davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Harley Davidson Financial Services Inc (CA)

Under the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), there exists a crucial need to ensure that consumer reporting agencies discharge their duties with fairness, impartiality, and utmost respect for the consumers right to privacy. Recognizing XXXX, XXXX, and XXXX XXXX as consumer reporting agencies, and myself as the Consumer, I assert my right to safeguard my private information. This right is reinforced by 15 USC 6801, which mandates that financial institutions uphold customer privacy. Harley-Davidson XXXX XXXX, and XXXX XXXX XXXX fall within the definition of a financial institution under this statute. Per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are authorized to furnish a consumer report solely in compliance with the written instructions of the consumer. Harley-Davidson , XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX lack my consent to furnish this information and are devoid of my written authorization. Any form of consentbe it verbal, non-verbal, written, implied, or otherwiseextended to Harley-Davidson XXXX XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX is hereby revoked XXXX Moreover, 15 USC 6802 ( b ) ( c ) stipulates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to opt-out. Regrettably, Harley-Davidson XXXX XXXX, and XXXX XXXX XXXX failed to apprise me of this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) expressly prohibits consumer reporting agencies from including adverse information in a report without proper authorization. The accounts in question constitutes adverse information being reported without my explicit consent, which constitutes a violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) mandates that individuals may not furnish inaccurate information to a consumer reporting agency, while 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations. XXXX, XXXX XXXX and XXXX are evidently failing to adhere to these requirements. Lastly, 12 CFR 1016.7 affords consumers the right to opt-out at any time. Consequently, I am opting out of Harley-Davidson XXXX XXXX, and XXXX XXXX XXXXXXXX 's XXXX XXXX XXXX
Consumer complaint received 2023-02-17
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. (GA)

Improper spelling of my name and address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2024-02-26
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My ex XXXX  my car and my card was in the car. He knew there was money in the account. He got into the account and transferred money to a card that I haven't been able to find fit to weeks and I had a feeling he XXXX. He then XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX took my car and left. I logged in and saw that money had been transfered and take out and spent. Local law enforcement is involved.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I filed numerous disputes and complaints against experian requesting verification of the information that is on my credit file in absence of that i requested them to cease and desist furnishing my info on my credit report without my consent this is a violation of consumer law 15 usc 1681b permissible purposes
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: MCMC Auto LTD (TX)

I recently obtained a copy of my credit report and identified an inaccurate listing of a repossession. I firmly believe this information is incorrect and should be removed immediately based on 15 U.S. Code 1681o - Civil liability for negligent noncompliance.

Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.
Consumer complaint received 2024-02-26
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Freedom Mortgage Company (MD)

On XX/XX/XXXX I logged into my mortgage account to make the payment, I saw that it said I was due for a larger amount which showed that I was due for both XXXX and XXXX. I called Freedom Mortgage and was told that my payment was returned on XX/XX/XXXX for no sufficient funds ; I was told by them to contact my bank as this is the record received from my bank. As told, I contacted my bank ( XXXX  ) I spoke to the representative there who stated that I did not have any records of NSF on my account for the month. The bank also stayed on the line with Freedom Mortgage to explain this information to them as well. The company asked that I send in a copy of my bank statements which I did that showed that my balances were sufficient and there were no NSF checks on my account for the entire month. With all this information, Freedom Mortgage is unwilling to take any accountability as I have never paid 30 days late on my account. This was an error that was beyond my control. They also stated they sent a letter but I was not aware of this. If I had received the letter, I would have called sooner as again, I have never paid 30 days late. I need this information removed from my credit as it is inaccurate reporting and Freedom Mortgage investigation is for their benefit and does not take into account of the errors on their part.
Consumer complaint received 2024-02-25
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Associates, Ltd. (FL)

Collection Associates LTD has falsely reported an allegedly owed debt to the credit bureaus without verifying the debt or contacting me about the claimed debt. On XX/XX/24 I disputed the debt via all major credit bureaus- Collection Associates did not respond to the dispute to me directly even though debt verification was requested in the dispute. Collection Associates ignored the request, but did inform the credit bureaus that the data reported was correct. This is not the case and hasnt been proven to be true. 
I disputed the debt for a reason and this dispute went ignored. Proper debt verification processes were not followed per FDCPA and FCRA guidelines. Per regulations, all disputes and requests for verification must be responded to directly. Collection Associates LTD failed to properly validate the debt in question. Pre regulations, their failure to validate the debt makes the alleged debt unenforceable and uncollectible. They are falsely reporting an unverified debt to the credit bureaus which has wrongfully impacted my credit in a severely negative way. This action could be construed as fraud and harassment per FDCPA. I request that Collection Associates LTD promptly removes the collection account from my credit reports and close out the account within their system as it relates to my name and/or personal information. The allegedly owed debt must be marked as unenforceable and uncollectible.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

i recently checked my credit report and noticed i had some inquiries on my report that i didnt make or authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (OH)

I was illegally evicted from the property that was being serviced by the electric provider ( XXXX  ) in early 2023. This illegal eviction came as a result of a large-scale, unnannounced construction project that rendered my apartment unlivable while I was away on business. I was able to settle with the landlord outside of court and subsequently let out of the leasing contract. 

I moved out of the apartment in XXXX of 2023 and shortly thereafter, my leasing contract was terminated. Although I was no longer living in the unit, the property manager left the XXXX  electricity account in my name until they were able to find a new tenant. This resulted in all of the electricity being used in the apartment ( presumably, to power their construction equipment ) being charged to my name. 

I disputed the account directly with the debt collector when they reached out for further information through the mail. This resulted in " Online Information Services '' ignoring my claims and posting the collections account to my credit reports anyways. Given the swiftness of their decision to ignore my qualms, I think it's fair to assume that they have not done any sort of investigation into the nuances of my case. 



XXXX ; I was evicted, settled with the landlord, and now a bill collector representing XXXX  wants to charge me for electricty used in the apartment after I had already moved out.
Consumer complaint received 2024-04-14
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MI)

The failure of the 3 credit bureaus and XXXX XXXX XXXX as well as the credit furnisher to conduct a thorough and complete investigation, and of the furnisher and rental company to respond to my dispute inquiries, is not only frustrating but is a violation of the FCRA, which mandates that all disputable information be investigated and verified accurately. 

This unresolved matter has adversely affected my ability to secure housing and is damaging my credit standing undeservedly. Given the gravity of this issue and its impact on my life, I am compelled to escalate this matter to higher authorities, including the FTC and Consumer Affairs, and have already filed a complaint with the Fair Housing Authority Authority regarding the illegal reporting of a money judgement without a valid court order
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC (MO)

Company is selling and reporting inaccurate information ( which has now been updated in everyones ( credit bureaus system ). Company still has not provided original contract for loan and hasnt sent any notices of changes or process of repossession. Im not aware of anything concerning vehicle.
Consumer complaint received 2023-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CHECKredi of Kentucky, LLC (MO)

Using the XXXX XXXX app, when payment went to process it pulled from an empty account. As soon as this was noticed I went in to the gas station and paid for my gas. Now this company says I owe them the money instead, along with a fee. I have been told that until I pay them they will continue with the collections process. I dont owe this, its already paid. They have been made aware of such multiple times but continue to call. Even took the funds without permission from my bank at XXXX point which my bank returned to me because I never gave any form of consent for this company to withdrawal from my account.
Consumer complaint received 2019-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (UT)

For 5 consecutive months Navient has misapplied my student loan payments in a way that disadvantages me and enriches Navient. My highest interest loans receive the lowest distribution and vice versa with my lowest interest, despite my calling repeatedly asking this to be fixed and receiving a " promise '' that this will be corrected for the next payment.
Consumer complaint received 2024-04-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (NY)

I received a letter from Radius Global Solutions llc and I have no contract or debt with them nor have I received any services from XXXX XXXX XXXX account number XXXX this item was already disputed and removed prior they trying to collect a debt I dont owe or know of and also my information was compromised in the XXXX XXXX breach as well as XXXX. Also prove of XXXX being removed would be in my prior cfpb complaint if Im not mistaken to show it was removed and isnt my debt.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC. (MD)

I did NOT authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, EXETER FINANCE LLC XXXX XXXX XXXX XXXX, to run my credit report. I have filed a FTC identify theft report and want the inquiries removed from my credit.
Consumer complaint received 2023-08-06
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. (PA)

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 16 XXXX XXXX XXXX
Consumer complaint received 2015-10-01
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: NATIONSTAR MORTGAGE LLC (CA)

I declared bankruptcy and had to make planned payments to the chapter XXXX trustee. All of my payments were made to Nationstar Mortgage and never missed a payment for the last 5 years. All of my payments were made in a timely manner. The bankruptcy was supposed to have been discharged XXXX, 2015. It was not. Nationstar Mortgage stated I was 7 months in default. They stated which months were not paid. I submitted copies of my cancelled checks to my attorney. Some of these checks were dated years ago. I thought my bankruptcy was discharged and I continued making my payments. In XXXX, 2015, Nationstar Mortgage did not cash my mortgage payment check. I called Nationstar Mortgage and they stated I was 8 payments behind on my mortgage payments. They further stated that the payments that were in default were from XXXX, 2015 to XXXX, 2015. I have the cancelled checks from XXXX to XXXX. Nationstar Mortgage sent my XXXX mortgage payment back to my bankruptcy attorney. In closing, all of my payments have been made and proof can be provided. Nationstar Mortgage is now attempting to do a foreclosure on my house. Nationstar Mortgage sent me two checks back from my escrow eccount totaling almost {$6800.00} stating they were from my property taxes and homeowners insurance. Planned payments were made to the chapter XXXX trustee and they were all made and in a timely manner. Nationstar Mortgage took over my loan from XXXX when I declared bankruptcy. At that time, XXXX was doing fraudulent loan modifications. {$500.00} was returned to me after I submitted a complaint to the Independent Foreclosure Review.
Consumer complaint received 2024-04-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (MD)

My credit file was retrieved in XX/XX/XXXX and after further investigation, inaccurate information was discovered. The Fair Credit Reporting Act 15 U.S Code 1681 relating to Inaccurate details as follows : XXXX report open XX/XX/XXXX, account # XXXX, Last verified XX/XX/XXXX, date of last activity XX/XX/XXXX, closed date XX/XX/XXXX, High balance {$17000.00}, and lasts payment XX/XX/XXXX. XXXX  report open XX/XX/XXXX, account # XXXX, No closed date reported, high balance= {$0.00}, last activity dated XX/XX/XXXX, Last payment XX/XX/XXXX. XXXX reports no account number, last activities XX/XX/XXXX, dated report XX/XX/XXXX, last payment XX/XX/XXXX. XXXX, XXXX, and XXXX are our main credit bureaus but all report inaccurate information on my credit report about the Navy Federal Credit Union Credit Card. Per Fair Credit Reporting Act 15 U.S.C 1681 which justifies the removal. Transaction history along with derogatory marks are a violation of the Fair Credit Reporting Act. By law, the statute of limitation in Maryland for a credit card to continue on your credit report is only for three years, and the Navy Federal Credit Union Headquarters is located in XXXX Virginia where the statute of limitation is only for five years. This account has been reported on my credit report for 7 years, four years over the statute of limitation in Maryland where I reside, and Two years over the NFCU Headquarters location in Virginia which justifies removal by the statute of limitations laws. Navy Federal Credit Union reports this account to the three credit bureaus XXXX, XXXX, and XXXX as charged off which is treated as income and, therefore, eligible for removal from the records. IRS regulations Laws Topic no. 431, Canceled debt. If your debt is forgiven or discharged for the amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Income is considered money received, especially regularly for work or through investments. NFCU credit card is not work or investment and by IRS law justifies removal. 

Please review the attached evidence uploaded to the file.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (NJ)

Barclays Old Navy reported a 30 day rating under XX/XX/XXXX on my credit report under XXXX XXXX XXXX. 

This account is also still showing as closed under XXXX when it's still open. See attachments. Reached out about this numerous times, but this hasn't been corrected. This resulting in " OK '' ratings not being reported under XXXX & XX/XX/XXXX. 

This company had a system issue in regards to processing automatic payments, resulting in my credit card balance becoming past due. They previously notated that I set up automatic payments in XX/XX/XXXX, which is accurate. I set them up again after realizing my credit score dropped over XXXX points and the automatic payments set up prior were not going through. I definitely set up automatic payments prior to being hit with this delinquency, but Barclays did not register it. Unfortunately, this is the only delinquency reported on my credit report and it has been detrimental to my family 's future endeavors. We are closing on a home soon, and this late payment reported by Barclays is costing us tremendously. I never experienced something like this and it couldn't have happened at the worst time in our lives. I rarely utilize the card and I'm regretting ever using it. I'm asking Barclays to please consider removing this late payment from my XXXX XXXX XXXX credit reports. We are already facing high interest rates and high costs of homes. It's unbelievable that a 30 day late payment for a small balance, that I set up an automatic payment for, is affecting us like this. I hold XXXX accounts with this company and have always been up on my payments. Regardless of the automatic payment not working out, if they reached out to me about the payment not going through, I would have paid it immediately. Again, I'm asking Barclays to please " delete '' the 30 day rating reported under XX/XX/XXXX for XXXX and XXXX. And correct the account status from closed to open under XXXX. Thank you
Consumer complaint received 2024-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (NH)

I have been trying to log into my loan servicing account with AidVantage, which will not let me log in with my current UserID or Password, nor let me create a new account, nor let me reset my password or UserID because it won't send the email to the address on file. Not allowing me to access my account is absoslutely unacceptable, not being able to send me emails is unacceptable, and this is a massive data security issue.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I am writing to file this complaint because on XX/XX/2024, I mailed a notice of dispute to XXXX in regard of inaccurate account info being reported on my consumer report and credit report. I requested a reinvestigation regarding inaccurate account information and because the account is reflected as incomplete do to missing payments not being reported. The company wrote and sent me a letter back denying my request to dispute until I provided them an updated address. As of XXXX days ago I provided them an updated address and now I want to actually begin the dispute regarding the misinformation being reported on my consumer reports. I want this company to investigate the accuracy of the information they furnished in my reports, and I will also send notice to the consumer reporting agencies to reinvestigate the issues as well per 15 USC 1681i and Furnisher Rule 660.4 ( e ).