davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mankin Law Group (FL)

RE : XXXX XXXX XXXX XXXX, FL XXXX To whom may concern I am writing to you in regards to the actions taken by Mankin Law Group against me.

Mankin Law Group intent to collect an alleged paid debt of {$570.00} and added some other illegal fees.

I believe that these companies have violated federal law and filed an illegal lien against my property. 

On XX/XX/XXXX, I sent a cease and desist letter and an affidavit of truth to Mankin Law Group, pointing out all the federal laws they violated against me, including the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I asked them to send the account and return it to the original holder XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX which is my XXXX XXXX XXXX. Despite this, on XX/XX/XXXX, I received a letter from them attempting to collect the debt again. Not only did they violate the cease and desist letter, but they also filed an illegal lien on my property. 

I was owing a balance to my home owner association of {$210.00} for the assessment due on XX/XX/XXXX, and a quarterly assessment of {$280.00} due on XX/XX/XXXX, plus a late fee of {$50.00}, totaling {$570.00}. On XX/XX/XXXX, West Haven HOA received the check on my behalf of {$570.00}. Not only did they cash it, but they continued to tell me that the account is with a lawyer- debt collector and they can't give me any details. 
This is a big mistake on their part, as they had no right to cash the check if they did not have the account.. This is a clear violation of federal law and a clear indication of their lack of good faith in dealing with this matter. 
I also sent a letter to XXXX XXXX XXXX asking for the contract of the XXXX XXXX, but they ignored my request. I have all the letters and certified mail signed by these companies when they received all the documents and requests I had. 
Therefore, I am issuing this letter to demand that Mankin Law Group, and XXXX XXXX XXXX XXXX take immediate action to rectify their actions against me. I demand that the lien on my property be removed immediately, and the account be returned to the original holder. I would like these companies to show good faith in this matter by expediting the securing of the alleged information listed in mankin law group site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity thef since the fair debt collection practices act is intended to secure my right to privacy and my privacy has been breached. 

Please contact me as soon as possible to discuss this matter further. 

I also contacted the Office of Attorney General XXXX XXXX XXXX of Florida. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc. (TN)

I was instructed to pay my debts when utilizing a FHA home loan. I mailed a check to SELF Financial to pay the balance on the credit card as well as the credit builder loan balance. SELF mailed those back. Then I was instructed by the loan agent to pay via ACH from the account the checks were drawn from. SELF denied those payments then closed both of my accounts with no communication, no ability to dispute, nothing. 
That has been more than 30 days ago ( XXXX XXXX  ), I have contacted self multiple times and they have told me it is under review and that they can not discuss the timelines. They have negatively impacted my credit with no ability to dispute and are holding my money hostage with zero communication regarding when I will receive my refund.
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (SD)

Synchrony bank closed all my cards without notice. I have paid on time, never been late, and have not done any transactions that would have been suspicious. My credit report score has gone up over the last month. Yet, they won't tell me why they closed my accounts. There is no valid reason.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/2023, I submitted a complaint against Barclays Bank for withdrawing funds from my account to pay for my wifes debt, which Barclays said I was not responsible for. They promptly responded by phone and followed up with a letter on XX/XX/2023, in which they said, After a thorough investigation, we can proceed with the refund of all payments posted to the account after your wifes passing upon proof of payment for all twenty-one payments along with a copy of Power of Attorney documents. My wife passed away suddenly, and she did not have a power of attorney.

I have now spoken with, and explained that there is no POA, but I have my late wifes will, and death certificate to three different people. Each time Barclays responds, I get a different representative, and each time they said they would have to submit the information to their superiors to see what they are going to do. They have already admitted that they owe me the money ( {$10000.00} ) and agreed that they owe me the money. But now it appears that they are simply running me around, perhaps hoping I will just go away.
Consumer complaint received 2024-10-31
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)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-03-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SYNCHRONY FINANCIAL (CA)

Your company is impairing the efficiency of the banking system, do you want to be accountable for that? You have an obligation to meet my needs. You have an obligation to conduct yourself in a manner that isn't fair and equitable to me. You have an obligation and a duty to ensure that this information is accurate and relevant. The continued reporting of such information means improper utilization of my information. 


XXXX data breach I am promised accuracy in my report based on federal law I am making this call as another attempt to have these errors corrected on my consumer report. Under 15usc 1681 all valuable accurate information should be removed as you can see in your system you can't see this information in your system I will ask all negative remarks, hard inquiries, and collections be removed.
Consumer complaint received 2022-09-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Two unauthorized hard inquiries from Bank of America ( BOA ) shown in my credit report of XXXX on XX/XX/2022 and XX/XX/2022. I placed the fraud alert immediately on XX/XX/XXXX and filed an identity theft report through FTC. Then, BOA sent me a written letter around XX/XX/XXXX, informing me that they are working on my credit card application, which I have never applied for. I contacted BOA immediately about this but they have no idea what is going on. 
For the unauthorized hard inquiries in XXXX, it had been resolved through XXXX. However, Bank of America never gave me an update even though they promised me that they would investigate this issue. For the XXXX XXXX, I have filed a dispute through XXXX but have not been able to contact BOA because it takes at least 20-30 minutes to put through the call with a real representative.
Consumer complaint received 2022-09-12
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 with the fair credit reporting act XXXX account : XXXX XXXX XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX account : XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX account : XXXX XXXX XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX  account : XXXXXXXX XXXX XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX account : 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 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-20
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. (MI)

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 15USC1681. XXXX XXXX  # XXXX. XXXX  XXXX # XXXX. XXXX  XXXX # XXXX. XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX. XXXX XXXX # XXXX XXXX  XXXX # XXXX Department Of EdXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXdept of education # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX Bank flagged my account past due on XX/XX/2023 as 30 days late violation of 15 USCode section 602 15 US 1681 b furnishing a consumer report without the consent of the consumer section 604 I am demanding a deletion of this late payment from my credit report 15 USC 1681a ( e ) makes it clear that if a consumer reporting agency investigates something it is known as investigative consumber report.
Consumer complaint received 2022-07-12
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-06-05
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AZ)

On XX/XX/XXXX I was made aware that PHH Mortgage was not paying our property taxes in full. I sent them the notice, along with all relevant information to pay the taxes. I received a response that I would receive an update in 10 business days. I did not. I reached out in the beginning of XXXX of XXXX to check on the status. They assured me it was being handled. On XX/XX/XXXX ( a year later ), I received notice from my county of residence stating that the taxes still had not been paid and we were at risk of the property being seized if payment was not made by XX/XX/XXXX. I sent it to them, again, and as of today, XX/XX/XXXX there still has been no payment made.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights
Consumer complaint received 2023-04-26
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX You are in Direct Violation ol The Fair Credit Reporting Act SOURCE RECEIVABLES M, has violated several of my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : 11 also states a consumer reporting agency can not furnish an account without my writter instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit eard account und open-and consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was intentionally deceived into opening a credit card account without my authorization or consent. I was asked if I wanted to join the rewards program and upon realizing sensitive personal information was being asked, I double checked to verify " rewards '' vs credit card which was never used throughout this process, and the associate said credit card. The process was not finished I denied authorization as I was falsely lead, she turned the screen and had finished the process for me as there were a few green buttons left that I personally did not click as I wanted the process to be stopped, but she went ahead and pushed the process forward and claimed it was already too late and nothing could be done. This store is intentionally misguiding consumers, and are taking advantage of a deceptive system. Insane the lack of customer service or respect to their " valued customers. '' Tried asking for the store XXXX on the phone, I was told I would get a call back, never did. Great resolution.
Consumer complaint received 2022-11-22
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. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct 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
Consumer complaint received 2022-11-22
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. (GA)

This is my ANOITHER endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GAXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXXXXXX Balance : {$810.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$550.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$100.00} ; 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
Consumer complaint received 2023-06-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (TX)

My car was totaled do through hail storm damage. I was paying GAP protection on the car. The car was paid off by the insurance and after confirming payment it was still reported as delinquent. The problem was address by agency when buying my home. I never revived payment on the GAP after car was paid off.
Consumer complaint received 2024-10-31
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: Experian Information Solutions Inc. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-03-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

EXTREMELY URGENT MATTERS!!! 
LOAN # XXXX On XX/XX/2023 I have submitted all the documents requested by Wells Fargo Bank although I have submitted the same form recently. 
I work very late long hours as a XXXX XXXX. I bravely drive throughout the dangerous storms. It is exhausting but I have to just to earn income. I must care for my XXXX daughter and XXXX  daughter. Time is always never enough. I need help. 
Feels like giant Wells Fargo Bank is discriminating and retaliating against me being a minority XXXX female who filed a Federal Complaint. 
All I am simply asking from Wells Fargo Bank is to modify the monthly mortgage to be reasonably affordable to around {$2100.00}. Looking forward to your kind assistance. 
Thank you for supporting women and women 's civil rights.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX