davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Performant Financial Corporation (NC)

Performant XXXX has called me multiple times the latest was on XXXX17 at  XXXX. Claims to be a debt collector for the Treasury Department, with some claim that I owe $ 120+ to the Treasury Department for some VA ( Veterans Administration ) care.

That is impossible because I am an Unemployed XXXX XXXX, that does not have to pay any debts at the VA! I have limited means. I do not know what the claimed cost occurred from, nor am I going to pay for something I did not authorize or receive!
Consumer complaint received 2022-02-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NC)

I had a series of withdrawals taken from my checking account with Wells Fargo over the course of XXXX XXXX that totaled {$8200.00} in total. These withdrawals were used to fund XXXX. I logged onto my Wells Fargo App a few days after these withdrawals and noticed a message saying the bank has noticed suspicious activity on my account so I called the number they gave me and they read the different transactions and asked if I performed them. I stated no to all of them. I also noticed when checking my account that someone had made a money transfer from my credit card to my checking account totaling {$12000.00} during this same time period. Then whoever was using my information tried multiple times to withdraw that {$12000.00} to XXXX as well. Basically whoever was controlling my information/passwords/device had depleted my checking account and almost maxed out my credit card. I filed claim number XXXX disputing the credit card transfer and claim XXXX regarding the {$8200.00} taken out of my checking account. My initial disputes were both denied so I appealed to the executive office and that was also denied. The person I spoke with from the executive office stated that my appeal was denied because they found that whoever took these funds used my username/password and that it came from my device. There are several issues with this research. The first issue is there are cases where a hacker is able to access a persons phone/computer and make any actions appear that they are coming from that device. The second issue is I have been a customer of Wells FargoXXXX XXXXWachovia for around 20 years and if you look at my transaction history, there has never been a day that I've used my checking account or credit card like that day and at the hours it was used during that day. When I spoke with the person at the Wells Fargo branch about my situation she stated that those transactions don't match up to my profile ( that of someone with a high credit score and who has never done anything like that in the past. ) If Wells Fargo is unwilling to protect their customers from fraud I would recommend to anyone who sees this to put your money in a bank that will actually have your back and not one that is complicit in it being fraudulently taken from you.
Consumer complaint received 2017-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (TX)

NCAC is attempting to collect a debt I allegedly owe in the amount of XXXX for an Apartment complex I lived in XXXX to XXXX. Upon Move out I was told that I was to be emailed and mailed a copy of my move out statement - which I never received from XXXX XXXX. By the time I received any notification of any monies owed, the " debt '' had already been sold to a collection agency NCAC. I contacted the leasing office to get verification of debt and to find out how they came up with such a ridiculous amount even after keeping our apartment deposit and pet deposits. I was told that it was no longer their problem and to take it up with the collection agency. OnXX/XX/XXXX I sent a certified letter which NCAC recieved onXX/XX/XXXX asking for proof that I owed NCAC XXXX and to show proof of a signed contract that I owed NCAC any money. They failed to provide any such contract between me and them and instead sent me a copy of my lease with XXXX XXXX and a move out statement. On XX/XX/XXXX I sent another letter again asking for proof that I owed XXXX to the National Credit Audit Corporation and how they came up with that exact amount. They received the letter onXX/XX/XXXX and I once again received no such proof and was only sent a copy of the lease and a vague move out statement. On XX/XX/XXXX I requested new copies of my credit report from the Bureaus and NCAC also failed to mark my account as disputed within the appropriate timeline provided by law. 

As per the law not only were the unable to furnish any proof of how the debt had been calculated they were also unable to prove or furnish any signed contract I had with the NCAC making me liable for this alleged debt. 

They also violated the law by not marking my account as disputed within the allotted timeframe of 30 days.
Consumer complaint received 2017-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I currently have a dispute pending with Transunion and for some odd reason they have placed me in the priority department that has no direct number and when I leave a message multiple times they do n't return my call. If I 'm not mistaken its illegal to have a department without a number. Not to mention I have multiple inquires on my account that I did n't not authorize at all. I would like these inquires removed immediately. No one from the overseas call center or the United States call center has been able to assist because my file is locked. This is very frustrating because the inquires are a result of someone using my name. Transunion told me I have to contact the creditor and that 's FALSE according to the FCRA. The must provide me proof that I authorized these inquiries. I do n't want a computer generated answer back either. I 'm tired of wasting money on certified letters.
Consumer complaint received 2022-02-22
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. (OH)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-02-22
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. (NY)

n accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2020-02-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The complaint is about : getting the the title on the car left on our property for the last 10 years. The company ( Capital One Auto Finance ) was to pick-up the car from our resident. 
Type of problem : Can not contact the company to talk to anyone, can only get an automated voice system. I had left several messages for the first 2 years, with NO call backs. 
What happened : Asked the company to add my wife ( XXXX XXXX XXXX ) to the loan and take Mr. XXXX XXXX XXXX off the loan. At this time the company would call me for a payment BEFORE the payment was even due. That is when I told them that Mr. XXXX was filling bankruptcy, and that was the reason for adding my wife to the loan. Because my wife and I were making all the payments, and had made the {$7000.00} down payment, they denied the request, so I told them to come and get the car. That is when all calls from them stopped, I was not able to call and speak to anyone. 
What company is the complaint about : Capital One Auto Finance What people are involved : XXXX XXXX XXXX ( now deceased ) and XXXX XXXX XXXX XXXX. 
Details about this complaint : I purchased the car on XX/XX/XXXX, I believe my last payment was in XXXX XXXX, when denied putting my wife ( XXXX ) on the loan, instead of her father ( XXXX XXXX ) because of his bankruptcy. They denied my request and was told to come and pick-up the car. 
the car has been parked on the property since that time, on non-op through CA DMV.  several attempts have been made to contact Capital One to arrange pick-up, with no response. However Capital One did send a letter on XX/XX/XXXX, in regards to a account number change. at that time we tried to contact them about picking up the car, and got no response, even after leaving several messages. 
As well as several recalls on this car : 1. ) Power window- 5 notices 2. ) Cracked and or sticky/melting dashboards- 4 notices 3. ) May exhibit excessive engine oil consumption- 2 notices. 
4. ) Sun Visor may rotate downward. 
With all these recalls I do believe this is considered a lemon law problem, and may be why Capital One does not want the car.
Consumer complaint received 2022-02-22
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. (SC)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # 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
Consumer complaint received 2020-02-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (MO)

I believe I was taken advantage of Wells Fargo Bank from XX/XX/XXXX to XX/XX/XXXX when they closed my account. I was being charged a multitude of overdraft charges during the entire time I had a checking account at their institution. Every month I would have a negative balance of at least {$350.00}. There was no way this was possible. What can I do get ANY of these funds returned to me?
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2017-09-26
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (MI)

On XXXX/XXXX/XXXX, my sister received a call from XXXX XXXX XXXX on her cell phone ( XXXX ), from the phone number XXXX ( XXXX ) XXXX. Her number was obtained illegally by this company, and as she is my step sister, we do not even have the same last name. This is a violation of my privacy and hers. She is in no way associated with the account that is in collections and should have never been contacted. I informed the company of this and instead of responding to my complaint, they continued to discuss the debt.
Consumer complaint received 2017-09-26
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Seterus, Inc. (AZ)

I was notified on or around XXXX XXXX, XXXX, by a letter from Seterus, Inc., who at the time was the servicer of my mortgage loan, that this loan has been sold to and obtained by XXXX XXXX XXXX XXXXXXXX XXXX located in XXXX XXXX XXXX , Utah . I was told by Seterus , Inc., I would be contacted by the new servicer directly with information regarding the handling of my loan and were payments were to be sent. Seterus provided me with contact information for this new servicer and reached out to them directly via telephone to get a statement and additional information on how my payments would be handled. 

On or around XXXX/XXXX/XXXX I received the requested mortgage statement which I am in the process of sending in the required payment. This Company says they are a servicing company for my mortgage, however, the several calls and phone messages that have been left at my home number the messages indicate this is a debt collector. I am taking issue with this especially since my loan is current according to the conditions of this transition period. Are they a loan servicer or a debt collector, I resent the calls which have been frequent especially since this is a newly purchased and transferred loan.
Consumer complaint received 2022-02-23
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. (PA)

I've received a copy of my Experian credit report and found the following items to be in error. I am being wrongfully denied credit due to this matter.
Consumer complaint received 2015-04-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (NV)

There is a number that calls me XXXX - XXXX times a day ( XXXX ) without leaving a voicemail as to what the matter is about. It started on Tues. XXXX XXXX, 2015 and has been non-stop since then. The call will last about half the length of time before my phone goes to voicemail so it 's impossible for me to answer. Then when I call back it is a phony English automated message. I have no idea what debt they are trying to collect. It 's starting to get really frustrating. 

I recently changed my address and received a bill in the mail for no-show from a doctor whom I never seen. I 'm wondering if that is from them?
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 reported in MONTHS REPORTING LATE to be removed 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.

This company 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 2022-02-22
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: Experian Information Solutions Inc. (OH)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

The address ( XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX ) is a fraudulent address being report on my credit report due to identity theft. Ive disputed this address numerous times and it still happens to remain of my credit profile.
Consumer complaint received 2024-09-09
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXXXXXX XXXX XXXX -Balance {$20000.00} XXXX XXXX XXXX XXXX XXXXBalance {$100000.00} XXXX XXXXXXXX XXXX XXXX -Balance {$20000.00} XXXX XXXX # XXXX -Balance {$99000.00} XXXX XXXX # XXXX XXXXXXXX {$61000.00} XXXX XXXXXXXX XXXX XXXX  -Balance {$13000.00} Unauthorized inquiries XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I have reached out to all 3 credit bureaus about hard inquiries and the soft inquiries from pre approved credit cards on my accounts. I have had security freezes and active fraud alerts on all three credit bureaus agencies for years now because I was a victim of identity fraud. I have called and now sent letters to all three bureaus to erase the hard and soft inquiries that are not related to XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX. The rest need to be taken off and they all keep giving me the run around. I have also contacted all companies and they can not tell me a rhyme or reason why my report was ran and when I tell the credit bureaus they tell me to contact them back and essentially do nothing about it