davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (VA)

I am in the process of trying to purchase a home. I was unaware of a fraudulent debt on my account, until I was declined by the bank for a home loan. I have never received any notification of a debt, notification of right to dispute within 30 days, or any verification of these alleged debts from Credit Managment LP which is a violation of FDCPA. Credit Managment LP has destroyed my credit, without notifying me of the same, for accounts that I do not owe. I do not owe Credit Managment LP, nor any party that Credit Managment LP claims to represent. This is the last thing a consumer should have to be facing, especially in unprecedented times, such as these. I demand that Credit Managment LP remove this fraudulent debt from my credit report or I will sue, and seek the maximum compensation available under the law.
Consumer complaint received 2023-10-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (VA)

I am in the process of trying to purchase a home. I was unaware of a fraudulent debt on my account, until I was declined by the bank for a home loan. I have never received any notification of a debt, notification of right to dispute within 30 days, or any verification of these alleged debts from Capio, which is a violation of FDCPA. Capio has destroyed my credit, without notifying me of the same, for accounts that I do not owe. I do not owe Capio, nor any party that Capio, claims to represent. This is the last thing a consumer should have to be facing, especially in unprecedented times, such as these. I demand that Capio remove this fraudulent debt from my credit report or I will sue, and seek the maximum compensation available under the law.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (FL)

I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : Self Financial/Lead Bank Account ( XXXX ) # XXXX and XXXX ( Late date Both Accounts XX/XX/XXXX ) XXXX XXXX XXXX Account XXXX XXXX ( Late Date ( XXXX ) : XXXX XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX This Company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, The Law States ( b ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

These Consumer Reporting Agencies can not furnish any of these accounts because I Did Not give my written instructions.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not
include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; It is also an unfair act to report late payments inside their payment grace period most of the payments for XXXX XXXX XXXX was reported before grace period in the year of XXXX. 
XXXX XXXX & XXXX late charges It is illegal to report late payments without the person consent.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (NC)

The company XXXX has obtained my consumer report on XX/XX/2022 without my knowledge or consent. I have not given written or verbal consent to XXXX to access my consumer report. This is a violation of my rights under the fair credit reporting act ( FCRA ), specifically 15 USC 1681.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

Recently was made aware of a scam being perpetrated by LexisNexis Risk Solutions on consumers for the purpose of greed. On XX/XX/XXXX and XXXX, XXXX, emails were sent to XXXX XXXX CEO of LexisNexis Risk Solutions whereby no reply was ever received regarding the selling of my private personal information to insurance companies for the purpose of being able to increase auto insurance premiums on unsuspecting consumers.. I had contacted LexisNexis Risk Solutions due to these articles : XXXX XXXX XXXX? XXXX XXXX XXXX XXXXXXXX The reason for my email was due to a XXXX % increase in my annual auto insurance premium. For the record, I am a XXXX citizen with a XXXX, driving less than XXXX miles annually with no auto claims and no ticket citations in over 30 years and living on a fixed income. My annual auto premium went from {$1400.00} to {$2300.00} with no reasonable explanation. 

On XX/XX/XXXX, I completed a request for a copy of my sensitive report thru the LexisNexis Consumer Portal uploading a copy of my expired passport and a copy of a utility bill as requested for identification. I received an email dated XX/XX/XXXX, stating I would be contacted within XXXX to XXXX hours. I was never contacted and then called the LexisNexis Risk Solutions corporate office at XXXX in XXXX, Georgia and spoke to a person named XXXX at XXXX pm on XX/XX/XXXX who refused to assist me unless I gave her numerous pieces of personal sensitive information over the phone. I stated a copy of the email from LexisNexis with the case number could be emailed to her to verify but she nastily refused. I allege LexisNexis Risk Solutions is purposely ignoring my request for a copy of my Consumer Disclosure Report that I have been attempting to receive for over six ( XXXX ) weeks. 

This deplorable action on the part of LexisNexis Risk Solution has cost me to have health issues involving stress and bodily pain issues as to how my private information is now easily accessible to scam artists and thieves. For the record, I was compromised by XXXX XXXX in XXXX when I had never even contacted them in any way whatsoever yet they had my information. Kindly note, this practice of selling consumers information without their knowledge or permission is a violation of the The Fair Credit Reporting Act, The Florida Deceptive and Unfair Trade Practices Act and the Florida Common-Law Invasion of Privacy Act. LexisNexis Risk Solutions is breaking both Federal and State Laws, For the record, no phone calls are to be received from LexisNexis Risk Solutions, only emails will be accepted. I have placed a phone number that does not exist above for this reason.
Consumer complaint received 2024-03-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/2024. I sent the attached security to satisfy the debt in question. I received a response indicating that they would not accept this form of payment.

As a Bona Fide Purchaser, it is my right to exchange value for goods and services. I accepted the demand for payment and sent back my value to exchange for the good provided. The servicer for the loan is refusing to accept the payment. Under UCC 3-603 B, if tender of payment of an obligation to pay is refused, there is discharge, to the extent of the amount of the tender.

Also there was a breach of my right to privacy, when XXXX contacted my sister, without my written permission. 
A XXXX from this organization, illegally contacted my sister, without my permission. 

Representative : XXXX XXXX # XXXX Option # XXXX Extension XXXX I seek remedy.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I am a victim of identity theft. I did all I can do I sent letters, made phone calls I even got a police report to prove my case.I called credit acceptance multiple times and asked them to show proof or anything that can prove that had a car or loan through them.Not once did they show any proof of any kind nor any information other then making false reports on my credit report. 


dates XX/XX/2023 for {$8800.00}
Consumer complaint received 2023-10-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (AK)

I contacted a representative on XX/XX/XXXX to change my due date, requesting the first payment to be due on XX/XX/2023. The representative agreed to this change. However, on XX/XX/XXXX, I received notification of a derogatory mark on my credit report. I reported this incident multiple times to Ally and requested them to review the recorded conversation. They promised to get back to me but never did. I also disputed the derogatory mark with my credit bureau, but Ally refused to remove it. As a result, my credit scores plummeted from XXXX to XXXX. My husband and I have a long history of responsible financial behavior with no late payments for over 8 years, and this situation is severely impacting our finances, leaving me extremely frustrated.
Consumer complaint received 2023-10-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (KS)

I bank with Wells Fargo. On XX/XX/XXXX I called support and made two disputes on the exact same company charging me, caesars XXXX XXXX. I told them im XXXX XXXX XXXX, and there is XXXX way i could even gamble. A support member told me to call XXXX  as well, where they had XXXX account with my name or social. One of my disputes, the ones made with ACH were accepted by wells fargo and they gave me the money back. The other dispute MADE ON THE EXACT SAME COMPANY. got denied by wells fargo. These two disputes i called and made on the EXACT SAME DAY on the EXACT SAME COMPANY. How did only one of them get accepted and the other was denied? Heres proof the the dispute, and proof that i got refunded on only one of my disputes.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

This Complaint is against Wells Fargo Bank for allowing Fraudulent Transactions in my account, after I had everything put in place due to identity theft, to prevent this- specifically accounts disabled and deactivated. ( 86 ) unpaid Fraudulent Transactions remain, and due to the # of Fraudulent Transactions, they will be listed on several complaints. Too extensive to be listed on ( 1 ) Complaint. Total Amount due ; {$8800.00} -- ( 86 ) Fraudulent Transactions. 
As Follows. In Order. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DC)

In my initial compliant I stated that there was an improper use of report, here are the additional laws governing why I have asked for deletion. 

15 USC 1681 ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 USC 6802 Notice of requirements Notice requirements ( A ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX 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 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I would like for TransUnion and XXXX to remove the following accounts from my credit report since I've been the victim of fraud and id theft : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and all of the hard inquiries on my credit report as well as regional finance
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

XXXX XXXX I was in the process of searching for a vehicle and came across XXXX in XXXX, NC ( XXXX XXXX XXXX ). During the process I emailed their team specifically requesting to ONLY have the pre-qualification and loan process be pulled for XXXX financing prior to applying for a loan. Their representatives responded confirming that this was possible and that my loan would ONLY be pulled for XXXX financing. I look at my report and they alternatively submitted my information to multiple companies resulting in multiple inquires on my report and negatively impacting my credit score. They proceeded to be extremely unprofessional and unapologetic about their unethical practices and I received several junk letters from various institutions that I never applied to. They also consistently gave me incorrect pricing information from their advertisements, tried to hide and manipulate the sales and incentives and would refuse to apply certain incentives that I qualified for. Their team was psychologically and emotionally abusive. See attached screenshots. 

I demand that they remove all XXXX and XXXX partner inquires from all 3 credit reports and any subsidiaries and that they delete my name and contact information from their systems immediately.
Consumer complaint received 2023-09-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with fraud alerts or security freezes — 
Company: Affirm Holdings, Inc (SC)

I received an email from Affair on XX/XX/XXXX regarding my billing address being updated and adding a XXXX XXXX XXXX XXXX As I did not recognize the action, I decided to call and confirm what was happening. I was hit with the news that I had requested a loan to pay a vendor by the name of XXXX XXXX. I was beyond surprised and immediately advised them to stop everything as this was not me. They explained that they would investigate and stop all processing. According to them I would hear back within 3-5 days. I called back XX/XX/XXXX to confirm that the loan was not processed and that the investigation was still running its course. However, I was hit with another shock, the loan was processed and funds were sent to the vendor. I asked why this happened if I had called and requested a cancellation/stop as this was 100 % fraud. The person on the phone explained that although the investigation was opened it was also closed on the same day without an outcome. The account was also supposed to be locked but that also did not take place. Their excuse was that this person did not know what they were doing. After I expressed my frustration and requested to speak to someone else, I was told by this person that they didnt have a supervisor as they were the supervisor and they stopped speaking but remained on the line. No matter how much I spoke they remained silent. I disconnect and called back, I spoke to a supervisor to try and understand why this loan was still processed and what were the next steps. He said he couldnt verify me because I couldnt verify the email on address ( which was changed by whoever attempted to get this loan ) but after placing me on hold, he came back and said that he was able to confirm that an investigation was opened on XX/XX/ and that it could take up to 30 days to complete. I asked what would be the impacts to my credit if this fraudster decided not to pay and he didnt really answer. After I began expressing my frustration to the fact that they allowed this loan to process despite being told that it was fraud, this person disconnected my call.
Consumer complaint received 2023-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizens bank offers a {$400.00} total promotion- {$300.00} for a deposit of $ XXXX and {$100.00} for XXXX debit card transactions within the first XXXX months. I made XXXX XXXX deposits in that time and called Citizens bank to ask if either deposit qualifies. Both reps confirmed and assured me the promotion requirements were met. 

Following up with Citizens today, a rep stated neither deposit qualified. Additionally, reviewing the terms and conditions, I realize theres no language to distinguish what types of deposits are disqualified, e.g. Direct Deposit from another bank or Real Time Credit. 

The rep did confirm I qualified for the {$100.00} credit for debit card transactions but did not provide a reason on why the credit was not applied or follow up on how to get the credit applied.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

I purchased a car prior to the Covid-19 pandemic, but during the pandemic, I faced financial difficulties and was unable to keep up with the payments. As a result, the financial institution attempted to repossess the car. However, the car had suffered significant mechanical issues and was vandalized while parked in XXXX XXXX XXXX, making repossession impossible. I proposed to the financial institution, JPMB, that they offer me a settlement amount so I could pay off the balance or allow me to make monthly payments. Unfortunately, they refused and insisted on payment of the full {$15000.00} owed on the vehicle, which I am unable to afford, and still unble to afford a XXXX time payment of XXXX plus. 

Eventually, they charged off the debt and reported it on my credit file as of XX/XX/XXXX. However, the charge-off actually occurred in XXXX when a XXXX was issued. According to consumer law, a charge-off is not considered a debt but rather income. 

I have made numerous attempts to negotiate with XXXXPMB, sending certified letters and making multiple phone calls, but they have disregarded my requests for a resolution. Theuy continue to report negative incorrect information on all the credit Bureau on me and refused to communicate or make it easy for me to enable me pay on the car because they want the full payment at once.
Consumer complaint received 2024-04-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (FL)

I was contacted by an employee of Spring Oaks Capital via telephone in regards to a debt I am unaware of. I sent the company a XXXX page request for a validation of debt as well as an email to the customer service department given to me requesting information and validation of debt. 

This debt validation request was sent XX/XX/year> via email and sent certified mail by way of the United States XXXX XXXX on XX/XX/year>. I received a return receipt which is attached in this complaint. A company representative signed for this document attached on XX/XX/year>. 

At no time whatsoever did Spring Oaks Capital reply to my request instead my request was ignored and a collection account was reported on my consumer file. I have not received anything by way of telephone, email or physical mail. 

Spring Oaks Capital violated my rights. I have never had any knowledge or and account with the institution noted on my consumer file. 

Even after receiving the email on XX/XX/year> and physically on XX/XX/year> Spring Oaks Capital clearly must be in belief that they are above Federal Law.