the I had calculated and that I have been paying. The other letter informed me that BOA was selling my mortgage and that a new payment processing company would be getting in contact with me.
Consumer complaint received 2023-06-04
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: EQUIFAX, INC. (KY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to Privacy 15 U.S.C 1681 section 604 A Section 2. states a Consumer reporting agency can not furnish a account without my written instruction. BELOW is all the accounts I need removed please ALSO please remove ALL HARD inquires XXXX 1.XXXX XXXX XXXX Finance ) XX/XX/XXXX 2.XXXX XXXX ( Finance XXXX XX/XX/XXXX 3.XXXX XXXX ( Finance ) XX/XX/XXXX 4.XXXX XXXX ( Finance ) XX/XX/XXXX 5.XXXX XXXX ( Finance ) XX/XX/XXXX 6.XXXX XXXX XXXX ) XX/XX/XXXX 7.XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XXXX ) XX/XX/XXXX EQUIFAX 9. XXXX XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX XXXX, XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XXXX XX/XX/XXXX COLLECTIONS TO BE REMOVED EQUIFAX 1. XXXX XXXX Last reported XX/XX/XXXX {$4200.00} Open balance XXXX XXXX XXXX Opened XX/XX/XXXX ( 2 yrs, 11 mos ) 2. XXXX XXXX Last reported XX/XX/XXXX {$670.00} Open balance XXXX XXXX XXXX Opened Account status XX/XX/XXXX ( 2 yrs, 11 mos ) 3. XXXX XXXX  XXXX Last reported XX/XX/XXXX {$500.00} Open balance XXXX XXXX XXXX Opened Account status XX/XX/XXXX ( 7 mos )
Consumer complaint received 2022-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (TX)

on XX/XX/XXXX I signed a lease with XXXXXXXX XXXX XXXX for 52 weeks set to end XX/XX/XXXX at the amount {$210.00} a week. I paid a deposit of {$210.00}. On XX/XX/XXXX I advised the owner that I would be terminating the lease on XX/XX/XXXX. The owner advised me that I would have to pay until he finds someone to lease the space. On XX/XX/XXXX the owner took a unauthorized payment of {$210.00} out of my bank account. I advised him to reverse the payment as he had a new tenant and my obligation had been met. He refused so I had the payment reversed by my bank. Her advised me that he signed a new tenant to the space on XX/XX/XXXX so I owed him one week still. Because I paid a deposit in the amount of {$210.00} that amount would be eligible to cover the stated week per my lease. The owner threaten me that if I had the payment of {$210.00} reversed he would come after me for {$4000.00}, even though he already had someone in the space. The owner then sent my account for collections without even sending me anything stating what debt was owed and why. I advised the debt collection agency and they disregarded my emails and phone calls showing proof that I did not owe the debt and placed the account on my credit report for the amount {$2700.00}. He submitted false payment records to the credit collection agency and intentionally misrepresented my payment history. My last payment was XX/XX/XXXX ( which was reversed ). However he reported that my last payment was XX/XX/XXXX because the new tenant that signed the lease with him left the space in a few weeks he is now trying to come after me for the remaining balance of the lease that was broken by the new tenant. I have payment history from my bank and email communications with the owner and the credit collection agency for proof of all of this.
Consumer complaint received 2019-08-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (GA)

Collector : National Credit Systems National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX Toll Free : XXXX Phone : XXXX EMail : XXXX Amount Owed : XXXX I have disputed this account on several occasions with the debt collector and the credit bureaus. XXXX   has removed the account from my credit report based on the facts of my dispute but XXXX and XXXX has stated the account is verified as accurate even with the proof I have provided. When the debt collector National Credit Systems was asked to provide me with validation that the debt is mine and that i owe the debt. I was provided with a copy of a list of charges that was addressed to another individual that is not me nor am i associated with this person in any way. The reporting information is different from the supposed validation documentation as well such as amount owed and date of delinquency. This account is ruining my credit and is preventing me from finding a home for my family. I spoke with the company today and they stated that the account is in fact verified as mine and i owe the debt even with them not having any proof that I even lived at this address.
Consumer complaint received 2022-06-11
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. (TX)

In accordance with the Fair Credit reporting Act, XXXX XXXX XXXX XXXX XXXX # XXXX, and XXXX XXXX  XXXX # XXXX, has violated my rights.

15 U.S.C 1681 Sec 602A states that I have the right to privacy.

15 U.S.C 1681 sec 604A Sec 2 : also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

XX/XX/2018This started all onXX/XX/2018 when I received an email from my employer about a garnishment for XXXX XXXX aka XXXX XXXX. I've never been XXXX XXXX and I even noticed some time ago XXXX XXXX  appeared on my Credit Report and I tried to remove it but it's still there. They related me to XXXX XXXX who probably owes this debt. XXXX XXXX XXXX is collecting on a debt that I do not owe for their client XXXX XXXX. I called XXXX XXXX and they refuse to provide proof that I owe this debt. There is a garnishment on my pay! I've called XXXX XXXX XXXX  every day and multiple times a day since my pay was first garnished. I called them when I found out about the garnishment and they were supposed to send me the dispute form but when I gave them my address information they put it in wrong so I never got the forms. My pay was garnished two weeks later and I called again and they were just going to correct the address but I kept calling in irate and they finally emailed me the forms and gave me the information to fax it in. I continue to call and then I started looking up more information for XXXX XXXX and called them, the guy gave me another number of the debt collector to get more information. I called them and they said they just route the collection and that I would need to speak to the debt holder which was some other company name and gave me the number. When I called the new number it was XXXX XXXX and the guy actually picked up and then hung up on me. I called back and just let the phone ring until he finally answered. I continued requesting the information like the contract with my signature for this debt and he kept saying he can't give it to me over and over. Now I continue to call XXXX XXXX XXXX   every day checking on the status of the request they sent to their client and they are 'still waiting '. on XX/XX/2018 they said they received a notification that the client sent proof of debt validity and I think it's going to be the judgement from the court which is in the attached pdf. They have already garnished {$1800.00} in a single paycheck. Which is incredible for a DEBT THAT'S NOT EVEN MINE! 

They claim that I had a credit card from XXXX XXXX, which I never did when I lived at an address, that I never have. They have gotten information about me from my credit report because they have obvious basic information that anyone who has ever spoken to me would get right, wrong! They say that I knew about XXXX XXXX and I know that's a lie because I never even knew about the judgement until this garnishment. I would have went to the court but I was notified! 

I have NEVER spoken to XXXX XXXX  about anything EVER! Now I need to hire a litigator. 

I have already submitted a WRITTEN debt validation request since the previous request over the phone was denied. I also submitted their 'fraud packet ' which I shouldn't have because now they can attempt fraud more easily. All of this will be included in the upcoming lawsuit.
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

In accordance with fair credit reporting act XXXX  account XXXX Has violated my rights.

15 U.S.C 1681 section 602 A. States that i have rights to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with fair credit reporting act XXXX  account XXXX Has violated my rights.

15 U.S.C 1681 section 602 A. States that i have rights to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2021-02-05
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: ENCORE CAPITAL GROUP INC. (FL)

On XXXX XXXX, 2020, MIDLAND CREDIT MANAG ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX ) add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND CREDIT MANAG has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2018-04-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (SC)

XXXX XXXX has failed to produce a right to cure required by my state, committed libel by notating my account as fraud, disclosed privacy to a third party, threatened and harassed via phone calls, called multiple times within short times, told many different stories regarding my account, failed to produce a requested contract.
Consumer complaint received 2018-08-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (IL)

I have contacted XXXX XXXX probably close to 100 times. I have talked with so many different people, customer service, financial representatives, supervisors and I get a different story each time. There is NO consistency. I have been trying to figure out how to lower my monthly payment and/or utilize income base repayment option. They REFUSE to help with any of this. It's beyond frustrating. I have three student loans with them in additional to Federal Student Loans and I can't afford the monthly payment. Working with this company is nothing short of a nightmare.
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting Accounts ; # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, & # XXXX have violated my rights. 

In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OR)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (IL)

I orders a new card with American Express and I verified that I would be given a new card number right away. Due to this I canceled my other XXXX. Then I tried to get my card number and they said unfortunately we can not help your card number and instead I must wait for it in the mail. Now I cant get groceries. They lied to me on a recorded call and it cause many issues.
Consumer complaint received 2019-08-29
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: Fidelity National Information Services, Inc. (FNIS) (DC)

XXXX and XXXX both are illegally adding and reporting false information from credit companies that I never signed any contract with and have absolutely no dealings with in general. No legal contract can be produced for XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX. In Addition no data was furnished or producible to validate any legal contract binding to agencies acting on behalf of other companies therefore no legal contract is made! Erase these items from my credit and reprimand the reporting agencies for continually and knowingly adding these false entries after deletion!
Consumer complaint received 2018-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This account was opened after the company originally closed my original account after investigating that a representative did inform me it would not be closed. Now, with this account I went over the credit limit in XX/XX/2018, I called to rectify the situation and asked why there was a hold on my account that representative informed me it's nothing to worry about. I inquired if my account was closed he stated NO. That same week my account was closed. I filed a XXXX   complaint and the rude rep. stated it was my fault and nothing can be done. I fell behind on payments due to being treated rudely and being provided false information. I was offered a lower payment online and accepted, yet it somehow did not go through. I called the company in XXXX, XXXX, XXXX and XXXX. Each time got conflicting information. I made a payment in XXXX and I asked the rep. if it would be shown as a payment for that month and they stated YES. Well, it was not. The company stated it wasn't the minimum due, I filed another XXXX complaint asking a supervisor to pull all calls and provide me a transcript. That was denied. One rep called me and when I called back never returned my call. I was told first and foremost my account would NOT be closed yet it was. I made a payment to defer a charge off and was assured by the rep. though it isnt the full minimum they work for what fits my budget. Yet, it's being spinned in a whole other direction. They violate fair business practices and need to do a full investigation on my account which will show dates I logged in to set up payments.