davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-18
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. (TN)

Delete account immediately In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, # XXXX 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 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 2021-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Good afternoon, I am very upset due to the fact that I've been calling and calling the credit bureaus regarding my identity was stolen resulting fraudulent account on my credit report. I recently pull my credit report and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. immediately I went to the FTC website and submit an identity theft report. Also, every time I called the credit bureau it seems like I am going through a maze. Its almost impossible to speak to a live rep that's in the right department. I have attached the FTC report below with my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting me from getting a house for my family
Consumer complaint received 2021-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc (UT)

Harley Davidson is reporting a late notation on XX/XX/21 on my credit file. I recently looked at my credit and noticed some this late on my credit file. Due to XXXX and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see Harley Davidson report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that Harley Davidson please take leniency on my hardship and remove the late as a onetime goodwill adjustment.
Consumer complaint received 2021-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

An item was placed on my credit report by Portfolio LLC, that I had no prior knowledge of and that was fraudulent. I have filed a XXXX complaint and at this particular time, have received no resolution. I was no informed or aware of this issue or damaging mark on my credit until my expecting fiance and I were denied housing over the matter. At this time I have retained legal counsel and will be pursing the matter further, if corrective action is not taken to alleviate this matter.
Consumer complaint received 2022-01-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company (VA)

I asked the company, Frost Arnett to verify the debt as I never received calls on my only number which is a cell phone. They reversed the derogatory credit report and sent me a statement dated XXXX. 
I placed a call to Frost Arnett to find they have already sent the derogatory report back on my report 5 days ago. 
I called to pay the debt in 4 installments and they had already reported it even though I had ask for them to send me a bill.

This is so unfair. I want to pay my debt asap now that I have the charges.

Once again, not one phone call to work with me to pay it. 
During the times we are having a lack of mail delivery, the least they could do is work with me and I will pay in full. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

A certified letter dated XX/XX/XXXX disputing this alleged debt and requesting that Portfolio Recovery Associates validates was sent. On XX/XX/XXXX, I received a call from an old friend stating that they received a call from XXXX XXXX XXXX at XXXX about a debt that I owe to Portfolio Recovery Associates. Then I received a call from this company on XX/XX/XXXX at XXXX, phone number XXXX, and spoke to XXXX XXXX XXXX ID : XXXX. I informed him that I previously mailed a letter demanding that that validate the alleged debt and to send me said documents via postal mail. XXXX stated that my letter was received, the dispute was closed, and that it why he was calling me. I then received a letter on XX/XX/XXXX from Portfolio Recovery dated XX/XX/XXXX with XXXX months Statements from XXXX XXXX which does not validate this alleged debt. 
On XX/XX/XXXX, I sent another certified letter ( Tracking NumberXXXX ), and it shows that it was received on XX/XX/XXXX. The letter demanded that the company validate the alleged debt, to not contact me via telephone. I also asked that they delete this account from my credit reports since they failed to validate it. 
As of XX/XX/XXXX, I have yet to hear back from Portfolio Recovery and they continue to report this account on my credit reports. They last updated it with the credit bureaus on XX/XX/XXXX. I also disputed this account with the credit bureaus, they continue to say it was verified with the collection agency
Consumer complaint received 2021-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (LA)

I entered a consumer credit transaction with RECIEVABLE MANAGEMENT and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that RECIEVABLE MANAGEMENT claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. RECIEVABLE MANAGEMENT has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
Consumer complaint received 2021-05-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (CA)

This is for one main financial. This situation started around dates of XXXX to XXXX. One main has over abuse their power. I on XXXX XXXX i was badly injured at work, which lead me to being in a worker 's compensation case and out of work do to severe XXXX  and XXXX  injury that had occurred. One main consistently called during a time of distress for me stating they was collecting debt of XXXX {$7500.00} XXXX. I explain to them i was in a injury case was not working. The representative then stated in my contact i had insurance on the loan, and i could apply it, till further notice. No insurance was ever implied, threaten to garnish my pay, sent me a summos to a judgement on my name if i dont pay the full balance of now which is XXXX. Can somebody assist me please.
Consumer complaint received 2023-03-16
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: Exeter Finance, LLC. (OH)

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 XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX  Account name # XXXX XXXX XXXXXXXX XXXX XXXX Account name # XXXX XXXX XXXX Account name # 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 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 2021-05-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Resources, Inc. (NM)

On XX/XX/2021 I received a letter from Collection Resources , Inc in XXXX XXXX, New Mexico for a Medical bill. The amount was for {$730.00}. The amount of the bill sent to this collection agency was only for {$720.00}. On XX/XX/2021 I wrote and mailed a dispute letter to the above company informing them that these additional fees violate the Fair Debt Collection Practices Act and that this inflated amount is not allowed. This letter was sent via USPS signature required and was received by Collection Resources, Inc on XX/XX/2021 at XXXX Mountain Time and signed for by C. Resources. On XX/XX/2021 I received a letter from the above company with an inclosed itemized statement from the hospital stating that the debt owed was {$720.00}. On XX/XX/2021 at XXXX Mountain Time I called Collection Resources, Inc and spoke to XXXX XXXX about the account. Per XXXX the amount now owed on the account is {$740.00} due to taxes that were added to the original debt. I advised that this is why I was disputing the account and asked for something on their company 's letterhead stating that these taxes were valid and not in violation of the Fair Debt Collection Practices Act. XXXX then transferred me to her supervisor XXXX. XXXX stated that they are going by the New Mexico law that allows additional fees to be added to collection accounts. I asked XXXX to please provide me with this law information or a letter on their letterhead explaining that this law supersedes the federal Fair Debt Collection Practices Act. XXXX stated that she did not have anything like that and that she could not provide me with anything like this.I advised her that until I obtained proof that New Mexico collection laws supersede the federal FDCPA from their office on their letterhead that I would be unable to pay this bill and that I would continue to dispute it per the violation of the FDCPA sections that state that collectors can not misrepresent the amount owed and can not charge additional fees. She stated that she would notate the account and the fees would continue to accrue. That is when I contacted the FTC and was referred to the CFPB to file a formal complaint.
Consumer complaint received 2021-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My XXXX XXXX XXXX XXXX XXXX Credit Card has been hacked dozens of times since the major data breech. The card has been replaced several times with an enormous amount of time on the phone with them contesting fraudulent charges and an erroneously late charge. 

I've cancelled the account in desperation, even though I'd prefer to remain a XXXX XXXX XXXX member. Enough is enough. The late fee is {$27.00} and they refused today XX/XX/21 to remove it from my bill.
Consumer complaint received 2021-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have a collection on my reports that are not mine and from a different state. I disputed them and they came back accurate. I called the collection agency and they were rude to me and someone was suppose to call me back and never did. They refuse to take it off my credit report even when I can prove Ive lived at my current address for almost 7 years. Ive never lived in the state of Florida. I want it off my credit reports as it is not mine and it is ruining my credit. I was in the process of buying a house and now its on hold due to this.
Consumer complaint received 2023-04-08
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: EQUIFAX, INC. (MI)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time 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 2021-10-15
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. (MO)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX XX/XX/XXXX Dear CFPB, I have been disputing with Trans Union for over 7 months now trying to remove some illegal and unauthorized inquiries from my credit report. All I get in response is something like this : The information you disputed has been received. The results are : Inquiries are a factual record of file access and will remain on the Trans Union Credit File two years from the reported date of the inquiry ( see section Trans Union reply to inquiry removal but what if those inquiries are illegal and unauthorized? Dont inquiries need to be verified just like accounts? I know that the inquiries werent verified because of the time frame from when they received my disputes and their reply back, it is like 3 days, too quick for verifying data, to me. 

That being said let me say I want the following inquiries deleted from my credit report for a few violations that Trans Union has committed. I want Trans Union to delete these inquiries for violation because they ( Trans Union ) are still continuing to report these inquiries without ever verifying them in the last 7 months and I want Trans Union to delete these inquiries for violation because these inquiries obviously do not meet the FCRA guidelines of having a FIRM offer of credit, employment, insurance or a court order. 

The following is a list of inquiries that need to be deleted from my credit file : XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Again here are the violations being committed by Trans Union when they dont delete the inquiries above in the list : - They ( Trans Union XXXX are continuing to report these unverified, illegal and unauthorized inquiries without ever verifying them. 
- These inquiries do not meet the FCRA guidelines of having a FIRM offer of credit, employment, insurance or a court order. Delete for violation. 

- Failing to provide documentation and method ( s ) of verification when asked for within the 30 day time allotted window ( see letter dated XX/XX/XXXX and letters dated XX/XX/XXXX ). 

- Failure to do an investigation and an independent re-investigation ( see Letter dated XX/XX/XXXX ). 



Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.
Consumer complaint received 2021-05-19
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)

AT XXXX XXXX  AND XXXX XXXX  ON XX/XX/19 I RECEIVED EMAILS FROM THE CFPB STATING THAT THAT COMPLAINT ID 'S WERE CLOSED/RESOLVED. AT XXXX XXXX  I SUBMITTED FEEDBACK ON A CLOSED CFPB COMPLAINT WITH EXPERIAN. IN THE ORIGINAL COMPLAINT, I STRESSED I WANTED NO ADVERSE ACTION TAKEN AGAINST ME. THESE DISPUTES WILL IN EFFECT HAVE BOTH COLLECTION ITEMS UPDATED ON MY CREDIT REPORT AS SOON AS THEY RECEIVE A RESPONSE FROM THE CREDITOR THUS TAKING MY SCORE DOWN AGAIN AS A RESULT OF UPDATES TO BOTH DEROGATORY ITEMS. I WIILL RECEIVE THE IMPACT OF NOT ONE BUT TWO UPDATES IF THESE ARE NOT CLOSED. IF THESE DISPUTES ARE NOT CLOSED IMMEDIATLEY, THIS WILL JUST BE YET ANOTHER PART OF MY ORIGINAL COMPLAINT.I HAVE SPOKEN TO TWO AGENTS XXXX AND XXXX. THEY CONFIRMED THE CALLER CALLED AT XXXX XXXX  TODAY STATING THEY WERE ME. I DID NOT MAKE THIS CALL. I ALSO WORK AND WAS WORKING ACTIVELY ON INBOUND AND OUTBOUND CALLS AT THAT HOUR AND WOULD NOT HAVE BEEN ABLE TO MAKE THIS CALL. I ALSO AM IN THE MIDDLE OF A MAJOR CREDIT PULL UNDERWAY AND WOULD NOT HAVE OPENED THIS DISPUTE FURTHER IMPACTING MY CREDIT PROFILE WITH ERRONEOUS UPDATES. THESE TRAELINES WHILE THEY SHOULD NOT BE REPORTING, I CAN NOT AFFORD THE IMPACT OF THESE NOT BEING PROPERLY RESOLVED AT THIS TIME. XXXX CLOSED MY CLAIM STATING THAT THE IDENTIFYING INFORMATION I PROVIDED DID NOT MATCH MY CREDIT PROFILE. THAT WOULD BE IN ACCURATE. IT WAS FURTHER CONFIRMED BY AN EXPERIAN REP XXXX THEY RECEIVED A REQUEST FROM THE CFPB AND DOCUMENTATION REQUESTING UPDATES ON MEDICAL DATA SYSTEMS TODAY. I INQUIRED WHAT WAS BEING REQUESTED IN THE DISPUTES AND I WAS TOLD THEY WANTED A STATUS OF THE ACCOUNTS. I REQUESTED THESE DISPUTES BE CLOSED IMMEDIATELY AND WAS TOLD BY XXXX IN DISPUTES THIS HAD BEEN CLOSED. HOWEVER I JUS RECEIVED A NOTICE FROM EXPERIAN ABOUT DISPUTES OPENED AT XXXX XXXX  AS NOW RESOLVED WITHIN XXXX HOURS! HOW CONVENIENTLY IN SOMEONE'S FAVOR OTHER THAN MINE. MY CREDIT PROFILE SHOULD NOT BE IMPACTED AS A RESULT OF THESE COMPLAINTS. THESE TRADELINES HAVE BEEN UPDATED AND MY SCORE WILL UPDATE AS IMPACTED BY TOMORROW AS A RESULT. I AM SENDING THIS TO THE ATTORNEY GENERAL 'S OFFICE. I WILL SEND THIS TO EVERY SUPERIOR OFFICE, DESK OR OTHERWISE UNTIL THIS IS RESOLVED AND YOU CEASE CAUSING HARM TO MY CREDIT PROFILE. SOMEONE IN EXPERIAN NEEDS TO GET TO THE XXXX OF THE PHONE NUMBER THEY WERE CONTACTED FORM TODAY AT XXXX. THEY NEED TO ALSO TRACE FROM WHERE THEY RECIEVED UPLOADED DOCUMENTATION FROM THE CFPB ON A UNRELATED COLLECTION TRADELINES
Consumer complaint received 2020-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : DEPT OF ED/XXXX   XXXX Inaccurate DEPT OF ED/XXXX  XXXX Inaccurate DEPT OF ED/XXXX  XXXX Inaccurate DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Consumer complaint received 2022-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. Reference # XXXX 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 consumer reporting agency can not furnish a account without my written in instructions.
Consumer complaint received 2020-10-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (CO)

PNC is being once again completely fraudulent with documents deferring payment during this covid. Spoke to agent sent docs back to add to back of loan Now they are stating docs were late padtdue and thdy need complete payment of owed amount. Hassling me over phone every day not receiving the correct datsz due told me initially as long as postmarksd XX/XX/XXXX nd they have not received by mail yet as of XX/XX/XXXX th. Please stop them from this and put balance on back of loan. 

Second fraudulent claim against them in one month. They told me pmi would be removed and forebearance would not effect it. More lies.