davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

I want to file complaint against XXXX XXXX XXXX. ( XXXX XXXX XXXX XXXX, XXXX, AL XXXX ) and I.Q. Data International , INC. ( XXXX XXXX XXXX XXXX # XXXX, XXXX, WA XXXX ) What they did severely impact my life and harm me financially. First of all, they imposed a debt on me, which I did not owe. Second, they hurt my credit score so bad that I might not be able to get a mortgage, the interest rate would be much higher than what I supposed to have even I can qualify for a loan. Third, I have been suffering emotional stress in the process of finding solution and communicating with XXXX XXXX XXXX. and I.Q Data. Forth, I might lose the chance of buying my first home. I might need to pay more in future if I don't buy the house now. 

I was employed by a company in XXXX, AL from XX/XX/XXXX to XX/XX/XXXX. During this two-month period, I stayed in the company offered apartment at XXXX XXXX XXXX. I no longer live in the apartment after I left the job. 

I found out that there is a {$2000.00} collection on me when I tried to get a mortgage to buy my first house in XXXX, XXXX. And, my credit score dropped to XXXX. I called I.Q. Data International, INC whose contact information was listed on my credit report, and found out that it was XXXX XXXX XXXX. put the collection on me. I filed dispute immediately on XX/XX/XXXX. I also contacted the company I worked for in AL. 

I lived in XXXX XXXX XXXX for only two month in XXXX because it was company-offered lodging. The company I worked for renew the rental lease in XXXX, XXXX and the company terminated the lease before it ended. According to the manager of the company, the early termination of the lease was because XXXX XXXX XXXX. did not repair water damage in the unit, the unit was not suitable for living, and XXXX XXXX XXXX. refused to switch a good unit for the company. Then the company has to terminate the lease. XXXX XXXX XXXX hires I. Q. Data to collect whatever they think the company need to pay. 

Long story short. No matter what happened between XXXX XXXX XXXX and the company I worked before, it should not be my responsibility to pay for whatever between them. I did not sign the rental lease. Even though XXXX XXXX XXXX. lists me as a roommate in XXXX, I should NOT be a roommate for XXXX when they started a new lease. I was neither a leasee nor a roommate. XXXX XXXX XXXX. and I.Q Data are misusing my information. They should contact the company to solve the problem instead of putting the debt on me.
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX a collection account for {$500.00} was deleted from my 3 credit reports ( XXXX, Transunion and XXXX ) do to non validation after sending a debt validation letter directly to creditor with no response. After reviewing my credit reports I noticed it had been Re-inserted on all 3 Credit Bureaus On XX/XX/XXXX. 

According to the FCRA 611, If any information had been deleted from a consumers file pursuant to subparagraph ( A ) the information may not be reinserted in the file, unless the consumer reporting agency shall notify the consumer of the reinsertion in writing not later then 5 business days after the reinsertion. 

As of today XX/XX/XXXX I have not received any letter of reinsertion.
Consumer complaint received 2018-07-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc (NJ)

Since XX/XX/XXXX PayPal over drafted my bank account 14 times even tho I called and told them I would pay the amount as soon as I got paid. Instead they attacked my bank account racked up {$2000.00} in overdraft fees and stolen {$580.00} from my bank account. On top of that still states I owe {$700.00}. Which doesn't make sense cause I only used {$350.00} which they took more than what was used by me. Cause of them overdrafting my account two of my XXXX checks have been eaten up. Wasn't able to pay for my monthly bills. I am a XXXX XXXX   veteran I live off my XXXX and PayPal has ruined my bank account and also made me miss my monthly bills. I was told I would be given a week to pay it back by their customer care but never given that time and was XXXX financially.
Consumer complaint received 2018-07-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

I have received repeated calls and letters regarding this debt. I have requested validation of the debt and was told that the debt is mine however, how can the debt be properly validated if you don't know the services that were completed and if it is accurate. I personally don't remember ever receiving services here and especially not for this amount. In order to properly validate the debt, the bill would have to indicate what services were performed and doing so would be a HIPPA violation. Please delete this erroneous debt.
Consumer complaint received 2018-07-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

I have no idea who or what type of collection this is for. It says the original creditor is " XXXX XXXX '' and a balance of {$2100.00} This is not mine. Please delete. Never received anything from the XXXX XXXX and it appears to be an error. Please delete.
Consumer complaint received 2018-07-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

Have received phone calls and letters and I explained to collection agency that I do not believe it is mine and I would need proof that the debt is mine. To date they have not been able to validate. How can you properly validate a medical collection without it being a violation of HIPPA law? I do not believe this is mine. This is not mine. Collection agency refuses to remove incorrect info.
Consumer complaint received 2018-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

I have repeatedly tried to explain to this agency that this debt does not belong to me. They refuse to remove. They have said the debt was validated however 1 ) they never could show an original contract where I signed or an agreement with me.
Consumer complaint received 2018-07-05
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)

Good Morning I am submitting an Complaint that I have with Equifax regarding XXXX XXXX this company is reporting a plethora of 30 day lates and two 60 day lates on my credit file, I disputed with 609 letters, citing unverified lates reporting however it always came back as verified with Equifax. I suspect XXXX auto verification is being used because when Equifax was responding it always came back with the same generic auto response of verified or meets FCRA. This is a violation of my rights because they were not doing their due dilligence investigating. They also stopped responding, that allows me to take legal action. Furthermore I asked for the method of verrification because there was no lates on my behalf. Please have them update all the lates on my credit report to positive. They are as followed, XX/XX/XXXX ( 60 day late ) XX/XX/XXXX thru XX/XX/XXXX ( 30 day lates ) XXXX XX/XX/XXXX to XX/XX/XXXX ( 30 day lates ) and a 60 day late for XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-04-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

Submitted complaint XXXX. Company responded with letter to contact them. Phone number XXXX is non-existent number. Previously company gave me a number of an XXXX  XXXX hotline. Wells Fargo needs to be investigated as they are purposely depositing non-payable checks in violation of banking laws.
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A hard inquiry is noted on my credit report from transunion that is fraudulent. XXXX   XXXX inquiry dated XX/XX/XXXX is fraudulent. They called me onXX/XX/XXXX and we agreed it was a fraudulent application. XXXX  XXXX has told me that they notified all three credit bureaus. It is now XX/XX/XXXX and this inquiry still has not been erased by Transunion
Consumer complaint received 2018-04-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank solicited me by mail to apply for for a HELOC. I called and filed an application. They called me with an issue and we traded phone calls for a while. They are next to impossible to get a human being on the phone, often 20-30 minute wait times with no ability to leave a message. Eventually we spoke and they told me the issue was that my wife, who had recently experienced a stolen credit card, had a fraud alert on her credit report. We contacted the credit bureau ( XXXX ) and removed the fraud alert and they told us that TD 's issue was nonsense and that a fraud alert doesn't prevent them from drawing credit reports. In fact my wife and I just received the mandated letters telling us the credit scores they received. I have since been unable, despite hours of attempts, to get anyone on the phone to discuss the issue. TD 's voicemail talks about exceptional service, horrendous is a much more appropriate term.
Consumer complaint received 2018-04-20
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: SYNCHRONY FINANCIAL (LA)

On XX/XX/XXXX a credit card account with PayPal/ Synchrony Bank was fraudulently opened in my name. I learned of this account after receiving a collections notice from XXXX XXXX XXXX ( a collections company ) requesting payment. I do not, nor have I ever, held an account with PayPal or Synchrony Bank doing business for PayPal. I have not, nor have I ever, authorized use of my name or personal information for incurring a debt with PayPal or any other debtor. 

Upon speaking with a XXXX XXXX XXXX representative, I learned this account was created on XX/XX/XXXX and a purchase was made in the amount of {$990.00} in XXXX XXXX, CA which I have no knowledge of. The past due balance after no payments were made is {$1100.00} as advised by XXXX XXXX XXXX. The address on the account is not, nor has it ever been, my residence. I learned of this address from the XXXX XXXX XXXX agent and she advised it is XXXX XXXX XXXX, XXXX, TX which is an address I am not familiar with. I did not, nor have I ever, made a purchase via PayPal in any manor or a purchase in, or shipping from, XXXX XXXX, CA. I have tried numerous times and numerous numbers ( listed below ) to reach PayPal and every representative has said this account is non-existent and will not give me any further information. I have tried in excess of 17 different phone numbers ( or transfers ) for PayPal and have reached no resolve. In addition, PayPal will only give information after providing the email address on file to which I do not have an email on file with PayPal. 

The fraudulent account is showing on all 3 of my credit reports and hindering my ability to get a mortgage. I have spoken with XXXX XXXX XXXX which was the collections agency associated with the account and they determined the account was fraudulently opened and removed their reporting from my credit history ( see attached letter ) ; however, I can not get anyone at PayPal to acknowledge this account even exists or to remove it from my credit report. 

My resolve would be to please remove this account from my credit history and provide a letter in writing either by email or mail stating such intent. I certify the representations made are true, correct, and contain no material omissions of fact. 

PayPal Numbers I have contacted, but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX is reporting an inaccurate address and name for me. 
I never lived at XXXX XXXX XXXX XXXX VA, and my name is NOT XXXX XXXX XXXX. 
I have disputed this and it is still on my credit. 

Experian is also reporting an invalid name on my credit report. My name Is NOT XXXX XXXX XXXX I have disputed this already and they are still on there. It is affecting my financing and needs to be fixed asap
Consumer complaint received 2018-04-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX and Experian are refusing to move an obsolete account. I have disputed the account from XXXX XXXX account number XXXX, open XX/XX/2005. This account is reporting incorrect information including the account has been closed over several years and both bureaus are refusing to remove. When I contacted XXXX XXXX they inform me to dispute with the credit bureaus and when I dispute with TransUnion and XXXX they indicate XXXX XXXX verified. Well since I could not get a resolution, I requested that both organizations provide me with a Method of Verification, which includes the party who verified, address and phone number, so that I may obtain assistance with this removal in which neither bureau would provide me with this information, I do not understand why they did not. Again, I am requesting the removal of this obsolete account.
Consumer complaint received 2018-04-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

In XX/XX/XXXX I took out a mortgage loan with Wells Fargo Bank, N.A. for the amount of {$390000.00}. I was promised a low interest rate and a low monthly payment, as advertised. The lender did not fulfill its promise ; the mortgage monthly payment and interest rate were higher than promised ; and it only kept increasing. I Defaulted on my mortgage because I could not keep up with the increasing mortgage payments and inflating interest rates. On XX/XX/XXXX, there was an assignment of mortgage filed with XXXX County Clerk 's office. The assignment of mortgage assigned the mortgaged from Wells Fargo Bank, N.A. to XXXXXXXX XXXX  XXXX. On XX/XX/XXXX, XXXXXXXX XXXX   started a foreclosure action against me for the amount of {$380000.00} which is about XXXX from the original mortgage 2 years earlier but I already had paid over {$60000.00}. How is that possible? I also never receive any Bank Statements from XXXXXXXX XXXX. 
I tried to resolve the problem with the lender to give me a chance to catch up with the payments when I defaulted, but they declined. I also submitted a loan modification application on XX/XX/XXXX which I received a denial letter from Wells Fargo dated XX/XX/XXXX, how is that possible? They don't even review my Loan modification application for assistance and they denied it. I haven't even receive a Notice of Sale saying that my property is for Sale now. It seems like they do not care whether I paid back or not, they just want me out of my house which I am trying to repay. I am a victim of the housing crisis and I feel that there is fraudulent element to what is happening to my mortgage loan.
Consumer complaint received 2018-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation (FL)

On XX/XX/2017 XXXX XXXX FL came out to my home to give me an estimate of my a/c repair.

After investigating the problem they gave me their estimate. The cost would require me to open an account to pay for this service. I declined the offer as I was not financially able to open up new credit. I refused the offer as I was not willing to open new credit. 

The technician left and I believed the matter was closed. Before reaching the end of the month I received a bill statement siting my new line of credit {$5000.00} an available credit of {$4600.00} with an outstanding 'purchase ' of {$400.00}. 

They provided me no repair service but a Quote.
Consumer complaint received 2018-04-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NC)

I originally purchased my home in XX/XX/XXXX for {$170000.00} ( new  construction home ), and financed with an FHA through WellsFargo. I  refinanced through the HARP program, also with WF. The woman came to my office in XX/XX/XXXX and stated I did not need an appraisal and just needed to rerun a credit report to finalize the refinance. I signed the papers in XX/XX/XXXX and my refinance was complete. Included in my packet was a form stating I had a right to a copy of my appraisal, but they claim one was now not done. My original appraisal of my home was $ XXXX. I have been paying PMI since XXXX, and have no missed/late payments. Now that my loan is around $ 140K I decided to call and see when I could remove PMI. WF has told me repeatedly the value of my home at time of refinance was {$130000.00}, which is ridiculously low, as my house is worth well over that amount and always has been being a new construction home where the values are all increasing. They have told me that was the value when I signed and agreed my home was worth per an appraisal done by the investor that supplied the loan. They now claim I have to pay another $ 34K+ toward my loan before I reach a 78 % LTV ratio to remove PMI, which would be years. They are also telling me I need to pay for another appraisal to the tune of {$550.00} to remove the PMI if they value my home higher, which I have no doubt it will. I believe WF put the low number on the value of my home to force me to continue paying PMI for years to come. They have been repeatedly asked to provide proof of how they came up with the value of my home and they can not provide it and will not. I have talked at least six times to people on the phone at WF and receive the same answer. My home on the tax website for my county interestingly lists the building value at {$130000.00} and the land value at approximately $ 30K, totally over {$160000.00} for the building and land combined. I believe WF just took the number listed for the building and inserted it on my paperwork and  never made me aware of what they are doing in an effort to trick me into a lower value on my home. I am attaching all documentation. I have been dealing with this since XX/XX/XXXX and believe this is part of their deceptive practices with regard to PMI and mortgage refinances.
Consumer complaint received 2018-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (AP)

XX/XX/XXXX I received a letter from XXXX XXXX XXXX re : a  XXXX phone bill they are trying to collect in the amount of {$5100.00}. 
XX/XX/XXXX I mailed a certified mail return receipt letter to XXXX responding to their attempt to collect the debt. I indicated that I do not have any responsibility for this debt, I'm disputing it, and that if XXXX forwarded or returned it to another company, to indicate that it was disputed. 
- I have never had a XXXX phone account and my name is not " XXXX XXXX ''. I mailed a letter to each of the three credit bureaus ( XXXX, XXXX, and XXXX ) with the collections letter from the creditor, letter to creditor disputing item, copy of birth certificate, and copy of auto insurance statement verifying current address. 
XX/XX/XXXX The date of my corrected XXXX Credit Report indicating the outcome of the investigation : " Deleted - this item was removed from your credit report '' XXXX XXXX, XXXX I received a debt collection letter from Southwest Credit . This company is trying to collect the exact same debt that XXXX attempted to collect and was found to be wrong and removed from my credit. 
I am submitting this complaint in an attempt to stop this cycle of one company selling an " already proven invalid '' debt to another company and so on.
Consumer complaint received 2018-07-04
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. (AZ)

To Consumer Financial Protection Bureau, XX/XX/XXXX This is the 3 rd complaint against Experian and every response from Experian has been documented on my side, the initial complaint was based on my credit score dropping 20 pts, me being removed from Experians special status customer service for consumers who have attorneys write to Experian and why an authorized account was not being recognized by Experian. 
As I a XXXX XXXX XXXX XXXX, I know my credit rights and I am versed in credit laws. 
Experian requested that I consultant with a credit expert and or banker to have them explain my credit drop of 20pts, in which I consulted with my peers in XXXX, they were as confused to see that my credit score had dropped 20pts for no apparent reasons, the responses from Experian have been shall we say, deceptive to the point of ignoring the request for an explanation of the credit score drop. 
I would like to have Experian explain why I am on a special status list for consumers? It requires time and different agents to speak too about my credit profile with Experian. Again, I am I a XXXX XXXX XXXX XXXX, I know my credit rights and I am versed in credit laws, and I will use the full extent of my legal rights to protect and get my credit profile fixed according to The Fair Credit Reporting act. 
On complaint XXXX Experian has stated erroneous and false statements and it seems who has responded is not versed in credit laws or credit rights, My attorney provided Experian with recent XX/XX/XXXX information pertaining to this authorized user account, while Experian is using old outdated account information from XX/XX/XXXX, which again they are ignoring information from the data furnisher XXXX from XX/XX/XXXX, they have requested this information on complaint XXXX and they will review it. 
My attorney provided this information on the 1 st legal letter that was sent to Experian, I have provided this information on complaint XXXX and XXXX from the data furnisher XXXX that they report to the 3 major credit bureaus, perhaps Experian would like to explain their actions under a legal court hearing? 
As I have stated before I am I a XXXX XXXX XXXX XXXX, I know my credit rights and I am versed in credit laws. Attached again for the 4 th time is the data furnisher XXXX that they report to the 3 major credit bureaus, all responses on my credit profile are again being documented and will be researched according to The Fair Credit Reporting act. 
Thank you XXXX XXXX XXXX Correspondence Mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX XXXX, Az XXXX