davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management (GA)

After reviewing my credit profile. I identified this inaccurate fraudulent account under Amerifinancial Solutions - original creditor : XXXX XXXXXXXX XXXX XXXXXXXX. I have not received any correspondence from the creditor to validate this account is correctly belonging to me, nor has my credit report been updated to reflect this account is disputed and therefore a 2nd validation letter was sent out on this day, After reviewing credit report again on XX/XX/2022 there has been no updates and account is still reflecting on my report. This account does not belong to me nor does the creditor have authorization to access the account nor authorization to attempt to collect on this account and the account continues to negatively affect me. 

At this time, I will also inform you that your offices have reported invalidated information to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) this action will constitute fraud under both Federal and State laws. 

Due to this fact. If any negative mark is found on any of my credit reports by your company that you represent I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collections Act, and Defamation of Character. 

15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C. Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate In accordance with the Fair Credit Reporting act the List of account below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681 . Account name : Amerifinancial Solutions - 15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C. Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes antedates 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: United PanAm Financial Corp. (CA)

Dear CFPB I am writing to formally lodge a complaint against United Auto Credit and an individual named XXXX XXXX for their persistent and coercive attempts to force me to co-sign an auto loan for XXXX XXXX and XXXX XXXX, whom I believe to be con artists. 

Since 2019, I have been subjected to continuous and unwelcome phone calls from United Auto Credit and XXXX XXXX, pressuring me to co-sign an auto loan for the XXXX. Despite my repeated refusals and clear communication of my unwillingness to participate in this arrangement, their attempts have not ceased. This has now escalated to a boiling point, with the pressure becoming unbearable as of today. 

I firmly believe that XXXX XXXX, in conjunction with United Auto Credit, is collaborating with XXXX XXXX and XXXX XXXX in an effort to scam my credit. The relentless nature of their coercion and the dubious character of the XXXX strongly suggest a concerted effort to exploit my creditworthiness for fraudulent purposes. 

I respectfully request that your offices investigate this matter promptly and take appropriate action to protect consumers from such unscrupulous practices. The ongoing harassment and pressure to participate in a potentially fraudulent transaction have caused me significant distress and concern for the security of my personal financial information. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP (NJ)

My name is XXXX XXXX. On XX/XX/XXXX. I was given a letter by XXXX XXXX at the payroll dept. from work. The letter was to inform me of a garnishment judgment against me for the sum of {$10000.00}. Which {$8400.00} was awarded to XXXX XXXX XXXX XXXX XXXX which is now XXXX XXXX XXXX. This debt is from XX/XX/XXXX to XX/XX/XXXX. I had been living in this country XXXX yrs. of my life. I have never in the past taken any type of credit whatsoever until now that I made a decision to apply for a car loan. I never apply for any type of credit cards. Not even when I was young. Please help me correct this problem I feel I have been a subject of identity theft. Thanks, and please help, XXXX XXXX.
Consumer complaint received 2019-12-10
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.Q. DATA INTERNATIONAL, INC. (OR)

At approximately XXXX XXXX. on the above date, a person calling himself XXXX XXXX from I Q Data International, at this phone number ( XXXX ) XXXX, telephoned me in regard to an old rental issue for which I am *not responsible*. Using scare tactics and abusive language, he attempted to garner information he is not entitled to, one of which was how much money was in my bank account. He also called my fianc, my fianc 's mother, brother, and other family members, clearly showing that he was stalking me on XXXX, with the intent of stirring up discord and contention and to humiliate me. Near the end of the phone call, when I asked, What are my options? I'd like to move forward, he said, Well,  good luck to you, and hung up. So all of that harassment of myself and my family was for nothing if he actually intended to collect.
Consumer complaint received 2019-12-10
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (FL)

on XX/XX/XXXX I original made a purchase of {$2700.00}. When I noticed that the cashier rang my purchase under 12 month same as cash plan I quickly return to the store. The Manager XXXX return the original purchase, and re rang my purchase under the 36 month plan. The issue at hand is that the original return was never credited to my account. So, I am being charge an extra {$2700.00}. I have been trying to dispute this charge since XXXX of XXXX. I have made several calls to Mr. XXXX but, he has not returned any of my calls. Every time i file a dispute the information that I send, and or up load to Zales website is either delete, or the company does not receive my documentation.
Consumer complaint received 2019-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have proof from social security admin saying I had a rep payee from XX/XX/XXXX to XX/XX/XXXX and there are a lot of neg accounts on my credit report that were never paid by these payees and unapproved hard inquiries on my credit reports and I feel these payees trying to get credit in my name and TransUnion XXXX and XXXX  won't take proof from SSA saying I need to file a police report on paying not paying bills and the police department says its a civil matter
Consumer complaint received 2023-06-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Apex Mortgage LLC (MD)

On XX/XX/XXXX Apex mortgage had reach out to me asking if i was in the market to obtain a Heloc i said yes XXXX XXXX run my credit and offered me a personal line of credit based on asset but he said i need to give him XXXX so he can put it in escrow account, he then changed the amount to XXXX i gave him a cashier check then he asked for XXXX send via XXXX XXXX he then proceeded of asking for XXXX with an excuse of the underwriter kept changing the amount. He then never get me the line of credit and neither my money back
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX  reference # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-01-15
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: 2288984 Ontario Inc. (CA)

I have a payday loan with Moneykey that was obtained online several months ago. Due to an IRS tax obligation, I had to revoke the ACH authorization privileges on my account and begin making manual payments over the phone with a representative. Due to the fact that Moneykey was not able to receive twice-monthly payments from my checking account, they eventually converted my account to an in-house collection and attempted to set up payment arrangements with me for same. I have ALWAYS stayed in contact with Moneykey and have CONTINUED to make payments towards my account when funds are available to me, however they will not work with you on a payment plan that makes financial sense to their customers. I have informed them numerous times ( on recorded phone lines ) that I intend to pay this debt and will call them every couple of weeks in order to keep the lines of communication open and have EVERY SINGLE COMMUNICATION written down and accounted for in order to ensure they are not attempting to blur federal lines with their collection tactics. In the past, they have contacted my son and forcefully asked him to TEXT ME to call them, they have called my place of employment even though I had spoken to them earlier in the day. All of the collection tactics are harassing and highly unnecessary when I keep in CONSTANT contact with them. When they e-mail me, I immediately respond and have a record of every single e-mail communication in a special folder due to the fact that I can not trust them. This morning, they contacted a reference on my application and left a voicemail on her answering machine asking her to get in contact with me to call them. THIS IS UNACCEPTABLE AND UNNECESSARY when I have never disappeared from their radar and continue to communicate with them AND PAY MONEY towards this debt. Moneykey needs to cease and desist from contacting my employer, my office, and my references immediately. As a matter of fact, I made a payment to to them 6 DAYS AGO on XX/XX/2020. Why do they need to harass my references when I just recently made a payment?? Please assist me in making this harassment stop. Thank you.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (IL)

COMENITY CAPITAL BANK opened a new account ( XXXX ) under my name, without my consent or any involvement, which includes a charge with interest and fees under my name, which they keep increasing and submitting to Credit Bureaus ruining my credit score. 

This is not a new issue, I already submitted cases about this bank : XXXX, XXXX, XXXX, XXXX, for which I did not get much help, but now they literally opened a new bank account under my name, without my involvement, why are they allowed to do this?
Consumer complaint received 2022-12-22
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. (NC)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
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
Consumer complaint received 2019-07-14
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: SYNCHRONY FINANCIAL (MI)

I have proof from social security admin saying I had a rep payee from XX/XX/XXXX to XX/XX/XXXX and there are a lot of neg accounts on my credit report that were never paid by these payees and unapproved hard inquiries on my credit reports and I feel these payees trying to get credit in my name and XXXX XXXX and XXXX won't take proof from SSA saying I need to file a police report on paying not paying bills and the police department says its a civil matter
Consumer complaint received 2019-07-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I am very disappointed in the credit bureau closing an account that should have been open and never closed. I have been truly embarrassed about this issue while in the store trying to make a purchase. 

My Rooms to go credit card was open in XX/XX/2019. I was not notified that this account was going to be closed. This account has nothing to do with any previous accounts that was reported as fraud. The Rooms to Go account should have stayed open and not closed. 

This was an account that I did apply for, I would like for my account to be reopened. This was an joint account with my father as a the primary owner. I was not notified of this account being closed closed. 

We are very upset with a decision that was made and we were not contacted about the closure of the account.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (FL)

I have a Life Green checking account with Regions. I used their refer-a-friend program to refer my sister, XXXX XXXX . We were both supposed to receive XXXX $ XXXX XXXX XXXX. My sister finally did after calling multiple times, yet I have not. Ive called probably 10 times in the last couple months and have received every excuse in the book. Tracker not working, sent to wrong address, lost in the mail, etc. I have expressed my frustration with this and even asked to be sent to a branch. Still nothing. I just called again and they said there was nothing that could be done. I just want the XXXX $ credited to my account so I no longer have to wait. I shouldve received this over 2 months ago.
Consumer complaint received 2023-06-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC (TX)

My wife received a call that I was being served. They said the letter would be left under a rock by the front door and she asked him not to do that as it could possibly not be there after she gottt home from work. He left the letter in the mail box ad I've sent over a debt validation letter on XX/XX/XXXX, XX/XX/XXXX & 2day, XX/XX/XXXX as I was not provided any relevant agreements or any signed contracts. I will attach the certified mail receipts that I have as proof.
Consumer complaint received 2022-04-22
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. (OK)

In accordance with the Fair Credit Reporting act XXXX  Account ending in XXXX from 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
Consumer complaint received 2019-07-14
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. (FL)

I have accounts reporting on my report that do not belong to me. I have tried to get them to remove it but they will not. 

- XXXX XXXX XXXX XXXX - XXXX - {$29000.00}
Consumer complaint received 2019-12-02
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Adjusters, LLC (TX)

debt collection company called NATIONAL CREDIT ADJUSTERS has called my home many multiple calls since XX/XX/19 claiming some type of arrest warrant was issued at county clerk office in my county and i was to be arrested at my home or at work and to be sure i had a proper government id when they arrived if i don ; t pay them a debt that has been disputed for lots of years with no solution in site .they also called every one in my family multiple times discussing my debt and asking them would they pay up my debt collection also .they call a lot on fridays and say that by monday if i don't send a payment by prepaid debit card that everything will be sent to local county clerk office, but every one knows that no one ever come to my house .its just a scam that they do on people to scare them.
Consumer complaint received 2024-06-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (MI)

CLEARLY agencies like the CFPB have become so COMPLICIT they've turned their backs on the Consumer to keep protecting Businesses. Moneylion CLEARLY didn't learn from their first lawsuit with CFPB. Moneylion NEVER did respond to other complaints filed against them yet the CFPB ignores it. Yet Moneylion is continuing to charge customers monthly Membership Fees for loans they don't have. I included screenshots of me my account being charged without my CONSENT. I sent XXXX at Moneylion over 50 emails which i have and i also asked XXXX why was customers still being charged membership fees and other fees when they don't have a Credit Builder Plus Loan yet she never did respond. I don't have a Credit Builder Plus Loan yet i'm still being charged {$19.00} for a Membership. Moneylion haven't fixed their app issues they've had for four years yet they shouldn't be Moneylion have so many ads on their app it's difficult to use. On top of that Moneylion try to FORCE customers to give a tip by charging a fee for every XXXX they take out. Moneylion CLEARLY continue to be SHADY then tell LIES on their customers and blame their customers. 

Moneylion have WILLFULLY for two years ignored repeated requests and complaints by customers to fix their app issues yet for two years Moneylion have WILLFULLY chosen to use " TEMPORARY FIXES '' instead of actually fixing their app issues for four years. None of their " TEMPORARY FIXES '' have worked and Moneylion four years later still refuse to fix their app and they don't know how to fix their app issues afyer using so many " TEMPORARY FIXES '' that DID NOT work. Moneylion continue to blame the customers, our bank accounts, our debit cards, the banks, etc. Moneylion blame everyone but themselves. Moneylion WILLFULLY continued for two years to ignore customer complaints about their app issues yet they continue to ignore customer 's complaints. 

XXXX at Moneylion for months have been lying and giving me the run around about their app issues and claiming they haven't been aware about this issues which is a BLATANT LIE. Moneylion have known about this for four years.
Consumer complaint received 2022-10-02
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. (CA)

The Following accounts were opened under my name and social security number and have severely impacted my financial situation. They were opened without my consent or knowledge and is a case of identity theft. According to the fair credit reporting act section 109, I Demand these accounts be removed from my credit report IMMEDIATELY The fraudulent accounts are : XXXX XXXXXXXX Account number XXXX Total charges made {$1600.00} Account was opened on XXXX XXXX XXXX XXXX XXXX XXXX Account number beginning XXXX XXXX Total charges are {$990.00} Account was opened on XX/XX/2XXXX XXXX
Consumer complaint received 2023-11-03
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: Experian Information Solutions Inc. (MS)

I received a letter from Experian last month round XX/XX/XXXX cause I purchased car over 7years ago and the car had major problems so the mechanic guy came and pulled it to his shop and somehow he ended up keeping the car I XXXX XXXX and they say the title is with the company XXXX XXXX but somehow the mechanic got the car and it's on my credit it's stopping me from getting loans cars etc they say I owe but I dont
Consumer complaint received 2019-12-10
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. (MO)

I am currently a victim of identity theft, XXXX, Equifax, and XXXX  continue to report fraudulent activity on my credit report. XXXX XXXX has been filed XX/XX/2019, they did not comply within 5-7 business days according to federal law.
Consumer complaint received 2019-12-10
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. (MO)

I am currently a victim of identity theft, XXXX, XXXX, and Experian continue to report fraudulent activity on my credit report. XXXX XXXX has been filed XX/XX/2019, they did not comply within 5-7 business days according to federal law.