davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-20
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CURO Intermediate Holdings (TX)

XXXX Over the past 12 months, possibly more, " XXXX XXXX XXXX '' has been harassing my fiance, myself, my mother, father and sister with repeated and unrelenting calls at all times of the day. 
One day my elderly mother who is sick with XXXX  answered one of their calls and she was verbally assaulted by some miserable man who told her if I didn't pay my debt that I would be arrested. 
They never leave a voicemail announcing who they are, they just inundate my phone with call after call after call. If it was not for caller ID I would think there was some random lunatic harassing/stalking me and my immediate family. 
I can count on my call history over the past six months, over 100 calls to my phone number alone. 

These people do not follow the letter of the law when attempting to collect a debt, they do not have any respect, common courtesy or general decency. 

I hope this complaint is able to prevent someone else from experiencing the type of malicious intent that they have imposed upon me and everyone I love in this world. 

I know God will ultimately handle all wrong doings, so I find solace in that fact.
Consumer complaint received 2018-12-27
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. (NJ)

As stated in my previous Complaint against TransUnion. See Below ; Transunion is Seriously dismissive when you talk to them on the phone. Obviously, they do not teach Customer Service Skills. My credit score was recently bumped up to over 700 for the first time in my life and after working on my credit for the past 5 years. I was awarded a {$5000.00} credit limit with a retailer in order to obtain a gift for my wife. I used {$660.00} of that credit which works out to just over 10 %. Although my credit report shows I have 100 % payment record and only 14 % of my entire credit limit ( I have 4 credit cards ) none of which are delinquent. TransUnion DROPPED my score by 136 points in a 24 hour period. Nothing had changed on my report except the retailer had reported my {$5000.00} limit. TransUnion had been the only credit agency that allowed this to happen. It had no effect on my score with any other agency. I called them ( Transunion ) several times with no result and a very dismissive attitude in which they offered no guidance, no offer to assist in anyway. No explanation as to way this happened, no offer to investigate, ZERO assistance. I am now taking Legal steps against TransUnion and reporting them to every Federal Agency concerned with consumer credit. 

This has not been resolved to my liking. This is a pathetic response and my credit score only gained 100 or 136 points originally taken from me. 

While XXXX ( who is an abomination in itself ) lowed my score by only 4 points after opening this {$5000.00} account, TransUnion somehow believes I should be okay with a 36 point decrease in my credit score. I'm 1000 % sure they have NO GROUNDS to stand on when making that decision and down-grading my score to what ANYONE would believe is an exorbitant number of points. 

I want this repaired and I want a REAL explanation as to why this happened. I will continue to file complaints over and over and over ... ...
Consumer complaint received 2019-01-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I contacted this business for a debt that I believe doesnt belong to me. They were very rude and hardly gave any information. I asked for PROOF OF VALIDATION, they sent me two forms that look like they wrote in my name. These forms are fraudulent because Ive never signed nor lived at this address. The signatures on the form are nothing like mine, also I asked for the original documentation. They sent in a letter showing fees that were assessed. I never lived here and if someone has used my name I want to take the correct legal action. I would like this company to send me the original lease and any other proof that this is my debt, not just a paper they scammed together. If I dont receive original documentation I will be suing this company. Its been far to long that theyve been scamming me. Also every week theyre going up on the debt. This is also fraud and Ill be filing another complaint with the XXXX.
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX I am XXXX XXXX XXXX. 
I have some address that need to be off my credit file The following address are not mine : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following numbers are not mine please delete remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2019-09-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: United PanAm Financial Corp. (FL)

Greetings this company sold me a lemon and the bank that approved the loan have a great working relationship with this shady dealer, that sold me a lemon. I went to the dealer and ask them to change the vehicle due to the issues and he told me that I have to wait six months in order for him to trade the vehicle, now mind you within that time the car have been in his shop and possession getting fixed and I had to pay for the service and the part that they replaced. In the six month time I went back and told him that you had promised to trade the vehicle because now I am experiencing more problems and that is not fair then he told me that the bank United auto doesnt want him to trade the vehicle. So I told him that I will leave the vehicle on his lot, he told me go home and he will work it out with United auto credit because he knows the manager personally. 
Nothing happened and and I made several calls to United auto credit to let them know, how am I going to continue on making payments on a vehicle that I cant drive, so they told me to return the vehicle and I will not be charged. It took me more than two months to schedule a pick up with this company they are just horrible and shady.
Consumer complaint received 2023-03-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (WA)

I have sent several requests regarding late payments that are being reflected on my consumer report and still have not received a response on XXXX I sent a CFPB request claim number XXXX and XXXX requesting PROOF of these so called late payments and stated LAWS that they are BREAKING by reporting INACCURATE information it has been well over 30DAYS I still have not received proof I DEMAND that ALL LATE PAYMENTS be REMOVED XXXX XXXX XXXX from my credit report and updated to show as positive. Account XXXX department of Education
Consumer complaint received 2023-03-24
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. (CA)

My name is XXXX XXXX XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the account below : XXXX, XXXX. XXXX
Consumer complaint received 2021-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

Because Midland Credit contacted me regarding a fraudulent account back in XX/XX/2020, I have written a letter to the company explaining that the account was fraudulent. I included a police report and FTC identity theft report with the letter. 
I requested proper validation to be processed and provided documents that were used for the validation. Since then, I did not receive any types of communication from Midland Credit Management. 

It was shocking for me when I received a letter from the court stating the Midland Credit Management is attempting to make a lawsuit against me for the same debt that they contacted me initially. 

I specifically stated that the account from XXXX XXXX  is a fraudulent account that had been involved with identity theft and requested verification and validation to be processed. Midland Credit Management completely ignored my statement and supporting documents and falsely attempting to collect the debt that is fraudulent. 

I will include a letter that was submitted on XX/XX/2020 with the original copies of the police report and FTC identity theft report.
Consumer complaint received 2019-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (VA)

I opened a business checking account with wells fargo under a promotion to receive {$500.00} bonus when I meet the following requirements. 

Within 10 days of opening the account, deposit {$2000.00} or more into the new business checking account, and Have a {$2000.00} minimum balance in your account on Day 60, and Make 5 or more qualifying transactions that have posted to the new business checking account by Day 60. 

I met this requirements about 30 days ago, but still didn't receive the bonus.
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (CA)

TD retail sent a letter in the mail stating an credit card was opened. I called to state it was fraudulent, and tried to go through fraud dept to dispute. After multiple phone calls from collections, I blocked the number. Roughly 30 days after the first report, I received my first letter in the mail stating I still owe money. After dealing with 5 people and 3 different phone numbers, I was told an affidavit was mailed to me, which I never received, and since it never was filled out and returned, they denied the claim and are asking for funds. Going through the entire process again and not feeling confident.
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (UT)

I tried to get the free annual credit report from Equifax because XXXX sent me a credit card that I had not ordered. XXXX and XXXX were great and I easily got my reports, but Equifax said that it couldn't send me report online. I tried to call them ( This was in XX/XX/XXXX ) and never could talk to a live person. I tried to order a report today ( XX/XX/XXXX ) and again, Equifax stated that it could not send the report online and to call them. I called again. Equifax stated that my address was not what they had on file. Now I '' m really worried. All of the information that I entered was correct. I never could speak to a live person. Equifax wants me to send all of this personal information through the mail to them so I looked up reviews. Other people have not had good luck with sending their personal information to Equifax. The company appears to be a complete joke. Why is Equifax even allowed to access our personal information? I can't get my credit report from them, nor can I talk to a live person, yet they hold my personal credit information and claim that what they have on file is not what I just entered. I have no idea what to do next.
Consumer complaint received 2019-01-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (MD)

My husband has also made a complaint against Navy Federal. He took out a personal loan and in XX/XX/2018, Navy Federal contacted me to say he was late on the loan payment and that I was a co-signer. I never co-signed any loan. I have never been in a Navy Federal location and have not signed any documents with them.

Prior to this, we had an identity theft issue at Navy Federal where they said we had a loan out and my husband ended up filing a police report.

In the summer of XX/XX/2018, I got a call again from Navy Federal saying my husband 's checks bounced. I told them again that I did not co-sign for the loan and they urged me to not take my name off of the loan as it would cause my husband legal trouble. My husband said he signed up for the loan over the phone and then went into a Navy Federal location to sign the paperwork. We then asked for them to mail us the paperwork where it would indicate I co-signed the loan and we never received  anything from them in the mail. 

In XX/XX/2018, I received a letter from Navy Federal stating the loan had an outstanding balance of XXXX. My husband took out a loan for XXXX to consolidate debt from medical bills. The last time he spoke to Navy Federal, he had explained that he had lost his job and that they were working out an installment plan. We had no indication that this loan had accrued XXXX in fees. No letter or phone call was made and he was under the assumption that the installment plan was still in place. When I contacted Navy Federal again, they said that the loan was in collections and we would not be able to remediate the issue.
Consumer complaint received 2023-08-22
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. (TX)

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above late payments to the referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Consumer complaint received 2017-06-22
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX I sent a letter to XXXX XXXX, XXXX requesting validation of a debt they said I owed them in the amount of {$1300.00}. The original creditor was XXXX XXXX XXXX XXXX replied back to my request on XX/XX/XXXX and stated that this was a business loan secured by me with a personal guarantee and this was why the could put it on my personal credit. When I asked for the personal guarantee that I supposedly signed they could not produce it. XXXX XXXX went as far to say they were not a 3rd party collection agency and that the FDCPA rules did not apply to them. I could n't get anywhere with XXXX XXXX, so I decided to contact XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, Equifax XXXX,  XX/XX/XXXX, XX/XX/XXXX and XXXX XX/XX/XXXX to help me resolve this issue with XXXX XXXX. All 3 bureaus gave me the run around and all I wanted was an honest investigation.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

In accordance with the Fair Credit Reporting act Cap One Na, Capitol One XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHTS 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 2023-03-23
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. (FL)

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 XXXX XXXX XXXX : # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (TX)

I have been keeping close tabs on my credit and have noticed a couple of different account appear on my credit that I have not opened. I have disputed them through XXXX  I have also reached out to the companies and they have all told me that they wont do anything to help me. I have also asked repeatedly for copies of the original debt so I can see if this debt is mine and all they tell me is they have already mailed it to me. I still have not received anything in the mail. 

CACI Consumer Adjustment XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX ) XXXX {$400.00} From XX/XX/XXXX It just appeared on my credit report in XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX ( XXXX ) XXXX {$940.00} From XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX {$1000.00} From XX/XX/XXXX I have reached out to all these companies and they will not provide me any documentation showing that these are legitimately my accounts.
Consumer complaint received 2023-03-23
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.