davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAB Receivables, Inc. (GA)

CAB Collection Agency claims to have medical accounts in their files in my name. They also claim that they have sent me a total of XXXX statements to my current address and that the correspondence was received by me due to the fact that it was not returned to them labeled undeliverable. If CAB Collection Agency has previously sent me correspondence, I request that they re-send it to the same address that they sent the XXXX statements to. 
Furthermore, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me, but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold-validation of debt and HIPAA authorization. 
I request that CAB Collection Agency, Inc : * Please provide breakdown of fees including any collection costs and medical charges. 
* Provide a copy of my signature with the provider of service to release my medical information to you. 
* Cease any credit bureau reporting until the debt has been validated by me. 
I request that CAB Collection Agency forwards this information to the address that they previously sent correspondence to that was addressed to me as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because they will be deceiving me after this written request. I request full documentation of what CAB Collection Agency received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await their reply with above requested proof.
Consumer complaint received 2017-03-29
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Caneel Capital, LLC (CA)

We had a 2nd mortgage discharge thru chapter XXXX bankruptcy in XX/XX/XXXX. 
we were not aware that after our property gain equity they could come back traying to collect the debt. in XX/XX/XXXX we received a letter that look suspicious with a company name that we didnt recognized as the lien holder we open the mail and they send us a past due notice for the full amount of {$280000.00}. 
After checking with the BK lawyer to see what we had to do we contacted Trinity Finacial services, llc. for the firt time trying to see how we can work this issue. they say they obtained the loan and wiil work with us refinancing the loan thru them they send us an application and we returned it to them XX/XX/XXXX. after that it was obvious that they were not trying to work with us it was either accept our terms or we will proceed to accelerate forclosure. we ask them if we could work a payoff amount and they said for XXXX they will settle. thru all this proces we keep asking them for copy of the note or documentation in how they obtained our loan and they never provide anything to us. they continue with the forclosure processed and we couldnt hire a lawyer due to lack of funds we pretty much continue making payments to our first mortgage and the foreclosure sale date from Trinity financial services was sent to as to be executed on XX/XX/XXXX. we do n't know how Trinity financial services, LLc. put their name on the trust deed of sale. we received a copy from the county of XXXX as a courtesy. Right after that we received an unlawful detainer from Trinity Financial Services, LLc. Lawyer, we went to court and the judge ask for as to request 30 days from Trinity Financial so we could leave the property and we did we obey the law and get out of the property by XX/XX/XXXX. 
we continue checking with the first mortgage to find out if Trinity Financial send them the payoff and they never received any information from them. second week of XX/XX/XXXX I received information from an ex neighboard letting us know Trinity Financial Services, LLC. accepted an offer on the property and I decided to contact our XXXX to find out if they requested a payoff and they informed me that no the only request was the one I submitted, i told them I did n't request any payoff to please email the information to me and they did to our surprise Trinity Financial Services, LLC. was requesting the payoff with the authorization to release information that we give them 2 years ago for the only purpose of refinancing our loan. Is this shady or what after all we being going thru we tought for our peace of mind we have to submit this complaint to this office the sense of failure by loosing our house is bad enough and if all possible we would like to know if this is legal. And maybe if other people read the complaints that will help them.
Consumer complaint received 2024-02-17
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)

All three credit agencies refuse to ad my personal statement to my credit report they must by law place my statement exactly as I right it and not change a word or block out any words I want them to add this statement EXACTLY AS IT IS AND AS IT SAYS The following two accounts XXXX XXXX and XXXX XXXX are both invalidation of Sec. 623. ( a ) ( 1 ) ( A ) reporting a balance and in collections on a debt they both canceled with a 1099c and all taxes were paid. The balance of both debts should read {$0.00} Status of debt should read Canceled 1099c and not in collections Court case In re Lukaszka, 2017 WL 273516 ) proves they must zero the balance and report canceled debt and not in collections
Consumer complaint received 2024-09-14
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: EQUIFAX, INC. (FL)

Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Consumer complaint received 2024-04-02
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: Bread Financial Holdings, Inc. (NC)

On XX/XX/2024, I applied for credit through XXXX ( a part of Comenity/Bread Financial ) to finance XXXX  XXXX. I was approved that day. I then received an Alert Notification email from my credit monitoring service from Alliance Data Services ( which I understand is part of Comenity/Bread Financial ) to verifiy my identification for credit cards from stores I do not patronize nor visit any malls where they may be locared. I can not forward the email I received. This notification has nothing to do with my approval for credit through XXXX. I have contacted Comenity/Bread Financial to file a complaint and I was asked - what do you want us to do? No complaint was filed. In fact when I contacted them last week about this issue, I was told I had to contact XXXX to get information on this. It is impossible to speak to anyone at XXXX! My credit information should NOT be shared within the same company when it has nothing to do with the original credit application. I have had to initiate a freeze on future applicaitons through all 3 credit reporting companies which will inhibit me from applying for new credit in the future until the freeze is cancelled by me. This company must change their credit reporting policies immediately so future applicants will NOT be affected by this " illegal '' practice
Consumer complaint received 2024-03-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (FL)

On XX/XX/XXXX I Puchase a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI was given false and deceptive information, as I was informed that a down payment of {$1500.00} was needed for me to drive off the Lot.Notice that Pursuant to 15 U.S.Code & 1635 : Within 20 ( twenty ) days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction.Pursuant to 15 USC & 1605 ( a ) : the amount of a finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges.Furthemore, the down payment reimbursement of {$1500.00} shall be made by check or money order payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Florida XXXX that XXXX XXXX XXXX U, XXXX, XXXX & XXXX ( XXXX ) : upon receipt of rescission, I am not liable for any finance charge or other charge, and any security interest becomes void effective immediately.Take further notice that XXXX ( XXXX ) days after your receipt of this notice, you must return any money or property given as XXXX money, down payment, or otherwise.Also, you take any action necessary or appropriate to reflect the termination of any security interest created under the transaction and placed on the property ( Car ).
Consumer complaint received 2024-03-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (DE)

OneMain expected its employees to upsell borrowers on every loan. Employees were incentivized to push more products, and company training materials directed them to upsell them even when consumers had already declined the products on previous loans. Salespeople were evaluated on the basis of their sales rate and could even be fired if they did not upsell enough. 

The CFPB found that OneMain : Tricked borrowers into signing up for optional products : OneMain customers were led to believe that they could not receive a loan without signing up for an add-on product. Some employees added the products to paperwork without verbally informing the consumer that the products were included or optional, a practice referred to internally as pre-packing. If the consumer identified the products and asked for their removal, employees were expected to make it seem difficult to remove the products. In other cases, employees obscured written disclosures from consumers view, or verbally contradicted them.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be 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. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

Where is my missing FHA mortgage payment history for XXXX XXXX XXXX and XXXX. I paid thousands of dollars of on-time FHA mortgage payments for those years, and my money ( XXXX XXXX XXXX XXXX XXXX ) IS NOT recorded. The history of thousands of dollars is missing. Where is my money? I paid my FHA mortgage on time for years with no missed payments. I expect for all of my thousands of dollars of payments to be recorded on time accurately. This is my Equifax credit report which takes my monthly payments and calculates it into my credit score. Stop illegally cheating me out of my excellent mortgage payment history on my credit reports and credit scores. This is the last time that I will ask. I can only take this higher. 
This is my right under the federal legislation, The FAIR CREDIT REPORTING ACT, 15 U.S.C. s. 1681 et seq.. This is also my right as an on-time mortgage, paying homeowner.
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION (NC)

In XX/XX/2023, we requested the account be closed. This card belonged to an associate that separated from the company. The card was shredded and no one had access to this card or the account information. There was fraud on the account in XXXX ( XXXX purchases totaling {$1300.00} for charges in these amounts {$120.00} {$64.00} {$170.00} {$74.00} {$360.00} {$520.00} ) as the account was never closed. When the fraud was reported in XXXX, the Truist associate stated that they were reversing the charges while under investigation, and not to pay any of the balance due as the entire statement balance was under fraud investigation. They stated that the next billing cycle I would receive the statement with a {$0.00} balance. I followed their instructions and made no payment on the fraudulent activity. Now we have been charged late fees and are getting collection notices on balances we did not charge. Following the fraud, I made 3 more attempts to close the account and it was only recently closed. Truist has been TERRIBLE to work with and their associates do not convey consistent information. At one point, they charged each of our cards late fees ( that were later reversed ) due to a " system error '' and they duplicated ACH payments on multiple occasions. Their online portal experiences issues all of the time. I think they charge fee and hope that people will not dispute them, or get tired of disputing them and just pay them. Truist is unethical in their fee billing and the worst bank I have ever dealt with. We are in the process of closing all of our accounts with them, but the hits just keep coming.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (GA)

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contacting any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, please see the letter attached from the bankruptcy court stating they do not report to any consumer reporting agenciesproviding bankruptcy information. I have not given you a written consent to document or save my bankruptcy information in your database system. Please provide me a letter stating where you obtained the bankruptcy information.If it is from the bankruptcy court, IT IS AGAINST THE LAW! 

Please remove the bankruptcy information immediately from your database.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (NC)

I had an account with Self Lender and during the pandemic during this turbulent I fell behind on my payments do to lost of my employment. I have always made on time payments and called Self lender to see if they could work with me during this hard time in our economy. When speaking with the representative I was told that there wasn't anything that they could do even though we were facing a terrible time as a whole in the economy. As a consumer I would think that the company would be more compassionate during these hard times all I was asking is to have the two payments reversed to show positive payment history since I did make the payments and always held good payment history and never late since this was during the pandemic and at that time company 's was under a order to assist their customers that was under a financial strain and this option was not provided by Self Lender. These marks on my consumer report is effecting me from getting a home which is apart of my mode of living and credit worthiness. Please do an investigation on these payments and promptly have them reverse to show in good standing on my consumer report.
Consumer complaint received 2024-10-02
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. (TX)

It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.
Consumer complaint received 2024-10-02
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. (CA)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again. This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of XXXX  in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-09-14
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: EQUIFAX, INC. (FL)

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed a complaint against XXXX XXXX and XXXX because of an unknown account. They replied back on XX/XX/year> stating that all collection attempts h will be ceased and that they will remove this from my credit file. I have attached the XXXX XXXX 's response with authorization code.
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (TX)

Hello, I have been working hard to correct some inaccuracies on my credit report, and after contacting the credit bureaus in the past and recently in the last few months Experian continues to ignore me. I have received No response after 30 days and balance is not even on the creditor 's system because it was discharged, XXXX was sent, and I paid taxes. Experian is misreporting it because they want to charge the credit or money for premiums every month. What another explanation is there because they ignore me completely. This is very scary! If this is happening to me. Who else is being affected? I have kids and am trying to just get into a home this year before rates go up, and I 'm getting this treatment. I paid my dues on the items in the letters attached. For XXXX of the accounts I received XXXX 's and did the right thing to pay taxes on the entire balance, and the creditor stated my obligation is done with them. Yes, Experian zeroed the account and the re-reported the balance and dropped the score. Please help!! I know I 'm just one person, but I do n't want just to give up. Thank you, XXXX