davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

I am being sued by a rental property. They hired a collection company to collect a debt that is more than a year old. I never received any notification about the debt until the collection company called me. They harassed me by phone on XXXX/XXXX/16 requesting a payment in two hours ( half of the original amount ). I contacted the rental property and the Assistant manager, gave me two completely different versions of my situation and at the end told me that she did not have my file so she could not provide me with any more information. I also sent XXXX emails to the company 's receivables department and I was redirected to the collection company. I also sent a certified dispute letter to the collection company a few days later. No one ever answered it or contacted me, but they reported the debt to the credit bureau. Now, my credit is affected by invalidated information.
Consumer complaint received 2024-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2016-11-10
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (SD)

My lease was up on my Honda Accord. I took the car back to the dealership where I was told that I had thirty days to get an inspection and return it. On the tenth day I received a bill for a payment, lease extension and late fees, Called number on the bill and they said know the dealership has to take the car, XXXX, whom I spoke with said she would call the dealership so they would take it and take final bill to them. Now I keep getting bills and no one seems to know anything. Bill just keeps coming. Tried to file complaints at dealership and they said they do n't do that.
Consumer complaint received 2016-11-10
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (MA)

I am disputing the results of the Wells Fargo internal investigation pertaining to my claims of Mortgage Fraud and several other illegal tactics used by XXXX XXXX. It is yet another example of following the same pattern of fraud and deceptive lending practices in which Wells Fargo has claimed no longer exist.
Consumer complaint received 2016-11-09
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My identity has been compromised XXXX times this year, leaving my in a state of panic and causing me a tremendous amount of stress. I have XXXX credit card that were ran up and payments that were applied causing overdraft in my checking account because the money was n't in their. I am trying to resolve this issue with credit card companies. Company XXXX Capital One, phone number XXXX XXXX XXXX. This has also caused my credit rating to deplete more than XXXX points. I would like new accounts/credit cards and my credit back in good standings.
Consumer complaint received 2016-11-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland funding llc is continuing to report a debt from XXXX XXXX that was fraudulent and they are also reporting false information to the credit bureaus by showing a XX/XX/2014 collection date, which is not the original date the card went into default from the fraudulent activity.By doing this they are in violation of the FCRA and FDCA and other numerous state and federal laws that prohibit these collection tactics by re aging a date or showing the wrong dates to make it look for negative and impactful toward a consumers credit score.This has caused numerous issues with me getting turned down and higher interest rates from other creditors, I have had numerous lawyers attempt for to act against debt collecting company as this one for these violations of the FCRA XXXX FDCA and TPA as well that I had a problem in the begining, I had decided not to do so hoping the company would comply, since I able to sue for damages per violations and monetary damages as well, Which is not what I want.
Consumer complaint received 2016-11-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There has been a collection added to my report on all XXXX bureaus, that does not belong to me for {$890.00}. The collection company is XXXX XXXX collecting for XXXX XXXX XXXX. I have been doing searches on the company name, XXXX XXXX XXXX, and I keep seeing SCAM, FRAUD - lawsuits by states - cease and desist orders from states. I have filed disputes with XXXX of the bureaus and I will call the XXXX. I have worked so hard on my credit and I 'm just sick that I have to spend all of this time chasing down a fraudulent report. I 'm reporting this in hopes of clearing it up and to provide information, as I suspect I 'm not the only one this has happened to. Please Help.
Consumer complaint received 2016-11-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BONDED ADJUSTMENT COMPANY (WA)

I fulfilled our XXXX contract with storage company and we gave him his 30 day notice per contract. The owner harassed us our entire contract because I stored a atv along side my boat and he wanted extra money for same space. A storage unit is just that?
Consumer complaint received 2024-10-08
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. (PA)

Account : XXXX XXXX XXXX Account # : XXXX I am in receipt of your letter claiming that I owe your company for a debt. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act,15 USC 1692g stating your claim is disputed and validation is requested.

I have to date received no proof that I owe your company any debt and I am requesting that you forward to me full and proper documentation ( original alleged contract bearing my signature ) as evidence of this alleged debt. If you are unable to provide me with the proper proof then you must stop attempting to collect this alleged debt and remove it immediately from my consumer report.

If you continue to claim I owe a alleged debt that you can not confirm with proof ( original alleged contract bearing my signature ) then you will be in direct Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

You have committed the following FDCPA Violations : 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts You have thirty ( 30 ) days from receipt of this notice to respond, during which time all collection activity must cease and desist. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my consumer report ( s ) in error and that this matter is permanently closed. Provide the proof, or remove this alleged debt from all sources to which you have reported it. 
Please forward your documentation to me upon receipt of this certified letter. Please note that proper documentation is NOT a print out or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). 

Lastly, please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 

If I don't get proper documentation I will be filing my complaint at : XXXX and XXXX And https : XXXX Also this letter shall be used as evidence in pending litigation provided you fail to comply under the FCRA. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-04-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MD)

Hello, I was wondering if someone could contact me in order to offer me some advice or direction in my current situation. I am XXXX and live in XXXX County, Maryland and attended XXXX schools. 

I grew up with a single father with mental illness after my mother passed away when I was XXXX. Our family could not afford health insurance so my mother could not go to the hospital when she had a ruptured appendeix. Because of my father 's XXXX XXXX, he could not provide any support or advice in my life decisions. 

The reason I am sharing these personal details of my life is to paint a picture of what barriers I was facing at XXXX when I wanted to attend college. 

Coming from an affluent area in XXXX County, I knew what career success looked like. My parents never achieved this type of success so this naturally motivated me more to work hard to have a successful future. I learned at a early age that intelligent individuals are evenly dispersed among any population but unfortunately wealth is not. I was one of unlucky, XXXX children that was aware of this discrepancy ; possibly the worst of all scenerios. 

Because my dads lack of experience in this area, and his XXXX struggles, I was on my own in figuring out how to apply to, and finance college. Like any teenager with a question, I went online and typed in, " How do I pay for college. '' I clicked on the first advertisement I saw, and ended up taking out XXXX private loans from XXXX XXXX to finance my college at the University XXXX over XXXX years. I had never heard of FAFSA, I was not aware federal loans and their forgiveness programs, I did n't know what a grant was or how to find scholarship opportunities. 

You might question, " Why did n't you get this information from a high school counselor? '' The answer is simply, " I do n't know. '' I assume possibly fell through the cracks because I was a XXXX, XXXX student that looked like my affluent, well supported peers. My struggle of lack of educational support motivated me to dedicate my life to support student. I am now a XXXX myself. I feel no student should feel alone in their educational journey. 

I am now XXXX, and because of the high interest rates of XXXX XXXX loans, I am {$110000.00} in debt. Some of my loans have doubled in their initial amount due to interest since I have XXXX. I ca n't pay the monthly fees now, and I do n't know how I will ever pay this loan off without significant financial struggle in my life. 

I am asking for advice, assistance, references to help me in any way. Thank you for your time, listening to my story and I look forward to hearing back from someone soon.
Consumer complaint received 2024-10-28
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)

Urgent Request for Immediate Correction of Inaccurate Reporting : Upon reviewing my consumer reports, I was deeply disturbed to discover significant inaccuracies regarding alleged late payments on multiple accounts where I have consistently made on-time payments. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required by law to ensure the highest level of accuracy in reporting consumer information. I have never missed payments on the following accounts : Accounts : 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 XXXX XXXXXXXX ) I am demanding an immediate and thorough investigation into these discrepancies, to be completed within four days, as stipulated by the FCRA. You are required to provide definitive evidence, such as detailed account statements, that support the claim of late payments. Failure to provide such proof within the specified timeframe will result in my demand for immediate correction, ensuring the payments are accurately reflected as on-time, in strict compliance with FCRA Section 611, which mandates both accuracy and completeness in consumer reports. 

I have consistently honored my payment obligations on time and will not accept this error. Please rectify this issue immediately.
Consumer complaint received 2024-10-08
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. (MN)

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I looked at my credit report on XXXX XXXX, XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

AND according to 15 USC 1681s-2 they are suppose to 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 2024-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2016-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (TX)

I am a home owner who has fell on hard times and unable to make my payments on my home mortgage. I am trying to do the right thing and apply for a Short Sale. I have provided all requirements for the short sale including a qualified buyer. My home is in need of many repairs and located in an area that is predominately lower class rental properties. We have a buyer for my home and submitted to my lender for approval, but my lender will not negotiate. They have advised, " This particular investor has a strategy that is not value based. Caliber is the servicer of this asset. The owner of this asset determines the amount of loss they are willing to take and when they are willing to take that loss ''. My Realtor has showed me that my home is only worth around {$70000.00} and the investor behind my loan will only accept {$100000.00}. My Realtor has explained that due to the repairs, location and sold comparables, there is no way I can sell my home for {$100000.00}. I am at a loss of what to do and it does n't seem like the investor behind the loan is willing to give me a fair chance at selling my home for what it is truly worth. I have requested a copy of an appraisal and they again advised that the counter offer is not based off any particular value and just what the investor is willing to take. There has to be another option or some way to be able to sell my home for what the home is actually worth.
Consumer complaint received 2016-11-10
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I had a credit card with XXXX. The credit limit was {$400.00} ; XXXX would not allow credit beyond {$400.00}. I honestly doubt that I had reached the credit limit when the account was closed. Never the less, Portfolio Recovery Associates is reporting that I owed a balance of {$690.00} on the account. They have failed to provide proof as to how my balance became {$300.00}. over the credit limit. Another issue I have with this company is that they are reporting this as an open account from XXXX ; when the truth is that this account was charged off in XXXX. 

I 've disputed this info with all three credit bureaus to no avail. XXXX, XXXX and XXXX is allowing Portfolio Recovery Associates to omit payment history and other pertinent info from the XXXX account which would clearly show that this debt arose in XXXX, not XXXX and the true balance. Because the agencies refuse to do a real investigation and require full/ accurate reporting, I decided to try to resolve my business with Portfolio Recovery Associates by making a settlement. 

Portfolio Recovery Associates and I agreed to settle the debt ; at which time, I paid {$380.00}, in XXXX XXXX. It was agreed that the {$380.00} dollars was the full and final payment of the debt. Notwithstanding our agreement, Portfolio Recovery Associates is still reporting the debt as an open account with a balance. XXXX credit bureau is still reporting a Balance of {$690.00} ; others are reporting a balance of {$310.00}. To add insult to injury, Portfolio Recovery Associate is reporting that balance as a " late/ missed payment. " I would like to know if it is legal to continue reporting that an account has late or missed payments when it has been charged off and settled for a lesser amount. 

I feel like this company has broken the law and the three credit bureaus have violated my rights under the fair reporting act. I can not let Portfolio Recovery Associates keep misrepresenting the nature, balance and time frame in which this debt occurred. Is there any way that you can send me a copy of the fair credit reporting act in its entirety? If I ca n't get any resolution here, I 'm going to have to take these people to court. They are purposely trying to destroy my credit with lies and no one is doing anything about it.
Consumer complaint received 2016-11-10
Product: Prepaid card — Mobile wallet
Issue: Unauthorized transactions/trans. issues — 
Company: Blackhawk Network Holdings Inc. (CO)

I was directed by the company that confirming funds with a 3rd party via their phone system would be safe and secure, as long as the card number was only keyed in and not spoken. As this seemed odd, I called back and another, different employee also assured me that it was safe and secure to key in the number. I followed the company 's official 's directions and keyed in the number as directed. As a result, the other party somehow obtained the number and withdrew {$500.00}, stealing the balance on the card. 

I record all such calls and have both agents as well as a supervisor assuring me that keying in the card number is safe. I have explained what happened and have attempted to get a refund, but the only response I get is that no one is authorized to do so. The company, owned by Blackhawk Networks, is having it 's employees give incorrect, dangerous, and harmful instructions on how to use their product, ReLoadIt. Myself and other have experienced financial loss and damages while using their products as directed by their personnel.
Consumer complaint received 2016-11-10
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: KEYCORP (IL)

KEY BANK REFUSES TO SEND MY A MONTHLY STATEMENT TO PAY THE LOAN ON TIME. I SET UP AUTO PAY WITH THEM THEY TRANSPOSED MY BANK ROUTING NUMBER AND NEVER CONTACTED ME TO PAY THE BILL. KEY BANK THEN PUT THE LOAN INTO A REPO STATUS. WHEN I CONTACTED THEM THEY REFUSED TO TAKE AN " ACH '' PAYMENT OVER THE PHONE. THEY TOLD ME THAT I HAD TO GO TO A KEY BANK BRANCH WITH CASH OR WIRE IT TO KEY BANK USING A XXXX XXXX WIRE. 

IT TOOK THEM OVER 20 DAYS TO PROCESS THE CASH WIRE HOLDING UP MY SONS COLLEGE LOAN UNTIL I COULD GET CONFERMATION THAT THE LOAN WAS UP TO DATE. I HAVE HAD THE LOAN FOR OVER TEN YEARS. 

ALSO THERE ARE NO LONGER ANY KEY BANK LOCATION IN THE ENTIRE STATE OF XXXX. 

EVERY MONTH I HAVE TO CALL A KEY BANK BRANCH MANAGER IN XXXX AND HAVE HIM LOOK UP MY ACCOUNT AND EMAIL ME A STATEMENT BECAUSE KEY BANK STILL REFUSES TO SEND ME A MONTHLY STATEMENT. I BELIEVE THAT THIS IS DONE ON PURPOSE TO INCREASE LATE FEES FOR THE BANKS. I BELIEVE THAT THIS IS PREDITORY LENDING AND SHOULD BE INVESTIGATED.
Consumer complaint received 2016-11-10
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland credit management, inc contacted me to collect a debt. I am in the process of paying off my debt and i had believed i was finished. 
The debt did not show up on my credit report so i requested more information from the individual at midland. He refused to supply anymore information or debt verification. I gave up and stated that i would pay in full as long as they could provide me what we had discussed in writing as i had with all the other company 's. Midland refused to provide this as well so i hung up. 

They keep sending mail, they call my cell phone at all hours of the day, they contact my work looking for me, and have even called relatives and friends of mine.