davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P. (CA)

XXXX XXXX XXXX XXXX, notified me on XX/XX/2022 about an alleged debt. According to Title 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of their fraudulent practices with the intention to cause harm, I have suffered mentally as well as financially. 

XXXX XXXX XXXX XXXX and its agents harassed me for an alleged that that was not even validated. Shared statements as well as a copy of a consumer contracts as evidence of the day, but as per the judgment in the case of XXXX XXXX XXXX XXXX XXXX a copy of the consumer contract is not sufficient evidence of debt. Due to their continuous act of deceit, coercion, and intimidation I have suffered XXXX stress and XXXX. 

According to 15 USC 1692a ( 2 ) the term Communication means that conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the consumer report { bearing information regarding the alleged debt } by the company will amount to communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing your formal notice to cease any further communications regarding this account immediately.

This includes but not limited to telephone calls, emails, social media, or any consumer reporting agency. 

Any further contact by your agent or company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If they do not cease communication a lawsuit will be commenced against them. 

XXXX XXXX XXXX XXXX and LVNV Funding LLC HAVE FALSELY REPORTED INFORMATION THAT RESULTED IN DEFAMATION OF MY CHARACTER. Further, they have created a deceptive form that made creditors and employers believe that I was in debt, though they could not prove its validity. If the debts were valid, they created a false impression that I was not able to pay the alleged debts. 

As a result, I was discriminated against and denied my right to extend credit. I also suffered emotional as well as financial hardship. Therefore, both XXXX XXXX XXXX XXXX and LVNV Funding LLC are liable according to Title 15 USC 1681o.
Consumer complaint received 2022-10-25
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (PA)

hello. i was trying to refinance with one main financial. i submitted all of the initial documents and she called me back while i was still at work. she she she needed a bank statement showing all of my recent transaction and wanted proof of the deposits because they didn't believe the ones i sent them. i was a little uncomfortable with this and asked XXXX if i was able to send it the next day because i was still at work and just felt a little uncomfortable and wanted to think about it. she also said it was her managers discretion and i asked if i called a different branch of one main that i could possible get the loan and she said yes to that. when i got home to upload the documents they closed it because I'm guessing she wasn't getting the commission for it or what. this really bothers me because they pulled my credit and i didn't get a fair chance to get approved for the loan
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXXXXXX BALANCED {$290000.00}
Consumer complaint received 2022-10-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Innovate Managed Holdings, LLC (FL)

on XX/XX/22 I received a notification indicating a hard inquiry from XXXX ferderal rcredit union. The next day Innovative loan Services did another inquiry. I have not authorized neither of those to do run my credit
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS
Consumer complaint received 2022-10-26
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: Experian Information Solutions Inc. (AZ)

I have attempted multiple times with the credit bureaus to remove fraudulent information. I havent gotten any forward movement. I am attatching all the needed docs to look into my case. Im hoping you can help.
Consumer complaint received 2016-11-29
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I leased a car from Capital One 2 years ago, I had a co-signer who filed bankruptcy. I did not file bankruptcy and I am first on the loan. The loan was placed into bankruptcy for a while and I reported to the credit bureau as closed and paid in full. I was not notified of this and my credit score declined. I file a dispute with the credit bureaus and now it reads that the loan is charged off- bankrupt on my credit. I never filed bankruptcy. I am disputing that rating. I never stopped paying Capital One, I have paid them every month on time and continue to pay today. I want my credit to reflect that.
Consumer complaint received 2022-10-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (KS)

I received a collection notice on my credit report from IQ Data. I mailed a certified validation letter on XX/XX/2022, the letter was delivered to a XXXX XXXX XXXX XX/XX/2022 I then received signature confirmation of the letter being picked up on XX/XX/2022. As of today XX/XX/2022 they have yet to respond in a form or provide any type of verification that this debt is mine or my husbands.
Consumer complaint received 2022-10-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (GA)

Unfortunately i just realized that i was paying WELLS FARGO and i have no contract with them. They have sent me the contract of me and dealership multiple times and they have admitted in this letter i am going to attach, that they do not hold the original copy of contract with wet signature of mine and there's. So i am demanding a FULL REFUND OF ALL FUNDS YOU HAVE RECEIVED IN CONNECTION WITH MY SOCIAL SECURITY NUMBER. LAST AND FINAL RESPONSE.
Consumer complaint received 2022-10-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

To whom it may concern, Block and remove all information resulting from Identity Theft pursuant to 15 U.S.Code 1681 c-2 under the FCRA which states a consumer reporting agency shall block the reporting of any information in the file of a consumer not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

This is an identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

( DISPUTE CODE XXXX ) ( DISPUTE CODE XXXX ) My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX
Consumer complaint received 2015-04-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (PA)

I am a co-signer on a private loan ( with XXXX XXXX, who knows I am filing this complaint ) now held by American Educational Service - AES. They doubled the payment, without notice, several months ago, even though my daughter was unemployed until XX/XX/XXXX. I wrote to them recently asking for a forbearance due to a death in the family, and they did not appear to grant it as they said they sent me a message, nearly a week later, but I could not access it. I told them not to call me at work, as it is a public government institution, and I also told them not to have their collection agency, XXXX XXXX to call me, but they did. I have scheduled a payment for later in the week, which is over XXXX % of my daughter 's total salary per month, but I will still owe another payment. 

This company is awful. They need to be shut down. They increased the interest on the loan early on and it is nearly XXXX what we borrowed. 

Tell families never to take a private loan ; public ones are bad, too, but private ones are nothing more than goudging.
Consumer complaint received 2022-10-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Control, LLC (CA)

Credit Control , LLC, notified me on XX/XX/2022 about an alleged debt. According to Title 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of their fraudulent practices with the intention to cause harm, I have suffered mentally as well as financially. 

Credit control , LLC and its agents harassed me for an alleged that that was not even validated. Shared statements as well as a copy of a consumer contracts as evidence of the day, but as per the judgment in the case of XXXX XXXX XXXX XXXX XXXX a copy of the consumer contract is not sufficient evidence of debt. Due to their continuous act of deceit, coercion, and intimidation I have suffered XXXX XXXX XXXX XXXX 

According to 15 USC 1692a ( 2 ) the term Communication means that conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the consumer report { bearing information regarding the alleged debt } by the company will amount to communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing your formal notice to cease any further communications regarding this account immediately. 
This includes but not limited to telephone calls, emails, social media, or any consumer reporting agency. 

Any further contact by your agent or company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If they do not cease communication a lawsuit will be commenced against them. 

Credit Control , LLC and XXXX XXXX XXXX HAVE FALSELY REPORTED INFORMATION THAT RESULTED IN DEFAMATION OF MY CHARACTER. Further, they have created a deceptive form that made creditors and employers believe that I was in debt, though they could not prove its validity. If the debts were valid, they created a false impression that I was not able to pay the alleged debts. 

As a result, I was discriminated against and denied my right to extend credit. I also suffered emotional as well as financial hardship. Therefore, both Credit Control , LLC and XXXX XXXX XXXX are liable according to Title 15 USC 1681o.
Consumer complaint received 2022-10-25
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. (CO)

In accordance with the Fair Credit Reporting act XXXX Account for Experian accounts is # XXXX, which 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 Reported to the Credit bureaus as 6 hard inquiries that impacted my credit score from XXXX XXXX, XXXX XXXX on the date XX/XX/XXXX, and XXXX XXXX XXXX in which was XX/XX/XXXX and also from the same company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX IL XXXX and the date of inquiry XX/XX/XXXX. I noticed a total of three unauthorized hard credit checks by XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Another company unauthorized pulled my credit known as XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) marked a negative inquiry affecting my credit score. Next, a company called XXXX  XXXXXXXX XXXX XXXX unauthorized checked my credit. Also, XXXX XXXX in which the date of inquiry was XX/XX/XXXX, XXXX  XXXX, the inquiry date was XX/XX/XXXX, and XXXX XXXX XXXX  XXXX, the inquiry date was XXXX and XXXX XXXX, XXXX XXXX the hard inquiry date was XX/XX/XXXX. XXXX XXXX XXXX  and XXXX are unrecognized credit companies to access my credit report for this reason. A recent company that goes by XXXX XXXX, XXXX XXXX reported a hard inquiry on XX/XX/XXXX. Inaccurate information was disclosed by the employee when gathering my information for the credit card application. I was told it would be a soft inquiry. The employee authorized permission to give his phone number which is XXXX dispute confirmation number provided by XXXX is XXXX. For all the hard inquiries mentioned above, I didn't give the companies authorized to access my credit report for this reason. All 6 hard inquiries from the companies have been reported as a dispute and submitted to the credit bureaus. I've contacted all the credit bureaus and credit reporting agencies pior to submitting this claim The dispute confirmation number is XXXX.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

In accordance with the fair credit reporting act, Experian, XXXX, and XXXX has violated my federal consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 USC 1681 section 602 A states I have a right to privacy. These addresses do not belong to me : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Texas XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, texas XXXX
Consumer complaint received 2022-10-26
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 submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-25
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. (CO)

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 XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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 XXXX 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 2016-09-20
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (CA)

We have been COSTCO Executive Business members for over 10 years now. Recently, Costco switched their contract from XXXX XXXX credit card to CitiBank credit card. We chose not to activate the new CitiBank card ; paid off all outstanding balance accumulated on the XXXX XXXX card, closed XXXX XXXX account and shredded the CitiBank card mailed to us shortly before the transition. To our surprise, a month or so later we received a statement from CitiBank indicating that we have an outstanding balance with CitiBank. All my attempt to explain to the customer service that we do not have any relationship with CitiBank, never signed any agreements with the company, do not even have a CitiBank card in our possession, or know our CitiBank credit card account number failed. On XXXX XXXX, 2016, I spoke with a XXXX who explained that the balance was for COSTCO membership which was automatically transferred from XXXX XXXX to CitiBank. Since we do not have XXXX contractual relationship with CitiBank, I chose to pay our membership fees at the Costco warehouse directly. Yet, a month later we received another statement from CitiBank, now imposing an interest to the previous balance. I called customer service on XXXX XXXX, 2016, and spoke to a XXXX at ID # XXXX who assured me that the account would be closed within XXXX10 business days. Today, XXXX XXXX, 2016, I have received yet another statement from CitiBank. It still lists outstanding balance and interest. What gives this credit card company the right to harass me? I did not accept or solicit or seek their product, and refused on multiple occasions to use it. I acted in good faith and attempted to find out the origin of their repetitive billing. I spoke to various customer service representatives and have notes of those conversations. If there is no account, no credit card, no activity, and no agreement between us, what exactly am I being charged for?
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: ALLY FINANCIAL INC. (FL)

I received information from another credit monitoring system my personal information was shared on the dark web. then i noticed inquires that I'm not familiar with, so please remove them. here are the list 1.ALLY FINANCIAL Auto Financing Company 2.XXXX XXXX XXXX XXXX Auto Financing Company 3.XXXX XXXX XXXX Automobile Dealers, New 4.XXXX XXXX. , XXXX XXXX All Banks - Non Specifics 5.XXXX XXXX/ XXXX General Clothing Store 6.XXXX XXXX XXXX Auto Financing Company 7.XXXX XXXX Bank Credit Card 8.XXXX Leasing and Rent Reseller 9.XXXX XXXX XXXX Automobile Dealers , Used 10 . XXXX XXXX XXXX Finance Companies - Non Specifics 11. XXXX Bank Credit Cards 12.XXXX Bank Credit Card