davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-08
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 (IL)

I have an unauthorized inquiry from AMEX twice from two datesXX/XX/XXXX/XX/XX/XXXX. I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company from a letter. This is my formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OR)

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 2019-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weber & Olcese, PLC (MI)

This collection agency is going above and beyond what is necessary to attempt to collect a debt I've already notified them that the card was opened fraudulently without any knowledge from myself XXXX XXXX XXXX was the original creditor they are aware of this this collection agency is well aware of this as well at one point XXXX XXXX XXXX had four different mailing addresses for me within a year 's time I mean if that doesn't throw up some red flags I don't know what does but this collection agency is still harassing me when it's more than obvious that the account does not belong to me never did the identity theft happened 6 + years ago at this point at a certain point enough is enough and now they've gone as far as asking the courts to subpoena more of my personal information at a certain point they need to accept that this was a case of identity theft like every other bank that was involved years ago did this is the only bank that I still had an issue with and this is the only question company that still is harassing me there's nothing more to give at this point you're asking for information I don't even have your asking for recent loan applications I don't have any recent loan applications you're asking for copies of my paycheck I'm not working and haven't been for a while now you also want bank statements what do you hope to accomplish I'm not working do you really think there's any money in my account? My domestic partner works but we are not officially married so no you can't go after him for this fraudulent account I've requested that you show me proof all you did was send me bank statements nobody 's disputing the fact that the account was opened and it was used it just wasn't used by me and nobody can explain why there's so many different phone numbers and email addresses and physical address is associated with this account when I've lived at the same place for years now but whenever I bring that up you just ignore that fact
Consumer complaint received 2019-02-08
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I previously did a complaint with Bank of America on this matter and only one of two issues were resolved. They did advise that their XXXX loan on this land was transferred to XXXX BUT they did NOT resolve the issue on the mobile home which sits on this property. 

In XXXX XXXX and XXXX XXXX received a loan from Bank of America which put a lien against the land located at XXXX XXXX XXXX, XXXX, CA AND the mobile home located on said land known as " XXXX XXXX, Model Starcrest, Serial Nos. XXXX ''. 

In XXXX the XXXXXXXX XXXX refinanced this property again with Bank of America, and said loan is still being paid at this time and we are NOT asking for a release for this loan. What we are asking for ONLY is for Bank of America to remove their lien from the mobile home as the XXXX loan was paid in full in XXXX. Attached you will find the XXXX Title Search showing the lien on the mobile home is specifically for the XXXX loan ONLY as the loan in XXXX did not put a lien on the mobile home. I have also attached a copy of the 1st page of the XXXX Deed of Trust and the Full Reconveyance that was recorded in XXXX which removed the XXXX lien off the land but not off the mobile home. 

I have been advised over and over that THIS loan ( XXXX ) was transferred to XXXX in XXXX but you can not transfer a paid/closed/release in full loan since it no longer exists. If BofA was able to record a Full Reconveyance in XXXX for land they are also obligated by law to release the lien from the mobile home that was secured by the same XXXX loan that has been PAID IN FULL. 

Please make sure that someone from BofA has a representative that is familiar with how mobile home liens work deal with this complaint because the regular loan parties just are not understanding this matter.
Consumer complaint received 2022-08-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I received a letter from Portfolio Recovery Associates , LLC on XX/XX/2022 they claimed I owed them an alleged debt of XXXX I responded with a letter through certified mail with return receipt for my evidence and ask Portfolio Recovery Associates , LLC to provide me with documents for validation. I have not received any validating documents from this company of this alleged debt it has been well over 30 days and more this is a direct violation of the FDCPA. I informed the company this is a defamation of my character, in addition I also let the company be aware until they provide me with a validation of this alleged debt they couldn't continue collection activities or continue to report this to the credit bureaus. They continue to report this on my credit report without any validation of this alleged debt, I have not now, nor have I ever done business with Portfolio Recovery Associates , LLC and they furnished information on my credit report with out my written consent. According to FCRA 15 US CODE 1681b that's a violation of my consumer rights.
Consumer complaint received 2019-01-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION (CA)

My account was closed in XXXX of XXXX with BBVA due to nsf fees. I recently got an online loan from a company I have previously used with this account as well. I thought I had changed my acct and routing number from bbva to XXXX. They took my loan and covered the nsf fees even though my account was closed. They took the loan on XX/XX/XXXX. I am now expected to cover the amount of this loan and the finance charge due to this bank forcing me to pay a debt. They wont even let me pick my money up from the branch nearest me
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I DID NOT RECEIVE A STATEMENT NOT KNOWING I HAVE NOT PAID I NEVER MISS PAYMENTS THEY CALLED SO I PAD MY BILL OVER THE PHONE THEY WAVED ALL LATE FEES BECAUSE I HAD NEVER MISSED A PAYMENT WITH KOHL 'S AND WHAT THEY DID REPORT THIS TO EXPERIAN CREDIT BUREAU WITH KOHLS DOING THESE LOWED MY CREDIT SORE FROM THE XXXX TO XXXX THIS IS NOT FARE AT ALL
Consumer complaint received 2022-08-18
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: EQUIFAX, INC. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-02-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Corporation (SC)

RECEIVABLES MANAGEMENT C provided an itemized statement, but did not provide ownership of this debt. By law they don't own the debt so how can they collect on this? per FDCPA section 603, the creditor  must provide ownership of this debt. I have and never had at any time any contract with RECEIVABLES MANAGEMENT C. They illegally have my account information and social security number, which is fraud because I have and never had any legally binding contract or agreement with them. They DO NOT have proof of ownership and failed to provide proof. 

Please remove this entry from my credit file or I will escalate this fraud account to the FTC.
Consumer complaint received 2022-03-09
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. (MO)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( Equifax ), has violated my rights. 

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

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

Equifax and XXXX are reporting fraudulently on my report. The scores they provide are 80 points lower than my XXXX report. I have opened credit accounts in the past few months to boost my scores, but from what I see XXXX and equifax are reporting in favor of ensuring that my scores are enabling financial institutions to charge a higher interest rate, even though I pay every balance before I can be charged interest. This is what I consider as fraudulent reporting to allow banks to charge higher rates, even though my payment history is pristine. 

These agencies must be held accountable. I expect the CFPB to do so.
Consumer complaint received 2019-04-01
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: Exeter Finance, LLC. (CA)

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX reported on behalf of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dates : XX/XX/2016 XX/XX/2016 XX/XX/2016 and ... 
XXXX  XXXX reported on behalf of : Exeter Finance XXXX XXXX XXXX # XXXX XXXX, TX XXXX this information is false. Please have it removed.
Consumer complaint received 2019-04-01
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. (CA)

On XX/XX/XXXX I receive a letter from XXXX with my incorrect address XXXX XXXX  XXXX XXXX, Ca,XX/XX/XXXX in which PO Box is closed and XXXX has my new mailing address on their data. 

XXXX is sharing my private information to XXXX in XXXX in which I don't live in XXXX.This is a violation of Federal Laws in United States. Why is XXXX sharing my private information to XXXX and ruining my credit with Derogatory remarks and unauthorize inquiries. 

On XX/XX/XXXX XXXX credit reporting agency has placed the derogatory remarks of lates payments of XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX in which XXXX has deleted the derogatory remarks on XX/XX/XXXX. 
XXXX  and XXXX has communicated with each other in placing the derogatory remarks back on my credit report with XXXX. 
This is a Retaliation and Discrimination againstt me as a XXXX XXXX XX/XX/XXXX and US Military Veteran and my XXXX  XXXX. 
XXXX, XXXX, Experian and XXXX XXXX XXXX has violated my XXXX XXXX Civil Rights Act under Department of Justice. 

I am XXXX XXXX, XXXX and a US XXXX XXXX Military Veteran.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My credit report shows my name being different people, it also has my current address wrong, different balances on accounts. I have paid credit repair companies to try to remove items from my report, I want my credit report accurate, I have a lot of bad inaccurate information on my credit report, please fix these issues, Thank You
Consumer complaint received 2022-12-30
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: Experian Information Solutions Inc. (TX)

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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
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 — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I have written these credit bureaus on numerous occasion in reference to reporting inaccurate information. I was never late for any payments on my XXXX XXXX account. 
I have never missed any payments on mt XXXX  XXXX account opened XX/XX/2016. I have never been late for payments on my XXXX account. 
I do not have a written contract with XXXX XXXX XXXX that states I owe {$330.00} which is incorrect. I also do not have a written contract/agreement with XXXX  XXXX XXXX that states I owe {$1700.00} which is inaccurate. There is also an inaccurate balance of {$1100.00} for XXXX the accurate balance is {$0.00} XXXX XXXX  XXXX inaccurate balance of XXXX the correct balance is {$0.00}. XXXX XXXX XXXX inaccurate balance of {$2200.00} the accurate balance is {$0.00}
Consumer complaint received 2019-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I have received an alert that IC Sytems has place two collection accounts on my credit reports. I dispute this debt and request debt validation and copies of all physical and electronic files sent to this company concerning this debt. This includes copies of contracts for service, Identification used to open account, billing and accounting for all amounts that claim to be due- There are two accounts one in the amount for {$190.00} and {$390.00} company XXXX XXXX . Please accept this letter as notice and I would like copies of these documents within 30 business days according to the FCRA and FDPCA laws. 

I called today at XXXX and was transferred twice they had no information and could not pull up my account. 

Please do not contact me by phone only mailing correspondence.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

my XXXX was filed XX/XX/2015. It's past 7 years now. this derogatory acct needs to be removed immediately. this has been removed off XXXX. I also have XXXX fraudulent inquiries that I have been disputing since XXXX have NEVER had this many issues with any other credit reporting company. I would like this to be escalated.
Consumer complaint received 2019-02-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc. (AZ)

AMCOL SYSTEMS continued to report a collection account on my credit when the debt was paid in full XX/XX/XXXX. I've attempted disputing this account twice with all bureaus in addition with them directly and AMCOL Systems continues to report it as a collection account which has prevented my credit score from improving and is negatively impacting my ability to develop future credit worthiness. 

Amount of Debt originally owed XXXX Amount and date of last payment XXXX XX/XX/XXXX Last reported collection on credit XX/XX/XXXX and is still present today Today 's date XX/XX/XXXX AMCOL SYSTEMS XXXX XXXX XXXX XXXX, SC XXXX XXXX
Consumer complaint received 2019-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Leviton Law Firm, Ltd. (IN)

1. I received several phone calls from this number ( XXXX ) a. Twice on XX/XX/XXXX b. Once on XX/XX/XXXX c. Once on XX/XX/XXXX d. Once on XX/XX/XXXX ( after they were informed not to ) 2. On XX/XX/XXXX, I called the number back because all of the calls were either hang ups or silent calls. 
a. I was transferred to XXXX, who I was told is the case manager for this debt. This is the first time I knew it was for a debt collection.

b. XXXX told me the amount was for {$100.00} and he named the debtor, which was a company that I worked for from XXXX XXXX. I was never an owner in the company, and I informed XXXX of this during the call. 
c. XXXX asked me to pay the debt, to which I reminded him that I am not, and never was, an owner in the company. And, the company is no longer in business. 
d. XXXX also told me that the debt was for some type of insurance for the company. 
e. During the call, I asked XXXX to take my number off the account. At first, he refused and was rude and blew me off. He cut the call short by hanging up while I was asking to confirm that my number was removed. 
f. Therefore, I had to call back again on XX/XX/XXXX to ensure he was removing my number. He then stated that he would remove my number. Again, after treating me rudely and condescendingly. He even admitted to hearing me ask a question as he hung up on me. 
3. On XX/XX/XXXX, I received another silent call from the same phone number. 
a. I called XXXX immediately after and informed him. I asked why my number was still being called. 
b. XXXX said he would remove my number. 
4. This is when I decided to file a complaint because this just doesnt feel right to me for several reasons : 1. The calls never identified themselves. They either hung up or were silent.

2. The silent call received on XX/XX/XXXX, after XXXX was rude and condescending on the phone on XX/XX/XXXX, felt like harassment, or at minimum an attempt to annoy me. 
3. XXXX revealed the companys debt, the amount, and what the debt was for to me ; who was never and is not now an owner in the company. 
4. This debt collector contacted me via my personal cell phone a total of five ( 5 ) times : a. Twice on XX/XX/XXXX b. Once on XX/XX/XXXX c. Once on XX/XX/XXXX d. Once on XX/XX/XXXX ( after they were informed not to )
Consumer complaint received 2022-08-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

There is information found on my consumer report that is a result of identity theft. I did not provide my written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as a consumer : XXXX XXXX ( XXXX ) XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXXXXXX 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 ). In the event the transactions are not blocked and deleted within 15 days of receiving this notice, I will seek litigation on the 3 credit reporting agencies listed in this report per the fine of {$20000.00} per day detailed in my XXXX Lien Notice regarding damages if the violation of my consumer rights continues. Affidavits have been sent via certified mail to all 3 credit reporting agencies listed in this complaint, and a FTC identity theft report has been filed as well ( Ref. # XXXX ). You are required to do what I am asking and block these transactions from being reported to my consumer report within 15 days from the date of the receipt of this notice. I look forward to your response. Thank you