davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Driveway Finance Corporation (TX)

But my credit report there's a company called driveway it is listed with all three companies account number XXXX. The XXXX type on the account is showing auto financing for XXXX and XXXX and finance/personal for XXXX none of the three are correct and it should be as credit sales. The contract will sign in the dealership and let me add that the balances are incorrect. Shows how balance of {$8400.00} and also a balance owed of {$3400.00}. The account is listed as closed and collection / charge off with an owed amount that is incorrect as well. The vehicle was repossessed and auctioned however gap insurance was a part of agreement. If the finance company filed the gap insurance the balances are incorrect. I have sent validation letters to the bureaus get no validation letter has been delivered to me as requested. I would like to document the certified mailing as of XXXX for XXXX and XXXX
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

On XXXX, XXXX XXXX add a derogatory mark on my credit report per XXXX  XXXX. Upon farther research, this account balance is incorrect. Debtor 's creditor 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 a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NM)

I hired a lawyer to send out cease and desist notices to this company, but they still are still harassing me with their constant phone calls. I can not use my USA number anymore ( I live in XXXX and the alleged debt they are trying to collect is in the USA ). Cybersecurity experts at both XXXX XXXX and XXXX have determined definitively that perpetrators cloned my computer and did more than simply stealing of my name and social security number, yet this unscrupulous company Portfolio Recovery Service continues to harass me. My lawyer has demanded that they remove this from my XXXX, XXXX XXXX, and XXXX  files, but this Portfolio Recover is relentless. My assessment is that they are sociopaths or perhaps suffer from malignant narcissism. Whatever their disorder, they appear to have no conscience.
Consumer complaint received 2021-06-21
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. (IL)

On XX/XX/XXXX, I wrote to Experian requesting an investigation into items that I believed were OBSOLETE. To date, I have not received a reply from Experian or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my Third request. 

Please see my reasons for dispute below : 1. Mistaken Identity XXXX  XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. Mistaken Identity XXXX  XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
Consumer complaint received 2022-12-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

My PayPal account can not be linked to the bank and withdraw cash. I have contacted the customer service staff " XXXX  '' many times. The attitude is extremely bad, and I ended my call directly. So far, the account problem has not been resolved.
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian is currently reporting an address on my credit report that is not mine. The address is also attached to a fraudulent XXXX account this is not mine as well which is currently hurting my credit negatively. I did not authorize Experian to publish the address on my report that I am not affiliated with.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (CA)

RECENTLY I HAVE TRYED TO APPLY FOR A STUDENT LOAN FOR MY EDUCATION AND THE FINANCE COMPANY SAYS MY PERSONAL INFORMATION DOES NOT MUTCH WITH LEXISNEXIS. I HAVE TRYED TO CORRECT MY PERSONAL INFORMATION WITH THEM BUT THEY DO NOT WANT TO DO IT. I HAVE SENT THEM MY DRIVER LICENSE MY CURRENT UTILITY BILL AND A BANK STATEMENT. PLEASE HELP ME SO I CAN GET MY STUDENT LOAN.
Consumer complaint received 2022-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My laptop was stolen with all my info. And i just got my credit report and see my credit had hard inquires on my report. Which is stopping me from moving forward in life
Consumer complaint received 2022-12-04
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: Mercedes Benz Financial Services (NC)

In accordance with the fair XXXX act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-07-21
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-09
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: BMW Financial Services NA, LLC (NY)

BMW FINANCIAL SERVICES Inquired on XX/XX/2019, XX/XX/2019 add a hard inquiries on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2019-10-28
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. (WI)

I have submitted detailed documentation to the credit bureaus about identity theft in my behalf. I would appreciate if they could remove these accounts from my credit report 1. XXXX XXXX acct # XXXX 2. XXXX XXXX acct # XXXX 3. XXXX XXXX acct # XXXX ... 4. XXXX acct # XXXX
Consumer complaint received 2023-04-10
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. (IL)

I am filing this complaint to the Transunion. I sent them a letter and called them even regarding the alleged debt of the account reflected in my credit report wherein I was never notified of this alleged debt. Under the CFPBs new Debt Collection Rule that become effective XXXX XXXX XXXX  this collection agency is illegally reporting an unsubstantiated debt and never provided proper notice before reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (FL)

Unrecognized account with BMO Harris Bank In XX/XX/2022, I got a statement from BMO Harris Bank mentioning a savings account number with XXXX dollar balance. I dont remember ever opening an account with BMO Harris bank. I didnt even know such a bank existed and I had to search online to see that it is a legit bank. 

I called the number provided in that statement and spoke to an agent. When I mentioned the issue and asked them when the account was opened they said they cant provide that information. They said I need to go to the nearest branch ( which is more than a 100 miles from my house ). I told them that. They offered to close the account. 

I thought the matter was settled. I was still worried and put a freeze with credit agencies. 

I got another USPS mail statement in XXXX for XX/XX/XXXX for the same account number with a XXXX dollar balance I believe the BMO HARRIS bank is trying to open fake accounts - like another bank that did a few years back and was penalized. Initially I thought somebody opened an account in my name - assuming my SSN is compromised. Given that BMO harris promised me that the account will be closed and I still got the statement makes be believe the bank is doing something fishy. 

I called again and spoke to some one and explained the issue including the fact that the account was supposed to be closed last month. They put me on hold for more than 1/2 an hour. I hung up as I realized that they were deliberately doing this.
Consumer complaint received 2021-03-09
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: EQUIFAX, INC. (PA)

Hello, My name is XXXX XXXX. I am writing this to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be deleted in order to correct my credit report. I reported the theft of my identity to the Federal Trade Commission. I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. These accounts are causing me to be denied by credit card companies. Please delete these items as soon as possible. 
Thank You.
Consumer complaint received 2022-07-28
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. (NJ)

I am XXXX  that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2018-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX/XXXX XXXX XXXX XXXX  continue to report late payments on the account, from XX/XX/XXXX until XX/XX/XXXX OF THIS YEAR. The account was paid IN FULL in XXXX, and they refuse to provide me with the audio recording where I was told ON RECORD that paying the account in full would remove all negative reporting on my account. I received a letter stating that " isn't their policy '', which is absolutely ridiculous because that's what I was told. Your word is a contract, and you don't want to provide me a copy of my own recording? Furthermore, I cleared this matter before I became a police officer, which was in XXXX. They literally report this late account each month, and it is impacting my ability to acquire loans to assist my family with medical and legal matters. I hope CFPB publishes this account, so they know this company continuously reports late payments month after month, year after year the company has closed. I will not give up until this is corrected.
Consumer complaint received 2022-05-02
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. (MA)

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX  Account # XXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-10-28
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Diversified Consultants, Inc. (MO)

This company ( Diversified Consultant ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other  than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : Shayla> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Consumer complaint received 2022-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

to whom it may concern, im writting to you regarding a concern about my loan with Shellpoint Mortgage XXXX # XXXX. As of XX/XX/2021 Shellpoint Mortgage XXXX # XXXX requested to produce a copy of y home insurance policy to verify the policy was active and valid. The same month a copy of the policy was provided to Shellpoint Mortgage XXXX # XXXX validating the current policy. 
Now after several months i found out that Shellpoint Mortgage XXXX # XXXX placed an extra insurance on my account claiming i needed a higher coverage like marble flooring, appliances, electronics, wood flooring, etc. required by the servicer of my loan ( Shellpoint Mortgage XXXX # XXXX ) i called my insurance policy to verify if the information provided by Shellpoint Mortgage XXXX # XXXX was accurate and valid. My insurance agent told me that Shellpoint Mortgage XXXX # XXXX was misleading me to pay for an extra insurance policy that is not required. 
Now Shellpoint Mortgage XXXX # XXXX charged my account without my permission and increased my mortgage payment substantially causing a financial hardship. 
i contacted Shellpoint Mortgage XXXX # XXXX and their insurance company and they keep refusing to cancel the extra policy that Shellpoint Mortgage XXXX # XXXX placed on my account, i requested a manager and supervisors who refuse to return my call for further escalation. 
i am now very concerned because my mortgage company put me in a situation where they increased my monthly payment and putting me in a hardship. 
please help since im running out of time and will be missing my next mortgage payment.
Consumer complaint received 2019-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (UT)

Dear Experian, I am a victim of identity theft and fraud on. The information listed XXXX/XXXX & XXXX XXXX/XXXX XXXX XXXX which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. 

This XXXX/XXXX & XXXX XXXX/XXXX XXXX XXXX accounts resulting from identity theft should be blocked. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 



Please retrieve police report # XXXX from the XXXX police department and send all relevant documents to DATA furnisher.
Consumer complaint received 2021-01-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hillcrest Davidson & Associates (TX)

XXXX XXXX with Hillcrest/Davidson and Associates has called myself and my wife from spoofed numbers in order to collect a debt that is not owed. His first text message said we owed his clients $ XXXX and then sent a letter saying we owe over $ XXXX. I have asked multiple times through email for documentation supporting his claim and he refuses to provide a written contract or any type of agreement showing this debt is owed. He is very abusive to the point he called my wife stupid because she didn't have any idea what he was talking about. He is making false claims that money from his client was used to purchase land and a house. He has committed several usury laws and is harassing me now after telling him several times to provide documentation of this debt. The last contact was today XX/XX/2021.
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I have contacted XXXX  and Experian previously and asked them to remove this account from my report as it does not accurately state any information at all. 
I have notified XXXX as well as XXXX XXXX County of this reporting and both state that they do not report to any credit bureaus and that they are falsely reporting this information. 
Each time I have reported this and made a complaint, it is closed with no real investigation. 
You are violating my rights by reporting false information. 

Please remove this account from my reports.