davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-30
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. (PA)

To whom it may Concern, I informed the credit reporting agencies that the account XXXX balance {$320.00} account name XXXX XXXXXXXX XXXX is an account that should not be reflecting on my reports because the account has been paid off. I asked that these accounts be verified and unfortunately they have not due to the affect that they still are reflecting on my reports as a collection account. I am asking that these accounts be removed immediately. I have proof that this account was paid XXXX. Also there is another account that needs to be removed from my credit report due to identity theft. The account name is XXXX XXXX XXXX. The account number for this account is XXXX, and the balance on this account is {$2100.00}. I never had this account and this account was not opened with my permission. Please remove as soon as possible. 
Also the only names that should be reflecting on my personal information on all three credit reports is XXXX XXXX XXXX. The only address that I should be affiliated with is XXXX XXXX XXXX XXXX XXXX. The only telephone number that I should be attached to on my credit profiles is XXXX only and the only Employers that should be listed is XXXX XXXX. Please update with all credit reporting agencies. 
Thank You with kind regards, XXXX XXXX XXXX
Consumer complaint received 2022-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom it may Concern, I informed the credit reporting agencies that the account XXXX balance {$320.00} account name XXXX XXXXXXXX XXXX is an account that should not be reflecting on my reports because the account has been paid off. I asked that these accounts be verified and unfortunately they have not due to the affect that they still are reflecting on my reports as a collection account. I am asking that these accounts be removed immediately. I have proof that this account was paid XXXX. Also there is another account that needs to be removed from my credit report due to identity theft. The account name is XXXX XXXX XXXX. The account number for this account is XXXX, and the balance on this account is {$2100.00}. I never had this account and this account was not opened with my permission. Please remove as soon as possible. 
Also the only names that should be reflecting on my personal information on all three credit reports is XXXX XXXX XXXX. The only address that I should be affiliated with is XXXX XXXX XXXX XXXX XXXX. The only telephone number that I should be attached to on my credit profiles is XXXX only and the only Employers that should be listed is XXXX XXXX. Please update with all credit reporting agencies. 
Thank You with kind regards, XXXX XXXX XXXX
Consumer complaint received 2023-05-18
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 (IA)

You are in direct violation of the Fair Credit Reporting Act, which has violated 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2022-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (DC)

In XXXX two of my federal student loans, then held by XXXX, were discharged in the TPSLF program. I was approved for a student loan payment rebate check shortly thereafter. XXXX sent the order to the Department of Education who then sent the request to the Department of Treasury. The actual check had an issue date of XX/XX/XXXX in the amount of {$9600.00}. 
Thanks to the USPS Informed Delivery digest I knew to expect the check in my mailbox on XX/XX/XXXX, however, it never arrived. I informed XXXX as soon as the check didn't appear in my mail on the date and again on XX/XX/XXXX I requested a stop on the check and for it to be reissued. 
At some point, the would-be thief attempted to cash it. Fortunately, XXXX XXXX caught and stopped the deposit and contacted me about it on XX/XX/XXXX. The investigator informed me that the check was stopped but advised me to cancel it. I called XXXX ombudsman line again to confirm that the request was entered. XXXX immediately reported it to the Department of Education ( again ) but as of last week the DoE has not acted on it. I contacted the Department of Treasury to check on the status with their agency and neither the order to cancel the original check nor the order to reissue the check has been sent by DoE. I have tried numerous options to contact the Department of Education by no one seems to be able to help with this situation or to know of a way to escalate my request to someone who can.
Consumer complaint received 2023-03-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

My lease terminated on XXXX 
On XXXX I received payoff letter ( attached ) for the amount of {$22000.00} good till XXXX 
On XX/XX/2023 I made an online payment to Lexus XXXX for the full amount indicated on the payoff. 
On XXXX Confirmation was received from Lexus XXXX of payment received. 
As of today I have yet to receive title to the vehicle. 
Call to Lexus have not been successful in obtaining resolution. 
Lexus has instructed me to proceed to a dealer to purchase the vehicle and that they will return the payoff payment. It's been almost 2 months and I have yet to receive the refund. 
I have been forced to extend the lease because Lexus was reporting that my payment was overdo. I am now {$22000.00} out of pocket as well as having to make monthly payments in order to protect my credit.
Consumer complaint received 2023-03-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

My car payment on XX/XX/XXXX and XX/XX/XXXX, were sent by my bank to Nissan XXXX XXXX rather than Nissan Motor Acceptance Corp. When I was contacted by Nissan Motor Acceptance Corp of the problem, I made a double payment over the phone. Now neither Nissan XXXX XXXX or Nissan Motor Acceptance Corp can tell me where my two vehicle payments are. Neither is willing to work with me or do an investigation to return my money. The two check numbers from the credit union is check # XXXX, XX/XX/XXXX and check # XXXX, XX/XX/XXXX. I have contacted both entities several times, ask customer service to transfer me and remain on the line so I could speak to both at the same time. Each time they would eventually disconnect. your assistance would be greatly appreciated.
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Checking account today and i noticed someone used my information to get loans and call about some stuff without my consent i have to provide for my family & my credit is something i depend on to get by. 

If my report doesnt look accurate or up to date Iasked that the accounts be removed immediately.
Consumer complaint received 2023-09-01
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: SANTANDER HOLDINGS USA, INC. (MD)

To my knowledge consumer protection laws are designed to safeguard consumers from unfair practices and undue financial burden. It has come to my attention that my auto loan agreement may be subject to violations of these laws. These things consist of " Lack of Full Disclosure '' and " Financial Hardship. On XX/XX/2023 I sent them a letter expressing these concerns and requesting that the debt be XXXX and that all my obligations to the debt be dismissed. That have not sent me anything in return or let me know that they had received my letter. They called me and the co-owner XXXX times a day a piece for the past XXXX days which I know is considered illegal according to certain laws.
Consumer complaint received 2023-05-18
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd. (GA)

Harris & Harris LTD did NOT stop contacting until after I submitted complaint, XXXX, to the CFPB. I reviewed multiple calls and kept the call logs after telling them i didn't owe the debt. Calls did not cease and i kept getting voicemails from the " same '' person but it really wasn't that person. They closed my original complaint without addressing the real issue after continued abusive and fraudulent tactics.
Consumer complaint received 2023-02-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CO)

XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-03-07
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: Bread Financial Holdings, Inc. (TN)

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2024-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (CA)

I am writing to file a formal complaint against Contract Callers regarding their unethical and unlawful actions in reporting a debt to my credit report without notifying me. This debt was previously deemed not mine through XXXX XXXX after a previous complaint with the CFPB, and it was successfully removed from my credit report once investigated. 

Last month I discovered an adverse entry on my credit report from Contract Callers Collection Agency for a purported debt that I was never made aware of. This action has had a significantly negative affect on my financial well being I would like to bring to your attention that this debt had been previously disputed with another company, as evidenced by CFPB 's findings. The resolution of the previous dispute resulted in the removal of the debt from my credit report. However, it has come to my attention that Contract Callers has irresponsibly and unfairly reported this debt to the credit bureaus without providing me any prior notification or validation of this debt. They have disregarded my consumer rights by failing to notify me and not adhering to FRCA and my consumer rights. This is not my debt. I have not had any XXXX account in my name in recent years.
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (TX)

According to 12 CFR Part 1026 ( Regulation Z ), the finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. 
The finance charge assessed by the company at the time of signing documents includes any charge payable and imposed. Due to this fact, I any and all late marks found on any of my consumer credit reports by the company should be corrected.
Consumer complaint received 2023-03-07
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. (FL)

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. 

Accounts are as follows : XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Dept of ed/XXXX XXXX # XXXX, # XXXX ), XXXX XXXX # XXXX, XXXX XXXX # XXXX. 


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 1681 c. ( a ) ( 5 ) Section States : no consumer reporting 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that he information is inaccurate.
Consumer complaint received 2023-03-07
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. (GA)

Hello CFPB team, I requested a copy of my credit report and asked the credit bureaus to do verification on everything in my report. The credit bureaus did the verification and said that everything was accurate. 

However, I did thorough research myself and I still see the inaccuracies on my credit report even after they did that research and verification. There are so many things that are wrong including the date opened on each account. Each date is different on each bureau! This is just one issue. You will see that there are several other inaccuracies. Please remove these accounts from my report. 

Please can you explain why these bureaus are being allowed to report these inaccuracies and the CFPB just keeps closing my complaints without looking at the incorrect items on my credit report? 

I looked up the Fair Credit Reporting Act and according to the FCRA I feel that the following companies have all violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have rights and here are the FCRA regulations : 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 : States a consumer reporting agency can not furnish an account without my written instructions.

I am asking you to please review these four accounts and you will see that what I am saying is true. Please help me with this and enforce the law and investigate my complaint. The bureaus keep repeating the same response ; that they have checked and its correct. If they had checked they would see the discrepancies. It is just plain wrong information that they have been reporting.

I need your help! Please enforce the law!
Consumer complaint received 2023-02-08
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. (MA)

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 15 USC 1681. 

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. 168192 ( A ) ( l ) 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 According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 
And They also didn't even record the current status of the disputed information which is another violation. 
And They also didn't even record the current status of the disputed information which is another violation.
Consumer complaint received 2023-03-07
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. Stated I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also stated a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 166b A Creditor May not treat a payment on a credit account under an open-end consumer credit plan as late for any reason
Consumer complaint received 2023-03-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A. (FL)

HELLO, MY NAME IS XXXX XXXXSMALL BUSINSS LOAN, HAS CALL ME.TODAY, SAID THAT I HAVE A ... LOAN.I KNOW ANYTHING ABOUT THIS.CAN YOU PLEASE HELP ME...
Consumer complaint received 2022-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (OH)

Re : Notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent to : Wakefield & Associates To Whom It May Concern, Please be advised that I have requested validation { not verification } of an item ( or of the accounts ) reported to you by the above { Wakefield & Associate }. I have received a response that clearly violates my rights according to HIPAA. { Wakefield & associate } did NOT provide me with a HIPAA Release Form, to authorize the use or disclosure of my protected health information ( PHI ). Therefore, by providing you such information they are in serious violation of the HIPAA Privacy Rule. Furthermore, your agency has aided and abetted your customer by your negligence and disregard of your reporting responsibilities as a credit reporting agency, pursuant to FCRA 604 ( g ) ( 1 ) ( C ) and FCRA 605 ( a ) ( 6 ) ). I am proceeding with legal action as prescribed by law against the above named { XXXX XXXX XXXX } and will name you in the lawsuit if you do not immediately delete the listed item ( s ) due to the privacy violations. You are also required by the FCRA to receive written certification of the information furnished to you prior to you assembling and reporting such information. If you can not provide proof that you received the original or a certified copy of a HIPAA Release Form signed by me, clearly delineating my consent to release my ( PHI ) then you must cease from reporting this unlawful entry. I will seek every legal remedy available to me and file suit against the credit bureau for the continued aiding and abetting of your customers actions for commercial gain by the continued reporting of my protected information, preceding your receipt of this notice. You are clearly benefiting monetarily by reporting this account on behalf of your customer. I urge you to take this matter seriously, as I have documented my case without error. I encourage a response from you expeditiously in the form of an updated credit report showing that you have ceased and desisted your illegal reporting of the listed accounts, pursuant to the Fair Credit Reporting Act. Wake field and Associate on my XXXX/XXXX/XXXX for {$890.00}. I have no knowledge of this debt and it needs to be removed.
Consumer complaint received 2020-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (MI)

I sent them a letter asking to send me verification that this is my debt i have a common name i have mail coming to my home from a person same name as me. There debt was merging to my file. I have sent 2 letter to this company asking them to send documents stating who there are they keep sending me the same computer generated documents they are fake and fraudulent. I need this removed off my Credit report this is hurting me from getting credit in this pandemic to feed my family. This company is taking advantage of people during these hard times. There saying i owe. XXXX dollars for a cell phone bill float from almost 7 years ago. I never had a phone through that company I have been on my mother phone plan XXXX. Since 2001. The documents they sent me are payments being taking out of a account thats not mines. the docs are fraud who charges a credit card everyday for a payment thats not real.