davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mandarich Law Group, LLP (FL)

Today XX/XX/2021 I got a letter in the mail from an attorney/mediator offering their services because I had a lawsuit filed against me that I was not aware of. As of today I have not been served any papers or notified by the debt collector XXXX XXXX XXXX or its attorney Mandarich Law Group. When I looked up my case number provided to me by this third party I found that they filed a case against me dated XX/XX/2021 with a court date of XX/XX/2021 ( 20 days from today ) and still have not been notified by the debt collector. I initially hadn't been making payment because I simply couldn't afford it. My job wasn't paying enough for me to pay my expenses and manage my debt. Then the pandemic started and I got laid off so I really didn't know how I could pay my bills. I finally got a job that allowed me to start paying off my debts and started making payments to this account through online bill pay with my bank on XX/XX/2021. My first payment was {$100.00} and then I continued to pay {$25.00} a week until XX/XX/2021 because I caught XXXX and couldn't work so I had to once again play catch up with my finances and I reduced the frequency of my payment to {$25.00} a month so I can also pay off other debts and my bills. In total, I have made {$350.00} in payment over the last 4 months and have another {$25.00} payment scheduled for XX/XX/2021. I called to see why a lawsuit was filed against XX/XX/2021 when I had already started making payment since XX/XX/2021. Also, I wanted to know why the company never notified me of the lawsuit being filed against me. I never received a letter nor have I been served. When I spoke to the agent she told me that she could see that I had made payments to the account and said that they filed the case because I didn't make a payment arrangement with them. She said that in order to make a payment plan she needed to ask about my financial situation and I told her I did not want to disclose that information and told her that I can and plan to continue to make payments of {$25.00} a month. She also mentioned that she saw the I was on file to be served. I still don't understand why they filed a lawsuit against me on XX/XX/2021 when I was already making payments as of XX/XX/2021 and I was never notified that they had filed the lawsuit until now which was by a third party in an effort to represent me.
Consumer complaint received 2015-07-13
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On or about XXXX XXXX, a representative called me about a charge of XXXX on my account. Captiial One suspected fraud ; this was true. Capital One told me that they would remove the amount from my credit card.Capital One did remove the charge. I wrote them XXXX letters, and they said they would remove the charge. Despite the fact that they said they would remove the charge they are still billing for {$26.00}. I wrote them another letter. They replied to me that they did not understand the nature of the dispute. I can not get through to these people. I have cancelled the card, and I need them to stop billing me.
Consumer complaint received 2023-05-06
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. (TN)

This is my XXXX 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2018 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$11000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00}
Consumer complaint received 2018-10-01
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. (GA)

I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name, Thank you in advances for you quick responses.
Consumer complaint received 2018-03-15
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Zenith Financial Network Inc (TX)

XX/XX/XXXX, I contacted XXXX XXXX XXXX initially to discuss the amount owed and payment options and they advised they couldn't assist me because it had been turned over to collections. On today, XX/XX/XXXX, my husband received a phone call from Zenith Financial Network. He was not listed on my loan application nor was he authorized to speak on my behalf. They notified him that I owe on a payday loan, they gave the exact date from XX/XX/XXXX, how delinquent it is and the amount owed of {$1600.00}. They also tried to obtain payment from my husband during their call and attempted to initiate a settlement with him. The name of the collections company is Zenith Financial Network and their contact number is XXXX. It is my understanding that this is in violated of section 804 of the Fair Debt Collections Practice Act. It is my understanding that they are allowed to call and provide a 3rd party with their contact number or ask  how to reach me, but not to provide personal information in regards to my collections account. 

I also called Zenith Financial Network and advised my husband should have never been contacted. They replied, 'When he answered, he was able to identify your identity '. This is unacceptable practices, no one is authorized to speak on my behalf or to discuss the details of my account other than myself. 

The account is for myself, XXXX XXXX, but my husband XXXX XXXX was contacted and should NOT have been.
Consumer complaint received 2022-07-19
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. (TN)

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. 

XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX, XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX  XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX DEPT OF ED # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX DEPT OF ED # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX  TN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have rights to privacy.

15 U.S.C 1681 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 items 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 2016-09-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Halsted Financial Services, LLC. (IL)

I talked to lady that was inconsidrate and had no empathy what so over. I asked she transfer me to someone hire than her which was XXXX I did inform him that I have a prepaid card and that 's how I pay my bills. He start talking loud over me asking me did I spend my whole check and I wont have money for XXXX weeks how would I get to work and gas things of that sort. He was getting to into my personal expensive and also told me I see how the other young lady and I went left. He was really rude to be a supervisor. I feel long as I had a card on file and the day that I informed him the money could be withdrawal from my card should have been fine. XXXX XXXX people
Consumer complaint received 2022-06-09
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. (MS)

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. 

XXXX Account # XXXX XXXX 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 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 2023-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (DE)

I contacted PNC mortgage to inquire about removing my private mortgage insurance from my account. I was told I needed to wait XXXX0 business days for a letter to mailed to me further instructions. They refused to give me the information over the phone. After 12 business days without a letter, I contacted them a second time and I was told the letter addressed to the wrong account and never mailed. This is the same address that the mortgage is paid on. I have received multiple mailings from them. There is no reason why they could deliver the letter. 
I was told I would have to go into a local PNC branch and get a copy of the letter. The branch is refusing to print a copy of the letter without an appointment. The soonest appointment is 5 days away in the middle the afternoon which does not work for me. They have offered send me another letter that will take anther 10 business days to arrive. They have done nothing to rectify their error. PNC is now holding up the process of removing my private mortgage insurance for an additional 30 days. It is my belief that this is an attempt to collect another month 's worth of insurance
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

Lexis Nexis has furnished innacurate information to XXXX to report on my credit report and there is false information as well as incorrect information. I have submitted disputes several times to no avail with the letter from the Court stating that they do not furnish this information.
Consumer complaint received 2022-07-19
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. (TX)

In accordance with the Fair Credit Reporting Act, account XXXX XXXX XXXX acct # XXXX 15 U.S.C. 1681 Section 602 A states 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 a account without written instructions.
Consumer complaint received 2023-05-06
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. (TX)

I reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NY)

Unable to cancel my account from Experian. Signed up a year ago for their credit-monitoring service and am billed {$27.00} every month. The only way to cancel this service is by calling their phone help line. Every time I try to do this ( have tied over 20 times ), the wait time is " 2 hours, '' but then no one ever picks up. To test, I once left it on all day at work. No one ever picked up. 

This company is a complete scam, fraud and should be fined and forced to allow customers to easily cancel online. 

I've tried to block them through my bank, but each month, they bill under a slightly different name, so it's impossible to block them from charging you.
Consumer complaint received 2023-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

This is my 5th dispute over the same issue. Debt was recently sold to Credence Resource Management. They are attempting to collect a XXXX debt for a phone bill that XXXX XXXX XXXX paid through a switch in service providers. I am now an XXXX XXXX XXXX Customer previously a XXXX customer. This debt is not owed by me due to the agreement by XXXX XXXX XXXX to pay off the full amount of what was owed. I am asking for the removal of this collection from all 3 credit bureaus immediately as you have done the previous 5 times. This is not my debt.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Commonwealth Financial Systems, Inc. (OH)

Notice for Proof of Claim Account : COMMONWEALTH FINANCIAL SYSTEMS INC # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have XXXX  days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you XXXX  extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2021-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I was made aware of some inaccurate and erroneous items on my credit report in XX/XX/2020. Over 60 days ago I disputed these inaccurate items and to this day no response. I feel like Im being ignored of my issues, and there is nothing I can do. I detailed in the previous letters why they were inaccurate. I was also affected by the XXXX data breach and now Im thinking my information had got into the wrong hands. The items are harming my credit report and demand they be removed immediately.
Consumer complaint received 2021-09-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd (NC)

I have not received any communication from this collection agency to verify this debt belongs to me. The collection agency reported this on my XXXX  credit report without me being notified of any debt. I have sent several written correspondence to this collection agency for prove of debt and they have failed to send any correspondence back proving this debt belongs to me.
Consumer complaint received 2024-02-22
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. (AL)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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.