davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-15
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: ENCORE CAPITAL GROUP INC. (MD)

I was sued for a credit card debit a few months before the statue of limitations expired. I was served with papers and right before court date my husband died XXXX. I was in shock and forgot about court until morning of court. I did not attend .Midland has now garnished XXXX of my bank accounts. I have to respond to what is exempt .I am too poor to pay debt. My husband left us with {$5.00}. Im on SS.
Consumer complaint received 2018-01-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: LOBEL FINANCIAL CORPORATION (AZ)

I believe I am a victim of predatory lending. Around XX/XX/XXXX I made a purchase on a vehicle, a XXXX XXXX XXXX  from a car dealership in downtown XXXX area called XXXX XXXX XXXX ( May not be exact name ). The salesmen was able to get me a loan through a company called Lobel Financial at a desirable rate.I test drove the vehicle and everything seemed to be fine, until I took it home. This was the beginning of the end. I started experiencing problems with the vehicle within the first two weeks I had it. The transmission was " slipping '' in between 3rd and 4th gear, It was overheating and there was something going on with the engine. After getting stuck on the side of the road a few times, I returned to the dealership to try and get help with the problem to no avail. I ultimately had a mechanic look at it and he told me that the vehicle " would never run again ''. He explained that a new engine was needed in addition to my already existing transmission problem. I had already changed the thermostat, oil, and replaced the battery. I am a XXXX XXXX and I could barely even afford to do any of those things. At this point I was upset. I even contacted the finance company and received nothing but nasty language in return. At the end of the day Lobel Financial just wanted their money. If they 've kept they 're logs and stayed true, these problems should be documented on my account. It is my belief that I was sold a lemon purposely. There was a lot of pressure from the salesmen to " buy '' this vehicle because tomorrow could yield different results ( as far as monthly payments ). Now I have this on my credit report and would like it to be removed. This is unfair and unlawful. I have successfully obtained a lien against the car dealership. Now I would like to seek out a solution from the finance company which is removing this off my credit report. This is hurting my credit and stopping me from future purchases..
Consumer complaint received 2015-09-22
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (NY)

CitiMortgage " Dual-Tracking '' activities left me with ruined credit for the last 6 years after I was approved for a mortgage modification by them while they slyly commenced foreclosure activities simultaneously during the modification application period from XXXX 2009 to XXXX 2009. This dual-tracking defeats the purpose of a modification if they were going to commence foreclosure just the same. It smacks of fraud and protects their investment at the cost of consumer creditworthiness and home-ownership.
Consumer complaint received 2018-01-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

This account with XXXX originated with a date from 2010. The original 2010 date should be aged off if nothing else. I filed and forwarded a fraud report from The FTC. The account was removed from all three CRA. It has since repopulated on my Experian report via a collection agency and the new date shown. 
Experian has been reporting my account with an incorrect birthdate and SSN. I have filed electronic disputes, with supporting documentation, that I have again attached.
Consumer complaint received 2018-01-20
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. (SC)

The week of XX/XX/XXXX I sent Equifax a letter to verify collections and inquires on my account. For the collection accounts I never received verification or validation but on my credit report for XXXX XXXX  which is reporting 4 times for the same debt for & XXXX, XXXX XXXX for {$29.00}, XXXX XXXX XXXX ( 8 times ), XXXX XXXX, and XXXX. As for the inquires I have n't recieve any validation or verification that I requested for XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX in XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXand XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX for XX/XX/XXXX.
Consumer complaint received 2018-01-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Worldwide Processing Group, LLC (TX)

In the past week, I have received the same call four times. It is a robocall stating that it is for XXXX XXXX. The first time I simply hung up. The subsequent times, I dialed 0 to speak to someone. First time it was a woman, second and third times it was a man. None ever gave their name, all were rude. The final man, XX/XX/2018, was exceptionally rude after I told him that I had repeatedly asked them to drop my number as I am not, nor do I know, XXXX XXXX. The man began yelling and I yelled back to drop my number. At this time, my husband is hospitalized in critical condition, and I am afraid to not answer the phone if I am not at the hospital for fear the caller will be from a hospital, doctor or other care facility. Therefore, ignoring an unknown number is not possible for the time being.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I have repeatedly reported to all three credit bureaus that I have no knowledge of an account with XXXX XXXX XXXX All three bureaus keep coming back saying the account is accurate and verified but they dont send me any information showing how or what was used to verify the information or any information validating the validity of this account and that its owed my me or that its even my account. I dont know who XXXX XXXX XXXX is Ive never heard of them, have no knowledge of owing them. And nothing has been produced to show why this negative account should be reporting on my credit bureau reports
Consumer complaint received 2018-01-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

My ex-husband had a credit card with USAA XX/XX/XXXX. He added me to the account as an authorized user so that I can use the card. I never authorized to be a secondary card holder at any point or to have any financial responsibility for the card because I did not work. When we divorced my ex-husband defaulted on this credit card account. USAA has been trying to hold me responsible claiming that I have authorized them to add me as a secondary user at some point which is untrue. USAA refuses to allow me to have my own checking/savings account as a result of my ex-husbands defaulted credit card. My ex-husband also filed for bankruptcy. I have contacted USAA numerous times to have this straightened out. I have even asked them to send me proof of a signed contract that I authorized anything. They sent me a letter claiming they found proof, however they did not send me any proof. They did not send a contract, no signatures, or any info on what kind of proof they had. This is because USAA is being untruthful. They are trying to hold me accountable because he defaulted and filed bankruptcy. I have never authorized them to put me on as a secondary member because I did not work while I was married. USAA has charged off this account over 3 years ago I was told by a Representative who said they could not help me get a checking/savings account. I have recently remarried, and my spouse is a USAA memeber and my current spouse is trying to add me to their existing checking and savings account. USAA is refusing the allow my current spouse add me to their checking and savings account. I have been trying to resolve this problem for over 12 years now. Please help resolve this issue. 

Thank you
Consumer complaint received 2018-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA- XXXX XXXX Dear Capital One, Capital One Credit card ending XXXX Today ( XXXX2018 XXXX XXXX PCT ) I called your customer assistant Plan department and answered XXXX and asking payment assistant plan for above account number. Begin she not treated me as a valued customer and she asking same questions again and again. I told her I had account Last 4 number ending XXXX already in Payment assistant plan and I need to sing up with this account as well. 
She without checking said for me your both account current and not eligible for payment plan. I felt she given me wrong information. And same time she treated me unprofessional and I felt discrimination. 
I told her to transfer to account supervisor and I spoken with XXXX ( Customer Advocate Department ). She also very unprofessional  behavior and she cover it up XXXX XXXX was right. She basically said I have to skipped 4 months minimum payment and get my accounts past due and call again and see I am eligible to payment plan. I felt also she discrimination on me. 
She transferred my call to executive office and answered my call XXXX ( ID : XXXX ). She also not help me out and she not give any positive feedback. I felt each persons treated me very unprofessional. 
I having hard time financial situation and I loved to keep this account open and Please help me reduction APR for short period really appreciated. 

Thank you .. 
XXXX XXXX XXXX
Consumer complaint received 2024-09-04
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. (FL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Consumer complaint received 2018-01-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc. ()

Hello Sir, I hope this mail will find you the best of health. I am a XXXX citizen and residing in XXXX. Actually, i had transacted some crypto currency of amount almost XXXX ( Above XXXX $ ) Bitcoins to mistakenly generated bitcoin cash address. The Receiving Wallet Address generated by me was of Bitcoin Cash ( XXXX ), But the amount transferred was Bitcoin ( XXXX ) by the sender. Funds was transferred from XXXX to Coinbase channel. So, the sender sent XXXX to XXXX wallet address, which was generated by me. My amount is blocked at Coinbase end because XXXX showing XXXX confirmations of my transaction. I had mailed the Coinbase support team and explain them about my issue. But Coinbase team didnt bother to respond to my mails even the Lapse of 30 days. Further, I had also tried to explain them through call about the entire issue, but they did n't resolve my issue after the lapse of considerable time. Therefore, I am complaining through this channel to take action against XXXX to redress the grievances and issues of a lot of people, whose amount is blocked at coinbase 's end. 

Additional Information : Company Name : XXXX My Email : XXXXXXXXXXXX Transaction Hash : XXXX Receiving Wallet address ( BCH ) : XXXX Transaction Date and Time : XX/XX/XXXX, Between XXXX Transferred amount : XXXX XXXX Coinbase Physical Address : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX CA XXXX
Consumer complaint received 2018-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Innovis (CO)

I purchased software from this company which included registering my company name and address. I then downloaded the software. I needed to make a change to my software last year to conform to the CFPB banking guidelines on disclosing my locations to the consumer as required by law. They made the change over the phone. This year I needed to change my address again, and the company told me I had to pay them an additional {$300.00} to update my address and support. I told them I did not want to get support and pay the additional fee. They told me I could not update my account information from the purchase unless I paid NOW for the annual support. They are using this to NOW blackmail people into buying support for the year. I was never told when I purchase this that I would have to pay for software support just to update my address in their system and on my software. I just wanted my software address updated as I did for 3 years at not cost because its just my account address. This was never disclosed and is a violation of XXXX Policies of Bate and Switch. I will also be filing a complaint with BBB and CFPB Banking Violators This should never be allowed to happen to any consumer and policies should be stated upfront if they are now going to hold consumers hostage to collect support money. 

I was my address updated in their system and showing in my software. XXXX XXXX XXXX XXXX, XXXX CO XXXX. 

Thanks addressing this Bate and Switch Complaint! 

XX/XX/2018
Consumer complaint received 2018-01-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

On XX/XX/XXXX a certified letter was sent to this creditor after I noticed that my credit was being damaged because of them. I asked that they validate the supposedly owed debt that they claim that I owe. I asked that they provide records of my signature showing a contract that I have with them. They responded with an account summary report but NOT with my signature at all. A print out does not validate any debt that I have. I do not have a contract with this creditor. After a second attempt was sent to them I did not receive a response back. However on my credit report it shows that it was validated & meets FCRA guidelines. How?!? They never provided me with the information needed or their method of validation. This is unfair to me as a consumer. I do not owe this debt and would like this to be removed from all credit bereaus immediately.
Consumer complaint received 2022-12-26
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. (OR)

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 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, XXXX XXXX XXXX XXXX : # XXXX has violated my rights.
Consumer complaint received 2022-08-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (IL)

I co-signed a private loan for my son, the company came after me when he decided no to make good on his promise to pay back the loan, I made payments to Navient but the harassment from them became too much and in 2017 I filed bankruptcy Navient continued to receive payments the five years I was in my bankruptcy, which ended XXXX of this year, Navient sent a claim for {$22000.00} to my bankruptcy, they were paid {$13000.00} as soon as the bankruptcy ended they sent me a bill to restart my payments when I called them for my total amount owed they stated it was {$15000.00} when I asked them how that could be possible first they stated it was because my loans were in forbearance even though they received monthly payments the entire time I was in bankruptcy I filed a XXXX XXXXXXXX the next time I called they said it was 5 years worth of interest rates I knew I would owe something but the amount they are telling me seems a lot higher than what I expected also my bankruptcy trustee also said it was too much Please know I am willing to pay what I owe them, but because they have been so disrespectful and untrustworthy and they will stop at nothing to get you I just do not trust what they say I sent them via fax all the paperwork I have from my bankruptcy showing payments and dates to no avail, if your company can't help me please feel free to refer me to someone who maybe can help me, I totally blame my son for this but I am just trying to clear my name, I am XXXX XXXX XXXX, still working and trying to maintain, I really can't afford to pay them what I don't owe them, I have all my paperwork and will be glad to send it to whomever can help me.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Under The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., and 15 U.S. Code 1681b - ( a ) ( 1 ) ( 2 ) Permissible purposes of consumer reports, XXXX XXXX is reporting a transaction under my report with my consent and permission, I also received a letter stating that, " We have confirmed this account is no longer being reported by XXXX  XXXX ''. 
this items shows that it is being reported by XXXX XXXX
Consumer complaint received 2020-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Since XX/XX/2019 I have written letters to XXXX XXXX XXXX XXXX regarding the fact that they are reporting old information regarding me including old addresses and phone numbers, and several incorrect spelling of my name. 

The correct spelling of my name is : XXXX XXXX XXXX The only address that should appear is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The only telephone number that should appear is : XXXX Place of Employment : N/A
Consumer complaint received 2018-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: On-Site Manager, Inc. (WA)

XXXX2018 was denied an apartment on background stating court action against me in regards to 2 homes I was renting. records should show acknowledgement, missing was I factually Had Lease that should of been legally honored and presented.by myself and attorneys handeling the cases.It does not show evictions or any fees owed.my sons also had backgrounds done and paid for showing no issues on the paperwork we saw but were also denied.
Consumer complaint received 2020-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (MA)

Happy Saturday everyone!!! I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.