davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

My name is XXXX XXXX .I have a few items of personal information on my file that is inaccurate First I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. I am a business owner my company is XXXX XXXX XXXX XXXX XXXX XXXX. 
The following addresses are not accurate please delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

XXXX This is my Experian file number from my last complaint, which you state in my first complaint file " might take 15 days. '' It seems Experian has not responded nor to you or me, or has attempted to repair the problem and therefore, does not understand their grave responsibility to report correct, verified and permitted information with MY WRITTEN CONSENT per 15 USC 1681 section 604! 

They have not attempted to fix ANY of my information per the Fair Credit Reporting Act 15 USC 1681 section 602 states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Experian is a consumer reporting agency and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801, which states, " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' They have not removed the bankruptcy from my file as per my complaint and the proof from a bankruptcy statement from the Arizona Bankruptcy Court that that they do not share information to third party agencies according to 15 USC 6802 ( b ) ( c ) ; " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Experian never informed me of my right to exercise my nondisclosure option. 

As well as late payment information still showing up on my Experian credit report that is simply inaccurate! I have never been LATE! 

There are many more codes that defend my rights, but for now, this is negatively affecting me and I want it fixed immediately! Not only that, but they haven't even attempted to fix the easier things like the misspelling of my name, my multiple addresses that aren't mine as they are un-mailable or addresses I never had and finally an account that I NEVER had that is still on the report. It's not my account never was my card, but there was Identity Theft because someone USED MY CREDIT to GET A CARD and it wasn't me! 

Finally I am opting out of your reporting services per 12 CFR 1016.7!
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

An account by the name of XXXX XXXX is reporting to my Experian and XXXX credit reports having inaccurate 'Account Status ' information. Theses accounts were paid charge-offs that should both reflect XXXX balances. These accounts are reporting as " Debt included in or discharged through Bankruptcy XXXX XXXX, XXXX, or XXXX '' which is incorrect. 

- A chapter XXXX bankruptcy was filed in the state of Colorado in XXXX of XXXX and XXXX in XXXX of XXXX. 

- A XXXX energy account was opened in the state of Texas in XXXX of XXXX where my last payment was in XXXX of XXXX. 

I'm not sure where this mix-up happened during the reporting process, but I have attached documents showing activity on a XXXX XXXX account well after my Chapter XXXX bankruptcy was XXXX in XXXX of XXXX. This would make the status of these accounts incorrect/impossible. I have disputed these accounts too many times to count and just would like accurate information present on my credit report. Experian also refuses to report a XXXX balance.
Consumer complaint received 2022-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (ME)

XXXX XXXX XXXX lease XXXX XXXX XXXX XXXX XXXX SC XXXX 

Lease financed thru XXXX XXXX XXXX XXXX/Chase Auto . 
The vehicle was registered in SC the entirety of the lease XXXX. 
The vehicle taxes were paid to SC the entirety of the lease XXXX. 

10-months after the vehicle was turned in I received a bill from Chase Auto in the amount of {$860.00} for taxes owed in TX.

Again, the vehicle was registered, garaged and taxed in SC the entirety of the lease.

I have called 3-times. I have sent a certified letter. I have spoken with 3 Chase representatives today. And I finally paid the bill in protest today, fearing Chase would ruin my credit over their blunder! 

I am providing all vehicle registrations. 
I am providing all SC tax receipts. 
I have names of Chase reps with whom I engaged.
Consumer complaint received 2021-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

Complainant previously filed a complaint that was responded on XX/XX/2021. The compny 's policy of " any one over the age of XXXX has to be screened and added to the Lease Agreement '' has nothing to do with the duration of how long a guest can stay in the apartment. The company 's reponse is evasive and not acceptable. The company should admit it committed fraud.
Consumer complaint received 2022-03-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-04-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Avadyne Health Holdings, Inc (MI)

I contacted XXXX XXXX XXXX XXXX about a payoff of the medical bill that I owed to XXXX XXXX XXXXXXXX XXXX. She gave me a verbal and a written letter as to the total if I paid it by such and such a date I mailed my payment in and it was 5 days late and they cashed the payment and agreed to the amount, but in the mean time placed a collection on all 3 credit bureaus, XXXX, XXXX, and XXXX that will now stay on for 2 years. NOT Fair and there is no law that says they have to report anything.

Since then they have not tried to contact me at all so the money was good to close the account but not to stick me with that on my credit.

This is affecting my chance to obtain a loan.

I want all references of this to be removed from my XXXX, XXXX, and XXXX credit file
Consumer complaint received 2020-06-05
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: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT FILE AND FOUND TWO INACCURATE ACCOUNTS AND AN ENTRY IDENTIFIED AND INQUIRY THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE ACCOUNTS AND INQUIRY GOT ON MY CREDIT FILE. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. EVERYTHING IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS AND INQUIRY DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Consumer complaint received 2018-05-14
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: TD BANK US HOLDING COMPANY (TX)

I have accounts that was not reported to the credit bureau that would make my credit score better. I purchase and paid off three vehicles that was not reported to the bureau and was closed without being reported. I contacted XXXX XXXX/TD Auto Finance and XXXX XXXX  to correct their records and update with all 3 credit bureaus. I am submitting supporting documents that there was an error on there part and they still to date has not corrected on the credit reporting side. I need assistance in getting this corrected. Please note the vehicle purchases were high amount well over {$70000.00} totaling the 3 together. Which paying these items off with good standing would have made my credit score much better. I need my credit report to reflect these purchase and pay off in very good standing. Attaching all 3 credit reports as proof they are not  included on my credit report.
Consumer complaint received 2021-03-05
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PLANET HOME LENDING, LLC (MD)

Good morning, RE : Planet Home Lending We have been trying to get a payoff for a customer, on a VA refinance, since XX/XX/XXXX. Since then we have sent over many requests and spent hours on hold and on the phone with representatives. The customer has called as well and still no payoff. I have spoken to XXXX, XXXX and XXXX and they all say they can not get a supervisor on the phone. My customer is going to have to extend the lock. They now say that we need to send over a CD in order to get a payoff. I have been in the business for over 25 years and never complained about anyone but this is blatant denial to send over a payoff. I don't know what else I can do. I would be grateful if you good give them a call. So frustrating. 
We still have no payoff. 

Thank you,
Consumer complaint received 2021-09-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AMERICAN EXPRESS COMPANY (TX)

This is my final warning against American Express! I have been harassed continuously after my cease and desist and denial of alleged debt which was received by American Express XX/XX/XXXX, proof attached below. American Express claims they validated the debt but all they did was send statements. They never sent the original contract with my signature. 

Furthermore, American Express committed several violations of 15 USC 1692e when they sent false representations to my address through attorneys/lawyers of XXXX XXXX XXXX XXXX 

American Express also violated 15 USC 1692e ( 8 ) as they have failed to record my debt as disputed which clearly warrants a lawsuit. Attached below is proof through a copy of my XXXX report. 

Attached below is my default notice to American Express, they can consider this as a final warning before me and my legal team take action and commence legal proceedings against American Express in Small Claims Court! 

These files have also mailed to American Express Executive Office via USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX .I have a few items of personal information on my file that is inaccurate First I would like to request a opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX , EQUIFAX , XXXX  inquires regarding all personal information. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. I am a XXXX XXXX my company is XXXX XXXX XXXX XXXX XXXX XXXX. I have had issues with addresses on my credit report that do no belong to me. The following addresses are not accurate please delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX OLD XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX CT, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 inaccurate.
Consumer complaint received 2018-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have had this CapitalOne credit card for nearly two years. I have no late payments. It is a secured card. I have asked multiple times when I will get a credit line increase for this card. The credit limit is {$500.00} and I have to pay this card down multiple times a week when I travel for work. Sometimes I become stranded at airports because I can't rent a car while a payment is pending. CapitalOne has told me over and over and over and over and over and over and over that there is a random system that will grant me a credit line increase when I meet the criteria. I demanded CapitalOne tell me who administers this 'random system ' and then they told me that it is done by under writers. I demanded to know where the under writers are, and CapitalOne says they can not reach them because they are in another building. I want the credit line on this card increased to {$10000.00} so that I can use it for work. I want an explanation in detail why I have been told different versions of how this card is considered for limit increase.
Consumer complaint received 2018-12-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (FL)

The company XXXX funding sued me without a subpoena or notification, now many years later they are garnishing my wages without any notification. The company also can not provide any information regarding the alleged debt.
Consumer complaint received 2022-06-18
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-18
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

I received a Citi Aadvantage card. I paid the balance down every time I used the card through a XXXX business checking account. I racked up {$8000.00} charges. While my XXXX XXXX Bank Account was debited every time I paid the credit card, Citi closed my credit card abruptly. They said there was an error, being my account that I was paying from is a Savings account. However, I never paid from a savings account. I paid from a business checking account. I reached out to Citi and they said I would also not get the aadvantage airline miles in the quantity they promised. I told Citi they needed to give me my miles. I only got the card because they advertised a bonus for advantage miles on XXXX XXXX that I need to see my daughter. Citi reneged on its commitment, even after admitting the reason they closed the account was their mistake. Then, they tanked my credit from an 800 to less than 600 because they said I never paid. Citi scammed me and wrecked my credit, while lying about delivering points for expenditures.
Consumer complaint received 2018-05-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

My vehicle was stolen XX/XX/18. XXXX paid off their responsible portion, and GAP paid off the remaining. Nissan then stated the remaining deficiency is due 30 days from the  date GAP paid their portion. The remaining balance is XXXX {$3800.00} yet they refuse to set up any type of arrangements with me to help. The contract does NOT state the balance would be due in 30 days if this occurred it states I would be responsible for the remaining balance which I completely understand, however I had to purchase another vehicle and do not have ~ {$3800.00} laying around to pay. I tried to pay with a credit card and that was also refused therefore I have no options left and they say there are no arrangements that can be made. This is unfair to the consumer and the contract does NOT state this is the requirement.
Consumer complaint received 2021-05-09
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: Paypal Holdings, Inc (FL)

Since XX/XX/2021, I have been dealing with someone using my information. From PayPal, XXXX, and now XXXX they open a credit card that now will hurt my credit. 
Please I need help, the phone number they keep using is XXXX. I live in Florida thats NOT my number. Please HELP, I suffer enough & this scam is not helping, I contacted the FBI. On this I need your help. Please. 
Thank you.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Ive sent multiple letters and FTC Reports to Equifax XXXX XXXX and XXXX. All three refused to investigate my claim. Ive told them Ive been a victim of identity theft. They keep saying they verified it. But Ive havent seen anything in writing. The following accounts are All fraudulent. Ive never done business with these companies or entered into a written contract. 
XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Account # XXXX
Consumer complaint received 2018-05-14
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

i am a current card user and my account has been locked by XXXX XXXX. i am unable to make any purchase due to Loss prevention locking my card and asking for proof of id. they require a me to fax my drivers license, social security card, a utility bill and, proof of income. I have worked with them to provide all information i could but no one will assist and my card continues to have a block on it i am unsure why the block has been placed on my card as i have had the card since XX/XX/2018 and made purchases and payments on the card. XXXX XXXX customer service has stated they will not close my account but will lock the account so i can not use it for as long as they want. ..
Consumer complaint received 2021-11-01
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: ALLY FINANCIAL INC. (AR)

I have a letter, from the attorneys that sued Ally financial and clearly states, the account should no longer report late payments, and to delete account from all credit reporting agencies.