davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

Account Name : XXXX XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX, XXXX Im Accordance with the Fair Credit Reporting Act, The list of Accounts Below has violated my Federally Protected Consumer Rights Privacy and Confidentiality under 15 US Code 1681.

15 US Code 1681 Section 602 A. States I Charles E Roach Jr have the Right to Privacy.

15 US Code 1681 Section 604 A Section 2. Also states A Consumer reporting agency Can not Furnish an Account without my written instructions.

15 US Code 1681 C. ( A ) ( 5 ) section States No consumer reporting agency may make any consumer report containing any of the following items of the information any other adverse item of information, other than records of Convictions of the crime which indicates the report no more than seven years.

15 US Code 1681 S -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.

15 US Code 1681 ( i ) - A5B Requirements relating to reinsertion of previously deleted material Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph, the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate, And Also the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I XXXX XXXX XXXX XXXX. I owe No Debt
Consumer complaint received 2022-02-24
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Mandarich Law Group, LLP (FL)

On XX/XX/XXXX and XXXX 2022, i have sent Mandarich Law Group, LLC an email and mailed in a letter stating I am going through a extremely difficult financial hardship situation and much more. I paid at least {$1.00} today on XX/XX/2022 the reference number is XXXX. I also stated that I will provide at least {$25.00} dollars per month until my debt is cleared. 

At this moment of time this is really all I have to offer and will do for your law group until things start to change for the better.

I will also send Mandarich Law Group a copy of every statement that contains {$25.00} to their XXXX XXXX in XXXX Illinois. 

Kind regards.
Consumer complaint received 2024-03-16
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. (CA)

In accordance with the Fair Credit Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX {$820.00}, XXXX XXXX XXXX XXXX XXXX {$150.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$210.00} 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 a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing 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 seven 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.
Consumer complaint received 2023-02-11
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: ID Analytics, Inc. (NV)

Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present. Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a XXXX to the debtor. Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference. Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. Best regards, XXXX XXXX XXXX XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX details 0 % paid off Balance {$320.00} Balance updated XX/XX/XXXX Original balance {$320.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX 's internal collection department Status updated XX/XX/XXXX Contact info Name XXXX. XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Recently opened a new credit card, and they went through double verification to process the account. A week later, they have an error code that was not consistent with the account closure. Stating that there were returned payments. No payment was made. And the due date is not until XX/XX/XXXX. 
Furthermore, they then " said my documents were not valid '', when indeed they're. 
Moreover, my privacy was violated, and a major banking error occured -- which has violated my rights as a consumer and protected class. I feel very much victimized.
Consumer complaint received 2023-02-11
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: CORELOGIC INC (NV)

Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present. Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a XXXX  to the debtor. Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference. Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter. I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. Best regards, XXXX XXXX XXXX XXXX. XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX details 0 % paid off Balance {$320.00} Balance updated XX/XX/XXXX Original balance {$320.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX Contact info Name XXXX XXXX, XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2020-01-17
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harpeth Financial Services, LLC (TN)

I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX. I didn't receive the letter until around XX/XX/XXXX or even later. I just found out that this client/law firm filed a lawsuit against me in my county on XXXXXX/XX/XXXX. I just made a complaint on them yesterday not knowing they did this. 

This law firm did not give me the required 30 days to even RESPOND to their letter and filed the suit early. 

I have no notice of the suit being filed, no summons, no letters, etc. that the suit was even filed or going to be filed. The letter was a demand letter to send payment. 

I told them yesterday that I would be happy to make payments on this account at $ XX/XX/XXXX month or even more increments but I dispute the almost {$600.00} in attorney 's fees. 

I REFUSE to pay ANY attorney 's fees, especially ones that are {$600.00} to write a one paragraph letter. 

I will also complain for the second time regarding this to the TN XXXX XXXX regarding their lack of communication tactics. This lawsuit was filed LESS than the 30 days that is required for me to respond.
Consumer complaint received 2020-01-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (OK)

I have a dispute comment on my credit report : Delinquency past due account ( note on credit report ) I have contacted the agency to have remove this from credit because I have make s payments and the account is in good standing.
Consumer complaint received 2023-02-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

I got a {$30.00} debt collection notice from Credit Collection Services XXXX : XXXX XXXX XXXX, Account # XXXX My complaint is with the original credit " XXXX ''. 

They never sent me an original bill, and to the best of my knowledge, I've never even used them for a service. It's possible they were a third-party one of my medical providers used, but regardless, I never got one bill before this was sent to collections. 

I have perfect credit and have never failed to pay a bill, and this company is putting me in collections for a bill they never sent me, and to the best of my knowledge, I don't even owe.
Consumer complaint received 2023-02-11
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: EQUIFAX, INC. (TX)

In accordance to the Fair Reporting Act XXXX Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section A States that I have a 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.
Consumer complaint received 2023-02-11
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)

So, I sent XXXX letters out on XX/XX/2022. Here are my tracking numbers. 
XXXX # XXXX, Experian # XXXX, XXXX # XXXX. To remove personal information, I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also, according to 15 USC 6802 no financial institution is not suppose to share my information to third party people these are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (NY)

Barclays is asserting a XXXX XXXX XXXXXXXX ( the " Card '' ) was opened by me, and I am required to pay the outstanding charges. The Card was opened fraudulently ( i.e., not by me ) and the items purchased using the Card were not sent to my home. This point was verified with the business where the purchases were made via the internet ( i.e., Banana RepublicXXXX XXXX via their Research Department ) and was conveyed by me and Banana Republic to a Barclays representative via a conference call. The Card was opened XXXX and Barclays emailed me on XXXX re what it believed was fraudulent activity on the account. I called Barclays that same day to confirm the Card was fraudulent, and the purchases were fraudulent as well. I have been discussing this matter with Barclays for approximately eight ( 8 ) weeks. Barclays conducted their investigation and concluded that the account is mine and I am responsible for the charges. This is despite the facts as stated above. I would note that more than one Barclays representative asserted that the purchases made were indeed delivered to my home, whereas it has been confirmed with XXXX XXXX that the purchases were not delivered to my home but were instead sent to multiple unrelated addresses. I strongly believe that Barclays did not conduct adequate due diligence and I believe this is a bad-actor pattern by Barclays to strongarm/stonewall/impede consumers who have suffered this type of fraudulent activity from resolving these matters efficiently and accurately. I strongly and firmly believe Barclays lack of truthfulness, unwillingness to work with me, and throwing up roadblocks throughout this process is simply Barclays trying to wear-down consumers and recoup losses from consumers who have been victimized in order to mitigate Barclays losses .
Consumer complaint received 2020-01-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION (VA)

I have made multiple calls to Credit Acceptance at XXXX to obtain the release of a lien on my deceased mother 's car. She died in XXXX and I have provided them with her SSN, the letters Testamentary and my appointment as executor from the Court in XXXX. The car was paid off many years ago. My mother 's name was XXXX XXXX. XXXX, and the account number was provided by Credit Acceptance as XXXX. 
The company called me in XX/XX/XXXX while I was out of the country, and and said they were mailing the lien release. It did not arrive, even though they had my address. When I contacted them after the first of the year, they claimed to have mailed it to my deceased mother 's address ( the  family sold the property and we do not receive mail there. ) Then On or about XX/XX/XXXX, Credit Acceptance promised to mail the item to my address in XXXX, VA. When it did not arrive by XX/XX/XXXX I contacted them again. They admitted sending it to an incomplete address in XXXX. I called them the next day and provided a fax number. They company alleged they sent the fax on XX/XX/XXXX at the end of the business day. They did not provide a confirmation number, and the fax was not received. This is causing a real hardship, because without the lien release, I can not sell my deceased mother 's car. 
I think this company is engaged in deceptive practices and they have been provided sufficient information to comply with my request on multiple occasions. My auctioneer who sold my mother 's personal property also had 0 success dealing with Credit Acceptance. At the time of her death my mother was XXXX and suffered from XXXX. There is no way that any person with any kind of impairment ( or even without impairment ) can get this company to provide requested information even when all the necessary information is provided.
Consumer complaint received 2020-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit score went from XXXX ( good ) down to XXXX ( bad ) in one month. 
Absolutely nothing changed in that month to have caused this drop. 
I spoke with Transunion and they would not help or explain it to me.
Consumer complaint received 2020-01-17
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. (OK)

I have 6 paid collection accounts on my report with XXXX ( formally XXXX XXXX ),  two with XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX. I have sent each collector a letter asking for proof that it was paid. I have also disputed the accounts with XXXX, XXXX  and Experian to try and get the paid collections removed from my report. I am currently out of a place to live and I'm trying to get a house. I paid the collections in hopes that would get them removed from my report, but they are still reporting negatively and I am out of options, but to file with you. Below I have included letters I have sent to XXXX, Experian, XXXX, as well as the creditors of all of the collection accounts. I have also included pictures of how my accounts are reporting to the bureaus.
Consumer complaint received 2020-01-17
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. (OK)

I have 6 paid collection accounts on my report with XXXX  ( formally XXXX XXXX ),  two with XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX. I have sent each collector a letter asking for proof that it was paid. I have also disputed the accounts with XXXX, Equifax and XXXX  to try and get the paid collections removed from my report. I am currently out of a place to live and I'm trying to get a house. I paid the collections in hopes that would get them removed from my report, but they are still reporting negatively and I am out of options, but to file with you. Below I have included letters I have sent to XXXX, XXXX, Equifax, as well as the creditors of all of the collection accounts. I have also included pictures of how my accounts are reporting to the bureaus.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I received a credit card statement from Citizens Bank on XX/XX/2023 ; even though there was no balance transaction, I never authorized using their credit card.
Consumer complaint received 2023-01-17
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. (TX)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-10-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

Our automobile leasing company, Nissan Motor Acceptance Corp. ( NMAC ), began paperless statements. I did not know this. We don't use computer that often. I realized that we did not get a recent bill and contacted them. I was informed that we were 2 months in arrears nearing a third month overdue. I immediately paid 3 months to become current and requested they return me back to mail statements. I found out shorlty after it was reported to the credit bureau as delinquent and our credit score was reduced almost 100 points. NMAC should have contacted us by phone or mail to alert us we were late with a payment so we could have paid our bill, for sure, less than another passing month. Also notify us that if we didn't respond it would be reported to credit bureau. There is no customer service here at all.
Consumer complaint received 2024-03-16
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. (PA)

reporting unauthorized information to any consumer report is fraudulent and a violation of both state and federal laws. I am here on the cfpb to make this issue be known. I did not provide the companies referenced in the attached letter with consent to share my credit card ( ID, SSN, etc ) or any other nonpublic financial information with another entity and I did NOT give the consumer reporting agencies [ XXXX, XXXX, Transunion ] expressed written consent to report the information. This concludes to IDENTITY THEFT. I am demanding that this information be blocked. The accounts are also noted below : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX
Consumer complaint received 2023-01-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (TX)

I had purchased my XXXX XXXX XXXX through XXXX XXXX and bought it in XX/XX/XXXX. About XXXX I was having engine issues and it was costing more than the car note plus I had let the car note get to far behind to where I had to turn in the vehicle and let them have it instead of the repo man getting it. The depreciation value sunk with the higher percentage rate Wells Fargo bank had given me. It was too much by then.