davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-01
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: Experian Information Solutions Inc. (GA)

I'm reaching out because I got a copy of my credit report and saw so many inquiries that are not mine. I dont know who is trying to run my credit. Can someone please have these inquiries removed from credit report. 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 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 and XXXX XXXX.
Consumer complaint received 2019-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (WI)

Ive contacted XXXX Receivables performance management LLC in regards to a XXXX XXXX bill in the amount of {$1500.00} account # XXXX that is not mine. This account has stopped me from receiving a loan from my bank and is hurting my credit score. They have refused to provide proof of any documentation that shows I opened this account. It has been well over the 30 days to do so. I felt pressured by the collector to pay debt that I do not owe. Ive asked them to remove it and stop reporting it and they have refused to do so.
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I recently pulled my credit report and to my amazement saw that XXXX XXXX have decided to report me 30 days late and past due on this account in XX/XX/XXXX and XX/XX/XXXX. I have previous credit reports from both agencies pulled in XXXX of XXXX, and neither one of these reports show me late or past due in XX/XX/XXXX and XX/XX/XXXX. Not only was I never late on this account, but according to the FCRA, as amended by the FACTA act, you are required to notify me of the insertion of negative listings. I never received such a notice. 

I talked to a supervisor ( XXXX XXXX direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. He promised to send me a payment history of my account. I never received such documentation. The results of my dispute and my have just come in, and both say verified. How is this possible? You werent able to provide me with anything. Reporting inaccurate information is also a violation of the FCRA. 

In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for reporting inaccurately.
Consumer complaint received 2018-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (NY)

The company responded to my claim. The credit card company 's response does not satisfy my request. I did not authorize a credit card transfer, and should not be responsible for any fees associated with the transfer, including the compounded interest. I would like the Consumer Financial Protection Bureau to retrieve the recorded conversations. The recorded information confirms I did not authorize a transfer.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Send me a debt validation letter with a signature that was not mine and drivers license that was not me. They can not prove this account belongs to me and if must be removed immediately.
Consumer complaint received 2022-09-02
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: EQUIFAX, INC. (IL)

As provided by the Fair Credit Reporting Act, I noticed there are several inaccurate items on my report. Please provide evidence the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information. According to 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 instructions. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights. Delete these inquiries : 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
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I recently pulled my credit report and to my amazement saw that XXXX XXXX XXXX   have decided to report me past due on this account in XX/XX/2015. I have previous credit reports from both agencies pulled in XXXX of 2015, and neither one of these reports show me late in XX/XX/2015. Not only was I never late on this account, but according to the FCRA, as amended by the FACTA act, you are required to notify me of the insertion of negative listings. I never received such a notice. 

I talked to a supervisor ( XXXX XXXX direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. He promised to send me a payment history of my account. I never received such documentation. The results of my dispute and my have just come in, and both say verified. How is this possible? You werent able to provide me with anything. Reporting inaccurate information is also a violation of the FCRA. 

In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for reporting inaccurately. 

Please correct this listing to paid as agreed never late, and remove the past due for XX/XX/2015.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I authorize any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 


Summary of Accounts being challenged in list form XXXX - Account XXXX This is not mine. 

XXXX XXXX  XXXX - Account NumberXXXX**** XXXX  - Account Number:XXXX have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt exists XXXX - Account Number:XXXX I don't recall having late payments on this account XXXX - Account Number:XXXX  have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists XXXX XXXX - Account NumberXXXX  have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 I my presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I recently pulled my credit report and to my amazement saw that XXXX XXXX have decided to report me 60 days late on this account in XX/XX/XXXX. I have previous credit reports from both agencies pulled in XXXX of XXXX, and neither one of these reports show me late in XX/XX/XXXX. Not only was I never late on this account, but according to the FCRA, as amended by the FACTA act, you are required to notify me of the insertion of negative listings. I never received such a notice. 

I talked to a supervisor ( XXXX XXXX direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. He promised to send me a payment history of my account. I never received such documentation. The results of my dispute and my have just come in, and both say verified. How is this possible? You werent able to provide me with anything. Reporting inaccurate information is also a violation of the FCRA. 

In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for reporting inaccurately.
Consumer complaint received 2024-03-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Driveway Finance Corporation (MI)

XX/XX/XXXX To Whom It May Concern : I noticed in the contract that was presented to me that there are violations that are not consistent with Consumer Law. According to 15 US 1662 ( b ) mixing cash with consumer credit transactions is illegal. Other findings include : False and Deceptive Forms 15 US code 1692, Write to Rescind Paperwork was never Furnished to me which violates 15 US code 1635 ( f ), Truth In Lending was never presented to me 15 US code 1601. In addition to illegal credit reporting, Driveway Financial Corporation reported 2 late payment violation of 15 US code 1681 ( a ) statuses to my consumer credit report without my consent which is a clear and concise violation of my privacy, according to 15 US 6802 ( b ) and 15 US 6804 Permissible Purpose ( XXXX XXXX XXXX XXXX  ).

I was not competent to the contract that was given to me. 15 US 1640. Another Violation which is OPT OUT 15 US 6803- Disclosure of Institution Privacy Policy and 16 CFR 433.2 Preservation of Consumers claims and defense, unfair or Deceptive Acts or Practices.

In conclusion, I made an uninformed decision on XXXX XXXX XXXX, I entered this agreement. The only evidence of a debt was null and void because I didnt understand the meaning and the agreement was not conspicuous. This fraudulent transaction needs to be removed from my credit file with all major reporting agencies including any and all third-parties. Refund me all payments made to Driveway Financial as a result to the fraudulent and deceitful nature of this contract. It is imperative that it also be noted without prejudice that punitive damages be recovered by the consumer/secured party. Compensation should be exactly what the dealership accessed me in the faulty contract with the amount of {$56000.00} with fairness and lacking integrity. 


Thank you, XXXX XXXX XXXX
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

In XX/XX/XXXX I began my undergraduate studies with the XXXX XXXX XXXX XXXX, CA and completed this program in XX/XX/XXXX. I began my XXXX studies in XX/XX/XXXX with XXXX XXXX XXXX and completed my XXXX studies in XX/XX/XXXX. I was also enrolled at the XXXX XXXX XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX, for the for their graduate level XXXX XXXX Certificate Program, these credits were later applied to a graduate degree in project management with the XXXX XXXX XXXX inXX/XX/XXXX, I completed this program in XX/XX/XXXX. During this time frame I used part of my XX/XX/XXXX  for these programs along with student loans. I had a series of health issues that were not resolved while on active duty that were later compounded that required me to request a deferment/forbearance of my student loans due to my inability to work. Some were granted to my knowledge whereas others were not, which I continued to resolve. Upon careful review and further evaluation by the VA my XXXX rating was increased to 100 %, which qualified me for the XXXX XXXX XXXX XXXX ( XXXX ) program for my student loans. On XX/XX/XXXX DOE   directed XXXX XXXX and XXXX XXXX XXXX to suspend collection activities on my student loans until they could determine my eligibility for discharge. Effective XX/XX/XXXX, the DOE had approved my discharge of the federal student loans on the basis of my XXXX XXXX XXXX   XXXX. In closing from the very beginning my student loans were never properly reported, some start dates began before I was even enrolled in school, which I attempted to address with XXXX XXXX. To my knowledge this was never corrected. Additionally, I have 24 trade-lines ( student loans ) that are listed as late or in default in excess of 120+/180+ days. In addition to these issues several of these same accounts have exceed their legal reporting periods of seven years, with multiple that are over 10 years. In previous communications via letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, XXXX-U.S. Department of Education is in violation of Section 623 ( a ) ( 2 ) of the FCRA.
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

i am XXXX XXXX i go last week XXXX XXXX date XX/XX/2019 he run my credit before he till me i dont run credit hard inquiries i see my credit report this is hard inquires i call him he told me i dont care youare credit pl help me i have 20 hard inquiries
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (VA)

In accordance with the fair credit reporting act XXXX XXXX, XXXX XXXX, and XXXX XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish my rights account without my written instructions. Under 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 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed some information, account which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please block/remove this files. Fraudulent account : US DEPT ED XXXX Date Opened : XX/XX/2017 Balance : {$25000.00}. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2019-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

XXXX XXXX  was bought out by Peoples. I had bill pay through XXXX, I was trying to log into my XXXX XXXX  account to see my online payments, but it was disabled & directs you to open an online banking with peoples, which I did. Unfortunately, Peoples only showed 1 payment on my active bill pay. I had a bill that I thought was paid on bill pay through XXXX but was not showing up on the Peoples. I made the payment through Peoples & now I see on my Peoples account that they withdrew 2 {$1000.00} payments from my account ( vs. only 1 payment owed ) upon calling the customer service rep says shes sorry but not all the bill pays have transferred over & I can not see what I have paid already!! How am I supposed to know if I paid a bill or not. Now, I AM OUT {$2100.00} from my bank account & the rep says I have to call the company and ask for a refund! THIS SHOULD NOT HAVE HAPPENED! This IS THE REASON I REMOVED MY MONEY FROM PEOPLEs previously & now I am forced to have them again. They obviously were not ready for the transition. What if I did not have the funds! This take over should have been more carefully monitored and this bank penalized for this incident. Thank you
Consumer complaint received 2024-03-26
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Harley Davidson Financial Services Inc (SC)

The representative from Harley Davidson Financial called to attempt to collect a debt. I communicated my concerns to the representative about their being no transparency, and no clarification as to what the past due amount was for and what it was paying and communicated that they had locked me out of my online account, making me unable to see that information prior to paying and during the process of this phone, call the representative, communicated a threat of XXXX against me and my family. I am pursuing criminal charges against that representative however, Harley Davidson Financial is deliberately concealing that information from the criminal investigation.
Consumer complaint received 2022-09-02
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed some information, account which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please block/remove this files. Fraudulent account : US DEPT ED XXXX Date Opened : XX/XX/2017 Balance : {$25000.00}. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-03-06
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: Debt Recovery Solutions, LLC (OH)

I received an alert from a credit monitoring service that an account labeled " XXXX XXXX XXXXXXXX '' with a balance of {$660.00} was opened on XX/XX/22 and reported on XX/XX/22. I have no knowledge of this account and it is fraudulent.
Consumer complaint received 2021-08-22
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. (CA)

Please take this seriously. Annually, please visit http : XXXX to review and our credit file with all three credit bureaus. With all the recent few cyber security breach with XXXX and XXXX XXXX XXXX and all the government subsidized loans, I.e. SBA 's EIDL ( Economic Injury Disaster Loan ), thefts are applying credit with lenders and government under your name.